Operating Loans and Customer Credit Risk
First written in FY2022. 10 of 14 entries say "Worsened", first in FY2023-Q1. Latest entry: 2026-08-12.
Zuu moved to the "Worse" side of this theme in 2022, the same year as the typical company in this theme.
The whole theme swung hardest in 2022: 6 of 17 companies on the "Worse" side.
5 other companies' latest entry also says "Mitigated".
- 2026-08-12MitigatedEarnings
「This was due to decreases of ¥750,000 thousand in operating loans and ¥15,614 thousand in deposits.」
Operating loans declined from ¥3,830,000 thousand at the previous fiscal year-end to ¥3,080,000 thousand, reducing the balance exposed to customer credit risk. - FY2026WorsenedAnnual report
「This was due to a ¥1,676.720 million increase in operating loans.」
Operating loans increased from ¥2,153.280 million at the end of the previous fiscal year to ¥3,830 million, increasing exposure to customer credit risk. - 2026-05-15WorsenedRevision of earnings forecasts
「This was due to an increase of ¥1,676,720 thousand in operating loans and ¥156,924 thousand in deposits.」
Operating loans increased from ¥2,153,280 thousand at the previous fiscal year-end to ¥3,830,000 thousand, expanding the balance exposed to customer credit risk. - FY2026-H1MitigatedAnnual report
「This was mainly due to increases of ¥684.665 million in cash and deposits and ¥516.889 million in deposits held, partly offset by a ¥393.990 million decrease in operating loans.」
Operating loans decreased from ¥2,153.280 million at the end of the previous consolidated fiscal year to ¥1,759.290 million, reducing the balance exposed to customer credit risk. - FY2025MitigatedAnnual report
「Operating loans ¥3,204 million ¥2,153.280 million」
Operating loans decreased from ¥3,204 million at the end of the previous consolidated fiscal year to ¥2,153.280 million, reducing the balance exposed to customer credit risk. However, operating loans remain exposed to credit risk. - FY2025-H1WorsenedAnnual report
「This was mainly due to a ¥511 million increase in operating loans and a ¥352.048 million decrease in cash and deposits.」
Operating loans increased by ¥511 million, from ¥3,204 million at the end of the previous consolidated fiscal year to ¥3,715 million, increasing exposure to customer credit risk. - FY2024-Q3WorsenedAnnual report
「This was mainly due to decreases of ¥188.713 million in cash and deposits and ¥178.090 million in accounts receivable, partly offset by a ¥919 million increase in operating loans.」
Operating loans increased by ¥919 million, from ¥750.450 million at the end of the previous consolidated fiscal year to ¥1,669.450 million, increasing exposure to customer credit risk. - FY2024-Q2WorsenedAnnual report
「This was mainly due to a ¥559 million increase in operating loans and a ¥197.720 million decrease in accounts receivable.」
Operating loans increased by ¥559 million, from ¥750.450 million at the end of the previous consolidated fiscal year to ¥1,309.450 million, increasing exposure to customer credit risk. - FY2024-Q1WorsenedAnnual report
「This was mainly attributable to an increase of ¥245,000 thousand in loans receivable and decreases of ¥288,261 thousand in cash and deposits and ¥176,303 thousand in accounts receivable.」
Loans receivable increased by ¥245,000 thousand from ¥750,450 thousand at the end of the previous consolidated fiscal year to ¥995,450 thousand, increasing exposure to customer credit risk. - FY2023WorsenedAnnual report
「This was attributable to an increase of ¥585,450 thousand in loans receivable.」
Loans receivable increased from ¥165,000 thousand at the end of the previous fiscal year to ¥750,450 thousand, increasing exposure to customer credit risk. - FY2023-Q3WorsenedAnnual report
「This was mainly attributable to an increase of ¥251,249 thousand in cash and deposits, a decrease of ¥208,861 thousand in accounts receivable and an increase of ¥375,000 thousand in loans receivable.」
Loans receivable increased by ¥375,000 thousand from ¥165,000 thousand at the end of the previous consolidated fiscal year to ¥540,000 thousand, further increasing exposure to customer credit risk. - FY2023-Q2WorsenedAnnual report
「This was mainly attributable to increases of ¥294,004 thousand in cash and deposits and ¥165,000 thousand in loans receivable, and a decrease of ¥163,774 thousand in accounts receivable.」
Loans receivable increased from ¥165,000 thousand at the end of the previous consolidated fiscal year to ¥330,000 thousand, increasing exposure to customer credit risk. - FY2023-Q1WorsenedAnnual report
「This was mainly attributable to increases of ¥175,851 thousand in cash and deposits and ¥70,000 thousand in loans receivable, and a decrease of ¥148,789 thousand in accounts receivable.」
Loans receivable increased by ¥70,000 thousand from ¥165,000 thousand at the end of the previous consolidated fiscal year to ¥235,000 thousand, increasing exposure to customer credit risk. - FY2022First statedAnnual report
「Trade receivables, consisting of accounts receivable and loans receivable, are exposed to customer credit risk. Loans receivable 165,000」
As the crowdfunding business expanded, loans receivable reached ¥165,000 thousand, and customer credit risk was expressly identified as a financial instrument risk.