MEMO FINANS ApS

APSActive

CVR 21725889Taarbæk Strandvej 91B, 2930 KlampenborgOther financial service activities, except insurance and pension funding n.e.c.· NACE 6499Est. 1999 · 27 years old— employees

Overview

MEMO FINANS ApS is a Danish APS based in Klampenborg, operating in the Other financial service activities, except insurance and pension funding n.e.c. sector. Incorporated in 1999, the company reported a gross profit of -DKK 38.8k in its latest annual filing.

Gross profit 2026

-0M DKK

−5% vs 2025

EBITDA margin (of gross profit)

100.0 %

+5% vs 2025

Net profit 2026

0.1M DKK

+715% vs 2025

Key ratios

See full ratios →

98.8 %

Strong

Among the 30% highest rated companies in the industry

20222026

84.0×

Very strong

Among the 20% highest rated companies in the industry

20222026

6.3 %

Strong

Among the 40% highest rated companies in the industry

20222026

EBITDA — year on year

DKK thousands

Key figures

Annual report 2026

Gross profit	-0M DKK	-5%
EBITDA	-0M DKK	+5%
Net profit	0.1M DKK	+715%
Total assets	1.8M DKK	+2%
Equity	1.8M DKK	+3%
Employees	—	—

Financial development

In its most recent annual report (2026), MEMO FINANS ApS reported a gross profit of -DKK 38.8k. The figures on this page draw on 5 annual filings covering 2022 to 2026. The bottom line showed a net profit of DKK 113.2k.

At the end of 2026, equity financed 98.8% of the balance sheet, and current assets covered short-term debt 84 times.

Financials

Gross profit

DKK thousands

EBITDA

DKK thousands

Income statement

DKK thousands

Item	2026	2025	2024	2023	2022
Gross profit	-39	-41	-29	-53	-43
Staff expenses	-0	-0	-0	-0	-0
EBITDA	-39	-41	-29	-53	-43
Depreciation & amort.	-0	-0	-0	-0	-0
EBIT	-39	-41	-29	-53	-43
Net financials	152	33	107	-114	-37
Profit before tax	113	-8	78	-168	-79
Tax	0	10	-0	-0	-0
Net profit	113	-18	78	-168	-79

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Balance sheet

DKK thousands

Item	2026	2025	2024	2023	2022
Total assets	1,797	1,760	1,830	1,861	2,048
Equity	1,775	1,730	1,809	1,790	2,015
Long-term debt	0	0	0	0	0
Short-term debt	21	31	21	72	33
Total debt	21	31	21	72	33

Financial ratios

5-year trend

EBITDA margin (of gross profit)

<−999 %

20222026

Equity ratio

98.8 %

Strong

Among the 30% highest rated companies in the industry

20222026

Return on equity

6.4 %

Strong

Among the 40% highest rated companies in the industry

20222026

Net profit margin (of gross profit)

>999 %

20222026

Asset turnover (of gross profit)

-0.02×

20222026

Debt / equity

0.01×

Strong

Among the 40% highest rated companies in the industry

20222026

Sector performance

22 of 28 ratios graded

28 financial ratios from the latest filing, each graded against companies in the same industry.

Profitability

Return on equity (ROE)Strong

Among the 40% highest rated companies in the industry

Net profit as a percentage of equity — the return the owners earned on their invested capital this year.

Return on assets (ROA)Strong

Among the 40% highest rated companies in the industry

Net profit as a percentage of total assets — the return generated on the capital employed.

Return on net assets (RONA)Strong

Among the 40% highest rated companies in the industry

Profit relative to net assets (total assets minus total debt) — the ability to generate earnings from the net asset base alone.

Basic earning power (BEP)Weak

Among the 30% lowest rated companies in the industry

EBIT relative to total assets — the company's earning power before the effects of tax and financial leverage.

Gross marginNot rated

Cannot be graded — the figures this ratio builds on are not available in the latest filing.

The gross result as a share of revenue — how much of the revenue is left after variable costs to cover the company's fixed costs.

Operating marginNot rated

Cannot be graded — the figures this ratio builds on are not available in the latest filing.

EBIT as a share of revenue — the share of revenue remaining as earnings once all operating costs are covered. A key measure of earning power.

Net profit marginNot rated

Cannot be graded — the figures this ratio builds on are not available in the latest filing.

The profit for the year as a share of revenue — the company's ability to turn revenue into profit.

Capacity ratioNot rated

Cannot be graded — the figures this ratio builds on are not available in the latest filing.

Shows how strongly fixed costs weigh on the gross result — a high ratio means fixed costs take only a small bite out of the earnings from basic operations.

Liquidity

Current ratioVery strong

Among the 20% highest rated companies in the industry

Current assets relative to short-term debt — the ability to settle short-term obligations with current assets alone. Around 150% is considered satisfactory from a credit perspective.

Quick ratioVery strong

Among the 20% highest rated companies in the industry

Current assets excluding inventory relative to short-term debt — whether the most liquid assets alone can cover the short-term obligations. A value of 1 or above signals a healthy liquidity position.

Cash ratioAverage

Around the average of companies in the same industry

Cash relative to short-term debt — the ability to repay short-term obligations with cash alone.

Current assets to equityWeak

Among the 30% lowest rated companies in the industry

Current assets relative to equity — an indicator of the balance-sheet structure and of the company's short- and long-term financing. The healthy level is highly industry-dependent.

Fixed assets to long-term capitalVery strong

Among the 10% highest rated companies in the industry

Fixed assets relative to long-term capital (equity plus long-term liabilities). Below 100% means the long-term capital finances more than just the fixed assets — a healthier liquidity position.

Cash conversion ratioVery weak

Among the 20% lowest rated companies in the industry

Cash flow relative to profit — the ability to convert reported profits into accessible cash.

Debt & solvency

Solidity ratioStrong

Among the 30% highest rated companies in the industry

Equity as a share of total assets — the ability to absorb losses. Around 40% is considered satisfactory from a credit perspective.

Debt ratioStrong

Among the 30% highest rated companies in the industry

Total debt relative to the balance-sheet total — the share of the assets financed by debt rather than equity.

Debt to equityStrong

Among the 40% highest rated companies in the industry

Debt relative to equity — the company's leverage. A higher value means heavier reliance on debt financing.

Liabilities to equityStrong

Among the 40% highest rated companies in the industry

Total liabilities relative to equity — whether the company operates primarily on borrowed capital or on its own.

Income to debtVery strong

Among the 20% highest rated companies in the industry

Profit relative to debt — the ability to create earnings while operating with debt.

EBITDA to debtVery weak

Among the 20% lowest rated companies in the industry

EBITDA relative to debt — how much operating earnings are available to service the debt.

Interest coverageWeak

Among the 30% lowest rated companies in the industry

The ability to pay the interest on the company's debt out of its earnings.

Interest rate on debtVery weak

Among the 20% lowest rated companies in the industry

Financial expenses relative to total liabilities — the effective interest rate the company pays on its debt.

Interest marginAverage

Around the average of companies in the same industry

The return on assets minus the interest rate on debt. Positive means the company benefits from operating with debt; negative means the debt makes it worse off.

Efficiency & development

Equity to contributed capitalAverage

Around the average of companies in the same industry

Total equity relative to the capital the owners contributed — how the equity has developed from its starting point.

One-year change in equityAverage

Around the average of companies in the same industry

The size of this year's increase or decrease in the company's equity.

One-year change in debtStrong

Among the 30% highest rated companies in the industry

The size of this year's increase or decrease in the company's debt.

Asset turnoverNot rated

Cannot be graded — the figures this ratio builds on are not available in the latest filing.

Revenue relative to total assets — the ability to generate revenue from the asset base.

Inventory turnoverNot rated

Cannot be graded — the figures this ratio builds on are not available in the latest filing.

Revenue relative to inventory — how many times a year the inventory is sold and replaced. A low value can indicate weak sales or excess inventory.

Annual reports & filings

Annual report 2026
Filed via CVR / Virk · Period 2025-05-01 – 2026-04-30
View PDF
Annual report 2025
Filed via CVR / Virk · Period 2024-05-01 – 2025-04-30
View PDF
Annual report 2024
Filed via CVR / Virk · Period 2023-05-01 – 2024-04-30
View PDF
Annual report 2023
Filed via CVR / Virk · Period 2022-05-01 – 2023-04-30
View PDF
Annual report 2022
Filed via CVR / Virk · Period 2021-05-01 – 2022-04-30
View PDF

People & ownership

Management

Actively employed in the business

Name	Role	Member since
Current (1)
MI Mads Illum Management	Management	1999

Former (1)


PA Peter Andreas Stakemann Management	Management	1999 – 1999

Board of directors

Non-executive oversight

No data on file.

Shareholders

Active legal owners

Shareholder	Type	Ownership	Votes	Registered
Mads Illum	Individual	100%	100%	1999

Beneficial ownership (UBO) data access is restricted in Denmark as of September 2025 per the EU 6th AML Directive. Learn more.

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Related companies

Company hierarchy

No registered parent or subsidiaries

Board network connections

Board members of MEMO FINANS ApS also hold positions in 9 other companies.

Person	Role here	Other companies
Peter Andreas Stakemann	Management	9 companiesMany roles

Frequently asked questions

What is the CVR number of MEMO FINANS ApS?

MEMO FINANS ApS is registered with CVR / Virk under CVR 21725889.

What is the gross profit of MEMO FINANS ApS?

MEMO FINANS ApS reported a gross profit of -DKK 38.8k in 2026.

Where is MEMO FINANS ApS headquartered?

MEMO FINANS ApS's registered address is Taarbæk Strandvej 91B, 2. th.