Howden Pensionsagentur A/S
A/SActiveCVR 31633869Vandmanden 10A, 9200 Aalborg SVActivities of insurance agents and brokers· NACE 6622Est. 2008 · 18 years old28 employees
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Overview
Howden Pensionsagentur A/S is a Danish A/S based in Aalborg SV, operating in the Activities of insurance agents and brokers sector. Incorporated in 2008, the company has 28 employees and reported a gross profit of DKK 10.2m in its latest annual filing.
Gross profit 2025
10.2M DKK
−65% vs 2025
EBITDA margin (of gross profit)
29.6 %
−32% vs 2025
Net profit 2025
2.2M DKK
-45% vs 2025
Key ratios
See full ratios →Solidity ratioEquity ÷ Total assets × 100
42.4 %
WeakAmong the 30% lowest rated companies in the industry
20222025
Liquidity ratioCurrent assets ÷ Short-term debt
1.4×
WeakAmong the 40% lowest rated companies in the industry
20222025
Return on assets (ROA)Net profit ÷ Total assets × 100
5.9 %
StrongAmong the 40% highest rated companies in the industry
20222025
EBITDA — year on year
DKK millionsKey figures
Annual report 2025| Gross profit | 10.2M DKK | -65% |
| EBITDA | 3M DKK | -32% |
| Net profit | 2.2M DKK | -45% |
| Total assets | 37.7M DKK | +12% |
| Equity | 16M DKK | +16% |
| Employees | 28 | — |
Company information
Legal name
Howden Pensionsagentur A/S
CVR number
31633869
Legal form
Aktieselskab
NACE code
Founded
25 August 2008 · 18 years
Share capital
DKK 500,000
Employees
28 (FTE)
VAT registered
Yes
Audit selected
Yes
Last report
2025-12-31
Financial year
January – December
Signatory rights
Selskabet tegnes af bestyrelsens formand i forening med et bestyrelsesmedlem eller en direktør, eller af den samlede bestyrelse.
Company purpose
Selskabets formål er rådgivning og salg af pension / sundhedsordninger og forsikringer til virksomheder
(no translation available)
Contact
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Financial development
In its most recent annual report (2025), Howden Pensionsagentur A/S reported a gross profit of DKK 10.2m, a decrease of 65% on the year before. The figures on this page draw on 5 annual filings covering 2022 to 2025. The bottom line showed a net profit of DKK 2.2m, and the EBITDA margin stood at 29.6%.
At the end of 2025, equity financed 42.4% of the balance sheet, and current assets covered short-term debt 1.4 times.
Financials
Gross profit
DKK millionsEBITDA
DKK millionsIncome statement
DKK thousands| Item | 2025 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Gross profit | 10,153 | 29,283 | 11,814 | 36,574 | 29,837 |
| Staff expenses | -7,146 | -24,893 | -13,507 | -14,559 | -10,125 |
| EBITDA | 3,007 | 4,390 | -1,693 | 22,015 | 19,712 |
| Depreciation & amort. | -467 | -1,875 | -1,310 | -783 | -389 |
| EBIT | 2,540 | 2,515 | -3,003 | 21,232 | 19,323 |
| Net financials | 402 | 3,054 | 2,925 | 1,299 | 310 |
| Profit before tax | 2,942 | 5,569 | -78 | 22,531 | 19,633 |
| Tax | 728 | 1,558 | 73 | 5,075 | 4,275 |
| Net profit | 2,214 | 4,011 | -151 | 17,456 | 15,358 |
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Balance sheet
DKK thousands| Item | 2025 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Total assets | 37,667 | 33,758 | 77,684 | 79,663 | 50,805 |
| Equity | 15,978 | 13,764 | 59,753 | 71,604 | 44,257 |
| Long-term debt | 0 | 1,044 | 2,200 | 0 | 0 |
| Short-term debt | 21,206 | 18,422 | 15,121 | 4,842 | 5,850 |
| Total debt | 21,206 | 19,466 | 17,321 | 4,842 | 5,850 |
Financial ratios
5-year trendEBITDA margin (of gross profit)
29.6 %
20222025
Equity ratio
42.4 %
WeakAmong the 30% lowest rated companies in the industry
20222025
Return on equity
13.9 %
StrongAmong the 30% highest rated companies in the industry
20222025
Net profit margin (of gross profit)
21.8 %
20222025
Asset turnover (of gross profit)
0.27×
20222025
Debt / equity
1.36×
Very weakAmong the 20% lowest rated companies in the industry
20222025
Sector performance
23 of 28 ratios graded28 financial ratios from the latest filing, each graded against companies in the same industry.
Profitability
Return on equity (ROE)Strong
Among the 30% 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 30% 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)Very strong
Among the 10% highest rated companies in the industry
EBIT relative to total assets — the company's earning power before the effects of tax and financial leverage.
Capacity ratioStrong
Among the 30% highest rated companies in the industry
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.
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.
Liquidity
Current ratioWeak
Among the 40% lowest 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 ratioWeak
Among the 40% lowest 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 ratioWeak
Among the 40% lowest rated companies in the industry
Cash relative to short-term debt — the ability to repay short-term obligations with cash alone.
Current assets to equityVery weak
Among the 10% 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 capitalAverage
Around the average of companies in the same 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 strong
Among the 10% highest rated companies in the industry
Cash flow relative to profit — the ability to convert reported profits into accessible cash.
Debt & solvency
Solidity ratioWeak
Among the 30% lowest 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 ratioWeak
Among the 30% lowest 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 equityVery weak
Among the 20% lowest rated companies in the industry
Debt relative to equity — the company's leverage. A higher value means heavier reliance on debt financing.
Liabilities to equityVery weak
Among the 20% lowest rated companies in the industry
Total liabilities relative to equity — whether the company operates primarily on borrowed capital or on its own.
Income to debtAverage
Around the average of companies in the same industry
Profit relative to debt — the ability to create earnings while operating with debt.
EBITDA to debtVery strong
Among the 20% highest rated companies in the industry
EBITDA relative to debt — how much operating earnings are available to service the debt.
Interest coverageVery strong
Among the 10% highest rated companies in the industry
The ability to pay the interest on the company's debt out of its earnings.
Interest rate on debtStrong
Among the 30% highest rated companies in the industry
Financial expenses relative to total liabilities — the effective interest rate the company pays on its debt.
Interest marginStrong
Among the 30% highest rated companies in the 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 capitalStrong
Among the 40% highest rated companies in the industry
Total equity relative to the capital the owners contributed — how the equity has developed from its starting point.
One-year change in equityVery strong
Among the 20% highest rated companies in the industry
The size of this year's increase or decrease in the company's equity.
One-year change in debtWeak
Among the 40% lowest 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 2025Filed via CVR / Virk · Period 2025-10-01 – 2025-12-31
- Annual report 2025Filed via CVR / Virk · Period 2024-10-01 – 2025-09-30
- Annual report 2024Filed via CVR / Virk · Period 2024-01-01 – 2024-09-30
- Annual report 2023Filed via CVR / Virk · Period 2023-01-01 – 2023-12-31
- Annual report 2022Filed via CVR / Virk · Period 2022-01-01 – 2022-12-31
People & ownership
Management
Actively employed in the business| Name | Role | Member since |
|---|---|---|
| Current (1) | ||
LB Management | Management | 2008 |
Former (1)
BB Management | Management | 2008 – 2021 |
Board of directors
Non-executive oversight| Name | Role | Member since |
|---|---|---|
| Current (3) | ||
LR Chairman | Chairman | 2021 |
JK Board of Directors | Board of Directors | 2022 |
CA Board of Directors | Board of Directors | 2023 |
Former (6)
MS Board of Directors | Board of Directors | 2010 – 2021 |
LB Board of Directors | Board of Directors | 2010 – 2023 |
OS Board of Directors | Board of Directors | 2010 – 2021 |
LB Chairman | Chairman | 2010 – 2021 |
BB Board of Directors | Board of Directors | 2010 – 2021 |
TK Board of Directors | Board of Directors | 2021 – 2022 |
Shareholders
Active legal owners| Shareholder | Type | Ownership | Votes | Registered |
|---|---|---|---|---|
| Company | 100% | 100% | 2021 | |
| Company | 25–33.32% | 25–33.32% | 2010 | |
| Company | 10–14.99% | 10–14.99% | 2020 | |
| Company | 25–33.32% | 25–33.32% | 2010 | |
| Company | 10–14.99% | 10–14.99% | 2020 | |
| Company | 10–14.99% | 10–14.99% | 2020 | |
| Company | 10–14.99% | 10–14.99% | 2020 |
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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Company hierarchy
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Howden Pensionsagentur A/S Board network connections
Board members of Howden Pensionsagentur A/S also hold positions in 99 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Lars Rosenkrantz Gundorph | Chairman | 27 companiesMany roles |
| Johnny Krohn Rasmussen | Board of Directors | 14 companiesMany roles |
| Carl Anders Holde-Jensen | Board of Directors | 14 companiesMany roles |
| Lars Bartholomæussen | Management | 12 companiesMany roles |
| Ole Schou | Board of Directors | 11 companiesMany roles |
| Thomas Kaas Selsø | Board of Directors | 6 companiesMany roles |
| Brian Bundgaard Pedersen | Management | 5 companies |
| Morten Søgaard Kristensen | Board of Directors | 5 companies |
| Lars Bo Pedersen | Chairman | 5 companies |
Frequently asked questions
What is the CVR number of Howden Pensionsagentur A/S?
Howden Pensionsagentur A/S is registered with CVR / Virk under CVR 31633869.
What is the gross profit of Howden Pensionsagentur A/S?
Howden Pensionsagentur A/S reported a gross profit of DKK 10.2m in 2025.
How many employees does Howden Pensionsagentur A/S have?
Howden Pensionsagentur A/S employs 28 people as of the latest annual report.
Who is the chairman of Howden Pensionsagentur A/S?
Lars Rosenkrantz Gundorph chairs the board of Howden Pensionsagentur A/S, in role since 2021.
Where is Howden Pensionsagentur A/S headquartered?
Howden Pensionsagentur A/S's registered address is Vandmanden 10A.