Pensionsrådgiverne ApS
APSActiveCVR 42614149Kalkbrænderiløbskaj 4A, 2100 København ØActivities of insurance agents and brokers· NACE 6622Est. 2020 · 5 years old72 employeeshttps://www.pensionsraadgiverne.dk
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Overview
Pensionsrådgiverne ApS is a Danish APS based in København Ø, operating in the Activities of insurance agents and brokers sector. Incorporated in 2020, the company has 72 employees and reported a gross profit of DKK 20.7m in its latest annual filing.
Gross profit 2025
20.7M DKK
+1236% vs 2024
EBITDA margin (of gross profit)
19.5 %
+156% vs 2024
Net profit 2025
0.9M DKK
+115% vs 2024
Key ratios
See full ratios →Solidity ratioEquity ÷ Total assets × 100
-76.2 %
Very weakAmong the 10% lowest rated companies in the industry
20212025
Liquidity ratioCurrent assets ÷ Short-term debt
1.4×
WeakAmong the 40% lowest rated companies in the industry
20212025
Return on assets (ROA)Net profit ÷ Total assets × 100
6.9 %
StrongAmong the 30% highest rated companies in the industry
20212025
EBITDA — year on year
DKK thousandsKey figures
Annual report 2025| Gross profit | 20.7M DKK | +1236% |
| EBITDA | 4M DKK | +156% |
| Net profit | 0.9M DKK | +115% |
| Total assets | 13.4M DKK | +121% |
| Equity | -10.2M DKK | +8% |
| Employees | 72 | — |
Company information
Legal name
Pensionsrådgiverne ApS
CVR number
42614149
Legal form
Anpartsselskab
NACE code
Founded
11 November 2020 · 5 years
Share capital
DKK 40,000
Employees
72 (FTE)
VAT registered
No
Audit selected
Yes
Last report
2025-12-31
Financial year
January – December
Signatory rights
Selskabet tegnes af en direktør.
Company purpose
Selskabets formål er pensionsmægler og dermed beslægtet virksomhed.
(no translation available)
Contact
Address
Kalkbrænderiløbskaj 4A, 2100 København Ø
Phone
+45 7730 7272
Website
https://www.pensionsraadgiverne.dk
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Financial development
In its most recent annual report (2025), Pensionsrådgiverne ApS reported a gross profit of DKK 20.7m, an increase of 1236% on the year before. The figures on this page draw on 5 annual filings covering 2021 to 2025. The bottom line showed a net profit of DKK 930.5k, and the EBITDA margin stood at 19.5%.
At the end of 2025, current assets covered short-term debt 1.4 times.
Financials
Gross profit
DKK millionsEBITDA
DKK thousandsIncome statement
DKK thousands| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Gross profit | 20,709 | 1,550 | 2,050 | -354 | -302 |
| Staff expenses | -16,662 | -8,788 | -4,723 | -2,235 | -534 |
| EBITDA | 4,047 | -7,239 | -2,672 | -2,589 | -836 |
| Depreciation & amort. | -0 | -0 | -0 | -0 | -0 |
| EBIT | 4,047 | -7,239 | -2,672 | -2,589 | -836 |
| Net financials | -2,199 | -833 | -101 | -21 | -11 |
| Profit before tax | 1,848 | -8,071 | -2,773 | -2,610 | -846 |
| Tax | 918 | -1,772 | -568 | -570 | -186 |
| Net profit | 931 | -6,299 | -2,205 | -2,040 | -660 |
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Balance sheet
DKK thousands| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total assets | 13,431 | 6,090 | 3,498 | 1,000 | 305 |
| Equity | -10,234 | -11,164 | -4,951 | -2,660 | -620 |
| Long-term debt | 14,424 | 14,424 | 6,424 | 0 | 306 |
| Short-term debt | 9,241 | 2,831 | 2,025 | 3,659 | 619 |
| Total debt | 23,665 | 17,255 | 8,449 | 3,659 | 925 |
Financial ratios
5-year trendEBITDA margin (of gross profit)
19.5 %
20212025
Equity ratio
-76.2 %
Very weakAmong the 10% lowest rated companies in the industry
20212025
Return on equity
—
20212025
Net profit margin (of gross profit)
4.5 %
20212025
Asset turnover (of gross profit)
1.54×
20212025
Debt / equity
—
20212025
Sector performance
17 of 28 ratios graded28 financial ratios from the latest filing, each graded against companies in the same industry.
Profitability
Return on assets (ROA)Strong
Among the 30% highest rated companies in the industry
Net profit as a percentage of total assets — the return generated on the capital employed.
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.
Return on equity (ROE)Not rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
Net profit as a percentage of equity — the return the owners earned on their invested capital this year.
Return on net assets (RONA)Not rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
Profit relative to net assets (total assets minus total debt) — the ability to generate earnings from the net asset base alone.
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 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.
Fixed assets to long-term capitalStrong
Among the 40% 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 strong
Among the 10% highest rated companies in the industry
Cash flow relative to profit — the ability to convert reported profits into accessible cash.
Current assets to equityNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
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.
Debt & solvency
Solidity ratioVery weak
Among the 10% 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 ratioVery weak
Among the 10% 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.
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 20% highest rated companies in the industry
The ability to pay the interest on the company's debt out of its earnings.
Interest rate on debtWeak
Among the 30% lowest 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.
Debt to equityNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
Debt relative to equity — the company's leverage. A higher value means heavier reliance on debt financing.
Liabilities to equityNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
Total liabilities relative to equity — whether the company operates primarily on borrowed capital or on its own.
Efficiency & development
Equity to contributed capitalVery weak
Among the 10% lowest 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 debtWeak
Among the 30% 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.
One-year change in equityNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
The size of this year's increase or decrease in the company's equity.
Annual reports & filings
- Annual report 2025Filed via CVR / Virk · Period 2025-01-01 – 2025-12-31
- Annual report 2024Filed via CVR / Virk · Period 2024-01-01 – 2024-12-31
- 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
- Annual report 2021Filed via CVR / Virk · Period 2020-11-11 – 2021-12-31
People & ownership
Management
Actively employed in the business| Name | Role | Member since |
|---|---|---|
| Current (1) | ||
KH Chief Executive Officer | Chief Executive Officer | 2024 |
Former (3)
JL Chief Executive Officer | Chief Executive Officer | 2024 – 2024 |
SK Management | Management | 2020 – 2023 |
JL Chief Executive Officer | Chief Executive Officer | 2023 – 2024 |
Board of directors
Non-executive oversight| Name | Role | Member since |
|---|
Former (1)
KH Chairman | Chairman | 2023 – 2024 |
Shareholders
Active legal owners| Shareholder | Type | Ownership | Votes | Registered |
|---|---|---|---|---|
| Company | 100% | 100% | 2023 | |
| Company | 100% | 100% | 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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Related companies
Company hierarchy
DPFA ApS
Pensionsrådgiverne ApS Board network connections
Board members of Pensionsrådgiverne ApS also hold positions in 6 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Kim Holten | Chief Executive Officer | 3 companies |
| Stefan Kercza | Management | 2 companies |
| Jarl Lundgaard Marcher | Chief Executive Officer | 1 company |
Frequently asked questions
What is the CVR number of Pensionsrådgiverne ApS?
Pensionsrådgiverne ApS is registered with CVR / Virk under CVR 42614149.
What is the gross profit of Pensionsrådgiverne ApS?
Pensionsrådgiverne ApS reported a gross profit of DKK 20.7m in 2025.
How many employees does Pensionsrådgiverne ApS have?
Pensionsrådgiverne ApS employs 72 people as of the latest annual report.
Who is the CEO of Pensionsrådgiverne ApS?
Kim Holten is the CEO of Pensionsrådgiverne ApS, in role since 2024.
Where is Pensionsrådgiverne ApS headquartered?
Pensionsrådgiverne ApS's registered address is Kalkbrænderiløbskaj 4A.