PenSam Credit Komplementar ApS
APSActiveCVR 43720708Jørgen Knudsens Vej 2, 3520 FarumActivities of holding companies· NACE 6421Est. 2022 · 3 years old— employees
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Overview
PenSam Credit Komplementar ApS is a Danish APS based in Farum, operating in the Activities of holding companies sector. Incorporated in 2022, the company reported revenue of DKK 81.6k in its latest annual filing.
Revenue 2025
81.6K DKK
+62% vs 2024
EBITDA margin
42.5 %
+892% vs 2024
Net profit 2025
26.6K DKK
+704% vs 2024
Key ratios
See full ratios →Solidity ratioEquity ÷ Total assets × 100
66.8 %
WeakAmong the 40% lowest rated companies in the industry
20232025
Liquidity ratioCurrent assets ÷ Short-term debt
3.0×
AverageAround the average of companies in the same industry
20232025
Return on assets (ROA)Net profit ÷ Total assets × 100
39.2 %
Very strongAmong the 10% highest rated companies in the industry
20232025
EBITDA — year on year
DKK thousandsKey figures
Annual report 2025| Revenue | 81.6K DKK | +62% |
| EBITDA | 34.6K DKK | +892% |
| Net profit | 26.6K DKK | +704% |
| Total assets | 67.8K DKK | +136% |
| Equity | 45.3K DKK | +142% |
| Employees | — | — |
Company information
Legal name
PenSam Credit Komplementar ApS
CVR number
43720708
Legal form
Anpartsselskab
NACE code
Founded
20 December 2022 · 3 years
Share capital
DKK 40,000
Employees
—
VAT registered
No
Audit selected
No
Last report
2025-12-31
Financial year
January – December
Signatory rights
Selskabet tegnes af den administrerende direktør og ét direktionsmedlem i forening.
Company purpose
Selskabets formål er at være komplementar for PenSam Credit K/S samt anden virksomhed, der står i forbindelse hermed.
(no translation available)
Address
Jørgen Knudsens Vej 2, 3520 Farum
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Financial development
In its most recent annual report (2025), PenSam Credit Komplementar ApS reported revenue of DKK 81.6k, an increase of 62% on the year before. The figures on this page draw on 3 annual filings covering 2023 to 2025. The bottom line showed a net profit of DKK 26.6k, and the EBITDA margin stood at 42.5%.
At the end of 2025, equity financed 66.8% of the balance sheet, and current assets covered short-term debt 3 times.
Financials
Revenue
DKK thousandsEBITDA
DKK thousandsIncome statement
DKK thousands| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Revenue | 82 | 50 | 0 |
| Staff expenses | -0 | -0 | -0 |
| EBITDA | 35 | -4 | -25 |
| Depreciation & amort. | -0 | -0 | -0 |
| EBIT | 35 | -4 | -25 |
| Net financials | -1 | 2 | 0 |
| Profit before tax | 34 | -3 | -25 |
| Tax | 7 | -6 | -0 |
| Net profit | 27 | 3 | -25 |
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Balance sheet
DKK thousands| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Total assets | 68 | 29 | 40 |
| Equity | 45 | 19 | 15 |
| Long-term debt | 0 | 0 | 0 |
| Short-term debt | 22 | 10 | 25 |
| Total debt | 22 | 10 | 25 |
Financial ratios
5-year trendEBITDA margin
42.5 %
20232025
Equity ratio
66.8 %
WeakAmong the 40% lowest rated companies in the industry
20232025
Return on equity
58.6 %
Very strongAmong the 10% highest rated companies in the industry
20232025
Net profit margin
32.6 %
AverageAround the average of companies in the same industry
20232025
Asset turnover
1.20×
Very strongAmong the 10% highest rated companies in the industry
20232025
Debt / equity
0.50×
WeakAmong the 30% lowest rated companies in the industry
20232025
Sector performance
26 of 28 ratios graded28 financial ratios from the latest filing, each graded against companies in the same industry.
Profitability
Gross marginAverage
Around the average of companies in the same industry
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 marginStrong
Among the 40% highest rated companies in the industry
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 marginAverage
Around the average of companies in the same industry
The profit for the year as a share of revenue — the company's ability to turn revenue into profit.
Return on equity (ROE)Very strong
Among the 10% 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)Very strong
Among the 10% 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)Very strong
Among the 10% 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 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 ratioAverage
Around the average of companies in the same 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 ratioAverage
Around the average of companies in the same 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 ratioStrong
Among the 30% highest 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 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 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 40% 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 40% 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 equityWeak
Among the 30% 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 equityWeak
Among the 30% 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 debtStrong
Among the 40% highest rated companies in the industry
Profit relative to debt — the ability to create earnings while operating with debt.
EBITDA to debtVery strong
Among the 10% 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 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 marginVery strong
Among the 10% 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
Asset turnoverVery strong
Among the 10% highest rated companies in the industry
Revenue relative to total assets — the ability to generate revenue from the asset base.
Equity to contributed capitalWeak
Among the 30% 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 equityVery strong
Among the 10% highest rated companies in the industry
The size of this year's increase or decrease in the company's equity.
One-year change in debtVery weak
Among the 20% lowest rated companies in the industry
The size of this year's increase or decrease in the company's debt.
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
People & ownership
Management
Actively employed in the business| Name | Role | Member since |
|---|---|---|
| Current (3) | ||
JS Management | Management | 2022 |
HR Management | Management | 2023 |
MH Chief Executive Officer | Chief Executive Officer | 2022 |
Former (1)
PB Management | Management | 2022 – 2023 |
Board of directors
Non-executive oversightNo data on file.
Shareholders
Active legal owners| Shareholder | Type | Ownership | Votes | Registered |
|---|---|---|---|---|
| Company | 100% | 100% | 2022 |
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
FOA - Fag og Arbejde
PenSam Credit Komplementar ApS Board network connections
Board members of PenSam Credit Komplementar ApS also hold positions in 18 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Jeppe Starup | Management | 7 companiesMany roles |
| Pia Bastrup | Management | 5 companies |
| Hanne Reinhardt Møgelvang | Management | 3 companies |
| Mikkel Holme Aaen Andersen | Chief Executive Officer | 3 companies |
Frequently asked questions
What is the CVR number of PenSam Credit Komplementar ApS?
PenSam Credit Komplementar ApS is registered with CVR / Virk under CVR 43720708.
What is the revenue of PenSam Credit Komplementar ApS?
PenSam Credit Komplementar ApS reported revenue of DKK 81.6k in 2025.
Who is the CEO of PenSam Credit Komplementar ApS?
Mikkel Holme Aaen Andersen is the CEO of PenSam Credit Komplementar ApS.
Where is PenSam Credit Komplementar ApS headquartered?
PenSam Credit Komplementar ApS's registered address is Jørgen Knudsens Vej 2.