Fair Pension ApS
APSActiveAdvertising protectionCVR 44998998Vesterbro 91, 9000 AalborgActivities of insurance agents and brokers· NACE 6622Est. 2024 · 2 years old2 employeeshttps://www.fair-pension.dk
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Overview
Fair Pension ApS is a Danish APS based in Aalborg, operating in the Activities of insurance agents and brokers sector. Incorporated in 2024, the company has 2 employees and reported a gross profit of DKK 50.9k in its latest annual filing.
Gross profit 2025
50.9K DKK
−58% vs 2024
EBITDA margin (of gross profit)
−611.4 %
−1142% vs 2024
Net profit 2025
-315.1K DKK
-1157% vs 2024
Key ratios
See full ratios →Solidity ratioEquity ÷ Total assets × 100
-353.4 %
Very weakAmong the 10% lowest rated companies in the industry
20242025
Liquidity ratioCurrent assets ÷ Short-term debt
0.2×
Very weakAmong the 20% lowest rated companies in the industry
20242025
Return on assets (ROA)Net profit ÷ Total assets × 100
-371.0 %
Very weakAmong the 10% lowest rated companies in the industry
20242025
EBITDA — year on year
DKK thousandsKey figures
Annual report 2025| Gross profit | 50.9K DKK | -58% |
| EBITDA | -311K DKK | -1142% |
| Net profit | -315.1K DKK | -1157% |
| Total assets | 84.9K DKK | +9% |
| Equity | -300.1K DKK | -2110% |
| Employees | 2 | — |
Company information
Legal name
Fair Pension ApS
CVR number
44998998
Legal form
Anpartsselskab
NACE code
Founded
31 May 2024 · 2 years
Share capital
DKK 40,000
Employees
2 (FTE)
VAT registered
No
Audit selected
No
Last report
2025-12-31
Financial year
January – December
Signatory rights
Virksomheden tegnes af direktøren.
Company purpose
Virksomhedens formål er forsikringsmæglervirksomhed samt dermed beslægtet virksomhed
efter ledelsens skøn
(no translation available)
Contact
Address
Vesterbro 91, 9000 Aalborg
Phone
+45 8111 5001
Email
kontakt@fair-pension.dk
Website
https://www.fair-pension.dk
Advertising protection
Active — opted out of marketing use
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Financial development
In its most recent annual report (2025), Fair Pension ApS reported a gross profit of DKK 50.9k, a decrease of 58% on the year before. The figures on this page draw on 2 annual filings covering 2024 to 2025. The bottom line showed a net loss of DKK 315.1k, and the EBITDA margin stood at -611.4%.
At the end of 2025, current assets covered short-term debt 0.2 times.
Financials
Gross profit
DKK thousandsEBITDA
DKK thousandsIncome statement
DKK thousands| Item | 2025 | 2024 |
|---|---|---|
| Gross profit | 51 | 121 |
| Staff expenses | -362 | -146 |
| EBITDA | -311 | -25 |
| Depreciation & amort. | -0 | -0 |
| EBIT | -311 | -25 |
| Net financials | -4 | -0 |
| Profit before tax | -315 | -25 |
| Tax | -0 | -0 |
| Net profit | -315 | -25 |
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Balance sheet
DKK thousands| Item | 2025 | 2024 |
|---|---|---|
| Total assets | 85 | 78 |
| Equity | -300 | 15 |
| Long-term debt | 0 | 0 |
| Short-term debt | 385 | 63 |
| Total debt | 385 | 63 |
Financial ratios
5-year trendEBITDA margin (of gross profit)
-611.4 %
20242025
Equity ratio
-353.4 %
Very weakAmong the 10% lowest rated companies in the industry
20242025
Return on equity
—
20242025
Net profit margin (of gross profit)
-619.5 %
20242025
Asset turnover (of gross profit)
0.60×
20242025
Debt / equity
—
20242025
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)Very weak
Among the 10% lowest 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 weak
Among the 10% lowest rated companies in the industry
EBIT relative to total assets — the company's earning power before the effects of tax and financial leverage.
Capacity ratioAverage
Around the average of companies in the same 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 ratioVery weak
Among the 20% 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 ratioVery weak
Among the 20% 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 30% lowest rated companies in the industry
Cash relative to short-term debt — the ability to repay short-term obligations with cash alone.
Cash conversion ratioStrong
Among the 30% 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.
Fixed assets to long-term capitalNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
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.
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 debtVery weak
Among the 20% lowest rated companies in the industry
Profit relative to debt — the ability to create earnings while operating with debt.
EBITDA to debtWeak
Among the 30% lowest rated companies in the industry
EBITDA relative to debt — how much operating earnings are available to service the debt.
Interest coverageVery weak
Among the 10% lowest 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 40% highest rated companies in the industry
Financial expenses relative to total liabilities — the effective interest rate the company pays on its debt.
Interest marginVery weak
Among the 10% lowest 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 equityVery weak
Among the 10% lowest 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 10% 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
People & ownership
Management
Actively employed in the business| Name | Role | Member since |
|---|---|---|
| Current (1) | ||
SN Management | Management | 2024 |
Board of directors
Non-executive oversightNo data on file.
Shareholders
Active legal owners| Shareholder | Type | Ownership | Votes | Registered |
|---|---|---|---|---|
| Company | 90–99.99% | 90–99.99% | 2024 | |
| Company | 10–14.99% | 10–14.99% | 2025 |
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
Holdingtanken ApS
Fair Pension ApS Board network connections
Board members of Fair Pension ApS also hold positions in 4 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Simon Nygaard Løvstrøm | Management | 4 companies |
Frequently asked questions
What is the CVR number of Fair Pension ApS?
Fair Pension ApS is registered with CVR / Virk under CVR 44998998.
What is the gross profit of Fair Pension ApS?
Fair Pension ApS reported a gross profit of DKK 50.9k in 2025.
How many employees does Fair Pension ApS have?
Fair Pension ApS employs 2 people as of the latest annual report.
Where is Fair Pension ApS headquartered?
Fair Pension ApS's registered address is Vesterbro 91, 1. tv.