A.J. FINANS A/S

CVR 19939839 · Public limited company (A/S) · Active · Low risk

A.J. FINANS A/S is a Public limited company (A/S), founded on 12 December 1996, based in Horsens. The company is registered in the industry finansielle holdingselskaber. Our model estimates a bankruptcy risk of 0.0% over the next 12 months, which is 0.0 times the average for Danish companies. 20 annual reports have been published, of which 1 more than six months after the end of the financial year. The latest annual report (31 Dec 2025) shows equity of DKK 4.6m and a net result of DKK -31k. CEO: Aksel Justesen.

Bankruptcy risk for A.J. FINANS A/S

0.0%

probability of bankruptcy within 12 months

Low risk

0.0 × the average (1.41%) · higher risk than 0% of active Danish companies

Lowest riskHighest risk

Increases the risk

Annual reports filed late1 · bankruptcy rate 11.3%1.3×

Audit opted outYes · bankruptcy rate 10.4%1.2×

Auditor registered in CVRNo · bankruptcy rate 10.4%1.2×

Loss for the yearYes · bankruptcy rate 10.3%1.2×

Reduces the risk

Current ratio500%+ · bankruptcy rate 1.5%0.17×

Age (years)20+ yrs · bankruptcy rate 2.0%0.23×

Equity vs. share capital5+× · bankruptcy rate 2.5%0.28×

Published annual reports10+ · bankruptcy rate 3.0%0.35×

Time at current address5+ yrs · bankruptcy rate 3.1%0.35×

Equity ratio60%+ · bankruptcy rate 3.3%0.38×

Number of auditors (historical)3+ · bankruptcy rate 3.7%0.42×

Time since new CEO5+ yrs · bankruptcy rate 3.8%0.43×

The factors show how often companies with the same characteristic went bankrupt compared with the average (“lift”). The risk is a statistical estimate from a model trained on 141,000+ Danish bankruptcies (AUC 0.93) – not a credit rating. Read about the method.

Company details

CVR number: 19939839
Status: Active
Company type: Public limited company (A/S)
Founded: 12 December 1996 (29 years)
Address: Sundgårdsvej 103
8700 Horsens
Municipality: Horsens
Industry: Finansielle holdingselskaber (642110)
Bankruptcies in the industry: Ikke-finansielle holdingselskaber
Share capital: DKK 500k
Employees: 1 (2018)
Auditor: Leif Mikkelsen & Partnere A/S
Audit opted out: Yes

Warning signs

Annual reports filed late	1 of 30
Missing annual report	No
Negative equity	No
Equity ratio	99.7%
Current ratio	39,706%
Moves (last 2 years)	0
CEO changes in total	0
CEO's previous bankruptcies	0
Other companies at the address	2
Going-concern uncertainty	No

Financials and key figures

Financial year	2025	2024	2023
Gross profit	DKK -21k	DKK -21k	DKK -20k
Net profit	DKK -31k	DKK 312k	DKK 24k
Equity	DKK 4.6m	DKK 4.6m	DKK 4.3m
Total assets	DKK 4.6m	DKK 4.7m	DKK 4.3m
Cash	DKK 1,165	DKK 4,299	–
Short-term debt	DKK 12k	DKK 21k	–
Avg. employees	1	0	–

Latest annual report: Reporting class B · auditor's statement: Andre erklæringer uden sikkerhed · Leif Mikkelsen & Partnere A/S.

Filed annual reports

Reporting period	Published	Days after period end
1 Jan 2025 – 31 Dec 2025	20 Apr 2026	110
1 Jan 2024 – 31 Dec 2024	14 May 2025	134
1 Jan 2023 – 31 Dec 2023	18 Apr 2024	109
1 Jan 2022 – 31 Dec 2022	14 Jun 2023	165
1 Jan 2021 – 31 Dec 2021	31 May 2022	151
1 Jan 2020 – 31 Dec 2020	21 Jun 2021	172
1 Jan 2019 – 31 Dec 2019	2 Jul 2020	184	Late
1 Jan 2018 – 31 Dec 2018	13 May 2019	133
1 Jan 2017 – 31 Dec 2017	25 Apr 2018	115
1 Jan 2016 – 31 Dec 2016	27 Apr 2017	117
1 Jan 2015 – 31 Dec 2015	9 May 2016	130
1 Jan 2014 – 31 Dec 2014	5 May 2015	125
1 Jan 2013 – 31 Dec 2013	13 Jun 2014	164
1 Jan 2012 – 31 Dec 2012	22 May 2013	142
1 Jan 2011 – 31 Dec 2011	16 Apr 2012	107
1 Jan 2010 – 31 Dec 2010	1 May 2011	121
1 Jan 2009 – 31 Dec 2009	2 Jun 2010	153
1 Jan 2008 – 31 Dec 2008	19 Feb 2009	50
1 Jan 2007 – 31 Dec 2007	18 Jun 2008	170
1 Jan 2006 – 31 Dec 2006	29 May 2007	149

The annual report must reach the Danish Business Authority no later than 5 months after the end of the financial year. We mark reports published more than 6 months after as “late”.

Management, owners and auditor

Role	Name	From	To
CEO	Aksel Justesen	12 Dec 1996	Current
Board	Aksel Justesen	12 Dec 1996	Current
Board	Birgitte Schwitzer Justesen	12 Dec 1996	Current
Board	Gerda Justesen	12 Dec 1996	Current
Board	Jacob Justesen	12 Dec 1996	Current
Board	Mette Nielsen	12 Dec 1996	Current
Owner (100%)	Aksel Justesen	12 Dec 1996	Current
Auditor	REVISIONSFIRMAET LEIF MIKKELSEN ApS	12 Dec 1996	27 Sep 2004
Auditor	LEIF MIKKELSEN & PARTNERE A/S	27 Sep 2004	30 Nov 2011
Auditor	LEIF MIKKELSEN & PARTNERE A/S	30 Nov 2011	4 May 2015
Founder	Aksel Justesen	12 Dec 1996	Current

The CEOs' other companies

Aksel Justesen – 12 other companies, of which 2 bankrupt

HEDENSTED TRÆINDUSTRI A/S Bankrupt 13 Nov 1986
UDVIKLINGSSELSKABET SUNDGÅRDSVEJ ApS Bankrupt 7 Apr 2011
AJ BYGGESERVICE A/S Fusioneret
AKTIESELSKABET AF 29.6.2006 Opløst
BYGGERIETS FORSIKRINGSSERVICE A/S Opløst
BYGGERIETS MARKETING ApS Opløst
BYGTEQ IT A/S Fusioneret
DANSK BYGGERI HOLDING ApS Opløst
EJENDOMSAKTIESELSKABET KEJSERGADE Opløst
Fredensgade 9 ApS Fusioneret
G&A EJENDOMME ApS Active
Vangevej 33 ApS Active

Address history (3 moves)

30 Sep 2018	Sundgårdsvej 103, 8700 Horsens
14 Apr 2010	Sundgårdsvej 103, 8700 Horsens
11 Jan 2007	Gyldenløvesvej 6, 8700 Horsens
12 Dec 1996	Vangevej 33, 8700 Horsens

Employees per year

Other companies at the same address

G&A EJENDOMME ApS Active
Vangevej 33 ApS Active

Similar companies in Horsens

Questions and answers about A.J. FINANS A/S

Has A.J. FINANS A/S gone bankrupt?

No, A.J. FINANS A/S is not registered as bankrupt in the CVR register. Its status is: active.

What is the bankruptcy risk of A.J. FINANS A/S?

Our model estimates a bankruptcy risk of 0.0% over the next 12 months (low risk), which is 0.0 times the average for Danish companies.

Who is the CEO of A.J. FINANS A/S?

Aksel Justesen is the CEO of A.J. FINANS A/S.

Who is the auditor of A.J. FINANS A/S?

A.J. FINANS A/S most recently used Leif Mikkelsen & Partnere A/S.

When was A.J. FINANS A/S founded?

A.J. FINANS A/S was founded on 12 December 1996.

What is the equity of A.J. FINANS A/S?

Equity was DKK 4.6m according to the annual report for the period ending 31 December 2025.

Source: the CVR register and annual reports published by the Danish Business Authority. The information is updated continuously.