S & P PENSIONSMÆGLER ApS

CVR 24219321 · Private limited company (ApS) · Active · Low risk

S & P PENSIONSMÆGLER ApS is a Private limited company (ApS), founded on , based in Svendborg. The company is registered in the industry forsikringsagenters og forsikringsmægleres aktiviteter. 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 5.4m and a net result of DKK 1.2m. CEO: Mogens Forsberg Lorentzen.

Bankruptcy risk for S & P PENSIONSMÆGLER ApS

0.0%
probability of bankruptcy within 12 months
Low risk

0.0 × the average (1.41%) · higher risk than 15% of active Danish companies

Lowest riskHighest risk

Increases the risk

Auditor's statementNo assurance · bankruptcy rate 13.2%1.5×
Annual reports filed late1 · bankruptcy rate 11.3%1.3×
CEO's other companies0 · bankruptcy rate 10.9%1.2×
Audit opted outYes · bankruptcy rate 10.4%1.2×
Auditor registered in CVRNo · bankruptcy rate 10.4%1.2×
Employees (latest year)2–5 · bankruptcy rate 10.3%1.2×

Reduces the risk

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×
Gross profit growth0%–10% · bankruptcy rate 3.5%0.39×
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
24219321
Status
Active
Company type
Private limited company (ApS)
Founded
(27 years)
Address
c/o Mogens Lorentzen, Valmuevej 17
5700 Svendborg
Municipality
Svendborg
Industry
Forsikringsagenters og forsikringsmægleres aktiviteter (662200)
Bankruptcies in the industry: Formueforvaltning
Share capital
DKK 125k
Employees
3 (2018)
Audit opted out
Yes

Warning signs

Annual reports filed late1 of 26
Missing annual reportNo
Negative equityNo
Equity ratio74.6%
Current ratio48%
Moves (last 2 years)0
CEO changes in total3
CEO's previous bankruptcies0
Other companies at the address1
Going-concern uncertaintyNo

Financials and key figures

Financial year202520242023
Gross profitDKK 2.2mDKK 2.0mDKK 2.3m
Net profitDKK 1.2mDKK 1.1mDKK 989k
EquityDKK 5.4mDKK 4.9mDKK 4.5m
Total assetsDKK 7.2mDKK 7.1mDKK 7.1m
CashDKK 144kDKK 183k–
Short-term debtDKK 411kDKK 553k–
Tax owedDKK 48kDKK 125k–
Avg. employees11–

Latest annual report: Reporting class B · auditor's statement: No assurance.

Filed annual reports

Reporting periodPublishedDays after period end
1 Jan 2025 – 31 Dec 2025112
1 Jan 2024 – 31 Dec 2024141
1 Jan 2023 – 31 Dec 202395
1 Jan 2022 – 31 Dec 2022181
1 Jan 2021 – 31 Dec 2021178
1 Jan 2020 – 31 Dec 2020139
1 Jan 2019 – 31 Dec 201931
1 Jan 2018 – 31 Dec 2018119
1 Jan 2017 – 31 Dec 201758
1 Jan 2016 – 31 Dec 2016142
1 Jan 2015 – 31 Dec 2015132
1 Jan 2014 – 31 Dec 201422
1 Jan 2013 – 31 Dec 201357
1 Jan 2012 – 31 Dec 2012102
1 Jan 2011 – 31 Dec 201153
1 Jan 2010 – 31 Dec 2010122
1 Jan 2009 – 31 Dec 2009153
1 Jan 2008 – 31 Dec 2008155
1 Jan 2007 – 31 Dec 2007172
1 Jan 2006 – 31 Dec 2006225 Late

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

RoleNameFromTo
CEOMogens Forsberg LorentzenCurrent
CEOSteen Schierbeck
CEORalph Tiedemann
Owner (100%)Mogens Forsberg LorentzenCurrent
AuditorCarl Edvard Gudbergsen
AuditorC.R. Revision
AuditorCR Revision I/S
AuditorLLM STATSAUTORISERET REVISIONSAKTIESELSKAB
FounderASX 9667 ApSCurrent

The CEOs' other companies

Mogens Forsberg Lorentzen – 2 other companies

Steen Schierbeck – 46 other companies, of which 46 bankrupt

Ralph Tiedemann – 2 other companies

Address history (3 moves)

c/o Mogens Lorentzen, Valmuevej 17, 5700 Svendborg
c/o Mogens Lorentzen, Slotsalleen 19, 5700 Svendborg
c/o Ralph Tiedemann, Askevænget 10, 5700 Svendborg
c/o Mogens Forsberg Lorentzen, Knullen 102, 5220 Odense SØ

Former names

S & P PENSIONSMÆGLER ApS – now
ENSURE PENSIONSMÆGLER SYD ApS –
HMA PENSIONSMÆGLER SYD ApS –
HMA PENSION SYD ApS –
RENT 'N RIDE ApS –
SCSK 2670 ApS –

Employees per year

Number of employees at S & P PENSIONSMÆGLER ApS per year232011: 120112012: 120122013: 120132014: 120142015: 120152016: 220162017: 320172018: 32018

Other companies at the same address

Similar companies in Svendborg

Questions and answers about S & P PENSIONSMÆGLER ApS

Has S & P PENSIONSMÆGLER ApS gone bankrupt?

No, S & P PENSIONSMÆGLER ApS is not registered as bankrupt in the CVR register. Its status is: active.

What is the bankruptcy risk of S & P PENSIONSMÆGLER ApS?

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 S & P PENSIONSMÆGLER ApS?

Mogens Forsberg Lorentzen is the CEO of S & P PENSIONSMÆGLER ApS.

When was S & P PENSIONSMÆGLER ApS founded?

S & P PENSIONSMÆGLER ApS was founded on 1 July 1999.

What is the equity of S & P PENSIONSMÆGLER ApS?

Equity was DKK 5.4m 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.