REFINANZ ApS

CVR 29777934 · Private limited company (ApS) · Active · Low risk

REFINANZ ApS is a Private limited company (ApS), founded on , based in Risskov. The company is registered in the industry investering for egen regning. Our model estimates a bankruptcy risk of 0.2% over the next 12 months, which is 0.2 times the average for Danish companies. 19 annual reports have been published. The latest annual report (31 Dec 2025) shows equity of DKK 442k and a net result of DKK 62k. CEO: Kim Høyer Malling.

Bankruptcy risk for REFINANZ ApS

0.2%
probability of bankruptcy within 12 months
Low risk

0.2 × the average (1.41%) · higher risk than 49% of active Danish companies

Lowest riskHighest risk

Increases the risk

CEO's previous bankruptcies2 · bankruptcy rate 16.6%1.9×
Audit opted outYes · bankruptcy rate 10.4%1.2×
Auditor registered in CVRNo · bankruptcy rate 10.4%1.2×

Reduces the risk

Age (years)20+ yrs · bankruptcy rate 2.0%0.23×
Published annual reports10+ · bankruptcy rate 3.0%0.35×
Current ratio200%–500% · bankruptcy rate 3.4%0.39×
Return on assets5%–15% · 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×
Equity ratio40%–60% · bankruptcy rate 4.6%0.52×
Negative equityNo · bankruptcy rate 5.1%0.58×

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
29777934
Status
Active
Company type
Private limited company (ApS)
Founded
(20 years)
Address
c/o Kim Høyer Malling, Prins Knuds Vej 24
8240 Risskov
Municipality
Aarhus
Industry
Investering for egen regning (649910)
Bankruptcies in the industry: Ikke-finansielle holdingselskaber
Share capital
DKK 125k
Employees
0 (2018)
Auditor
BDO Statsautoriseret Revisionspartnerselskab
Audit opted out
Yes

Warning signs

Annual reports filed late0 of 19
Missing annual reportNo
Negative equityNo
Equity ratio58.0%
Current ratio233%
Moves (last 2 years)0
CEO changes in total0
CEO's previous bankruptcies2
Other companies at the address4
Going-concern uncertaintyNo

Financials and key figures

Financial year202520242023
Gross profitDKK -126kDKK -109kDKK -77k
Net profitDKK 62kDKK -34kDKK -307k
EquityDKK 442kDKK 381kDKK 415k
Total assetsDKK 762kDKK 669kDKK 577k
CashDKK 376kDKK 12k–
Short-term debtDKK 320kDKK 289k–
Avg. employees10–

Latest annual report: Reporting class B · auditor's statement: Andre erklæringer uden sikkerhed · BDO Statsautoriseret Revisionspartnerselskab.

Filed annual reports

Reporting periodPublishedDays after period end
1 Jan 2025 – 31 Dec 2025173
1 Jan 2024 – 31 Dec 2024181
1 Jan 2023 – 31 Dec 2023103
1 Jan 2022 – 31 Dec 2022172
1 Jan 2021 – 31 Dec 202196
1 Jan 2020 – 31 Dec 2020113
1 Jan 2019 – 31 Dec 201984
1 Jan 2018 – 31 Dec 2018104
1 Jan 2017 – 31 Dec 2017116
1 Jan 2016 – 31 Dec 2016150
1 Jan 2015 – 31 Dec 2015160
1 Jan 2014 – 31 Dec 2014161
1 Jan 2013 – 31 Dec 2013146
1 Jan 2012 – 31 Dec 2012159
1 Jan 2011 – 31 Dec 2011159
1 Jan 2010 – 31 Dec 2010160
1 Jan 2009 – 31 Dec 2009178
1 Jan 2008 – 31 Dec 2008173
25 Aug 2006 – 31 Dec 2007164

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
CEOKim Høyer MallingCurrent
Owner (100%)REFINANZ HOLDING ApSCurrent
AuditorEjendommen Arresøvej 48 / FINO Rådgivning
AuditorRR-SR A/S
AuditorREDMARK, GODKENDT REVISIONSPARTNERSELSKAB
FounderREFINANZ HOLDING ApSCurrent

The CEOs' other companies

Kim Høyer Malling – 9 other companies, of which 2 bankrupt

Address history (2 moves)

c/o Kim Høyer Malling, Prins Knuds Vej 24, 8240 Risskov
c/o Kim Høyer Malling, Havnegade 4, 4., 8000 Aarhus C
c/o Kim Høyer Malling, Prins Knuds Vej 24, 8240 Risskov

Former names

REFINANZ ApS – now
KONSULEN INVEST ApS –

Employees per year

Number of employees at REFINANZ ApS per year112009: 020092011: 020112012: 020122013: 020132014: 020142015: 020152017: 020172018: 02018

Other companies at the same address

Similar companies in Aarhus

Questions and answers about REFINANZ ApS

Has REFINANZ ApS gone bankrupt?

No, REFINANZ ApS is not registered as bankrupt in the CVR register. Its status is: active.

What is the bankruptcy risk of REFINANZ ApS?

Our model estimates a bankruptcy risk of 0.2% over the next 12 months (low risk), which is 0.2 times the average for Danish companies.

Who is the CEO of REFINANZ ApS?

Kim Høyer Malling is the CEO of REFINANZ ApS.

Who is the auditor of REFINANZ ApS?

REFINANZ ApS most recently used BDO Statsautoriseret Revisionspartnerselskab.

When was REFINANZ ApS founded?

REFINANZ ApS was founded on 25 August 2006.

What is the equity of REFINANZ ApS?

Equity was DKK 442k 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.