S&P PENSIONSMÆGLER MIDTJYLLAND ApS

CVR 30086198 · Private limited company (ApS) · Active · Low risk

S&P PENSIONSMÆGLER MIDTJYLLAND ApS is a Private limited company (ApS), founded on 7 December 2006, based in Ulfborg. The company is registered in the industry forsikringsagenters og forsikringsmægleres aktiviteter. Our model estimates a bankruptcy risk of 0.4% over the next 12 months, which is 0.3 times the average for Danish companies. 19 annual reports have been published. The latest annual report (31 Dec 2025) shows equity of DKK 682k and a net result of DKK 190k. CEO: Erik Rou.

Bankruptcy risk for S&P PENSIONSMÆGLER MIDTJYLLAND ApS

0.4%

probability of bankruptcy within 12 months

Low risk

0.3 × the average (1.41%) · higher risk than 57% of active Danish companies

Lowest riskHighest risk

Increases the risk

Time at current address1 yrs · bankruptcy rate 14.0%1.6×

Moves in the last 2 years1 · bankruptcy rate 12.7%1.4×

Employees (latest year)2–5 · bankruptcy rate 10.3%1.2×

Postcode changes3+ · bankruptcy rate 10.2%1.2×

Reduces the risk

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

Auditor's statementExtended review · bankruptcy rate 2.9%0.33×

Published annual reports10+ · bankruptcy rate 3.0%0.35×

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×

Age (years)10–20 yrs · bankruptcy rate 3.9%0.45×

Auditor registered in CVRYes · bankruptcy rate 4.8%0.55×

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: 30086198
Status: Active
Company type: Private limited company (ApS)
Founded: 7 December 2006 (19 years)
Address: Havrevænget 20
6990 Ulfborg
Municipality: Holstebro
Industry: Forsikringsagenters og forsikringsmægleres aktiviteter (662200)
Bankruptcies in the industry: Formueforvaltning
Share capital: DKK 125k
Employees: 4 (2018)
Auditor: ROBÆK Statsautoriseret Revisionsaktieselskab
Audit opted out: No

Warning signs

Annual reports filed late	0 of 19
Missing annual report	No
Negative equity	No
Equity ratio	25.2%
Current ratio	131%
Moves (last 2 years)	1
CEO changes in total	2
CEO's previous bankruptcies	0
Other companies at the address	1
Going-concern uncertainty	No

Financials and key figures

Financial year	2025	2024
Gross profit	DKK 1.9m	–
Net profit	DKK 190k	–
Equity	DKK 682k	–
Total assets	DKK 2.7m	–
Cash	DKK 2,819	–
Short-term debt	DKK 2.0m	–
Avg. employees	2	–

Latest annual report: Reporting class B · auditor's statement: Erklæring om udvidet gennemgang · ROBÆK Statsautoriseret Revisionsaktieselskab.

Filed annual reports

Reporting period	Published	Days after period end
1 Jan 2025 – 31 Dec 2025	2 Jun 2026	153
1 Jan 2024 – 31 Dec 2024	26 May 2025	146
1 Jan 2023 – 31 Dec 2023	30 May 2024	151
1 Jan 2022 – 31 Dec 2022	15 May 2023	135
1 Jan 2021 – 31 Dec 2021	9 Jun 2022	160
1 Jan 2020 – 31 Dec 2020	22 Mar 2021	81
1 Jan 2019 – 31 Dec 2019	21 Apr 2020	112
1 Jan 2018 – 31 Dec 2018	6 Jun 2019	157
1 Jan 2017 – 31 Dec 2017	31 May 2018	151
1 Jan 2016 – 31 Dec 2016	2 Jun 2017	153
1 Jan 2015 – 31 Dec 2015	31 May 2016	152
1 Jan 2014 – 31 Dec 2014	23 Feb 2015	54
1 Jan 2013 – 31 Dec 2013	28 May 2014	148
1 Jan 2012 – 31 Dec 2012	17 Jun 2013	168
1 Jan 2011 – 31 Dec 2011	20 Jun 2012	172
1 Jan 2010 – 31 Dec 2010	16 Jun 2011	167
1 Jan 2009 – 31 Dec 2009	21 Jun 2010	172
1 Jan 2008 – 31 Dec 2008	21 Jun 2009	172
7 Dec 2006 – 31 Dec 2007	22 Jun 2008	174

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	Erik Rou	15 Mar 2007	Current
CEO	Jørgen Herman Melchior	7 Dec 2006	15 Mar 2007
Board	Peter Andreas Stakemann	7 Dec 2006	15 Mar 2007
Owner (100%)	ROU HOLDING ApS	13 Feb 2007	Current
Auditor	ROBÆK Statsautoriseret Revisionsaktieselskab	1 Apr 2021	Current
Auditor	ERNST & YOUNG DENMARK P/S	7 Dec 2006	15 Mar 2007
Auditor	REVISIONSFIRMAET KURT HUNDEBØLL V/KURT HUNDEBØLL	15 Mar 2007	1 Apr 2012
Auditor	LMO RÅDGIVNING ApS	1 Apr 2012	29 Nov 2012
Auditor	DLBR REVISION, GODKENDT REVISIONSANPARTSSELSKAB	29 Nov 2012	17 Sep 2014
Auditor	ECO REVISION ApS	17 Sep 2014	1 Apr 2021
Founder	ApS KBUS 38 nr.3117	7 Dec 2006	Current

The CEOs' other companies

Erik Rou – 3 other companies, of which 1 bankrupt

IH MARINE A/S Bankrupt 18 Feb 2014
GLENCLOVA A/S Active
ROU HOLDING ApS Active

Jørgen Herman Melchior – 60 other companies, of which 60 bankrupt

2Tal enterprise A/S Bankrupt 28 Apr 2020
30 08 61 71 ApS Bankrupt 1 Dec 2011
4 SEASONS A/S Bankrupt 15 Sep 2008
A/S PSE 17 NR. 1618 Bankrupt 18 Feb 2009
A/S PSE 17 NR. 1724 Bankrupt 30 Jun 2010
A/S af 02.10.2006 Bankrupt 14 Jun 2023
ABRATEK A/S Bankrupt 22 Mar 2022
ACCESSORY WORLD ApS Bankrupt 16 Jun 2010
ACTIVE SPORTS ApS Bankrupt 8 Dec 2008
ADLS ApS Bankrupt 14 Oct 2009
AIR ALPHA A/S Bankrupt 9 May 2012
AKAI DENMARK A/S Bankrupt 26 Aug 2008
AKTANT A/S Bankrupt 9 Feb 2012
AKTIESELSKABET HORSENS AF 1. JULI 2011 Bankrupt 20 Oct 2011
AMCH ApS Bankrupt 14 Oct 2011
ANDELS OG BOLIGLÅN ApS Bankrupt 8 Jun 2009
ANDERS CHRISTIANSEN & CO. ApS Bankrupt 20 Dec 2007
ASCHOU HUSE ApS Bankrupt 9 Mar 2010
AVENIR EJENDOM A/S Bankrupt 19 Dec 2013
AVENIR PROJEKTUDVIKLING A/S Bankrupt 9 Oct 2013
Aktieselskabet af 1. november 2010 Bankrupt 6 Apr 2021
Anpartsselskabet af 25. juni 2026 Bankrupt 9 Jul 2026
B&S INVEST HOLDING ApS Bankrupt 27 Feb 2009
BAG STÅLMONTAGE ApS Bankrupt 10 Feb 2011
BASEPOINT MEDIA A/S Bankrupt 23 Jun 2016
BAU-HOW PROJECTS A/S Bankrupt 6 Mar 2012
BAUGUR DK ApS Bankrupt 29 Sep 2010
BC-HANDEL.DK ApS Bankrupt 31 May 2010
BENNY PROPERTIES ApS Bankrupt 5 Apr 2011
BERNSTENSGADE INVEST ApS Bankrupt 15 Mar 2013

Address history (4 moves)

22 Oct 2025	Havrevænget 20, 6990 Ulfborg
13 Jul 2013	Tebbestrupvej 57, 8940 Randers SV
21 Jun 2008	Lille Voldgade 22, 8900 Randers C
27 Mar 2007	Tebbestrupvej 57, 8940 Randers SV
7 Dec 2006	Kronprinsessegade 18, 1306 København K

Former names

S&P PENSIONSMÆGLER MIDTJYLLAND ApS	25 Jun 2017 – now
ENSURE PENSIONSMÆGLER MIDTJYLLAND ApS	1 Jul 2014 – 24 Jun 2017
HMA PENSIONSMÆGLER MIDTJYLLAND ApS	30 May 2008 – 30 Jun 2014
3B PENSIONSRÅDGIVNING ApS	31 May 2007 – 29 May 2008
AKTIV PENSIONSRÅDGIVNING ApS	15 Mar 2007 – 30 May 2007
ApS KBIL 17 NR. 2397	7 Dec 2006 – 14 Mar 2007

Employees per year

Other companies at the same address

ROU HOLDING ApS Active

Similar companies in Holstebro

FORBOMA Holstebro

Questions and answers about S&P PENSIONSMÆGLER MIDTJYLLAND ApS

Has S&P PENSIONSMÆGLER MIDTJYLLAND ApS gone bankrupt?

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

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

Our model estimates a bankruptcy risk of 0.4% over the next 12 months (low risk), which is 0.3 times the average for Danish companies.

Who is the CEO of S&P PENSIONSMÆGLER MIDTJYLLAND ApS?

Erik Rou is the CEO of S&P PENSIONSMÆGLER MIDTJYLLAND ApS.

Who is the auditor of S&P PENSIONSMÆGLER MIDTJYLLAND ApS?

S&P PENSIONSMÆGLER MIDTJYLLAND ApS most recently used ROBÆK Statsautoriseret Revisionsaktieselskab.

When was S&P PENSIONSMÆGLER MIDTJYLLAND ApS founded?

S&P PENSIONSMÆGLER MIDTJYLLAND ApS was founded on 7 December 2006.

What is the equity of S&P PENSIONSMÆGLER MIDTJYLLAND ApS?

Equity was DKK 682k 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.