4FINANCE ApS
CVR 32557864 · Private limited company (ApS) · Active · Low risk
4FINANCE ApS is a Private limited company (ApS), founded on , based in København Ø. The company is registered in the industry andre kreditselskabers aktiviteter. Our model estimates a bankruptcy risk of 0.9% over the next 12 months, which is 0.6 times the average for Danish companies. 16 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 4.5m and a net result of DKK 1.6m.
Bankruptcy risk for 4FINANCE ApS
0.6 × the average (1.41%) · higher risk than 70% of active Danish companies
Increases the risk
Reduces the risk
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
- 32557864
- Status
- Active
- Company type
- Private limited company (ApS)
- Founded
- (17 years)
- Address
- c/o Grant Thornton, Lautrupsgade 11
2100 København Ø - Municipality
- København
- Industry
- Andre kreditselskabers aktiviteter (649230)
Bankruptcies in the industry: Ikke-finansielle holdingselskaber - Share capital
- DKK 1.5m
- Employees
- 36 (2018)
- Auditor
- Grant Thornton, Godkendt Revisionspartnerselskab
- Audit opted out
- No
Warning signs
| Annual reports filed late | 1 of 16 |
| Missing annual report | No |
| Negative equity | No |
| Equity ratio | 28.5% |
| Current ratio | 140% |
| Moves (last 2 years) | 1 |
| CEO changes in total | 5 |
| CEO's previous bankruptcies | 0 |
| Other companies at the address | 158 |
| Going-concern uncertainty | No |
Financials and key figures
| Financial year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Gross profit | DKK 2.5m | DKK 956k | DKK 9.6m |
| Net profit | DKK 1.6m | DKK -971k | DKK 4.7m |
| Equity | DKK 4.5m | DKK 3.0m | DKK 8.6m |
| Total assets | DKK 15.8m | DKK 14.3m | DKK 21.8m |
| Cash | DKK 1.3m | DKK 526k | – |
| Short-term debt | DKK 11.3m | DKK 11.3m | – |
| Tax owed | DKK 127k | DKK 0 | – |
| Avg. employees | 1 | 2 | – |
Latest annual report: Reporting class B · auditor's statement: Erklæring om udvidet gennemgang · Grant Thornton, Godkendt Revisionspartnerselskab.
Filed annual reports
| Reporting period | Published | Days after period end | |
|---|---|---|---|
| 1 Jan 2025 – 31 Dec 2025 | 181 | ||
| 1 Jan 2024 – 31 Dec 2024 | 178 | ||
| 1 Jan 2023 – 31 Dec 2023 | 180 | ||
| 1 Jan 2022 – 31 Dec 2022 | 124 | ||
| 1 Jan 2021 – 31 Dec 2021 | 178 | ||
| 1 Jan 2020 – 31 Dec 2020 | 184 | Late | |
| 1 Jan 2019 – 31 Dec 2019 | 103 | ||
| 1 Jan 2018 – 31 Dec 2018 | 151 | ||
| 1 Jan 2017 – 31 Dec 2017 | 159 | ||
| 1 Jan 2016 – 31 Dec 2016 | 160 | ||
| 1 Jan 2015 – 31 Dec 2015 | 153 | ||
| 1 Jan 2014 – 31 Dec 2014 | 140 | ||
| 1 Jan 2013 – 31 Dec 2013 | 149 | ||
| 1 Jan 2012 – 31 Dec 2012 | 149 | ||
| 1 Jan 2011 – 31 Dec 2011 | 131 | ||
| 28 Oct 2009 – 31 Dec 2010 | 159 |
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 | Peter Flintsø | ||
| CEO | Alberts Pole | ||
| CEO | Jens-Ole Kyhl Klitgaard | ||
| Board | Kristape Ozois | ||
| Board | Alberts Pole | ||
| Board | Märis Keiss | ||
| Board | Jens-Ole Kyhl Klitgaard | ||
| Board | Anton Metochkin | ||
| Board | Kieran Patrick Donnelly | ||
| Owner (100%) | 4finance Group S.A. | Current | |
| Owner (100%) | AS 4finance | ||
| Auditor | Grant Thornton, Godkendt Revisionspartnerselskab | Current | |
| Auditor | DELOITTE STATSAUTORISERET REVISIONSAKTIESELSKAB | ||
| Auditor | ApS af 27-07-1984 | ||
| Auditor | EY Godkendt Revisionspartnerselskab | ||
| Auditor | KPMG P/S | ||
| Auditor | EY Godkendt Revisionspartnerselskab | ||
| Founder | SIA "SMScredit Group" | Current |
The CEOs' other companies
Peter Flintsø – 12 other companies, of which 5 bankrupt
- BELUGA ApS Bankrupt 12 Feb 2007
- HITNRUN 1 ApS Bankrupt 12 Feb 2007
- PLAYTEX HOLDING ApS Bankrupt 12 Feb 2007
- REFUNKED CLOTHING ApS Bankrupt 12 Feb 2007
- SMS KVIKLÅN A/S Bankrupt 19 Jan 2010
- FAGFOLK.DK ApS Compulsorily dissolved
- FIRSTVISION ApS Active
- JLPT ApS Compulsorily dissolved
- KAPECA ApS Compulsorily dissolved
- NO BRAND ApS Opløst
- PEPINO ApS Active
- Siamdan Keramik ApS Active
Jens-Ole Kyhl Klitgaard – 1 other companies, of which 1 bankrupt
- PROSAVE ApS Bankrupt 1 Oct 2024
Address history (6 moves)
| c/o Grant Thornton, Lautrupsgade 11, 2100 København Ø | |
| c/o Grant Thornton, Stockholmsgade 45, 2100 København Ø | |
| Vesterbrogade 149, 1. b9, 1620 København V | |
| Vesterbrogade 1L, 4., 1620 København V | |
| Vesterbrogade 124B, 2. tv, 1620 København V | |
| Vesterbrogade 124B, 4. th, 1620 København V | |
| c/o FirstVision ApS, Marielundvej 32B, 1. tv, 2730 Herlev |
Former names
| 4FINANCE ApS | – now |
| SMSCREDIT. DK ApS | – |
Employees per year
Other companies at the same address
- C F-EJENDOMME HOLDING ApS Bankrupt
- DEESIDE KOMPLEMENTAR ApS Bankrupt
- EJENDOMSSELSKABET AF 23/4-63 ApS Bankrupt
- ESTATUM A/S Bankrupt
- ESTATUM DUBAI A/S Bankrupt
- ESTATUM FINANS A/S Bankrupt
- ESTATUM HOLDING A/S Bankrupt
- ESTATUM KREDIT A/S Bankrupt
- ESTATUM PROJEKT A1 ApS Bankrupt
- ESTATUM PROJEKT D1 ApS Bankrupt
- Energy Balance Denmark ApS Bankrupt
- GEORGE STREET KOMPLEMENTAR ApS Bankrupt
- LEATHERHEAD KOMPLEMENTAR ApS Bankrupt
- MARKET PLACE KOMPLEMENTAR ApS Bankrupt
- REAL EJENDOMSADMINISTRATION A/S Bankrupt
- REAL FORVALTNING A/S Bankrupt
- SCAN 285 KOMPLEMENTAR ApS Bankrupt
- SCAN 309 KOMPLEMENTAR ApS Bankrupt
- SCAN 313 KOMPLEMENTAR ApS Bankrupt
- SCAN 342 KOMPLEMENTAR ApS Bankrupt
- SCAN 343 KOMPLEMENTAR ApS Bankrupt
- 2SECURE DANMARK ApS Active
- A/S LINDEVO Active
- A/S MULA Active
- AM RETAIL DANEMARK ApS Active
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Questions and answers about 4FINANCE ApS
Has 4FINANCE ApS gone bankrupt?
No, 4FINANCE ApS is not registered as bankrupt in the CVR register. Its status is: active.
What is the bankruptcy risk of 4FINANCE ApS?
Our model estimates a bankruptcy risk of 0.9% over the next 12 months (low risk), which is 0.6 times the average for Danish companies.
Who is the auditor of 4FINANCE ApS?
4FINANCE ApS most recently used Grant Thornton, Godkendt Revisionspartnerselskab.
When was 4FINANCE ApS founded?
4FINANCE ApS was founded on 28 October 2009.
What is the equity of 4FINANCE ApS?
Equity was DKK 4.5m 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.