Howden Forsikringsagentur A/S

CVR 32841341 · Public limited company (A/S) · Active · Low risk

Howden Forsikringsagentur A/S is a Public limited company (A/S), founded on , based in Risskov. The company is registered in the industry forsikringsagenters og forsikringsmægleres aktiviteter. Our model estimates a bankruptcy risk of 0.1% over the next 12 months, which is 0.0 times the average for Danish companies. 14 annual reports have been published. The latest annual report (31 Dec 2025) shows equity of DKK 95.8m and a net result of DKK 31.6m. CEO: Christian Elmelund.

Bankruptcy risk for Howden Forsikringsagentur A/S

0.1%
probability of bankruptcy within 12 months
Low risk

0.0 × the average (1.41%) · higher risk than 33% of active Danish companies

Lowest riskHighest risk

Increases the risk

Time at current address0.5–1 yrs · bankruptcy rate 16.5%1.9×
Time since new CEO1 yrs · bankruptcy rate 16.2%1.8×
Moves in the last 2 years1 · bankruptcy rate 12.7%1.4×
Municipality changes3+ · bankruptcy rate 10.6%1.2×
Postcode changes3+ · bankruptcy rate 10.2%1.2×

Reduces the risk

Equity vs. share capital5+× · bankruptcy rate 2.5%0.28×
Published annual reports10+ · bankruptcy rate 3.0%0.35×
Equity ratio60%+ · bankruptcy rate 3.3%0.38×
Return on assets5%–15% · bankruptcy rate 3.5%0.39×
Number of auditors (historical)3+ · bankruptcy rate 3.7%0.42×
Age (years)10–20 yrs · bankruptcy rate 3.9%0.45×
Company typeA/S · bankruptcy rate 4.4%0.50×
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
32841341
Status
Active
Company type
Public limited company (A/S)
Founded
(16 years)
Address
Mosevej 5B, 4. th
8240 Risskov
Municipality
Aarhus
Industry
Forsikringsagenters og forsikringsmægleres aktiviteter (662200)
Bankruptcies in the industry: Formueforvaltning
Share capital
DKK 501k
Employees
12 (2018)
Auditor
EY Godkendt Revisionspartnerselskab
Audit opted out
No

Warning signs

Annual reports filed late0 of 14
Missing annual reportNo
Negative equityNo
Equity ratio63.9%
Current ratio117%
Moves (last 2 years)1
CEO changes in total6
CEO's previous bankruptcies0
Other companies at the address19
Going-concern uncertaintyNo

Financials and key figures

Financial year20252025202420232022
Gross profitDKK 52.8mDKK 47.8mDKK -134kDKK 37.1mDKK 48.1m
Net profitDKK 31.6mDKK 5.5mDKK -19.4mDKK 9.8mDKK 24.0m
EquityDKK 95.8mDKK 64.3mDKK 58.8mDKK 78.2mDKK 23.1m
Total assetsDKK 143.6mDKK 100.6mDKK 107.6mDKK 136.5mDKK 55.3m
CashDKK 18.4mDKK 15.0mDKK 14.5mDKK 8.2m–
Short-term debtDKK 46.1mDKK 32.6mDKK 48.4mDKK 54.2m–
Avg. employees43383329–

Latest annual report: Reporting class B · auditor's statement: Den uafhængige revisors erklæring · EY Godkendt Revisionspartnerselskab.

Filed annual reports

Reporting periodPublishedDays after period end
1 Oct 2024 – 30 Sep 2025181
1 Jan 2023 – 31 Dec 2023150
1 Jul 2021 – 31 Dec 2022179
1 Jul 2020 – 30 Jun 202196
1 Jul 2019 – 30 Jun 202093
1 Jul 2018 – 30 Jun 201988
1 Jul 2017 – 30 Jun 201889
1 Jul 2016 – 30 Jun 201776
1 Jul 2015 – 30 Jun 201684
1 Jul 2014 – 30 Jun 201578
1 Jul 2013 – 30 Jun 201453
1 Jul 2012 – 30 Jun 201354
1 Jul 2011 – 30 Jun 201275
15 Apr 2010 – 30 Jun 201153

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
CEOChristian ElmelundCurrent
CEOJørn Buhl Pedersen
CEOLasse Martens Jensen
CEOJohnny Krohn Rasmussen
BoardLars Rosenkrantz GundorphCurrent
BoardCarl Anders Holde-JensenCurrent
BoardJohnny Krohn RasmussenCurrent
BoardHans Buhl
BoardJørn Buhl Pedersen
BoardVilly Bukbjerg Fiedler
BoardJens Albert Nielsen Kusk
BoardChristian Hjort
BoardLasse Martens Jensen
BoardThomas Kaas Selsø
BoardJohnny Krohn Rasmussen
BoardTeis Kristian Flemming Kristensen
Owner (100%)Howden Danmark A/SCurrent
Owner (100%)FORSIKRINGSMÆGLER DANMARK A/S
Owner (100%)Buhl Pedersen Investments ApS
Owner (90%)Buhl Pedersen Investments ApS
Owner (10%)EFD Invest ApS
AuditorEY Godkendt RevisionspartnerselskabCurrent
AuditorLeo Pedersen
AuditorPartner Revision statsautoriseret revisionsaktieselskab
AuditorPARTNERSELSKABET AF 31. JANUAR 2014
AuditorDELOITTE STATSAUTORISERET REVISIONSPARTNERSELSKAB
FounderFORSIKRINGSMÆGLER DANMARK A/SCurrent

The CEOs' other companies

Christian Elmelund – 4 other companies

Jørn Buhl Pedersen – 15 other companies

Lasse Martens Jensen – 5 other companies

Johnny Krohn Rasmussen – 41 other companies

Address history (4 moves)

Mosevej 5B, 4. th, 8240 Risskov
Navervej 16A, 7451 Sunds
Nørgaardsvej 32, 2800 Kongens Lyngby
Navervej 16A, 7451 Sunds
Troldeparken 10, 7451 Sunds

Former names

Howden Forsikringsagentur A/S – now
North Forsikringsagentur A/S –
ERHVERVSFORSIKRING DANMARK AGENTUR A/S –
ERHVERVSFORSIKRING DANMARK A/S –

Employees per year

Number of employees at Howden Forsikringsagentur A/S per year6122011: 420112012: 520122013: 620132014: 820142015: 920152016: 1020162017: 1120172018: 122018

Other companies at the same address

Similar companies in Aarhus

Questions and answers about Howden Forsikringsagentur A/S

Has Howden Forsikringsagentur A/S gone bankrupt?

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

What is the bankruptcy risk of Howden Forsikringsagentur A/S?

Our model estimates a bankruptcy risk of 0.1% over the next 12 months (low risk), which is 0.0 times the average for Danish companies.

Who is the CEO of Howden Forsikringsagentur A/S?

Christian Elmelund is the CEO of Howden Forsikringsagentur A/S.

Who is the auditor of Howden Forsikringsagentur A/S?

Howden Forsikringsagentur A/S most recently used EY Godkendt Revisionspartnerselskab.

When was Howden Forsikringsagentur A/S founded?

Howden Forsikringsagentur A/S was founded on 15 April 2010.

What is the equity of Howden Forsikringsagentur A/S?

Equity was DKK 95.8m 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.