2020 Finance ApS

CVR 36564504 · Private limited company (ApS) · Active · Low risk

2020 Finance ApS is a Private limited company (ApS), founded on , based in Aarhus N. The company is registered in the industry andre kreditselskabers aktiviteter. Our model estimates a bankruptcy risk of 0.2% over the next 12 months, which is 0.2 times the average for Danish companies. 10 annual reports have been published, of which 5 more than six months after the end of the financial year. The latest annual report (31 Dec 2025) shows equity of DKK 94k and a net result of DKK -82k. CEO: Claus Methmann Christensen.

Bankruptcy risk for 2020 Finance 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

Share of late annual reports50%–75% · bankruptcy rate 18.4%2.1×
Return on assets< -20% · bankruptcy rate 16.7%1.9×
CEO's previous bankruptcies1 · bankruptcy rate 14.2%1.6×
Auditor's statementNo assurance · bankruptcy rate 13.2%1.5×
Number of auditors (historical)0 · bankruptcy rate 12.5%1.4×
CEO changes1 · bankruptcy rate 11.4%1.3×
Time since new CEO2–5 yrs · bankruptcy rate 10.8%1.2×
Audit opted outYes · bankruptcy rate 10.4%1.2×

Reduces the risk

Published annual reports10+ · bankruptcy rate 3.0%0.35×
Age (years)10–20 yrs · bankruptcy rate 3.9%0.45×
Equity ratio40%–60% · bankruptcy rate 4.6%0.52×
Negative equityNo · bankruptcy rate 5.1%0.58×
Current ratio150%–200% · bankruptcy rate 5.4%0.61×
Reporting classReporting class B · bankruptcy rate 5.7%0.65×
Equity vs. share capital2–5× · bankruptcy rate 6.3%0.72×
Going-concern uncertaintyNo · bankruptcy rate 6.4%0.73×

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
36564504
Status
Active
Company type
Private limited company (ApS)
Founded
(11 years)
Address
P.O. Pedersens Vej 2
8200 Aarhus N
Municipality
Aarhus
Industry
Andre kreditselskabers aktiviteter (649230)
Bankruptcies in the industry: Ikke-finansielle holdingselskaber
Share capital
DKK 40k
Audit opted out
Yes

Warning signs

Annual reports filed late6 of 10
Missing annual reportNo
Negative equityNo
Equity ratio48.4%
Current ratio194%
Moves (last 2 years)0
CEO changes in total1
CEO's previous bankruptcies1
Other companies at the address59
Going-concern uncertaintyNo

Financials and key figures

Financial year202520242023
Gross profitDKK -78kDKK -84kDKK -22k
Net profitDKK -82kDKK -66kDKK -42k
EquityDKK 94kDKK 176kDKK 242k
Total assetsDKK 194kDKK 226kDKK 242k
CashDKK 20kDKK 45k–
Short-term debtDKK 100kDKK 50k–
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 2025183
1 Jan 2024 – 31 Dec 2024190 Late
1 Jan 2023 – 31 Dec 2023172
1 Jan 2022 – 31 Dec 2022191 Late
1 Jan 2021 – 31 Dec 2021194 Late
1 Jan 2020 – 31 Dec 2020200 Late
1 Jan 2019 – 31 Dec 2019237 Late
1 Jan 2018 – 31 Dec 201894
1 Jul 2016 – 31 Dec 201795
13 Mar 2015 – 30 Jun 2016165

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
CEOClaus Methmann ChristensenCurrent
Owner (100%)SCM INVESTMENTS ApSCurrent
Owner (100%)Saint-Tropez ApS
Owner (50%)MSJ INVEST ApS
Owner (50%)Saint-Tropez ApS
Owner (50%)MSJ INVEST ApS
Owner (33%)MSJ INVEST ApS
Owner (25%)Nicade Holding ApS
Owner (33%)Saint-Tropez ApS
FounderTroels Burmølle KudskCurrent

The CEOs' other companies

Claus Methmann Christensen – 26 other companies, of which 4 bankrupt

Address history (4 moves)

P.O. Pedersens Vej 2, 8200 Aarhus N
Bredgade 36B, 3. th, 1260 København K
Bredgade 36B, 1. th, 1260 København K
Bredgade 36B, st., 1260 København K
Bredgade 36D, 2., 1260 København K

Former names

2020 Finance ApS – now
Smartkredit ApS –
Smartkredit IVS –
TMCV IT IVS –

Other companies at the same address

Similar companies in Aarhus

Questions and answers about 2020 Finance ApS

Has 2020 Finance ApS gone bankrupt?

No, 2020 Finance ApS is not registered as bankrupt in the CVR register. Its status is: active.

What is the bankruptcy risk of 2020 Finance 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 2020 Finance ApS?

Claus Methmann Christensen is the CEO of 2020 Finance ApS.

When was 2020 Finance ApS founded?

2020 Finance ApS was founded on 13 March 2015.

What is the equity of 2020 Finance ApS?

Equity was DKK 94k 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.