Cardlay A/S
CVR 37447285 · Public limited company (A/S) · Active · Low risk
Cardlay A/S is a Public limited company (A/S), founded on , based in Odense C. The company is registered in the industry computerkonsulentbistand og forvaltning af computerfaciliteter. Our model estimates a bankruptcy risk of 1.1% over the next 12 months, which is 0.8 times the average for Danish companies. 10 annual reports have been published, of which 2 more than six months after the end of the financial year. The latest annual report (31 Dec 2025) shows equity of DKK 67.4m and a net result of DKK -41.5m. CEO: Jørgen Christian Juul.
Bankruptcy risk for Cardlay A/S
0.8 × the average (1.41%) · higher risk than 74% 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
- 37447285
- Status
- Active
- Company type
- Public limited company (A/S)
- Founded
- (10 years)
- Address
- Kochsgade 31D, 3.
5000 Odense C - Municipality
- Odense
- Industry
- Computerkonsulentbistand og forvaltning af computerfaciliteter (622000)
Bankruptcies in the industry: Konsulentbistand vedrørende informationsteknologi - Share capital
- DKK 2.3m
- Employees
- 29 (2018)
- Auditor
- EY Godkendt Revisionspartnerselskab
- Audit opted out
- No
Warning signs
| Annual reports filed late | 2 of 10 |
| Missing annual report | No |
| Negative equity | No |
| Equity ratio | 88.5% |
| Current ratio | 49% |
| Moves (last 2 years) | 1 |
| CEO changes in total | 0 |
| CEO's previous bankruptcies | 1 |
| Other companies at the address | 156 |
| Going-concern uncertainty | Yes |
Financials and key figures
| Financial year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Gross profit | DKK 20.3m | DKK 40.5m | DKK 22.9m |
| Net profit | DKK -41.5m | DKK -9.9m | DKK -16.9m |
| Equity | DKK 67.4m | DKK 68.9m | DKK 67.7m |
| Total assets | DKK 76.1m | DKK 83.5m | DKK 77.1m |
| Cash | DKK 762k | DKK 1.7m | – |
| Short-term debt | DKK 5.3m | DKK 10.5m | – |
| Tax owed | DKK 0 | DKK 5.9m | – |
| Avg. employees | 45 | 44 | – |
Latest annual report: Reporting class B · auditor's statement: Revisionspåtegning · EY Godkendt Revisionspartnerselskab.
Filed annual reports
| Reporting period | Published | Days after period end | |
|---|---|---|---|
| 1 Jan 2025 – 31 Dec 2025 | 191 | Late | |
| 1 Jan 2024 – 31 Dec 2024 | 181 | ||
| 1 Jan 2023 – 31 Dec 2023 | 170 | ||
| 1 Jan 2022 – 31 Dec 2022 | 181 | ||
| 1 Jan 2021 – 31 Dec 2021 | 145 | ||
| 1 Jan 2020 – 31 Dec 2020 | 148 | ||
| 1 Jan 2019 – 31 Dec 2019 | 239 | Late | |
| 1 Jan 2018 – 31 Dec 2018 | 163 | ||
| 1 Jan 2017 – 31 Dec 2017 | 143 | ||
| 12 Feb 2016 – 31 Dec 2016 | 163 |
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 | Jørgen Christian Juul | Current | |
| Board | Jørgen Christian Juul | Current | |
| Board | Thorleif Krarup | Current | |
| Board | Torben Frigaard Rasmussen | Current | |
| Board | Nicolai Fink Gundersen | Current | |
| Board | Morten Lund Nielsen | ||
| Board | Ken Villum Guldbrandt Klausen | ||
| Board | Thorleif Krarup | ||
| Board | Morten Lund Nielsen | ||
| Board | Lars Andersen | ||
| Board | Johan Wolf | ||
| Board | Torben Frigaard Rasmussen | ||
| Board | Francisco Javier Perez Sanchez | ||
| Owner (100%) | Cardlay Holding ApS | Current | |
| Auditor | EY Godkendt Revisionspartnerselskab | Current | |
| Auditor | PRICEWATERHOUSECOOPERS STATSAUTORISERET REVISIONSPARTNERSELSKAB | ||
| Auditor | DELOITTE STATSAUTORISERET REVISIONSPARTNERSELSKAB | ||
| Founder | Cardlay Holding ApS | Current |
The CEOs' other companies
Jørgen Christian Juul – 12 other companies, of which 4 bankrupt
- Advokatfirmaet C.S.C.R. ApS Bankrupt 16 Jan 2019
- MUURHOLM & JUUL HOLDING ApS Bankrupt 12 Jan 2012
- REKLAMEBUREAUET OS A/S Bankrupt 27 Sep 2011
- SELSKABET AF 12. DEC. 03 A/S Bankrupt 15 Jul 2010
- Cardlay Holding ApS Active
- Cardlay Payments Solutions A/S Active
- GLOBAL ESTATES ApS Opløst
- HOLDYN ApS Active
- SELSKABET AF 1. AUGUST 2007 ApS Opløst
- SELSKABET AF 31-5-11 ApS Fusioneret
- Selskabet af den 1. feb. 2016 ApS Active
- WALLMOB A/S Opløst
Address history (6 moves)
| Kochsgade 31D, 3., 5000 Odense C | |
| Billedskærervej 17, 5230 Odense M | |
| Cortex Park 26E, 1., 5230 Odense M | |
| Langebrogade 4, 1411 København K | |
| Langebrogade 5, 1411 København K | |
| Cortex Park 26, 5230 Odense M | |
| Hack Kampmanns Plads 1, 8000 Aarhus C |
Former names
| Cardlay A/S | – now |
| Cardlay ApS | – |
Employees per year
Other companies at the same address
- AH Solution ApS Bankrupt
- AKTIV SOLENERGI ApS Bankrupt
- ANPARTSSELSKABET AF 10/9 2012 Bankrupt
- AQ Sales ApS Bankrupt
- BM Multibyg ApS Bankrupt
- BP Enterprises Holding IVS Bankrupt
- DK Vikarservice ApS Bankrupt
- DK Vikarservice Holding ApS Bankrupt
- Desklabs IVS Bankrupt
- FAGBLADENES UDGIVERSERVICE AMBA Bankrupt
- Fagkursus ApS Bankrupt
- Greenpoint Trading ApS Bankrupt
- JT Odense IVS Bankrupt
- LG INSIGHT ApS Bankrupt
- Martina Group ApS Bankrupt
- Nordic Ice Coffee ApS Bankrupt
- Optomaze IVS Bankrupt
- Purely Nordic ApS Bankrupt
- SELSKABET AF 20.10.2014 ApS Bankrupt
- Selskabet af 18. marts 2022 ApS Bankrupt
- Sprogeriet ApS Bankrupt
- TOP Holding Invest ApS Bankrupt
- TP Group ApS Bankrupt
- TechnoBuild DK ApS Bankrupt
- VILLA DESIGN ApS Bankrupt
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Questions and answers about Cardlay A/S
Has Cardlay A/S gone bankrupt?
No, Cardlay A/S is not registered as bankrupt in the CVR register. Its status is: active.
What is the bankruptcy risk of Cardlay A/S?
Our model estimates a bankruptcy risk of 1.1% over the next 12 months (low risk), which is 0.8 times the average for Danish companies.
Who is the CEO of Cardlay A/S?
Jørgen Christian Juul is the CEO of Cardlay A/S.
Who is the auditor of Cardlay A/S?
Cardlay A/S most recently used EY Godkendt Revisionspartnerselskab.
When was Cardlay A/S founded?
Cardlay A/S was founded on 12 February 2016.
What is the equity of Cardlay A/S?
Equity was DKK 67.4m 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.