Pensure ApS

CVR 38918273 · Private limited company (ApS) · Active · Medium risk

Pensure ApS is a Private limited company (ApS), founded on , based in København K. The company is registered in the industry forsikringsagenters og forsikringsmægleres aktiviteter. Our model estimates a bankruptcy risk of 2.3% over the next 12 months, which is 1.6 times the average for Danish companies. 8 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 -4.3m and a net result of DKK -3.5m. CEO: Frederik Marcus Smedegaard Dannevang, Jon Fogelstrøm Reitz.

Bankruptcy risk for Pensure ApS

2.3%
probability of bankruptcy within 12 months
Medium risk

1.6 × the average (1.41%) · higher risk than 84% of active Danish companies

Lowest riskHighest risk

Increases the risk

Qualification / emphasis of matterYes · bankruptcy rate 29.3%3.3×
Equity ratio< -50% · bankruptcy rate 19.3%2.2×
Negative equityYes · bankruptcy rate 17.5%2.0×
Equity vs. share capital< 0× · bankruptcy rate 17.3%2.0×
Return on assets< -20% · bankruptcy rate 16.7%1.9×
Website registeredYes · bankruptcy rate 12.0%1.4×
RegionHovedstaden · bankruptcy rate 11.6%1.3×
CEO's other companies0 · bankruptcy rate 10.9%1.2×

Reduces the risk

Time since new CEO5+ yrs · bankruptcy rate 3.8%0.43×
Auditor registered in CVRYes · bankruptcy rate 4.8%0.55×
Audit opted outNo · bankruptcy rate 4.8%0.55×
Current ratio150%–200% · bankruptcy rate 5.4%0.61×
Registered owners4+ · bankruptcy rate 5.7%0.65×
Reporting classReporting class B · bankruptcy rate 5.7%0.65×
Number of CEOs2 · bankruptcy rate 5.7%0.65×
Auditor's statementAudit · bankruptcy rate 5.8%0.66×

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
38918273
Status
Active
Company type
Private limited company (ApS)
Founded
(9 years)
Address
Applebys Plads 7
1411 København K
Municipality
København
Industry
Forsikringsagenters og forsikringsmægleres aktiviteter (662200)
Bankruptcies in the industry: Formueforvaltning
Share capital
DKK 89k
Employees
3 (2018)
Auditor
inforevision statsautoriseret revisionsaktieselskab
Audit opted out
No

Warning signs

Annual reports filed late3 of 8
Missing annual reportNo
Negative equityYes
Equity ratio-59.3%
Current ratio195%
Moves (last 2 years)0
CEO changes in total2
CEO's previous bankruptcies0
Other companies at the address78
Going-concern uncertaintyNo

Financials and key figures

Financial year20252024
Gross profitDKK 5.0mDKK 6.9m
Net profitDKK -3.5mDKK 331k
EquityDKK -4.3mDKK -863k
Total assetsDKK 7.3mDKK 9.8m
CashDKK 952k–
Short-term debtDKK 1.1m–
Avg. employees10–

Latest annual report: Reporting class B · auditor's statement: Revisionspåtegning · inforevision statsautoriseret revisionsaktieselskab.

Filed annual reports

Reporting periodPublishedDays after period end
1 Jan 2025 – 31 Dec 2025183
1 Jan 2024 – 31 Dec 2024184 Late
1 Jan 2023 – 31 Dec 2023183
1 Jan 2022 – 31 Dec 2022181
1 Jan 2021 – 31 Dec 2021188 Late
1 Jan 2020 – 31 Dec 2020151
1 Jan 2019 – 31 Dec 2019177
8 Sep 2017 – 31 Dec 2018145

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
CEOFrederik Marcus Smedegaard DannevangCurrent
CEOJon Fogelstrøm ReitzCurrent
CEOFrank Løvendahl Nielsen
BoardFrederik Marcus Smedegaard Dannevang
BoardJon Fogelstrøm Reitz
BoardJohn Thomas
BoardEske Gunge
BoardNina Christensen
BoardMichael Hove Jacobsen
Owner (20%)ANLUDA ApSCurrent
Owner (20%)Reitz Holding ApSCurrent
Owner (5%)CARBON60 Invest ApSCurrent
Owner (15%)WOODBRIDGE ApSCurrent
Owner (5%)Dykehouse ApSCurrent
Owner (5%)LØVENDAHL H0LDING ApSCurrent
Owner (5%)MICHAEL HOVE HOLDING ApSCurrent
Owner (5%)LØVENDAHL H0LDING ApS
Owner (10%)WOODBRIDGE ApS
Auditorinforevision statsautoriseret revisionsaktieselskabCurrent
FounderANLUDA ApSCurrent
FounderReitz Holding ApSCurrent

The CEOs' other companies

Frank Løvendahl Nielsen – 2 other companies

Address history (4 moves)

Applebys Plads 7, 1411 København K
Applebys Plads 7, 1411 København K
Borgergade 34, st. tv, 1300 København K
Frederiksholms Kanal 30, 1220 København K
Porcelænshaven 26, 2000 Frederiksberg

Employees per year

Number of employees at Pensure ApS per year232018: 32018

Other companies at the same address

Similar companies in København

Questions and answers about Pensure ApS

Has Pensure ApS gone bankrupt?

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

What is the bankruptcy risk of Pensure ApS?

Our model estimates a bankruptcy risk of 2.3% over the next 12 months (medium risk), which is 1.6 times the average for Danish companies.

Who is the CEO of Pensure ApS?

Frederik Marcus Smedegaard Dannevang, Jon Fogelstrøm Reitz are the CEOs of Pensure ApS.

Who is the auditor of Pensure ApS?

Pensure ApS most recently used inforevision statsautoriseret revisionsaktieselskab.

When was Pensure ApS founded?

Pensure ApS was founded on 8 September 2017.

What is the equity of Pensure ApS?

Equity was DKK -4.3m 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.