With Financial Freedom ApS

CVR 42710687 · Private limited company (ApS) · Active · Medium risk

With Financial Freedom ApS is a Private limited company (ApS), founded on , based in Frederiksberg. The company is registered in the industry anden finansiel formidling i.a.n.. Our model estimates a bankruptcy risk of 2.6% over the next 12 months, which is 1.9 times the average for Danish companies. 4 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 -392k and a net result of DKK -109k. CEO: Heidi Gellert Andersen.

Bankruptcy risk for With Financial Freedom ApS

2.6%
probability of bankruptcy within 12 months
Medium risk

1.9 × the average (1.41%) · higher risk than 86% of active Danish companies

Lowest riskHighest risk

Increases the risk

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×
Auditor's statementNo assurance · bankruptcy rate 13.2%1.5×
Number of auditors (historical)0 · bankruptcy rate 12.5%1.4×
Published annual reports3–5 · bankruptcy rate 11.7%1.3×
RegionHovedstaden · bankruptcy rate 11.6%1.3×

Reduces the risk

Time since new CEO5+ yrs · bankruptcy rate 3.8%0.43×
Reporting classReporting class B · bankruptcy rate 5.7%0.65×
Going-concern uncertaintyNo · bankruptcy rate 6.4%0.73×
Age (years)5–10 yrs · bankruptcy rate 7.0%0.80×
Qualification / emphasis of matterNo · bankruptcy rate 7.1%0.80×
Restated annual reports1 · bankruptcy rate 7.1%0.81×
Missed filing deadlines0 · bankruptcy rate 7.1%0.81×
Moves in the last 2 years0 · bankruptcy rate 7.4%0.84×

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
42710687
Status
Active
Company type
Private limited company (ApS)
Founded
(5 years)
Address
c/o S.B. Kommunikation, Godthåbsvej 16A, 4. th
2000 Frederiksberg
Municipality
Frederiksberg
Industry
Anden finansiel formidling i.a.n. (649990)
Bankruptcies in the industry: Ikke-finansielle holdingselskaber
Share capital
DKK 40k
Audit opted out
Yes

Warning signs

Annual reports filed late1 of 4
Missing annual reportNo
Negative equityYes
Equity ratio-103.6%
Current ratio33%
Moves (last 2 years)0
CEO changes in total0
CEO's previous bankruptcies0
Other companies at the address8
Going-concern uncertaintyNo

Financials and key figures

Financial year202520242023
Gross profitDKK -18kDKK -6,697DKK -19k
Net profitDKK -109kDKK 39kDKK 51k
EquityDKK -392kDKK -283kDKK -323k
Total assetsDKK 378kDKK 429kDKK 333k
Cash–DKK 639–
Short-term debtDKK 771kDKK 712k–
Avg. employees00–

Latest annual report: Reporting class B · auditor's statement: No assurance.

Filed annual reports

Reporting periodPublishedDays after period end
1 Jan 2025 – 31 Dec 2025176
1 Jan 2024 – 31 Dec 202484
1 Jan 2023 – 31 Dec 2023134
21 Sep 2021 – 31 Dec 2022191 Late

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
CEOHeidi Gellert AndersenCurrent
Owner (100%)Heidi Gellert AndersenCurrent
FounderHeidi Gellert AndersenCurrent

The CEOs' other companies

Heidi Gellert Andersen – 1 other companies

Address history (1 moves)

c/o S.B. Kommunikation, Godthåbsvej 16A, 4. th, 2000 Frederiksberg
Ole Suhrs Gade 21, kl. tv, 1354 København K

Former names

With Financial Freedom ApS – now
APAH Life APS –

Other companies at the same address

Similar companies in Frederiksberg

Questions and answers about With Financial Freedom ApS

Has With Financial Freedom ApS gone bankrupt?

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

What is the bankruptcy risk of With Financial Freedom ApS?

Our model estimates a bankruptcy risk of 2.6% over the next 12 months (medium risk), which is 1.9 times the average for Danish companies.

Who is the CEO of With Financial Freedom ApS?

Heidi Gellert Andersen is the CEO of With Financial Freedom ApS.

When was With Financial Freedom ApS founded?

With Financial Freedom ApS was founded on 21 September 2021.

What is the equity of With Financial Freedom ApS?

Equity was DKK -392k 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.