PenSam Credit Komplementar ApS

CVR 43720708 · Private limited company (ApS) · Active · Low risk

PenSam Credit Komplementar ApS is a Private limited company (ApS), founded on , based in Farum. The company is registered in the industry ikke-finansielle holdingselskaber. Our model estimates a bankruptcy risk of 0.1% over the next 12 months, which is 0.1 times the average for Danish companies. 3 annual reports have been published. The latest annual report (31 Dec 2025) shows equity of DKK 45k and a net result of DKK 27k. CEO: Jeppe Starup, Hanne Reinhardt Møgelvang.

Bankruptcy risk for PenSam Credit Komplementar ApS

0.1%
probability of bankruptcy within 12 months
Low risk

0.1 × the average (1.41%) · higher risk than 38% of active Danish companies

Lowest riskHighest risk

Increases the risk

Age (years)3–5 yrs · bankruptcy rate 13.3%1.5×
Auditor's statementNo assurance · bankruptcy rate 13.2%1.5×
Equity vs. share capital1× · bankruptcy rate 12.9%1.5×
Published annual reports3–5 · bankruptcy rate 11.7%1.3×
RegionHovedstaden · bankruptcy rate 11.6%1.3×
Time since new CEO2–5 yrs · bankruptcy rate 10.8%1.2×
Audit opted outYes · bankruptcy rate 10.4%1.2×
Auditor registered in CVRNo · bankruptcy rate 10.4%1.2×

Reduces the risk

Equity ratio60%+ · bankruptcy rate 3.3%0.38×
Current ratio200%–500% · bankruptcy rate 3.4%0.39×
Return on assets15%+ · bankruptcy rate 5.1%0.58×
Negative equityNo · bankruptcy rate 5.1%0.58×
Share of late annual reports< 0.01% · bankruptcy rate 5.2%0.59×
Loss for the yearNo · bankruptcy rate 5.3%0.60×
Reporting classReporting class B · bankruptcy rate 5.7%0.65×
Number of CEOs2 · bankruptcy rate 5.7%0.65×

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
43720708
Status
Active
Company type
Private limited company (ApS)
Founded
(3 years)
Address
Jørgen Knudsens Vej 2
3520 Farum
Municipality
Furesø
Industry
Ikke-finansielle holdingselskaber (642120)
Bankruptcies in the industry: Ikke-finansielle holdingselskaber
Share capital
DKK 40k
Audit opted out
Yes

Warning signs

Annual reports filed late0 of 3
Missing annual reportNo
Negative equityNo
Equity ratio66.8%
Current ratio302%
Moves (last 2 years)0
CEO changes in total2
CEO's previous bankruptcies0
Other companies at the address42
Going-concern uncertaintyNo

Financials and key figures

Financial year20252024
RevenueDKK 82kDKK 50k
Gross profitDKK 35kDKK -4,375
Net profitDKK 27kDKK 3,306
EquityDKK 45kDKK 19k
Total assetsDKK 68kDKK 29k
CashDKK 68k–
Short-term debtDKK 22k–
Tax owedDKK 7,493–
Avg. employees0–

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

Filed annual reports

Reporting periodPublishedDays after period end
1 Jan 2025 – 31 Dec 202557
1 Jan 2024 – 31 Dec 202485
20 Dec 2022 – 31 Dec 202354

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
CEOJeppe StarupCurrent
CEOHanne Reinhardt MøgelvangCurrent
CEOPia Bastrup
Owner (100%)PenSam Pension forsikringsaktieselskabCurrent
AuditorPRICEWATERHOUSECOOPERS STATSAUTORISERET REVISIONSPARTNERSELSKAB
FounderPenSam Pension forsikringsaktieselskabCurrent

The CEOs' other companies

Jeppe Starup – 6 other companies

Hanne Reinhardt Møgelvang – 1 other companies

Pia Bastrup – 14 other companies

Address history (0 moves)

Jørgen Knudsens Vej 2, 3520 Farum

Other companies at the same address

Similar companies in Furesø

Questions and answers about PenSam Credit Komplementar ApS

Has PenSam Credit Komplementar ApS gone bankrupt?

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

What is the bankruptcy risk of PenSam Credit Komplementar ApS?

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

Who is the CEO of PenSam Credit Komplementar ApS?

Jeppe Starup, Hanne Reinhardt Møgelvang are the CEOs of PenSam Credit Komplementar ApS.

When was PenSam Credit Komplementar ApS founded?

PenSam Credit Komplementar ApS was founded on 20 December 2022.

What is the equity of PenSam Credit Komplementar ApS?

Equity was DKK 45k 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.