Insurance at Heart ApS

CVR 44194325 · Private limited company (ApS) · Active · Low risk

Insurance at Heart ApS is a Private limited company (ApS), founded on , based in Lynge. The company is registered in the industry virksomhedsrådgivning og anden ledelsesrådgivning. 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 73k and a net result of DKK 395. CEO: Martin Reedtz Kristiansen.

Bankruptcy risk for Insurance at Heart 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×
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×
CEO's other companies0 · bankruptcy rate 10.9%1.2×
Time since new CEO2–5 yrs · bankruptcy rate 10.8%1.2×

Reduces the risk

Current ratio500%+ · bankruptcy rate 1.5%0.17×
Equity ratio60%+ · bankruptcy rate 3.3%0.38×
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×
Return on assets0%–5% · bankruptcy rate 5.8%0.66×
Gross profit growth-30%–-10% · bankruptcy rate 6.3%0.71×

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
44194325
Status
Active
Company type
Private limited company (ApS)
Founded
(3 years)
Address
Ærtestensvej 13
3540 Lynge
Municipality
Allerød
Industry
Virksomhedsrådgivning og anden ledelsesrådgivning (702000)
Bankruptcies in the industry: Virksomhedsrådgivning og anden rådgivning om driftsledelse
Share capital
DKK 40k
Audit opted out
Yes

Warning signs

Annual reports filed late0 of 3
Missing annual reportNo
Negative equityNo
Equity ratio97.2%
Current ratio3,605%
Moves (last 2 years)0
CEO changes in total0
CEO's previous bankruptcies0
Other companies at the address1
Going-concern uncertaintyNo

Financials and key figures

Financial year20252024
Gross profitDKK 206kDKK 290k
Net profitDKK 395DKK 27k
EquityDKK 73kDKK 72k
Total assetsDKK 75kDKK 109k
CashDKK 75k–
Short-term debtDKK 2,076–
Tax owedDKK 111–
Avg. employees2–

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

Filed annual reports

Reporting periodPublishedDays after period end
1 Jan 2025 – 31 Dec 2025161
1 Jan 2024 – 31 Dec 2024169
27 Jun 2023 – 31 Dec 2023134

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
CEOMartin Reedtz KristiansenCurrent
Owner (100%)Kristiansen Investments ApSCurrent
FounderKristiansen Investments ApSCurrent

Address history (0 moves)

Ærtestensvej 13, 3540 Lynge

Other companies at the same address

Similar companies in Allerød

Questions and answers about Insurance at Heart ApS

Has Insurance at Heart ApS gone bankrupt?

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

What is the bankruptcy risk of Insurance at Heart 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 Insurance at Heart ApS?

Martin Reedtz Kristiansen is the CEO of Insurance at Heart ApS.

When was Insurance at Heart ApS founded?

Insurance at Heart ApS was founded on 27 June 2023.

What is the equity of Insurance at Heart ApS?

Equity was DKK 73k 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.