Skjold Forsikringsagentur ApS

CVR 44998769 · Private limited company (ApS) · Active · Low risk

Skjold Forsikringsagentur ApS is a Private limited company (ApS), founded on , based in Højbjerg. The company is registered in the industry forsikringsagenters og forsikringsmægleres aktiviteter. Our model estimates a bankruptcy risk of 0.1% over the next 12 months, which is 0.1 times the average for Danish companies. 2 annual reports have been published. The latest annual report (30 Jun 2026) shows equity of DKK 247k and a net result of DKK 128k. CEO: Christian Kramer Decker.

Bankruptcy risk for Skjold Forsikringsagentur 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

Moves in the last 2 years2 · bankruptcy rate 23.9%2.7×
Age (years)2 yrs · bankruptcy rate 18.9%2.1×
Published annual reports2 · bankruptcy rate 16.7%1.9×
Time at current address0.5–1 yrs · bankruptcy rate 16.5%1.9×
Number of auditors (historical)0 · bankruptcy rate 12.5%1.4×
Website registeredYes · bankruptcy rate 12.0%1.4×
Time since new CEO2–5 yrs · bankruptcy rate 10.8%1.2×
Audit opted outYes · bankruptcy rate 10.4%1.2×

Reduces the risk

Equity vs. share capital5+× · bankruptcy rate 2.5%0.28×
Equity ratio40%–60% · bankruptcy rate 4.6%0.52×
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×
Current ratio150%–200% · bankruptcy rate 5.4%0.61×
Auditor's statementCompilation · bankruptcy rate 5.6%0.64×

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
44998769
Status
Active
Company type
Private limited company (ApS)
Founded
(2 years)
Address
Michael Drewsens Vej 13
8270 Højbjerg
Municipality
Aarhus
Industry
Forsikringsagenters og forsikringsmægleres aktiviteter (662200)
Bankruptcies in the industry: Formueforvaltning
Share capital
DKK 40k
Auditor
BDO Statsautoriseret Revisionspartnerselskab
Audit opted out
Yes

Warning signs

Annual reports filed late0 of 2
Missing annual reportNo
Negative equityNo
Equity ratio42.2%
Current ratio183%
Moves (last 2 years)2
CEO changes in total0
CEO's previous bankruptcies0
Other companies at the address21
Going-concern uncertaintyNo

Financials and key figures

Financial year20262025
Gross profitDKK 793kDKK 104k
Net profitDKK 128kDKK 79k
EquityDKK 247kDKK 119k
Total assetsDKK 586kDKK 281k
CashDKK 242kDKK 133k
Short-term debtDKK 299kDKK 139k
Avg. employees21

Latest annual report: Reporting class B · auditor's statement: Andre erklæringer uden sikkerhed · BDO Statsautoriseret Revisionspartnerselskab.

Filed annual reports

Reporting periodPublishedDays after period end
1 Jul 2025 – 30 Jun 202663
1 Jul 2024 – 30 Jun 202563

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
CEOChristian Kramer DeckerCurrent
Owner (100%)Audere Holding ApSCurrent
FounderAudere Holding ApSCurrent

The CEOs' other companies

Christian Kramer Decker – 1 other companies

Address history (2 moves)

Michael Drewsens Vej 13, 8270 Højbjerg
Gunnar Clausens Vej 34, 1., 8260 Viby J
Holme Ringvej 133, 8260 Viby J

Other companies at the same address

Similar companies in Aarhus

Questions and answers about Skjold Forsikringsagentur ApS

Has Skjold Forsikringsagentur ApS gone bankrupt?

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

What is the bankruptcy risk of Skjold Forsikringsagentur 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 Skjold Forsikringsagentur ApS?

Christian Kramer Decker is the CEO of Skjold Forsikringsagentur ApS.

Who is the auditor of Skjold Forsikringsagentur ApS?

Skjold Forsikringsagentur ApS most recently used BDO Statsautoriseret Revisionspartnerselskab.

When was Skjold Forsikringsagentur ApS founded?

Skjold Forsikringsagentur ApS was founded on 5 June 2024.

What is the equity of Skjold Forsikringsagentur ApS?

Equity was DKK 247k according to the annual report for the period ending 30 June 2026.

Source: the CVR register and annual reports published by the Danish Business Authority. The information is updated continuously.