Gard (Denmark) ApS

CVR 45156338 · Private limited company (ApS) · Active · Medium risk

Gard (Denmark) ApS is a Private limited company (ApS), founded on , based in København Ø. The company is registered in the industry forsikringsagenters og forsikringsmægleres aktiviteter. Our model estimates a bankruptcy risk of 2.6% over the next 12 months, which is 1.9 times the average for Danish companies. 2 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 436k and a net result of DKK 401k. CEO: Mikael Toke Hvolgaard.

Bankruptcy risk for Gard (Denmark) 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

Age (years)2 yrs · bankruptcy rate 18.9%2.1×
CEO changes in the last year2+ · bankruptcy rate 18.5%2.1×
Share of late annual reports50%–75% · bankruptcy rate 18.4%2.1×
Published annual reports2 · bankruptcy rate 16.7%1.9×
Time since new CEO0.5–1 yrs · bankruptcy rate 15.6%1.8×
Time at current address1 yrs · bankruptcy rate 14.0%1.6×
Moves in the last 2 years1 · bankruptcy rate 12.7%1.4×
Current ratio50%–100% · bankruptcy rate 11.7%1.3×

Reduces the risk

Reporting classReporting class B · bankruptcy rate 3.2%0.37×
Auditor registered in CVRYes · bankruptcy rate 4.8%0.55×
Audit opted outNo · bankruptcy rate 4.8%0.55×
Negative equityNo · bankruptcy rate 5.1%0.58×
Loss for the yearNo · bankruptcy rate 5.3%0.60×
Return on assets0%–5% · bankruptcy rate 5.8%0.66×
Auditor's statementAudit · bankruptcy rate 5.8%0.66×
Has a boardYes · bankruptcy rate 6.0%0.68×

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
45156338
Status
Active
Company type
Private limited company (ApS)
Founded
(2 years)
Address
Amerika Plads 29, 3.
2100 København Ø
Municipality
København
Industry
Forsikringsagenters og forsikringsmægleres aktiviteter (662200)
Bankruptcies in the industry: Ikke-finansielle holdingselskaber
Share capital
DKK 40k
Auditor
KPMG P/S
Audit opted out
No

Warning signs

Annual reports filed late1 of 2
Missing annual reportNo
Negative equityNo
Equity ratio2.3%
Current ratio79%
Moves (last 2 years)1
CEO changes in total2
CEO's previous bankruptcies0
Other companies at the address37
Going-concern uncertaintyNo

Financials and key figures

Financial year20252024
RevenueDKK 8.9mDKK 0
Net profitDKK 401kDKK -4,954
EquityDKK 436kDKK 35k
Total assetsDKK 18.8mDKK 1.9m
CashDKK 12.0mDKK 508k
Short-term debtDKK 16.0m–
Tax owedDKK 102k–
Avg. employees10

Latest annual report: Reporting class B · auditor's statement: Auditor's report on audited financial statements · KPMGStatsautoriseret Revisionspartnerselskab.

Filed annual reports

Reporting periodPublishedDays after period end
1 Jan 2025 – 31 Dec 2025180
16 Oct 2024 – 31 Dec 2024195 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
CEOMikael Toke HvolgaardCurrent
CEOChristian Pritchard-Davies
BoardLars Ivar Kallekleiv Lislegaard-BækkenCurrent
BoardChristen GuddalCurrent
BoardMikael Toke Hvolgaard
Owner (100%)Gard ASCurrent
AuditorKPMG P/SCurrent
FounderGard ASCurrent

The CEOs' other companies

Mikael Toke Hvolgaard – 2 other companies

Address history (1 moves)

Amerika Plads 29, 3., 2100 København Ø
c/o Gorrissen Federspiel, Axeltorv 2, 1609 København V

Other companies at the same address

Similar companies in København

Questions and answers about Gard (Denmark) ApS

Has Gard (Denmark) ApS gone bankrupt?

No, Gard (Denmark) ApS is not registered as bankrupt in the CVR register. Its status is: active.

What is the bankruptcy risk of Gard (Denmark) 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 Gard (Denmark) ApS?

Mikael Toke Hvolgaard is the CEO of Gard (Denmark) ApS.

Who is the auditor of Gard (Denmark) ApS?

Gard (Denmark) ApS most recently used KPMG P/S.

When was Gard (Denmark) ApS founded?

Gard (Denmark) ApS was founded on 16 October 2024.

What is the equity of Gard (Denmark) ApS?

Equity was DKK 436k 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.