Smart Payment Solutions ApS

CVR 45517365 · Private limited company (ApS) · Active · Very high risk

Smart Payment Solutions ApS is a Private limited company (ApS), founded on , based in Søborg. The company is registered in the industry computerprogrammering. Our model estimates a bankruptcy risk of 10.9% over the next 12 months, which is 7.7 times the average for Danish companies. 1 annual report has 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 21k and a net result of DKK -27k. CEO: Aatharva Ravindra Kawade.

Bankruptcy risk for Smart Payment Solutions ApS

10.9%
probability of bankruptcy within 12 months
Very high risk

7.7 × the average (1.41%) · higher risk than 97% of active Danish companies

Lowest riskHighest risk

Increases the risk

Share of late annual reports75%+ · bankruptcy rate 29.8%3.4×
Age (years)1 yrs · bankruptcy rate 21.6%2.5×
Published annual reports1 · bankruptcy rate 18.7%2.1×
Return on assets< -20% · bankruptcy rate 16.7%1.9×
Time since new CEO1 yrs · bankruptcy rate 16.2%1.8×
Time at current address1 yrs · bankruptcy rate 14.0%1.6×
Auditor's statementNo assurance · bankruptcy rate 13.2%1.5×
Equity vs. share capital1× · bankruptcy rate 12.9%1.5×

Reduces the risk

Reporting classReporting class B · bankruptcy rate 3.2%0.37×
Equity ratio60%+ · bankruptcy rate 3.3%0.38×
Negative equityNo · bankruptcy rate 5.1%0.58×
Going-concern uncertaintyNo · bankruptcy rate 6.4%0.73×
Qualification / emphasis of matterNo · bankruptcy rate 7.1%0.80×
Missed filing deadlines0 · bankruptcy rate 7.1%0.81×
Moves in the last 2 years0 · bankruptcy rate 7.4%0.84×
Other companies at the same address1 · bankruptcy rate 7.6%0.86×

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
45517365
Status
Active
Company type
Private limited company (ApS)
Founded
(1 years)
Address
c/o Ravindra Kawade, Søborg Hovedgade 54, 2. tv
2860 Søborg
Municipality
Gladsaxe
Industry
Computerprogrammering (621000)
Bankruptcies in the industry: Konsulentbistand vedrørende informationsteknologi
Share capital
DKK 20k
Audit opted out
Yes

Warning signs

Annual reports filed late1 of 1
Missing annual reportNo
Negative equityNo
Equity ratio100.0%
Current ratio–
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 year2025
Gross profitDKK 34k
Net profitDKK -27k
EquityDKK 21k
Total assetsDKK 21k
CashDKK 9,079
Avg. employees0

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

Filed annual reports

Reporting periodPublishedDays after period end
30 Mar 2025 – 31 Dec 2025191 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
CEOAatharva Ravindra KawadeCurrent
Owner (100%)Ravindra KawadeCurrent
FounderRavindra KawadeCurrent

Address history (0 moves)

c/o Ravindra Kawade, Søborg Hovedgade 54, 2. tv, 2860 Søborg

Other companies at the same address

Similar companies in Gladsaxe

Questions and answers about Smart Payment Solutions ApS

Has Smart Payment Solutions ApS gone bankrupt?

No, Smart Payment Solutions ApS is not registered as bankrupt in the CVR register. Its status is: active.

What is the bankruptcy risk of Smart Payment Solutions ApS?

Our model estimates a bankruptcy risk of 10.9% over the next 12 months (very high risk), which is 7.7 times the average for Danish companies.

Who is the CEO of Smart Payment Solutions ApS?

Aatharva Ravindra Kawade is the CEO of Smart Payment Solutions ApS.

When was Smart Payment Solutions ApS founded?

Smart Payment Solutions ApS was founded on 30 March 2025.

What is the equity of Smart Payment Solutions ApS?

Equity was DKK 21k 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.