Fjord Forsikringsformidling ApS

CVR 45786471 · Private limited company (ApS) · Active · Medium risk

Fjord Forsikringsformidling ApS is a Private limited company (ApS), founded on , based in Horsens. The company is registered in the industry forsikringsagenters og forsikringsmægleres aktiviteter. Our model estimates a bankruptcy risk of 1.7% over the next 12 months, which is 1.2 times the average for Danish companies. 1 annual report has been published. The latest annual report (31 Dec 2025) shows equity of DKK -76k and a net result of DKK -96k. CEO: Phillip Pham, Rasmus Korsgaard Aspestrand.

Bankruptcy risk for Fjord Forsikringsformidling ApS

1.7%
probability of bankruptcy within 12 months
Medium risk

1.2 × the average (1.41%) · higher risk than 81% of active Danish companies

Lowest riskHighest risk

Increases the risk

Age (years)1 yrs · bankruptcy rate 21.6%2.5×
Equity ratio< -50% · bankruptcy rate 19.3%2.2×
Published annual reports1 · bankruptcy rate 18.7%2.1×
CEO changes in the last year2+ · bankruptcy rate 18.5%2.1×
Negative equityYes · bankruptcy rate 17.5%2.0×
Equity vs. share capital< 0× · bankruptcy rate 17.3%2.0×
Return on assets< -20% · bankruptcy rate 16.7%1.9×
Time since new CEO0.5–1 yrs · bankruptcy rate 15.6%1.8×

Reduces the risk

Share of late annual reports< 0.01% · bankruptcy rate 5.2%0.59×
Reporting classReporting class B · bankruptcy rate 5.7%0.65×
Number of CEOs2 · bankruptcy rate 5.7%0.65×
Registered owners3 · bankruptcy rate 6.2%0.71×
Going-concern uncertaintyNo · bankruptcy rate 6.4%0.73×
RegionMidtjylland · bankruptcy rate 6.9%0.79×
Qualification / emphasis of matterNo · bankruptcy rate 7.1%0.80×
Missed filing deadlines0 · bankruptcy rate 7.1%0.81×

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
45786471
Status
Active
Company type
Private limited company (ApS)
Founded
(1 years)
Address
Nørrestrandsgade 72
8700 Horsens
Municipality
Horsens
Industry
Forsikringsagenters og forsikringsmægleres aktiviteter (662200)
Bankruptcies in the industry: Formueforvaltning
Share capital
DKK 20k
Audit opted out
Yes

Warning signs

Annual reports filed late0 of 1
Missing annual reportNo
Negative equityYes
Equity ratio-369.8%
Current ratio21%
Moves (last 2 years)0
CEO changes in total3
CEO's previous bankruptcies0
Other companies at the address1
Going-concern uncertaintyNo

Financials and key figures

Financial year2025
Gross profitDKK -91k
Net profitDKK -96k
EquityDKK -76k
Total assetsDKK 20k
CashDKK 20k
Short-term debtDKK 96k
Avg. employees0

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

Filed annual reports

Reporting periodPublishedDays after period end
21 Mar 2025 – 31 Dec 2025176

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
CEOPhillip PhamCurrent
CEORasmus Korsgaard AspestrandCurrent
CEOAli Al-Ghazi
Owner (33%)Aspestrand Holding ApSCurrent
Owner (33%)Phillip PhamCurrent
Owner (25%)Oliver Christian KejCurrent
Owner (50%)Aspestrand Holding ApS
Owner (50%)Ghazi Holding ApS
FounderAspestrand Holding ApSCurrent
FounderGhazi Holding ApSCurrent

Address history (0 moves)

Nørrestrandsgade 72, 8700 Horsens

Other companies at the same address

Similar companies in Horsens

Questions and answers about Fjord Forsikringsformidling ApS

Has Fjord Forsikringsformidling ApS gone bankrupt?

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

What is the bankruptcy risk of Fjord Forsikringsformidling ApS?

Our model estimates a bankruptcy risk of 1.7% over the next 12 months (medium risk), which is 1.2 times the average for Danish companies.

Who is the CEO of Fjord Forsikringsformidling ApS?

Phillip Pham, Rasmus Korsgaard Aspestrand are the CEOs of Fjord Forsikringsformidling ApS.

When was Fjord Forsikringsformidling ApS founded?

Fjord Forsikringsformidling ApS was founded on 21 March 2025.

What is the equity of Fjord Forsikringsformidling ApS?

Equity was DKK -76k 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.