Riskpilot← Back to searchSign inGet full accessLÅN & SPAR BANK A/S
A/SActiveCVR 13538530Højbro Plads 9-11Other monetary intermediation · NACE 6419Est. 1989638 employees
Revenue 2025
DKK 0
EBITDA margin
—
-14% vs 2024
Equity ratio
8.8%
Financial strength
Net profit 2025
DKK 411,3M
-11% vs 2024
| Revenue | DKK 0 | — |
| EBITDA | DKK 650,3M | -14% |
| Net profit | DKK 411,3M | -11% |
| Total assets | DKK 41B | +13% |
| Equity | DKK 3,6B | +11% |
| Employees | 638 | — |
Legal name
LÅN & SPAR BANK A/S
CVR number
13538530
Legal form
Aktieselskab
NACE code
6419 · Other monetary intermediation
Founded
11. oktober 1989
Share capital
DKK 347.218.700
Employees
638 (FTE)
VAT registered
Yes
Audit selected
Yes
Last report
2025-12-31
Financial year
January – December
Signatory rights
Selskabet tegnes af a) enten formanden eller en næstformand i forening med et andet medlem af bestyrelsen, b) eller et medlem af bestyrelsen i forening med en direktør, c) eller to direktører i forening
Company purpose
Selskabets formål er at drive pengeinstitutvirksomhed og anden virksomhed, som i medfør af lov om finansiel virksomhed kan drives af pengeinstitutter.
Address
Højbro Plads 9-11
Phone
+4533782000
Risika for professionals
Risika provides regulated workflow tools for finance, procurement and compliance teams that need monitoring, alerts and an API.
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | 0 | 0 | 0 | 0 | 0 |
| Staff expenses | -658.320 | -697.574 | -762.015 | -875.943 | -960.277 |
| EBITDA | 316.682 | 385.233 | 780.410 | 756.943 | 650.280 |
| Depreciation & amort. | 69.584 | 139.054 | -158.950 | -145.421 | -123.258 |
| EBIT | 247.098 | 246.179 | 621.460 | 611.522 | 527.022 |
| Net financials | 8.289 | 6.297 | 6.525 | 7.785 | 10.231 |
| Profit before tax | 255.387 | 252.476 | 627.985 | 619.307 | 537.253 |
| Tax | 52.907 | 49.443 | 154.967 | 156.739 | 125.924 |
| Net profit | 202.480 | 203.033 | 473.018 | 462.568 | 411.329 |
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total assets | 27.741.028 | 30.022.290 | 33.243.575 | 36.384.383 | 40.977.278 |
| Equity | 2.241.647 | 2.421.545 | 2.857.338 | 3.250.919 | 3.610.290 |
| Long-term debt | 0 | 0 | 0 | 0 | 0 |
| Short-term debt | 25.456.702 | 27.572.401 | 30.356.194 | 33.095.303 | 37.351.186 |
| Total debt | 25.499.381 | 27.600.745 | 30.356.194 | 33.095.303 | 37.351.186 |
EBITDA margin
65028000000.0%
This company
15.8%
Market median
+411569620153% vs market
20212025
Equity ratio
8.8%
This company
38.2%
Market median
-77% vs market
20212025
Return on equity
11.4%
This company
18.4%
Market median
+38% vs market
20212025
Net profit margin
41132900000.0%
This company
8.1%
Market median
+507813580147% vs market
20212025
Asset turnover
0.00×
This company
1.12×
Market median
-100% vs market
20212025
Debt / equity
10.35×
This company
0.62×
Market median
-1569% vs market
20212025
- Annual report 2025Filed via CVR / Virk · Period 2025-01-01 – 2025-12-31
- Annual report 2024Filed via CVR / Virk · Period 2024-01-01 – 2024-12-31
- Annual report 2023Filed via CVR / Virk · Period 2023-01-01 – 2023-12-31
- Annual report 2022Filed via CVR / Virk · Period 2022-01-01 – 2022-12-31
- Annual report 2021Filed via CVR / Virk · Period 2021-01-01 – 2021-12-31
| Name | Role | Member since |
|---|---|---|
| Current (9) | ||
KG Deputy | Deputy | 2026 |
MV Founder | Founder | 1989 |
| Founder | 1989 | |
PS Founder | Founder | 1989 |
JJ Management | Management | 2005 |
FZ Deputy | Deputy | 2026 |
SM | Deputy | 2026 |
JC Chief Executive Officer | Chief Executive Officer | 2007 |
MD Deputy | Deputy | 2026 |
| Former (30) | ||
FP Deputy | Deputy | 1998 – 2002 |
KJ Deputy | Deputy | 2022 – 2024 |
MV Deputy | Deputy | 1998 – 2006 |
FN Deputy | Deputy | 2006 – 2007 |
TP Deputy | Deputy | 2022 – 2026 |
EA Management | Management | 1989 – 1999 |
KE Management | Management | 1989 – 2003 |
HD Deputy | Deputy | 2002 – 2004 |
JC | Deputy | 2010 – 2014 |
NJ Deputy | Deputy | 2015 – 2018 |
PG | Deputy | 1989 – 1998 |
JN Deputy | Deputy | 2010 – 2014 |
ND Management | Management | 1989 – 1994 |
CS Management | Management | 2005 – 2008 |
MH Deputy | Deputy | 2006 – 2010 |
AH Deputy | Deputy | 1989 – 1994 |
NO Deputy | Deputy | 2010 – 2014 |
OS Deputy | Deputy | 2018 – 2022 |
IK Deputy | Deputy | 2018 – 2026 |
SN Deputy | Deputy | 2022 – 2026 |
LM Deputy | Deputy | 1989 – 1994 |
LN Deputy | Deputy | 2015 – 2018 |
JA | Deputy | 2018 – 2022 |
AI Deputy | Deputy | 2015 – 2018 |
CK | Deputy | 2010 – 2014 |
AL Deputy | Deputy | 2018 – 2022 |
HV Deputy | Deputy | 1989 – 1998 |
SN Deputy | Deputy | 1989 – 1998 |
AM Deputy | Deputy | 2002 – 2006 |
TT Deputy | Deputy | 2002 – 2004 |
| Name | Role | Member since |
|---|---|---|
| Current (12) | ||
| Board of Directors | 2023 | |
| Board of Directors | 2024 | |
| Board of Directors | 2022 | |
| Board of Directors | 2023 | |
| Board of Directors | 2026 | |
| Board of Directors | 2014 | |
| Chairman | 2023 | |
| Board of Directors | 2022 | |
| Board of Directors | 2026 | |
| Board of Directors | 2025 | |
| Deputy Chairman | 2023 | |
| Board of Directors | 2009 | |
| Former (62) | ||
| Board of Directors | 2018 – 2022 | |
| Board of Directors | 2019 – 2022 | |
| Board of Directors | 1989 – 1994 | |
| Board of Directors | 1989 – 2008 | |
| Deputy Chairman | 1989 – 1991 | |
| Board of Directors | 2004 – 2013 | |
| Deputy Chairman | 1989 – 2004 | |
| Board of Directors | 2012 – 2018 | |
| Board of Directors | 2001 – 2004 | |
| Board of Directors | 2002 – 2006 | |
| Deputy Chairman | 2011 – 2015 | |
| Board of Directors | 1989 – 1990 | |
| Board of Directors | 1998 – 2006 | |
| Deputy Chairman | 2011 – 2014 | |
| Board of Directors | 2023 – 2025 | |
| Chairman | 2006 – 2021 | |
| Board of Directors | 2006 – 2010 | |
| Deputy Chairman | 2006 – 2009 | |
| Board of Directors | 2006 – 2007 | |
| Board of Directors | 1998 – 2004 | |
| Board of Directors | 1989 – 1998 | |
| Board of Directors | 2004 – 2016 | |
| Board of Directors | 2001 – 2010 | |
| Deputy Chairman | 2003 – 2004 | |
| Board of Directors | 2014 – 2026 | |
| Board of Directors | 2022 – 2024 | |
| Board of Directors | 1989 – 1990 | |
| Board of Directors | 1989 – 1994 | |
| Board of Directors | 2006 – 2006 | |
| Board of Directors | 1989 – 1994 | |
| Board of Directors | 1989 – 1998 | |
| Board of Directors | 1989 – 2001 | |
| Board of Directors | 1998 – 2002 | |
| Board of Directors | 1989 – 1996 | |
| Board of Directors | 2007 – 2009 | |
| Board of Directors | 2020 – 2023 | |
| Deputy Chairman | 1989 – 1996 | |
| Board of Directors | 2008 – 2012 | |
| Board of Directors | 1989 – 1992 | |
| Board of Directors | 2006 – 2007 | |
| Deputy Chairman | 2009 – 2010 | |
| Board of Directors | 2015 – 2018 | |
| Deputy Chairman | 2015 – 2021 | |
| Board of Directors | 2018 – 2022 | |
| Board of Directors | 2016 – 2019 | |
| Board of Directors | 1989 – 1997 | |
| Board of Directors | 1989 – 2000 | |
| Board of Directors | 1989 – 1993 | |
| Board of Directors | 1989 – 1994 | |
| Board of Directors | 2006 – 2014 | |
| Board of Directors | 1989 – 2001 | |
| Chairman | 2016 – 2023 | |
| Board of Directors | 2014 – 2016 | |
| Board of Directors | 1996 – 1998 | |
| Board of Directors | 2007 – 2015 | |
| Board of Directors | 2004 – 2005 | |
| Board of Directors | 2013 – 2022 | |
| Board of Directors | 2010 – 2020 | |
| Board of Directors | 1997 – 2001 | |
| Board of Directors | 1989 – 1998 | |
| Deputy Chairman | 1996 – 2003 | |
| Board of Directors | 1989 – 1998 | |
| Shareholder | Type | Ownership | Votes | Since |
|---|---|---|---|---|
| Company | 10–14.99% | 10–14.99% | 1990 | |
| Company | 10–14.99% | 10–14.99% | 2019 | |
| Company | 10–14.99% | 10–14.99% | 1992 | |
| Company | 10–14.99% | 10–14.99% | 2009 | |
| Company | 5–9.99% | 5–9.99% | 2024 |
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PENSIONSKASSEN FOR SYGEPLEJERSKER OG LÆGESEKRETÆRER
LÅN & SPAR BANK A/S Board members of LÅN & SPAR BANK A/S also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Klaus Grundal Jespersen | Deputy | 0 companies |
| Frank Pedersen | Deputy | 0 companies |
| Martin Vadum Rømer | Founder | 0 companies |
| LAANE- OG SPAREKASSEN FOR OFFENTLIGT ANSATTE | Founder | 0 companies |
| Kurt Jensen | Deputy | 0 companies |
| Mogens Vinther | Deputy | 0 companies |
| Flemming Nyebølle | Deputy | 0 companies |
| Peter Schou | Founder | 0 companies |
| Thomas Peter Brøndtved | Deputy | 0 companies |
| Erik Arly Christophersen | Management | 0 companies |
| Kaj Egon Hansen | Management | 0 companies |
| Henning Dines Petersen | Deputy | 0 companies |
| Jens Christian Broegaard Krag | Deputy | 0 companies |
| Niclas Julius Gaard | Deputy | 0 companies |
| Peter Gøttrup Kristoffersen | Deputy | 0 companies |
| Jesper Nielsen | Deputy | 0 companies |
| Niels Dybsø Hansen | Management | 0 companies |
| Jesper Jenne Schiøler | Management | 0 companies |
| Frederik Zenker | Deputy | 0 companies |
| Claus Sejling | Management | 0 companies |
| Manja Haworth Buchter | Deputy | 0 companies |
| Anne Henningsen | Deputy | 0 companies |
| Niels Oluf Berthelsen | Deputy | 0 companies |
| Oscar Siöström | Deputy | 0 companies |
| Ismail Kaplan | Deputy | 0 companies |
| Stefan Nielsen | Deputy | 0 companies |
| Lennart Marmetschke | Deputy | 0 companies |
| Lene Nørholm Goldbæk | Deputy | 0 companies |
| Jesper Adelholm Baunsgaard | Deputy | 0 companies |
| Anni Ingrid Nielsen | Deputy | 0 companies |
| Casper Krüger Frederiksen | Deputy | 0 companies |
| Sille Marie Zeeberg Nielsen | Deputy | 0 companies |
| Andreas Lindahl | Deputy | 0 companies |
| Hanne Vilhelmsen | Deputy | 0 companies |
| Steen Nysum Kristensen | Deputy | 0 companies |
| Anni Mortensen | Deputy | 0 companies |
| Tina Thyge Sørensen | Deputy | 0 companies |
| John Christiansen | Chief Executive Officer | 0 companies |
| Mads Deichmann Poulsen | Deputy | 0 companies |
| Susan Broager Steffensen | Board of Directors | 0 companies |
| Arne Grevsen | Board of Directors | 0 companies |
| Mette Endersen | Board of Directors | 0 companies |
| Flemming Skov Jensen | Board of Directors | 0 companies |
| Erik Nygaard Jespersen | Deputy Chairman | 0 companies |
| Ulrik Salmonsen | Board of Directors | 0 companies |
| Anker Christoffersen | Deputy Chairman | 0 companies |
| Lars Wallberg | Board of Directors | 0 companies |
| Harun Demirtas | Board of Directors | 0 companies |
| Torben Hansen | Board of Directors | 0 companies |
| Mikkel Eriksen | Board of Directors | 0 companies |
| Peter Ibsen | Deputy Chairman | 0 companies |
| Erik Stig Jørgensen | Board of Directors | 0 companies |
| Mads Hedekær Reinholdt | Board of Directors | 0 companies |
| Thomas Jørgen Kruse | Board of Directors | 0 companies |
| Erik Jylling | Deputy Chairman | 0 companies |
| Lisbeth Bojer Lintz Christensen | Board of Directors | 0 companies |
| Anders Bondo Christensen | Chairman | 0 companies |
| Preben Martin Dessau | Board of Directors | 0 companies |
| Sine Sunesen | Deputy Chairman | 0 companies |
| Lars Weber Strate | Board of Directors | 0 companies |
| Svend Erik Christensen | Board of Directors | 0 companies |
| Søren Vang Rasmussen | Board of Directors | 0 companies |
| Bente Sorgenfrey | Board of Directors | 0 companies |
| Connie Dyhr Kruckow | Board of Directors | 0 companies |
| Svend Michael Christensen | Deputy Chairman | 0 companies |
| Preben Steenholdt Pedersen | Board of Directors | 0 companies |
| Jan Kamp Justesen | Board of Directors | 0 companies |
| Carsten Mærsk Clausen | Board of Directors | 0 companies |
| Michael Jacobsen | Board of Directors | 0 companies |
| Stine Bernhard | Board of Directors | 0 companies |
| Keld Krægh Jensen | Board of Directors | 0 companies |
| Carsten Nygaard | Board of Directors | 0 companies |
| Lisa Aaberg Seehuusen | Board of Directors | 0 companies |
| Jørgen Gunner Lange | Board of Directors | 0 companies |
| Anne-Mette Majken Brøgger | Board of Directors | 0 companies |
| Flemming Hansen | Board of Directors | 0 companies |
| Dorte Sørensen | Board of Directors | 0 companies |
| Karsten Poul Jørgensen | Board of Directors | 0 companies |
| Bjørn Vikkelsø Jensen | Board of Directors | 0 companies |
| Gordon Ørskov Madsen | Chairman | 0 companies |
| Jan Hjort | Board of Directors | 0 companies |
| Anni Pilgaard | Board of Directors | 0 companies |
| Morten Norling Bæk | Board of Directors | 0 companies |
| Jørn Østergaard | Deputy Chairman | 0 companies |
| Dorrit Vanglo | Board of Directors | 0 companies |
| Henning Rye Larsen | Board of Directors | 0 companies |
| Tommy Agerskov Thomsen | Board of Directors | 0 companies |
| Bent Fabricius | Deputy Chairman | 0 companies |
| Helle Bagge Britze | Board of Directors | 0 companies |
| Claus Oxfeldt | Deputy Chairman | 0 companies |
| Anne Mette Toftegaard | Board of Directors | 0 companies |
| Jens Christian Lyngstorp Kragh | Board of Directors | 0 companies |
| Jesper Stenholt | Board of Directors | 0 companies |
| Kirsten Elisabeth Stallknecht | Board of Directors | 0 companies |
| Torsten Christian Miland | Board of Directors | 0 companies |
| Ingelise Hedevig Koed | Board of Directors | 0 companies |
| Alex Karl Nielsen | Board of Directors | 0 companies |
| Palle Tipsmark | Board of Directors | 0 companies |
| Kurt Hakon Christiansen | Board of Directors | 0 companies |
| Sofie Nilsson | Board of Directors | 0 companies |
| Lars Qvistgaard | Chairman | 0 companies |
| Finn Rosendal Larsen | Board of Directors | 0 companies |
| Jens Henning Ravnsmed | Board of Directors | 0 companies |
| Peter Christian Sommer | Board of Directors | 0 companies |
| Ole Weiss | Board of Directors | 0 companies |
| Heino Kegel | Deputy Chairman | 0 companies |
| Henrik Horup | Board of Directors | 0 companies |
| Grete Christensen | Board of Directors | 0 companies |
| Jette Søe | Board of Directors | 0 companies |
| Ole Burchardt Løndal | Board of Directors | 0 companies |
| Annie Herfort Andersen | Deputy Chairman | 0 companies |
| Brian Vilhelmsen | Board of Directors | 0 companies |
| Jørn Rise Andersen | Board of Directors | 0 companies |