Riskpilot← Back to searchSign inGet full accessHowden Realkreditrådgivning ApS
APSActiveCVR 27077048Nørgaardsvej 30Other activities auxiliary to financial services, except insurance and pension funding · NACE 6619Est. 20039 employeeswww.northrisk.dk
Revenue 2025
DKK 3,4M
-66% vs 2025
EBITDA margin
44.8%
-34% vs 2025
Equity ratio
25.9%
Financial strength
Net profit 2025
DKK 2K
+100% vs 2025
| Revenue | DKK 3,4M | -66% |
| EBITDA | DKK 1,5M | -34% |
| Net profit | DKK 2K | +100% |
| Total assets | DKK 27M | -6% |
| Equity | DKK 7M | +0% |
| Employees | 9 | — |
Legal name
Howden Realkreditrådgivning ApS
CVR number
27077048
Legal form
Anpartsselskab
NACE code
6619 · Other activities auxiliary to financial services, except insurance and pension funding
Founded
24. marts 2003
Share capital
DKK 250.000
Employees
9 (FTE)
VAT registered
Yes
Audit selected
Yes
Last report
2025-12-31
Financial year
January – December
Signatory rights
Selskabet tegnes af bestyrelsens formand i forening med et bestyrelsesmedlem eller en direktør, eller af den samlede bestyrelse.
Company purpose
Selskabets formål er rådgivning omkring låneomlægninger med optagelser og indfrielser i fast ejendom samt hermed beslægtede forhold.
Address
Nørgaardsvej 30
Email
finans-realkredit@howdendanmark.dk
Website
www.northrisk.dk
Risika for professionals
Risika provides regulated workflow tools for finance, procurement and compliance teams that need monitoring, alerts and an API.
| Item | 2022 | 2023 | 2024 | 2025 | 2025 |
|---|---|---|---|---|---|
| Revenue | 18.642 | 9.500 | 6.160 | 9.984 | 3.430 |
| Staff expenses | -6.080 | -7.932 | -5.423 | -7.666 | -1.889 |
| EBITDA | 12.562 | 1.568 | 737 | 2.318 | 1.536 |
| Depreciation & amort. | -4.240 | -2.565 | -3.105 | -4.133 | -1.036 |
| EBIT | 8.322 | -997 | -2.368 | -1.815 | 500 |
| Net financials | 147 | -822 | 886 | 262 | -330 |
| Profit before tax | 8.469 | -1.819 | -1.482 | -1.553 | 170 |
| Tax | 1.838 | 275 | 263 | 500 | 168 |
| Net profit | 6.631 | -2.094 | -1.745 | -2.053 | 2 |
| Item | 2022 | 2023 | 2024 | 2025 | 2025 |
|---|---|---|---|---|---|
| Total assets | 21.590 | 53.462 | 51.028 | 28.678 | 27.007 |
| Equity | 15.489 | 50.804 | 49.059 | 7.006 | 7.008 |
| Long-term debt | 0 | 0 | 0 | 550 | 0 |
| Short-term debt | 6.059 | 2.325 | 1.540 | 20.722 | 19.722 |
| Total debt | 6.059 | 2.325 | 1.540 | 21.272 | 19.722 |
EBITDA margin
44.8%
This company
15.8%
Market median
+184% vs market
20222025
Equity ratio
25.9%
This company
38.2%
Market median
-32% vs market
20222025
Return on equity
0.0%
This company
18.4%
Market median
-100% vs market
20222025
Net profit margin
0.1%
This company
8.1%
Market median
-99% vs market
20222025
Asset turnover
0.13×
This company
1.12×
Market median
-88% vs market
20222025
Debt / equity
2.85×
This company
0.62×
Market median
-360% vs market
20222025
- Annual report 2025Filed via CVR / Virk · Period 2025-10-01 – 2025-12-31
- Annual report 2025Filed via CVR / Virk · Period 2024-10-01 – 2025-09-30
- Annual report 2024Filed via CVR / Virk · Period 2024-01-01 – 2024-09-30
- 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
| Name | Role | Member since |
|---|---|---|
| Current (3) | ||
IJ Founder | Founder | 2003 |
MR Management | Management | 2024 |
MB Founder | Founder | 2003 |
| Name | Role | Member since |
|---|---|---|
| Current (3) | ||
| Chairman | 2021 | |
| Board of Directors | 2022 | |
| Board of Directors | 2023 | |
| Former (5) | ||
| Board of Directors | 2008 – 2015 | |
| Board of Directors | 2021 – 2022 | |
| Board of Directors | 2016 – 2020 | |
| Board of Directors | 2016 – 2020 | |
| Board of Directors | 2020 – 2021 | |
| Shareholder | Type | Ownership | Votes | Since |
|---|---|---|---|---|
| Company | 100% | 100% | 2021 | |
| Company | 25–33.32% | 25–33.32% | 2020 | |
| Company | 50–66.65% | 50–66.65% | 2020 | |
| Individual | 25–33.32% | 25% | 2016 | |
| Individual | 5–9.99% | 5–9.99% | 2008 | |
| Company | 15–19.99% | 15–19.99% | 2020 | |
| Individual | 25–33.32% | 25% | 2016 | |
| Company | 15–19.99% | 15–19.99% | 2020 | |
| Company | 50–66.65% | 50–66.65% | 2016 |
Beneficial ownership (UBO) data access is restricted in Denmark as of September 2025 per the EU 6th AML Directive. Learn more.
Rose BidCo ApS
Howden Realkreditrådgivning ApS Board members of Howden Realkreditrådgivning ApS also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Ib Jakobsen | Founder | 0 companies |
| Martin Riedel | Management | 0 companies |
| Michael Bengtsen | Founder | 0 companies |
| Lars Rosenkrantz Gundorph | Chairman | 0 companies |
| Karsten Hagel | Board of Directors | 0 companies |
| Johnny Krohn Rasmussen | Board of Directors | 0 companies |
| Thomas Kaas Selsø | Board of Directors | 0 companies |
| Hans Jørgen Whitta-Jacobsen | Board of Directors | 0 companies |
| Carl Anders Holde-Jensen | Board of Directors | 0 companies |
| Erik Dorph Sørensen | Board of Directors | 0 companies |
| Jakob Kristian Langemark | Board of Directors | 0 companies |