Riskpilot← Back to searchSign inGet full accessAl Finans A/S
A/SActiveCVR 31433428Sluseholmen 3Other credit granting · NACE 6492Est. 193588 employees
Revenue 2025
DKK 433,7M
-17% vs 2024
EBITDA margin
26.6%
+2% vs 2024
Equity ratio
3.4%
Financial strength
Net profit 2025
DKK -81,7M
-491% vs 2024
| Revenue | DKK 433,7M | -17% |
| EBITDA | DKK 115,2M | +2% |
| Net profit | DKK -81,7M | -491% |
| Total assets | DKK 8,8B | -2% |
| Equity | DKK 301,7M | -21% |
| Employees | 88 | — |
Legal name
Al Finans A/S
CVR number
31433428
Legal form
Aktieselskab
NACE code
6492 · Other credit granting
Founded
9. februar 1935
Share capital
DKK 6.000.000
Employees
88 (FTE)
VAT registered
Yes
Audit selected
Yes
Last report
2025-12-31
Financial year
January – December
Signatory rights
Selskabet tegnes af to medlemmer af bestyrelsen i forening, eller af en direktør i forening med et bestyrelsesmedlem.
Company purpose
Selskabets formål er at drive finansiel virksomhed og tilbyde finansielle serviceydelser og anden dermed i forbindelse stående virksomhed.
Address
Sluseholmen 3
Phone
+4543434900
Risika for professionals
Risika provides regulated workflow tools for finance, procurement and compliance teams that need monitoring, alerts and an API.
| Item | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 195.902 | 213.100 | 208.773 | 228.508 | 233.715 | 205.283 | 209.091 | 220.038 | 231.704 | 288.332 | 483.623 | 523.199 | 433.657 |
| Staff expenses | -62.658 | -58.837 | -56.304 | -59.664 | -64.162 | -65.824 | -68.117 | -72.704 | -76.682 | -77.141 | -78.798 | -82.527 | -84.301 |
| EBITDA | 92.458 | 100.614 | 96.354 | 128.916 | 71.746 | 78.185 | 76.132 | 82.346 | 89.967 | 111.238 | 118.544 | 113.144 | 115.246 |
| Depreciation & amort. | -46.239 | -51.128 | -51.096 | -75.579 | -32.438 | -33.563 | -35.470 | -37.918 | -33.360 | -26.937 | -22.440 | -23.899 | -24.018 |
| EBIT | 46.219 | 49.486 | 45.258 | 53.337 | 39.308 | 44.622 | 40.662 | 44.428 | 56.607 | 84.301 | 96.104 | 89.245 | 91.228 |
| Net financials | 3.995 | 2.387 | 473 | -106.467 | -113.691 | -1.079 | -84.515 | -84.459 | -7.794 | -9.900 | -373.612 | -33.427 | -184.025 |
| Profit before tax | 50.214 | 51.873 | 45.731 | 47.406 | 29.362 | 43.543 | 28.373 | 31.678 | 48.812 | 74.401 | -5.336 | 55.818 | -92.797 |
| Tax | 13.528 | 14.286 | 12.655 | 12.570 | 8.634 | 12.124 | 8.924 | 9.520 | 13.398 | 13.774 | 36.174 | 34.940 | -11.065 |
| Net profit | 36.686 | 37.587 | 33.076 | 34.836 | 20.728 | 31.419 | 19.449 | 22.158 | 35.414 | 60.627 | -41.510 | 20.878 | -81.732 |
| Item | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | 2.890.549 | 3.250.958 | 3.740.965 | 4.052.469 | 4.439.254 | 4.777.723 | 5.287.227 | 5.980.643 | 6.933.263 | 8.095.489 | 8.472.337 | 9.019.064 | 8.812.402 |
| Equity | 139.839 | 177.426 | 210.502 | 245.338 | 266.066 | 266.391 | 285.840 | 307.998 | 343.411 | 404.039 | 362.529 | 383.407 | 301.674 |
| Long-term debt | 0 | 0 | 1.100.000 | 700.000 | 800.000 | 200.000 | 401.874 | 450.000 | 1.050.000 | 950.000 | 1.300.000 | 1.103.577 | 1.481.950 |
| Short-term debt | 2.727.883 | 3.056.822 | 2.413.327 | 3.088.837 | 3.364.760 | 4.308.292 | 4.595.551 | 5.218.296 | 5.535.075 | 6.736.324 | 6.744.774 | 7.476.698 | 7.024.954 |
| Total debt | 2.727.883 | 3.056.822 | 3.513.327 | 3.788.837 | 4.164.760 | 4.508.292 | 4.997.425 | 5.668.296 | 6.585.075 | 7.686.324 | 8.044.774 | 8.580.275 | 8.506.904 |
EBITDA margin
26.6%
This company
15.8%
Market median
+68% vs market
20132025
Equity ratio
3.4%
This company
38.2%
Market median
-91% vs market
20132025
Return on equity
-27.1%
This company
18.4%
Market median
-247% vs market
20132025
Net profit margin
-18.8%
This company
8.1%
Market median
-332% vs market
20132025
Asset turnover
0.05×
This company
1.12×
Market median
-96% vs market
20132025
Debt / equity
28.21×
This company
0.62×
Market median
-4450% vs market
20132025
- 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
- Annual report 2020Filed via CVR / Virk · Period 2020-01-01 – 2020-12-31
- Annual report 2019Filed via CVR / Virk · Period 2019-01-01 – 2019-12-31
- Annual report 2018Filed via CVR / Virk · Period 2018-01-01 – 2018-12-31
- Annual report 2017Filed via CVR / Virk · Period 2017-01-01 – 2017-12-31
- Annual report 2016Filed via CVR / Virk · Period 2016-01-01 – 2016-12-31
- Annual report 2015Filed via CVR / Virk · Period 2015-01-01 – 2015-12-31
- Annual report 2014Filed via CVR / Virk · Period 2014-01-01 – 2014-12-31
- Annual report 2013Filed via CVR / Virk · Period 2013-01-01 – 2013-12-31
| Name | Role | Member since | Age | Other directorships |
|---|---|---|---|---|
| Audit | 1935 | — | — | |
PV | Audit | 1935 | — | — |
LS Audit | Audit | 1995 | — | — |
LH Management | Management | 1935 | — | — |
KO Audit | Audit | 1996 | — | — |
HL Chief Executive Officer | Chief Executive Officer | 2024 | — | — |
JP Chief Executive Officer | Chief Executive Officer | 2026 | — | — |
KN Audit | Audit | 1935 | — | — |
| Name | Role | Member since | Age | Other directorships |
|---|---|---|---|---|
| Board of Directors | 1935 | — | — | |
| Board of Directors | 1935 | — | — | |
| Board of Directors | 1935 | — | — | |
| Board of Directors | 1935 | — | — | |
| Board of Directors | 2021 | — | — | |
| Board of Directors | 1935 | — | — | |
| Board of Directors | 2020 | — | — | |
| Board of Directors | 2016 | — | — | |
| Chairman | 2025 | — | — | |
| Chairman | 2010 | — | — | |
| Deputy Chairman | 2025 | — | — | |
| Board of Directors | 1935 | — | — | |
| Board of Directors | 2020 | — | — | |
| Board of Directors | 2023 | — | — | |
| Board of Directors | 2009 | — | — | |
| Board of Directors | 2025 | — | — | |
| Board of Directors | 2000 | — | — | |
| Chairman | 2026 | — | — | |
| Board of Directors | 2023 | — | — | |
| Board of Directors | 2006 | — | — | |
| Board of Directors | 2023 | — | — |
| Shareholder | Type | Ownership | Votes | Since |
|---|---|---|---|---|
AL Sydbank A/S | Company | 100.0% | 100.0% | 2025 |
AKTIESELSKABET ARBEJDERNES LANDSBANK | Company | 100.0% | 100.0% | 1986 |
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Fagligt Fælles Forbund
Al Finans A/S Board members of Al Finans A/S also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Hr. Hovedkasserer Kristian Chr istensen | Audit | 0 companies |
| Per Viggo Frederiksen | Audit | 0 companies |
| Lise Storm | Audit | 0 companies |
| Lars Helt Haahr | Management | 0 companies |
| Kaj Olsen | Audit | 0 companies |
| Henrik Lund | Chief Executive Officer | 0 companies |
| Johan Ploug Aagaard | Chief Executive Officer | 0 companies |
| Kaj Normann Jensen | Audit | 0 companies |
| Georg Viggo Poulsen | Board of Directors | 0 companies |
| Poul Erik Leth | Board of Directors | 0 companies |
| Ernst Midtgaard | Board of Directors | 0 companies |
| Kristian Østergaard | Board of Directors | 0 companies |
| Simon Sinding Jørgensen | Board of Directors | 0 companies |
| Anton Schmidt Johannsen | Board of Directors | 0 companies |
| Signe Thustrup Kreiner | Board of Directors | 0 companies |
| Jesper Kaltoft Karlsen | Board of Directors | 0 companies |
| Svend Randers | Chairman | 0 companies |
| Gert Rinaldo Jonassen | Chairman | 0 companies |
| Frank Finne Mortensen | Deputy Chairman | 0 companies |
| Svend Ulrik Nibelius | Board of Directors | 0 companies |
| Jensmartin Bendi Frandsen | Board of Directors | 0 companies |
| Gry Bandholm Anker-Møller | Board of Directors | 0 companies |
| Lasse Kiær Nielsen | Board of Directors | 0 companies |
| Jan Walther Andersen | Board of Directors | 0 companies |
| Poul Erik Skov Christensen | Board of Directors | 0 companies |
| Jørn Adam Møller | Chairman | 0 companies |
| Torben Andre Petersen | Board of Directors | 0 companies |
| Kjeld Gosvig-Jensen | Board of Directors | 0 companies |
| Bjørn Bøje Jensen | Board of Directors | 0 companies |