Riskpilot← Back to searchSign inGet full access4FINANCE ApS
APSActiveCVR 32557864Lautrupsgade 11Other credit granting · NACE 6492Est. 20091 employeeswww.4finance.com
Revenue 2024
DKK 956K
-90% vs 2023
EBITDA margin
-90.2%
-114% vs 2023
Equity ratio
20.7%
Financial strength
Net profit 2024
DKK -971K
-121% vs 2023
| Revenue | DKK 956K | -90% |
| EBITDA | DKK -863K | -114% |
| Net profit | DKK -971K | -121% |
| Total assets | DKK 14,3M | -35% |
| Equity | DKK 3M | -66% |
| Employees | 1 | — |
Legal name
4FINANCE ApS
CVR number
32557864
Legal form
Anpartsselskab
NACE code
6492 · Other credit granting
Founded
28. oktober 2009
Share capital
DKK 1.466.000
Employees
1 (FTE)
VAT registered
Yes
Audit selected
Yes
Last report
2024-12-31
Financial year
January – December
Signatory rights
Selskabet tegnes af den administrerende
direktør alene.
Company purpose
Selskabets formål er at drive virksomhed med kreditgivning til privatpersoner, transport til juridiske personer og andre tredjemænd af lån ydet til privatpersoner, servicering af gæld og inkassovirksomhed, samt al anden virksomhed, som efter direktionens skøn har forbindelse hermed
Address
Lautrupsgade 11
Email
4finance.denmark@4finance.com
Website
www.4finance.com
Risika for professionals
Risika provides regulated workflow tools for finance, procurement and compliance teams that need monitoring, alerts and an API.
| Item | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | -6.345 | 26.048 | 57.613 | 85.130 | 262.000 | 309.000 | 150.186 | 165.432 | 101.458 | 23.132 | 17.248 | 9.554 | 956 |
| Staff expenses | -1.756 | -4.956 | -6.891 | -9.247 | -13.626 | -13.961 | -19.532 | -19.795 | -16.114 | -12.098 | -6.442 | -3.462 | -1.819 |
| EBITDA | -8.101 | 21.091 | 50.722 | 75.883 | 109.095 | 132.005 | 130.653 | 145.636 | 85.344 | 11.034 | 10.806 | 6.092 | -863 |
| Depreciation & amort. | 93 | -304 | -238 | -221 | -350 | -347 | -329 | -1.901 | -1.933 | -9.478 | -719 | -59 | -4 |
| EBIT | -8.193 | 20.788 | 50.484 | 75.662 | 108.745 | 131.658 | 130.324 | 143.735 | 83.411 | 1.556 | 10.087 | 6.033 | -867 |
| Net financials | -1.412 | -5.923 | -6.547 | -6.887 | -10.834 | -13.323 | -11.975 | -6.412 | -7.092 | -3.396 | -583 | -145 | -97 |
| Profit before tax | -9.605 | 14.864 | 43.936 | 68.775 | 97.911 | 118.334 | 118.349 | 137.323 | 76.319 | -1.840 | 9.505 | 5.888 | -964 |
| Tax | -0 | 1.174 | 10.778 | 16.269 | 21.630 | 26.130 | 26.125 | 30.437 | 17.001 | 124 | 2.143 | 1.180 | 7 |
| Net profit | -9.605 | 13.690 | 33.158 | 52.505 | 76.281 | 92.205 | 92.224 | 106.886 | 59.318 | -1.964 | 7.362 | 4.708 | -971 |
| Item | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | 32.214 | 74.561 | 112.030 | 208.983 | 273.404 | 320.946 | 237.559 | 251.197 | 124.274 | 89.696 | 42.978 | 21.817 | 14.282 |
| Equity | 120 | 13.810 | 46.968 | 66.329 | 142.610 | 152.969 | 129.466 | 79.398 | 63.716 | 61.751 | 31.913 | 8.622 | 2.951 |
| Long-term debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.207 | 0 | 0 | 0 | 0 | 0 |
| Short-term debt | 32.095 | 60.752 | 65.063 | 142.590 | 130.744 | 167.949 | 107.898 | 170.488 | 59.465 | 25.944 | 9.064 | 13.195 | 11.331 |
| Total debt | 32.095 | 60.752 | 65.063 | 142.590 | 130.744 | 167.949 | 107.898 | 171.695 | 59.465 | 25.944 | 9.064 | 13.195 | 11.331 |
EBITDA margin
-90.2%
This company
15.8%
Market median
-671% vs market
20122024
Equity ratio
20.7%
This company
38.2%
Market median
-46% vs market
20122024
Return on equity
-32.9%
This company
18.4%
Market median
-279% vs market
20122024
Net profit margin
-101.6%
This company
8.1%
Market median
-1354% vs market
20122024
Asset turnover
0.07×
This company
1.12×
Market median
-94% vs market
20122024
Debt / equity
3.84×
This company
0.62×
Market median
-519% vs market
20122024
- 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
- Annual report 2012Filed via CVR / Virk · Period 2012-01-01 – 2012-12-31
| Name | Role | Member since | Age | Other directorships |
|---|---|---|---|---|
JD Chief Executive Officer | Chief Executive Officer | 2020 | — | — |
S" Founder | Founder | 2009 | — | — |
PF Management | Management | 2009 | — | — |
KP Chief Executive Officer | Chief Executive Officer | 2024 | — | — |
| Name | Role | Member since | Age | Other directorships |
|---|---|---|---|---|
| Chairman | 2020 | — | — | |
| Board of Directors | 2020 | — | — | |
| Chairman | 2009 | — | — | |
| Board of Directors | 2009 | — | — | |
| Board of Directors | 2009 | — | — |
| Shareholder | Type | Ownership | Votes | Since |
|---|---|---|---|---|
| Individual | 100.0% | 100.0% | 2024 | |
| Individual | 100.0% | 100.0% | 2014 |
Beneficial ownership (UBO) data access is restricted in Denmark as of September 2025 per the EU 6th AML Directive. Learn more.
No registered parent or subsidiaries
Board members of 4FINANCE ApS also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Jesper Dal Thrane | Chief Executive Officer | 0 companies |
| SIA "SMScredit Group" | Founder | 0 companies |
| Peter Flintsø | Management | 0 companies |
| Kieran Patrick Donnelly | Chief Executive Officer | 0 companies |
| Jens-Ole Kyhl Klitgaard | Chairman | 0 companies |
| Anton Metochkin | Board of Directors | 0 companies |
| Alberts Pole | Chairman | 0 companies |
| Märis Keiss | Board of Directors | 0 companies |
| Kristape Ozois | Board of Directors | 0 companies |