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Al Finans A/S

Public limited companyCVR 31433428København SVActive

Al Finans A/S is a public limited company, based in København SV, active in activities of other credit companies, founded in 1935. The company went from a profit in 2024 to a loss of DKK 81.7m in 2025. Measured by gross profit, it ranks no. 4 of 24 companies in the industry in the database. With 82 employees, the company is about 9 times larger than the industry median.

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Key figures · financial year 2025

RevenueDKK 433.7m−17.1% vs. 2024
Net profit−DKK 81.7m−491.5% vs. 2024
EquityDKK 301.7m−21.3% vs. 2024
Employees82latest month from CVR

What has changed

calculated from recorded figures and dates

Financials: 2025 against 2024

  • Gross profit rose 2% (2024 → 2025), to DKK 199.5m.
  • Revenue fell 17% (2024 → 2025), to DKK 433.7m.
  • Net profit went from a profit of DKK 20.9m to a loss of DKK 81.7m (2024 → 2025).
  • Equity fell 21% (2024 → 2025), to DKK 301.7m.

Employees

  • 6 fewer employees than a year earlier: 82 (08/2026) against 88 (08/2025).

Management and owners, last 24 months

  • New in management: Jan Walther Andersen (board member, 18/11/2025), Johan Ploug Aagaard (ceo, 27/02/2026) and Svend Randers (chair of the board, 29/09/2026) (+3).
  • Stepped down: Svend Randers (deputy chair, 17/11/2025), Frank Finne Mortensen (board member, 17/11/2025) and Jan Walther Andersen (chair of the board, 17/11/2025) (+6).
  • New owners registered: AL Sydbank A/S (05/12/2025).
  • No longer registered as owner: Aktieselskabet Arbejdernes Landsbank (05/12/2025).

Registrations, last 24 months

  • 24/04/2026: Moved to Sluseholmen 3, 2450 København SV
  • 15/09/2025: Moved to Sluseholmen 3, 4, 2450 København SV
  • 01/01/2025: Industry changed to Activities of other credit companies (649230)

Calculated from the latest two annual reports in sequence and from registrations in CVR. A figure that is missing in either year gives no line, and we derive no figures.

Financial statements

Financial years 2020–2025 · amounts in DKK thousand

Equity and net profit

−DKK 100mDKK 0DKK 100mDKK 200mDKK 300mDKK 400m202020212022202320242025
EquityNet profit
Financial figures for Al Finans A/S
202020212022202320242025Change
Revenue220,038231,704288,332483,623523,199433,657−17.1%
Gross profit155,050166,648188,379197,342195,671199,546+2%
Operating profit (EBIT)44,42856,60784,30196,10489,24591,228+2.2%
Profit before tax31,67848,81274,401−5,33655,818−92,797−266.2%
Net profit22,15835,41460,627−41,51020,878−81,732−491.5%
Total assets5,980,6436,933,2638,095,4898,472,3379,019,0648,812,402−2.3%
Equity307,998343,411404,039362,529383,407301,674−21.3%
Liabilities5,668,2966,585,0757,686,3248,044,7748,580,2758,506,904−0.9%
Cash and cash equivalents16,5138,09014,51723,11313,16729,236+122%
Average number of employees859190868385+2.4%

Source: annual reports filed with the Danish Business Authority (XBRL). Figures for the company (not the group); change is the latest year against the year before. “–” means the figure is not stated in the annual report.

Download the figures as CSV · free with an account, amounts in whole DKK

DKK 0DKK 20mDKK 40mDKK 60mDKK 80mDKK 100mDKK 120mDKK 140mDKK 160mDKK 180mDKK 200m202020212022202320242025
Gross profitMedian, the industry (24 companies)

Signals from the financial statements

calculated from the 2025 figures

  • Low equity ratio

    Equity makes up 3% of total assets in 2025.

    How is this calculated?

    Equity ÷ total assets is below 10% in the latest annual report. Banks, insurers and some industries naturally have a low ratio.

The signals are rules applied to the figures in the annual reports. They are not an assessment or credit rating of the company. See Data and method.

Annual reports

6 financial years
Annual reports for Al Finans A/S
Financial yearPeriodPublishedFigures forDocuments
202501/01/2025 – 31/12/202505/03/2026The companyPDF not statedXBRL
202401/01/2024 – 31/12/202426/02/2025The companyPDFXBRL
202301/01/2023 – 31/12/202314/03/2024The companyPDFXBRL
202201/01/2022 – 31/12/202221/03/2023The companyPDFXBRL
202101/01/2021 – 31/12/202115/03/2022The companyPDFXBRL
202001/01/2020 – 31/12/202008/03/2021The companyPDFXBRL

The figures from all the annual reports are shown on this page. The documents themselves (PDF and XBRL, the machine-readable edition) are downloaded with a Pro account: sign in or create a free account, and then choose Pro. XBRL is the edition the figures on the page are read from.

Employees

monthly figures from CVR
02040608010009/2310/2311/2312/2301/2402/2403/2404/2405/2406/2407/2408/2409/2410/2411/2412/2401/2502/2503/2504/2505/2506/2507/2508/2509/2510/2511/2512/2501/2602/2603/2604/2605/2606/2607/2608/26
Employees

Position in the industry

24 companies in the database

Comparison with the other companies in activities of other credit companies based on the latest financial year.

Gross profitDKK 199.5mNo. 4 of 24
Better than 87% of the companies in the industry
EquityDKK 301.7mNo. 6 of 24
Better than 78% of the companies in the industry
Number of employees82No. 3 of 24
Better than 91% of the companies in the industry

Industry median: gross profit DKK 16.9m, net profit DKK 1.5m, equity DKK 12.2m, 9 employees.

DKK 433kDKK 3.4mDKK 26.6mDKK 208mDKK 820mHere
Distribution of gross profit for 22 companies in the industry (latest financial year, logarithmic scale). Amber bar: where this company sits.

Compared with similar companies

size, age and company form
Rank among similar companies
GroupGross profitEquity
Companies with 50–199 employees4,467 companies in the comparison
No. 181of 4,412
Better than 96%
No. 235of 4,466
Better than 95%
Companies that are at least 30 years old10,276 companies in the comparison
No. 437of 10,152
Better than 96%
No. 561of 10,275
Better than 95%
All companies of type A/S18,025 companies in the comparison
No. 785of 17,786
Better than 96%
No. 1,051of 18,024
Better than 94%

The rank is calculated among companies in the database with a figure for the latest financial year, and is shown only for groups of at least ten companies.

Compare with the industry

Activities of other credit companies
Gross profit
  1. Al Finans A/SDKK 199.5m
  2. Volkswagen Semler Finans Danmark A/SDKK 1.6bn
  3. Mercedes-benz Finans Danmark A/SDKK 572m
Net profit
  1. Al Finans A/S−DKK 81.7m
  2. Volkswagen Semler Finans Danmark A/SDKK 192.3m
  3. Mercedes-benz Finans Danmark A/SDKK 98m
Equity
  1. Al Finans A/SDKK 301.7m
  2. Volkswagen Semler Finans Danmark A/SDKK 1.6bn
  3. Mercedes-benz Finans Danmark A/SDKK 439.6m
Employees
  1. Al Finans A/S82
  2. Volkswagen Semler Finans Danmark A/S129
  3. Mercedes-benz Finans Danmark A/S21

Latest financial year per company. Choose up to three companies from the largest in the industry.

Owners and group

from the Public Ownership Register
Owners
Al Finans A/S

Management

4 active registrations

Executive management

Executive management at Al Finans A/S
NameRoleAppointed
Johan Ploug AagaardCEO27/02/2026

Board of directors

Board of directors at Al Finans A/S
NameRoleAppointed
Bjørn Bøje JensenBoard member24/02/2023
Jan Walther AndersenBoard member18/11/2025
Svend RandersChair of the board29/09/2026
Former management (29)
Former management at Al Finans A/S
NameRoleAppointedResigned
Lars Helt HaahrDirector09/02/193524/05/2013
Svend Ulrik NibeliusBoard member09/02/193514/07/1989
Poul Erik LethBoard member09/02/193507/02/2006
Ernst MidtgaardBoard member09/02/193508/02/2005
Anton Schmidt JohannsenBoard member09/02/193524/02/2000
Kristian ØstergaardBoard member09/02/193521/09/2010
Georg Viggo PoulsenBoard member09/02/193517/08/1993
Poul Erik Skov ChristensenBoard member24/02/200021/09/2010
Kjeld Gosvig-JensenBoard member07/02/200630/06/2018
Lasse Kiær NielsenBoard member22/04/200924/05/2013
Jan Walther AndersenBoard member21/09/201024/02/2022
Gert Rinaldo JonassenChair of the board21/09/201025/02/2022
Svend RandersDirector01/01/201309/11/2015
Henrik LundDirector09/11/201508/10/2024
Svend RandersBoard member16/02/201625/02/2020
Jesper Kaltoft KarlsenBoard member16/02/201626/02/2020
Svend RandersDeputy chair26/02/202017/11/2025
Signe Thustrup KreinerBoard member26/02/202002/11/2020
Jensmartin Bendi FrandsenBoard member02/11/202024/02/2023
Frank Finne MortensenBoard member06/12/202117/11/2025
Simon Sinding JørgensenBoard member06/12/202126/02/2024
Jan Walther AndersenChair of the board25/02/202217/11/2025
Gry Bandholm Anker-MøllerBoard member24/02/202310/02/2026
Torben Andre PetersenBoard member24/02/202326/02/2024
Henrik LundCEO09/10/202427/02/2026
Johan Ploug AagaardDirector09/10/202426/02/2026
Frank Finne MortensenDeputy chair18/11/202510/02/2026
Svend RandersChair of the board18/11/202510/02/2026
Jørn Adam MøllerChair of the board10/02/202629/09/2026

Signing rule: Selskabet tegnes af to medlemmer af bestyrelsen i forening, eller af en direktør i forening med et bestyrelsesmedlem.

Address and production units

1 active production units

Sluseholmen 3
2450 København SV

København Municipality · Postcode 2450

Production units
Production unitAddressEmployeesP number
Al Finans A/SSluseholmen 3, 2450 København SV821001675486

Purpose

Selskabets formål er at drive finansiel virksomhed og tilbyde finansielle serviceydelser og anden dermed i forbindelse stående virksomhed.

The purpose is quoted from the register in Danish.

Changes year by year

87 registered events
202611 changesmanagement 9 · address 1 · accounts 1
  • Svend Randers appointed chair of the board
  • Jørn Adam Møller stepped down as chair of the board
  • Moved to Sluseholmen 3, 2450 København SV
  • Annual report for 2025 published
  • Johan Ploug Aagaard appointed ceo
  • Henrik Lund stepped down as ceo
  • Johan Ploug Aagaard stepped down as director
  • Jørn Adam Møller appointed chair of the board
  • Frank Finne Mortensen stepped down as deputy chair
  • Svend Randers stepped down as chair of the board
  • Gry Bandholm Anker-Møller stepped down as board member
202511 changesownership 2 · management 6 · address 1 · accounts 1 · industry 1
  • AL Sydbank A/S registered as owner (100%)
  • AKTIESELSKABET ARBEJDERNES LANDSBANK is no longer registered as owner
  • Frank Finne Mortensen appointed deputy chair
  • Jan Walther Andersen appointed board member
  • Svend Randers appointed chair of the board
  • Jan Walther Andersen stepped down as chair of the board
  • Frank Finne Mortensen stepped down as board member
  • Svend Randers stepped down as deputy chair
  • Moved to Sluseholmen 3, 4, 2450 København SV
  • Annual report for 2024 published
  • Industry changed to Activities of other credit companies (649230)
20246 changesmanagement 5 · accounts 1
  • Johan Ploug Aagaard appointed director
  • Henrik Lund appointed ceo
  • Henrik Lund stepped down as director
  • Annual report for 2023 published
  • Torben Andre Petersen stepped down as board member
  • Simon Sinding Jørgensen stepped down as board member
20235 changesaccounts 1 · management 4
  • Annual report for 2022 published
  • Gry Bandholm Anker-Møller appointed board member
  • Bjørn Bøje Jensen appointed board member
  • Torben Andre Petersen appointed board member
  • Jensmartin Bendi Frandsen stepped down as board member
20224 changesaccounts 1 · management 3
  • Annual report for 2021 published
  • Jan Walther Andersen appointed chair of the board
  • Gert Rinaldo Jonassen stepped down as chair of the board
  • Jan Walther Andersen stepped down as board member
20213 changesmanagement 2 · accounts 1
  • Frank Finne Mortensen appointed board member
  • Simon Sinding Jørgensen appointed board member
  • Annual report for 2020 published
20206 changesmanagement 6
  • Jensmartin Bendi Frandsen appointed board member
  • Signe Thustrup Kreiner stepped down as board member
  • Svend Randers appointed deputy chair
  • Signe Thustrup Kreiner appointed board member
  • Jesper Kaltoft Karlsen stepped down as board member
  • Svend Randers stepped down as board member
20182 changesmanagement 1 · industry 1
  • Kjeld Gosvig-Jensen stepped down as board member
  • Industry changed to Activities of other credit companies (649230)
20162 changesmanagement 2
  • Svend Randers appointed board member
  • Jesper Kaltoft Karlsen appointed board member
20152 changesmanagement 2
  • Henrik Lund appointed director
  • Svend Randers stepped down as director
20135 changesaddress 2 · management 3
  • Moved to Sluseholmen 2, 1. th, 2450 København SV
  • Moved to Sluseholmen 2, 2, 2450 København SV
  • Lasse Kiær Nielsen stepped down as board member
  • Lars Helt Haahr stepped down as director
  • Svend Randers appointed director
20104 changesmanagement 4
  • Gert Rinaldo Jonassen appointed chair of the board
  • Jan Walther Andersen appointed board member
  • Poul Erik Skov Christensen stepped down as board member
  • Kristian Østergaard stepped down as board member
20091 changemanagement 1
  • Lasse Kiær Nielsen appointed board member
20081 changeindustry 1
  • Industry changed to Anden finansiel formidling undtagen forsikring og pensionsforsikring, i.a.n. (649900)
20063 changesmanagement 2 · industry 1
  • Kjeld Gosvig-Jensen appointed board member
  • Poul Erik Leth stepped down as board member
  • Industry changed to Andre kreditinstitutter (652240)
20051 changemanagement 1
  • Ernst Midtgaard stepped down as board member
20033 changesindustry 1 · address 1 · merger 1
  • Industry changed to Finansiel leasing (652100)
  • Moved to Edithsvej 2A, 2600 Glostrup
  • Merger registered in CVR
20003 changesindustry 1 · management 2
  • Industry changed to Finansieringsvirksomhed i øvrigt (652395)
  • Poul Erik Skov Christensen appointed board member
  • Anton Schmidt Johannsen stepped down as board member
19931 changemanagement 1
  • Georg Viggo Poulsen stepped down as board member
19901 changename 1
  • Name changed from ALFINA FINANSIERINGSAKTIESELSKAB to Al Finans A/S
19892 changesmanagement 1 · capital 1
  • Svend Ulrik Nibelius stepped down as board member
  • Share capital changed from 1,000,000 DKK to 6,000,000 DKK
19861 changeownership 1
  • AKTIESELSKABET ARBEJDERNES LANDSBANK registered as owner (100%)
19641 changename 1
  • Name changed from AL FINANS A/S to ALFINA FINANSIERINGSAKTIESELSKAB
19358 changesfounded 1 · management 7
  • Registered as AL FINANS A/S
  • Lars Helt Haahr appointed director
  • Georg Viggo Poulsen appointed board member
  • Kristian Østergaard appointed board member
  • Anton Schmidt Johannsen appointed board member
  • Ernst Midtgaard appointed board member
  • Poul Erik Leth appointed board member
  • Svend Ulrik Nibelius appointed board member

Related companies

Same people in management

Source and updates

The information comes from the Danish Central Business Register (Danish Business Authority) and from annual reports filed with the Danish Business Authority. Last synchronised 24/10/2026.

View in CVRReport a correction