Fair Pension ApS
Private limited companyCVR 44998998AalborgActive
Fair Pension ApS is a private limited company, based in Aalborg, active in activities of insurance agents and brokers, founded in 2024. Equity was negative at the end of 2025 (−DKK 300k). The company made a loss in both 2024 and 2025, most recently DKK 315k. The company is new and has been registered for 2 years.
Key figures · financial year 2025
What has changed
calculated from recorded figures and datesFinancials: 2025 against 2024
- Gross profit fell 58% (2024 → 2025), to DKK 50,860.
- The loss grew: from DKK 25,069 to DKK 315k (2024 → 2025).
- Equity turned negative: −DKK 300k (2024 → 2025).
Management and owners, last 24 months
- New owners registered: Kluck holding ApS (28/05/2025).
Registrations, last 24 months
- 23/08/2026: Name changed from Familie Forsikring Danmark ApS to Fair Pension ApS
- 07/08/2025: Moved to Vesterbro 91, 1. tv, 9000 Aalborg
- 01/01/2025: Industry changed to Activities of insurance agents and brokers (662200)
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 2024–2025 · amounts in DKK thousandEquity and net profit
| 2024 | 2025 | Change | |
|---|---|---|---|
| Revenue | not stated | not stated | – |
| Gross profit | 121 | 51 | −58.1% |
| Operating profit (EBIT) | −25 | −311 | −1,142% |
| Profit before tax | −25 | −315 | −1,156.8% |
| Net profit | −25 | −315 | −1,156.8% |
| Total assets | 78 | 85 | +9.3% |
| Equity | 15 | −300 | −2,110.1% |
| Liabilities | 63 | 385 | +513.8% |
| Cash and cash equivalents | 8 | 12 | +55% |
| Average number of employees | 1 | 1 | 0% |
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. Revenue is not stated for 2024, 2025: smaller companies may omit it, and we do not derive it from other figures.
Download the figures as CSV · free with an account, amounts in whole DKK
Signals from the financial statements
calculated from the 2025 figuresNegative equity
Equity was −DKK 300k at the end of 2025.
How is this calculated?
Equity in the latest annual report is below zero.
Loss for 2 years in a row
Net result has been negative in 2024–2025.
How is this calculated?
Net result is negative in the two or more latest annual reports in a row.
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
2 financial years| Financial year | Period | Published | Figures for | Documents |
|---|---|---|---|---|
| 2025 | 01/01/2025 – 31/12/2025 | 30/06/2026 | The company | PDF not statedXBRL |
| 2024 | 31/05/2024 – 31/12/2024 | 01/07/2025 | The company | PDFXBRL |
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 CVRPosition in the industry
142 companies in the databaseComparison with the other companies in activities of insurance agents and brokers based on the latest financial year.
Industry median: gross profit DKK 3.8m, net profit DKK 489k, equity DKK 1.4m, 3 employees.
Compared with similar companies
size, age and company form| Group | Gross profit | Equity |
|---|---|---|
| Companies with fewer than 20 employees69,967 companies in the comparison | No. 61,834of 69,742 Better than 11% | No. 64,599of 69,964 Better than 8% |
| Same industry and fewer than 20 employees108 companies in the comparison | No. 98of 108 Better than 9% | No. 91of 108 Better than 16% |
| Companies that are founded within the last five years16,662 companies in the comparison | No. 14,673of 16,614 Better than 12% | No. 14,940of 16,661 Better than 10% |
| All companies of type ApS66,508 companies in the comparison | No. 59,449of 66,379 Better than 10% | No. 61,009of 66,505 Better than 8% |
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 insurance agents and brokers- Fair Pension ApSDKK 50,860
- Aon Denmark A/SDKK 198.2m
- Marsh A/SDKK 191.6m
- Fair Pension ApS−DKK 315k
- Aon Denmark A/SDKK 8.1m
- Marsh A/SDKK 80.1m
- Fair Pension ApS−DKK 300k
- Aon Denmark A/SDKK 120.6m
- Marsh A/SDKK 85.7m
- Fair Pension ApS2
- Aon Denmark A/S162
- Marsh A/S142
Latest financial year per company. Choose up to three companies from the largest in the industry.
Owners and group
from the Public Ownership Register- Holdingtanken ApS90%
- Kluck holding ApS10%
Management
1 active registrationsExecutive management
| Name | Role | Appointed |
|---|---|---|
| Simon Nygaard Løvstrøm | Director | 31/05/2024 |
- Founders
- Simon Nygaard Løvstrøm
Signing rule: Virksomheden tegnes af direktøren.
Address and production units
1 active production unitsVesterbro 91
9000 Aalborg
| Production unit | Address | Employees | P number |
|---|---|---|---|
| Fair Pension ApS | Vesterbro 91, 1. tv, 9000 Aalborg | 3 | 1030569004 |
Purpose
Virksomhedens formål er forsikringsmæglervirksomhed samt dermed beslægtet virksomhed efter ledelsens skøn
The purpose is quoted from the register in Danish.
Changes year by year
9 registered events20262 changesname 1 · accounts 1
- NameName changed from Familie Forsikring Danmark ApS to Fair Pension ApS
- AccountsAnnual report for 2025 published
20254 changesaddress 1 · accounts 1 · ownership 1 · industry 1
- AddressMoved to Vesterbro 91, 1. tv, 9000 Aalborg
- AccountsAnnual report for 2024 published
- OwnershipKluck holding ApS registered as owner (10%)
- IndustryIndustry changed to Activities of insurance agents and brokers (662200)
20243 changesfounded 1 · management 1 · ownership 1
- FoundedRegistered as Familie Forsikring Danmark ApS
- ManagementSimon Nygaard Løvstrøm appointed director
- OwnershipHoldingtanken ApS registered as owner (90%)
Related companies
Same industry in Aalborg
- Howden Pensionsagentur A/S30 employees
- Simpel Forsikringsmægler ApS5 employees
- Pli ApS3 employees
- Forsikringshuset ApS2 employees
Largest in the industry
- Aon Denmark A/SDKK 198.2m
- Marsh A/SDKK 191.6m
- Apc Forsikringsmæglere A/SDKK 172.8m
- balticfinance Danmark A/SDKK 131.5m
- Howden Forsikringsmægler A/SDKK 74.5m
- Söderberg & Partners Forsikringsmæglere A/SDKK 59m
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. The company is protected against advertising; contact details are not shown, and the data must not be used for marketing.