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Fjord Forsikringsformidling ApS

Private limited companyCVR 45786471HorsensActive

Fjord Forsikringsformidling ApS is a private limited company, based in Horsens, active in activities of insurance agents and brokers, founded in 2025. Equity was negative at the end of 2025 (−DKK 75,725). The company is new and has been registered for 1 years. The latest net result (2025) was a loss of DKK 95,725.

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Key figures · financial year 2025

Gross profit−DKK 91,394
Net profit−DKK 95,725
Equity−DKK 75,725
Employees3latest month from CVR

What has changed

calculated from recorded figures and dates

Management and owners, last 24 months

  • New in management: Phillip Pham (director, 01/01/2026), Rasmus Korsgaard Aspestrand (director, 02/02/2026) and Ali Al-Ghazi (director, 21/03/2025) (+1).
  • Stepped down: Ali Al-Ghazi (director, 14/08/2025) and Rasmus Korsgaard Aspestrand (ceo, 01/02/2026).
  • New owners registered: Aspestrand Holding ApS (14/08/2025), Phillip Pham (01/01/2026) and Oliver Christian Kej (01/01/2026) (+2).
  • No longer registered as owner: Aspestrand Holding ApS (13/08/2025) and Ghazi Holding ApS (14/08/2025).

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 2025–2025 · amounts in DKK thousand
Financial figures for Fjord Forsikringsformidling ApS
2025Change
Revenuenot stated–
Gross profit−91–
Net profit−96–
Total assets20–
Equity−76–
Liabilities96–
Cash and cash equivalents20–
Average number of employees0–

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 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 figures

  • Negative equity

    Equity was −DKK 75,725 at the end of 2025.

    How is this calculated?

    Equity in the latest annual report is below zero.

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

1 financial years
Annual reports for Fjord Forsikringsformidling ApS
Financial yearPeriodPublishedFigures forDocuments
202521/03/2025 – 31/12/202525/06/2026The companyPDF not statedXBRL

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.

Position in the industry

142 companies in the database

Comparison with the other companies in activities of insurance agents and brokers based on the latest financial year.

Gross profit−DKK 91,394No. 129 of 140
Better than 8% of the companies in the industry
Equity−DKK 75,725No. 117 of 142
Better than 18% of the companies in the industry
Number of employees3No. 126 of 142
Better than 11% of the companies in the industry

Industry median: gross profit DKK 3.8m, net profit DKK 489k, equity DKK 1.4m, 3 employees.

DKK 100kDKK 667kDKK 4.5mDKK 29.7mDKK 105.3m
Distribution of gross profit for 127 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 fewer than 20 employees69,967 companies in the comparison
No. 65,830of 69,742
Better than 6%
No. 61,905of 69,964
Better than 12%
Same industry and fewer than 20 employees108 companies in the comparison
No. 100of 108
Better than 7%
No. 86of 108
Better than 21%
Companies that are founded within the last five years16,662 companies in the comparison
No. 15,668of 16,614
Better than 6%
No. 13,837of 16,661
Better than 17%
All companies of type ApS66,508 companies in the comparison
No. 63,208of 66,379
Better than 5%
No. 58,246of 66,505
Better than 12%

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
Gross profit
  1. Fjord Forsikringsformidling ApS−DKK 91,394
  2. Aon Denmark A/SDKK 198.2m
  3. Marsh A/SDKK 191.6m
Net profit
  1. Fjord Forsikringsformidling ApS−DKK 95,725
  2. Aon Denmark A/SDKK 8.1m
  3. Marsh A/SDKK 80.1m
Equity
  1. Fjord Forsikringsformidling ApS−DKK 75,725
  2. Aon Denmark A/SDKK 120.6m
  3. Marsh A/SDKK 85.7m
Employees
  1. Fjord Forsikringsformidling ApS3
  2. Aon Denmark A/S162
  3. 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
Owners
  • Aspestrand Holding ApS33.33%
  • Phillip Pham33.33%
  • Oliver Christian Kej25% · 33.33% votes
Fjord Forsikringsformidling ApS

Management

2 active registrations

Executive management

Executive management at Fjord Forsikringsformidling ApS
NameRoleAppointed
Phillip PhamDirector01/01/2026
Rasmus Korsgaard AspestrandDirector02/02/2026
Founders
Aspestrand Holding ApS, Ghazi Holding ApS
Former management (2)
Former management at Fjord Forsikringsformidling ApS
NameRoleAppointedResigned
Ali Al-GhaziDirector21/03/202514/08/2025
Rasmus Korsgaard AspestrandCEO21/03/202501/02/2026

Signing rule: Selskabet tegnes af en direktør alene

Address and production units

1 active production units

Nørrestrandsgade 72
8700 Horsens

Horsens Municipality · Postcode 8700

Production units
Production unitAddressEmployeesP number
Fjord Forsikringsformidling ApSNørrestrandsgade 72, 8700 Horsens31031551435

Purpose

Selskabets formål er at udøve virksomhed med handel og service samt aktiviteter i tilknytning til dette.

The purpose is quoted from the register in Danish.

Changes year by year

15 registered events
20266 changesaccounts 1 · management 3 · ownership 2
  • Annual report for 2025 published
  • Rasmus Korsgaard Aspestrand appointed director
  • Rasmus Korsgaard Aspestrand stepped down as ceo
  • Phillip Pham appointed director
  • Phillip Pham registered as owner (33.33%)
  • Oliver Christian Kej registered as owner (25%)
20259 changesmanagement 3 · ownership 5 · founded 1
  • Ali Al-Ghazi stepped down as director
  • Aspestrand Holding ApS registered as owner (33.33%)
  • Ghazi Holding ApS is no longer registered as owner
  • Aspestrand Holding ApS is no longer registered as owner
  • Registered as Fjord Forsikringsformidling ApS
  • Ali Al-Ghazi appointed director
  • Rasmus Korsgaard Aspestrand appointed ceo
  • Aspestrand Holding ApS registered as owner (50%)
  • Ghazi Holding ApS registered as owner (50%)

Related companies

Same industry in Horsens

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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.

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