Howden Realkreditrådgivning ApS
Private limited companyCVR 27077048Kongens LyngbyActive
Howden Realkreditrådgivning ApS is a private limited company, based in Kongens Lyngby, active in other activities auxiliary to financial services, except insurance and pension funding, founded in 2003. The company made a loss in both 2023 and 2025, most recently DKK 2.1m. Equity fell to DKK 7m in 2025. Gross profit is higher than that of 77% of the companies in the industry in the database.
Key figures · financial year 2025
What has changed
calculated from recorded figures and datesEmployees
- 1 fewer employees than a year earlier: 8 (08/2026) against 9 (08/2025).
Registrations, last 24 months
- 01/01/2025: Industry changed to Other activities auxiliary to financial services, except insurance and pension funding (661900)
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 2019–2025 · amounts in DKK thousandEquity and net profit
| 2019 | 2020 | 2021 | 2022 | 2023 | 2025 | Change | |
|---|---|---|---|---|---|---|---|
| Revenue | not stated | not stated | not stated | not stated | not stated | not stated | – |
| Gross profit | 16,014 | 13,545 | 11,976 | 18,642 | 9,500 | 9,984 | +5.1% |
| Operating profit (EBIT) | 12,588 | 9,511 | 7,558 | 8,322 | −997 | −1,815 | −82% |
| Profit before tax | 12,601 | 9,493 | 7,497 | 8,469 | −1,819 | −1,553 | +14.6% |
| Net profit | 9,830 | 7,404 | 5,837 | 6,631 | −2,094 | −2,053 | +2% |
| Total assets | 11,582 | 6,318 | 11,740 | 21,590 | 53,462 | 28,678 | −46.4% |
| Equity | 10,120 | 3,724 | 9,561 | 15,489 | 50,804 | 7,006 | −86.2% |
| Liabilities | 1,463 | 2,407 | 1,651 | 6,059 | 2,325 | 21,272 | +814.9% |
| Cash and cash equivalents | 10,937 | 4,747 | 8,419 | 691 | 376 | 997 | +165.2% |
| Average number of employees | 6 | 5 | 6 | 8 | 11 | 9 | −18.2% |
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 2019, 2020, 2021, 2022, 2023, 2025: smaller companies may omit it, and we do not derive it from other figures. The register has no financial statements for 2024 (changed financial year or not filed).
Download the figures as CSV · free with an account, amounts in whole DKK
Signals from the financial statements
calculated from the 2025 figuresLoss for 2 years in a row
Net result has been negative in 2023–2025.
How is this calculated?
Net result is negative in the two or more latest annual reports in a row.
Equity fell sharply
Equity fell 86% from 2023 to 2025 (DKK 50.8m to DKK 7m).
How is this calculated?
Equity has fallen by at least 30% from the previous annual report, and it was positive the year before.
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| Financial year | Period | Published | Figures for | Documents |
|---|---|---|---|---|
| 2025 | 01/10/2024 – 30/09/2025 | 08/04/2026 | The company | PDF not statedXBRL |
| 2023 | 01/01/2023 – 31/12/2023 | 11/03/2025 | The company | PDFXBRL |
| 2022 | 01/01/2022 – 31/12/2022 | 15/05/2023 | The company | PDFXBRL |
| 2021 | 01/01/2021 – 31/12/2021 | 02/05/2022 | The company | PDFXBRL |
| 2020 | 01/01/2020 – 31/12/2020 | 06/04/2021 | The company | PDFXBRL |
| 2019 | 01/01/2019 – 31/12/2019 | 16/03/2020 | 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
136 companies in the databaseComparison with the other companies in other activities auxiliary to financial services, except insurance and pension funding based on the latest financial year.
Industry median: gross profit DKK 3.2m, net profit DKK 326k, equity DKK 2.7m, 4 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. 4,818of 69,742 Better than 93% | No. 11,467of 69,964 Better than 84% |
| Same industry and fewer than 20 employees112 companies in the comparison | No. 12of 111 Better than 90% | No. 30of 112 Better than 74% |
| Companies that are between 15 and 29 years old24,910 companies in the comparison | No. 5,968of 24,791 Better than 76% | No. 8,172of 24,909 Better than 67% |
| All companies of type ApS66,508 companies in the comparison | No. 6,105of 66,379 Better than 91% | No. 8,880of 66,505 Better than 87% |
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
Other activities auxiliary to financial services, except insurance and pension funding- Howden Realkreditrådgivning ApSDKK 10m
- BEC Financial Technologies a.m.b.a.DKK 2.1bn
- Mastercard Payment Services Denmark A/SDKK 609.7m
- Howden Realkreditrådgivning ApS−DKK 2.1m
- BEC Financial Technologies a.m.b.a.DKK 39.7m
- Mastercard Payment Services Denmark A/SDKK 747m
- Howden Realkreditrådgivning ApSDKK 7m
- BEC Financial Technologies a.m.b.a.DKK 1.4bn
- Mastercard Payment Services Denmark A/SDKK 1.5bn
- Howden Realkreditrådgivning ApS8
- BEC Financial Technologies a.m.b.a.851
- Mastercard Payment Services Denmark A/S276
Latest financial year per company. Choose up to three companies from the largest in the industry.
Owners and group
from the Public Ownership RegisterManagement
4 active registrationsExecutive management
| Name | Role | Appointed |
|---|---|---|
| Martin Riedel | Director | 31/01/2024 |
Board of directors
| Name | Role | Appointed |
|---|---|---|
| Lars Rosenkrantz Gundorph | Chair of the board | 07/05/2021 |
| Johnny Krohn Rasmussen | Board member | 14/02/2022 |
| Carl Anders Holde-Jensen | Board member | 01/09/2023 |
- Founders
- Ib Jakobsen, Michael Bengtsen, Askhøj Holding ApS
Former management (12)
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| Ib Jakobsen | CEO | 24/03/2003 | 02/01/2020 |
| Karsten Hagel | Board member | 16/12/2008 | 04/08/2015 |
| Troels Frandsen Kloster | Board member | 16/12/2008 | 04/08/2015 |
| Michael Bengtsen | Chair of the board | 16/12/2008 | 04/08/2015 |
| Rasmus Juul-Nyholm | Chair of the board | 02/02/2016 | 07/05/2021 |
| Ib Jakobsen | Board member | 02/02/2016 | 23/06/2016 |
| Peder Bay-Jensen | Director | 02/02/2016 | 31/01/2024 |
| Peder Bay-Jensen | Board member | 02/02/2016 | 01/09/2023 |
| Hans Jørgen Whitta-Jacobsen | Board member | 23/06/2016 | 02/01/2020 |
| Erik Dorph Sørensen | Board member | 23/06/2016 | 02/01/2020 |
| Jakob Kristian Langemark | Board member | 02/01/2020 | 07/05/2021 |
| Thomas Kaas Selsø | Board member | 07/05/2021 | 14/02/2022 |
Signing rule: Selskabet tegnes af bestyrelsens formand i forening med et bestyrelsesmedlem eller en direktør, eller af den samlede bestyrelse.
Address and production units
2 active production unitsNørgaardsvej 30
2800 Kongens Lyngby
Lyngby-Taarbæk Municipality · Postcode 2800
Other companies at the address (5)
- CreceaJoblife A/SOther technical consultancy
- Howden Danmark A/SOffice administrative and support activities
- Howden Pensionsmægler ApSActivities of insurance agents and brokers
- Howden Financial Advisory ApSBusiness and other management consultancy activities
- Howden Forsikringsmægler Ejendomme A/SActivities of insurance agents and brokers
| Production unit | Address | Employees | P number |
|---|---|---|---|
| Howden Realkreditrådgivning ApS | Nørgaardsvej 30, 2800 Kongens Lyngby | 7 | 1009773963 |
| Howden Realkreditrådgivning ApS Aalborg | Vandmanden 10A, 9200 Aalborg SV | 1 | 1028939538 |
Purpose
Selskabets formål er rådgivning omkring låneomlægninger med optagelser og indfrielser i fast ejendom samt hermed beslægtede forhold.
The purpose is quoted from the register in Danish.
Changes year by year
84 registered events20261 changeaccounts 1
- AccountsAnnual report for 2025 published
20252 changesaccounts 1 · industry 1
- AccountsAnnual report for 2023 published
- IndustryIndustry changed to Other activities auxiliary to financial services, except insurance and pension funding (661900)
20245 changesaddress 1 · name 1 · merger 1 · management 2
- AddressMoved to Nørgaardsvej 30, 2800 Kongens Lyngby
- NameName changed from North Risk Realkreditrådgivning ApS to Howden Realkreditrådgivning ApS
- MergerMerger registered in CVR
- ManagementMartin Riedel appointed director
- ManagementPeder Bay-Jensen stepped down as director
20234 changesmerger 1 · management 2 · accounts 1
- MergerMerger registered in CVR
- ManagementCarl Anders Holde-Jensen appointed board member
- ManagementPeder Bay-Jensen stepped down as board member
- AccountsAnnual report for 2022 published
20223 changesaccounts 1 · management 2
- AccountsAnnual report for 2021 published
- ManagementJohnny Krohn Rasmussen appointed board member
- ManagementThomas Kaas Selsø stepped down as board member
202111 changesaddress 1 · name 1 · management 4 · ownership 4 · accounts 1
- AddressMoved to Nørgaardsvej 32, 2800 Kongens Lyngby
- NameName changed from STATUS ApS to North Risk Realkreditrådgivning ApS
- ManagementLars Rosenkrantz Gundorph appointed chair of the board
- ManagementThomas Kaas Selsø appointed board member
- ManagementJakob Kristian Langemark stepped down as board member
- ManagementRasmus Juul-Nyholm stepped down as chair of the board
- OwnershipHowden Danmark A/S registered as owner (100%)
- OwnershipLangemark Holding ApS is no longer registered as owner
- OwnershipPGfamilyinvest ApS is no longer registered as owner
- OwnershipEXORNATOR ApS is no longer registered as owner
- AccountsAnnual report for 2020 published
202011 changesownership 6 · accounts 1 · management 4
- OwnershipLangemark Holding ApS registered as owner (15%)
- OwnershipLANGEMARK ApS is no longer registered as owner
- AccountsAnnual report for 2019 published
- ManagementJakob Kristian Langemark appointed board member
- ManagementHans Jørgen Whitta-Jacobsen stepped down as board member
- ManagementErik Dorph Sørensen stepped down as board member
- ManagementIb Jakobsen stepped down as ceo
- OwnershipLANGEMARK ApS registered as owner (15%)
- OwnershipPGfamilyinvest ApS registered as owner (50%)
- OwnershipEXORNATOR ApS registered as owner (25%)
- OwnershipIb Jakobsen Holding ApS is no longer registered as owner
20192 changesownership 2
- OwnershipEXORNATOR ApS is no longer registered as owner
- OwnershipPGfamilyinvest ApS is no longer registered as owner
201619 changesaddress 1 · management 7 · capital 1 · ownership 10
- AddressMoved to Niels Juels Gade 5, 1059 København K
- ManagementHans Jørgen Whitta-Jacobsen appointed board member
- ManagementErik Dorph Sørensen appointed board member
- ManagementIb Jakobsen stepped down as board member
- CapitalShare capital changed from 125,000 DKK to 250,000 DKK
- ManagementPeder Bay-Jensen appointed board member
- ManagementPeder Bay-Jensen appointed director
- ManagementIb Jakobsen appointed board member
- ManagementRasmus Juul-Nyholm appointed chair of the board
- OwnershipEXORNATOR ApS registered as owner (25%)
- OwnershipPGfamilyinvest ApS registered as owner (25%)
- OwnershipIb Jakobsen Holding ApS registered as owner (50%)
- OwnershipIb Jakobsen Holding ApS is no longer registered as owner
- OwnershipPeder Bay-Jensen registered as owner (25%)
- OwnershipPeder Bay-Jensen is no longer registered as owner
- OwnershipRasmus Juul-Nyholm registered as owner (25%)
- OwnershipRasmus Juul-Nyholm is no longer registered as owner
- OwnershipIb Jakobsen registered as owner (50%)
- OwnershipIb Jakobsen is no longer registered as owner
201512 changescapital 2 · ownership 7 · management 3
- CapitalShare capital changed from 208,300 DKK to 125,000 DKK
- OwnershipIb Jakobsen Holding ApS registered as owner (100%)
- OwnershipIb Jakobsen is no longer registered as owner
- CapitalShare capital changed from 125,000 DKK to 208,300 DKK
- ManagementKarsten Hagel stepped down as board member
- ManagementMichael Bengtsen stepped down as chair of the board
- ManagementTroels Frandsen Kloster stepped down as board member
- OwnershipIb Jakobsen registered as owner (100%)
- OwnershipASKHØJ HOLDING ApS is no longer registered as owner
- OwnershipTroels Frandsen Kloster is no longer registered as owner
- OwnershipIb Jakobsen is no longer registered as owner
- OwnershipMichael Bengtsen is no longer registered as owner
20091 changeaddress 1
- AddressMoved to Vestergade 6, 1, 1456 København K
20086 changesmanagement 3 · ownership 2 · industry 1
- ManagementKarsten Hagel appointed board member
- ManagementMichael Bengtsen appointed chair of the board
- ManagementTroels Frandsen Kloster appointed board member
- OwnershipASKHØJ HOLDING ApS registered as owner (25%)
- OwnershipTroels Frandsen Kloster registered as owner (5%)
- IndustryIndustry changed to Other activities auxiliary to financial services, except insurance and pension funding (661900)
20061 changeindustry 1
- IndustryIndustry changed to Anden servicevirksomhed i forbindelse med pengeinstitutter og finansieringsvirksomhed (671300)
20051 changeaddress 1
- AddressMoved to Store Kongensgade 128, 1, 1264 København K
20035 changesindustry 1 · founded 1 · management 1 · ownership 2
- IndustryIndustry changed to Anden virksomhedsrådgivning (741490)
- FoundedRegistered as STATUS ApS
- ManagementIb Jakobsen appointed ceo
- OwnershipIb Jakobsen registered as owner (33.33%)
- OwnershipMichael Bengtsen registered as owner (33.33%)
Related companies
Same industry in Lyngby-Taarbæk
- Market Pay Nordic & Baltic ApS32 employees
- Alternative Equity Partners A/S20 employees
- Uvildigraad.dk ApS2 employees
Same people in management
- Falck Healthcare A/Svia Lars Rosenkrantz Gundorph
- INNA Danmark A/Svia Rasmus Juul-Nyholm
- Flt 100 Kbh ApSvia Jakob Kristian Langemark
- Nch South ApSvia Rasmus Juul-Nyholm
- Howden Forsikringsmægler A/Svia Carl Anders Holde-Jensen
- Msch Copenhagen A/Svia Thomas Kaas Selsø
Largest in the industry
- BEC Financial Technologies a.m.b.a.DKK 2.1bn
- Mastercard Payment Services Denmark A/SDKK 609.7m
- VP Securities A/SDKK 534.2m
- Pleo Financial Services A/SDKK 259m
- Framm ApSDKK 131.9m
- Scalepoint Technologies Denmark A/SDKK 107.5m
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.