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Svea Kredit ApS

Private limited companyCVR 40508279Kongens LyngbyActive

Svea Kredit ApS is a private limited company, based in Kongens Lyngby, active in activities of other credit companies, founded in 2019. The company made a loss in both 2024 and 2025, most recently DKK 5.9m. Equity grew to DKK 401k in 2025. 3 other companies in the database are registered at the same address.

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Key figures · financial year 2025

Gross profitDKK 904k−36.1% vs. 2024
Net profit−DKK 5.9m−90.8% vs. 2024
EquityDKK 401k+470.2% vs. 2024
Employees5latest month from CVR

What has changed

calculated from recorded figures and dates

Financials: 2025 against 2024

  • Gross profit fell 36% (2024 → 2025), to DKK 904k.
  • The loss grew: from DKK 3.1m to DKK 5.9m (2024 → 2025).
  • Equity rose 470% (2024 → 2025), to DKK 401k.

Management and owners, last 24 months

  • New in management: Klara Helena Bäckström (board member, 21/04/2026).
  • Stepped down: Mats Anders Kärsrud (board member, 21/04/2026).

Registrations, last 24 months

  • 22/12/2025: Share capital changed from 1,069,417 DKK to 1,070,417 DKK
  • 17/06/2025: Moved to Gammel Lundtoftevej 1E, 2800 Kongens Lyngby
  • 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 12m−DKK 10m−DKK 8m−DKK 6m−DKK 4m−DKK 2mDKK 0DKK 2m202020212022202320242025
EquityNet profit
Financial figures for Svea Kredit ApS
202020212022202320242025Change
Revenuenot statednot statednot statednot statednot statednot stated–
Gross profit−407−7691,389−5571,416904−36.1%
Operating profit (EBIT)–−2,339−1,126−2,919−1,099−3,092−181.3%
Profit before tax−412−2,726−3,818−7,413−4,439−5,894−32.8%
Net profit−317−2,821−3,818−7,413−3,089−5,894−90.8%
Total assets3,03617,45341,88249,30045,26473,624+62.7%
Equity2,89777−3,741−11,15470401+470.2%
Liabilities13917,37745,62360,45445,19473,223+62%
Cash and cash equivalents2,1941,2715871451,138858−24.6%
Average number of employees–444440%

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 2020, 2021, 2022, 2023, 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

−DKK 2mDKK 0DKK 2mDKK 4mDKK 6mDKK 8mDKK 10mDKK 12mDKK 14mDKK 16mDKK 18m202020212022202320242025
Gross profitMedian, the industry (24 companies)

Signals from the financial statements

calculated from the 2025 figures

  • Loss for 6 years in a row

    Net result has been negative in 2020–2025.

    How is this calculated?

    Net result is negative in the two or more latest annual reports in a row.

  • Low equity ratio

    Equity makes up 1% 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 Svea Kredit ApS
Financial yearPeriodPublishedFigures forDocuments
202501/01/2025 – 31/12/202519/02/2026The companyPDF not statedXBRL
202401/01/2024 – 31/12/202418/02/2025The companyPDFXBRL
202301/01/2023 – 31/12/202311/07/2024The companyPDFXBRL
202201/01/2022 – 31/12/202230/06/2023The companyPDFXBRL
202101/01/2021 – 31/12/202130/06/2022The companyPDFXBRL
202001/01/2020 – 31/12/202007/06/2021The 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
024681008/2309/2310/2311/2312/2301/2402/2403/2404/2405/2406/2407/2408/2409/2410/2411/2412/2401/2502/2503/2504/2505/2506/2507/2508/2509/2510/2511/2512/2501/2602/2603/2604/2605/2606/2607/26
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 904kNo. 21 of 24
Better than 13% of the companies in the industry
EquityDKK 401kNo. 20 of 24
Better than 17% of the companies in the industry
Number of employees5No. 15 of 24
Better than 39% 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 fewer than 20 employees69,967 companies in the comparison
No. 46,534of 69,742
Better than 33%
No. 44,489of 69,964
Better than 36%
Same industry and fewer than 20 employees15 companies in the comparison
No. 12of 15
Better than 21%
No. 11of 15
Better than 29%
Companies that are between 5 and 14 years old33,688 companies in the comparison
No. 24,124of 33,588
Better than 28%
No. 21,073of 33,687
Better than 37%
All companies of type ApS66,508 companies in the comparison
No. 44,798of 66,379
Better than 33%
No. 40,405of 66,505
Better than 39%

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. Svea Kredit ApSDKK 904k
  2. Volkswagen Semler Finans Danmark A/SDKK 1.6bn
  3. Mercedes-benz Finans Danmark A/SDKK 572m
Net profit
  1. Svea Kredit ApS−DKK 5.9m
  2. Volkswagen Semler Finans Danmark A/SDKK 192.3m
  3. Mercedes-benz Finans Danmark A/SDKK 98m
Equity
  1. Svea Kredit ApSDKK 401k
  2. Volkswagen Semler Finans Danmark A/SDKK 1.6bn
  3. Mercedes-benz Finans Danmark A/SDKK 439.6m
Employees
  1. Svea Kredit ApS5
  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
  • Svea Bank AB100%
Svea Kredit ApS

Management

4 active registrations

Executive management

Executive management at Svea Kredit ApS
NameRoleAppointed
Steen BundgaardCEO04/07/2024

Board of directors

Board of directors at Svea Kredit ApS
NameRoleAppointed
Gôsta Lennart ÅgrenChair of the board04/07/2024
Olav GrøndahlBoard member04/07/2024
Klara Helena BäckströmBoard member21/04/2026
Founders
Pugnant Holding ApS, Top Robin Holding ApS
Former management (9)
Former management at Svea Kredit ApS
NameRoleAppointedResigned
Henrik FrederiksenCEO02/05/201904/07/2024
Søren MøntegaardBoard member15/09/202029/06/2023
Gitte Møller ZøllerBoard member15/09/202029/06/2023
Henrik FrederiksenBoard member15/09/202004/07/2024
Rasmus Nordestgaard JensenBoard member15/09/202004/07/2024
Lars FejerChair of the board15/09/202004/07/2024
Henrik SparupBoard member15/09/202004/07/2024
Philippe Mølleskov NielsenBoard member15/09/202004/07/2024
Mats Anders KärsrudBoard member04/07/202421/04/2026

Signing rule: Selskabet tegnes af en direktør eller af to bestyrelsesmedlemmer i forening.

Address and production units

1 active production units

Gammel Lundtoftevej 1E
2800 Kongens Lyngby

Lyngby-Taarbæk Municipality · Postcode 2800

Other companies at the address (3)

Production units
Production unitAddressEmployeesP number
Svea Kredit ApSGammel Lundtoftevej 1E, 2800 Kongens Lyngby51024691736

Purpose

Selskabets formål er at drive virksomhed med kreditgivning til privatpersoner og virksomheder, transport til juridiske personer og andre tredjemænd af lån ydet til privatpersoner og øvrige.

The purpose is quoted from the register in Danish.

Changes year by year

65 registered events
20263 changesmanagement 2 · accounts 1
  • Klara Helena Bäckström appointed board member
  • Mats Anders Kärsrud stepped down as board member
  • Annual report for 2025 published
20254 changescapital 1 · address 1 · accounts 1 · industry 1
  • Share capital changed from 1,069,417 DKK to 1,070,417 DKK
  • Moved to Gammel Lundtoftevej 1E, 2800 Kongens Lyngby
  • Annual report for 2024 published
  • Industry changed to Activities of other credit companies (649230)
202419 changesname 1 · accounts 1 · management 10 · ownership 7
  • Name changed from Unilån ApS to Svea Kredit ApS
  • Annual report for 2023 published
  • Mats Anders Kärsrud appointed board member
  • Steen Bundgaard appointed ceo
  • Gôsta Lennart Ågren appointed chair of the board
  • Olav Grøndahl appointed board member
  • Lars Fejer stepped down as chair of the board
  • Philippe Mølleskov Nielsen stepped down as board member
  • Henrik Sparup stepped down as board member
  • Henrik Frederiksen stepped down as board member
  • Rasmus Nordestgaard Jensen stepped down as board member
  • Henrik Frederiksen stepped down as ceo
  • Svea Bank AB registered as owner (100%)
  • Pugnant Holding ApS is no longer registered as owner
  • Top Robin Holding ApS is no longer registered as owner
  • LFGEC ApS is no longer registered as owner
  • SPARUP HOLDING ApS is no longer registered as owner
  • Tubiga ApS is no longer registered as owner
  • SMGA Holding ApS is no longer registered as owner
20234 changesaccounts 1 · management 2 · address 1
  • Annual report for 2022 published
  • Søren Møntegaard stepped down as board member
  • Gitte Møller Zøller stepped down as board member
  • Moved to Algade 34, 1. th, 4000 Roskilde
20222 changesaddress 1 · accounts 1
  • Moved to Algade 5, 2, 4000 Roskilde
  • Annual report for 2021 published
20217 changesaddress 2 · accounts 1 · ownership 4
  • Moved to Allehelgensgade 3, 4000 Roskilde
  • Annual report for 2020 published
  • Pugnant Holding ApS registered as owner (15%)
  • Pugnant Holding ApS is no longer registered as owner
  • Top Robin Holding ApS registered as owner (15%)
  • Top Robin Holding ApS is no longer registered as owner
  • Moved to Allehelgensgade 3, 4000 Roskilde
202022 changesownership 8 · capital 4 · management 7 · name 1 · industry 1 · address 1
  • LFGEC ApS registered as owner (5%)
  • Lars Fejer is no longer registered as owner
  • Share capital changed from 596,200 DKK to 1,069,417 DKK
  • Lars Fejer appointed chair of the board
  • Philippe Mølleskov Nielsen appointed board member
  • Henrik Sparup appointed board member
  • Søren Møntegaard appointed board member
  • Gitte Møller Zøller appointed board member
  • Henrik Frederiksen appointed board member
  • Rasmus Nordestgaard Jensen appointed board member
  • SPARUP HOLDING ApS registered as owner (15%)
  • Lars Fejer registered as owner (5%)
  • Tubiga ApS registered as owner (15%)
  • Share capital changed from 376,000 DKK to 596,200 DKK
  • Zøller Holding IVS is no longer registered as owner
  • Share capital changed from 200,000 DKK to 376,000 DKK
  • Name changed from Mobillån.dk ApS to Unilån ApS
  • Share capital changed from 50,000 DKK to 200,000 DKK
  • SMGA Holding ApS registered as owner (10%)
  • Zøller Holding IVS registered as owner (0%)
  • Industry changed to Activities of other credit companies (649230)
  • Moved to Fjordager 14, Gevninge, 4000 Roskilde
20194 changesfounded 1 · management 1 · ownership 2
  • Registered as Mobillån.dk ApS
  • Henrik Frederiksen appointed ceo
  • Pugnant Holding ApS registered as owner (20%)
  • Top Robin Holding ApS registered as owner (20%)

Related companies

Same industry in Lyngby-Taarbæk

See all →

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. The company is protected against advertising; contact details are not shown, and the data must not be used for marketing.

View in CVRReport a correction