Andelskassen Fælleskassen Due Diligence

Run due diligence on Andelskassen Fælleskassen: check compliance and get alerts when suppliers or ownership change.

Denmark · owned by Independent (Denmark) · faelleskassen.dk · 16 vendors

Andelskassen Fælleskassen is a customer-owned cooperative bank founded in 1985 based on sustainable economics, community, and solidarity principles. The bank focuses on green and socially responsible banking, offering traditional banking services while prioritizing values and community impact over profit maximization.

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Last updated 2026-09-13 · revision 6

15 direct vendors, 124 subvendors

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Financials

Three-year financials

Financial Resilience Score: 8/10

Andelskassen Fælleskassen demonstrates exceptional financial resilience for a small cooperative bank, characterized by extraordinarily strong capitalisation and liquidity buffers. The total capital ratio of 32.4% in 2025 is roughly three times the internal individual capital need of 11.0%, providing an excess of DKK 73.9m. The capital base consists exclusively of Common Equity Tier 1 (member capital and retained earnings), with no hybrid or subordinated debt requiring refinancing. Liquidity is similarly robust with an LCR of 1,151%, vastly above the 100% regulatory minimum, and a loan-to-deposit ratio of just 53.3%, indicating a substantial deposit surplus. Credit quality is strong with accumulated impairment of only 1.8% of total exposure and a net P&L impairment charge of just DKK 0.4m in 2025. All Supervisory Diamond benchmarks are comfortably met, and the loan book is diversified between private (47%) and business (53%) customers without significant single-sector concentration. Equity has grown consistently from DKK 83.1m in 2021 to DKK 112.8m in 2025 (CAGR ~7.9%), entirely from retained earnings as no dividends are paid. However, the bank's sub-scale nature (~19 FTEs, DKK 847m total assets) creates a disproportionate regulatory cost burden, and earnings are volatile and highly sensitive to interest rates — 2025 profit fell 60% due to lower central-bank deposit income. The 2026 guidance of DKK 4–7m profit before tax remains subdued. A 2025 Finanstilsynet inspection resulted in several orders ('påbud') that may carry additional supervisory implications. Despite these concerns, the capital and liquidity cushions are so substantial that resilience to shocks is very high.

Key strengths: Total capital ratio of 32.4% vs. 11.0% individual capital need (21.4pp excess), Capital base 100% Common Equity Tier 1 — no hybrid/subordinated debt, LCR of 1,151% (vs. 100% minimum), Loan-to-deposit ratio 53.3% with large deposit surplus, Very low accumulated impairment ratio (1.8%), All Supervisory Diamond benchmarks met comfortably, Equity grown via retained earnings (no dividends): CAGR ~7.9% 2021-2025, Diversified between private (47%) and business (53%) customers, No wholesale funding dependence

Risk factors: Sub-scale operations (~19 FTEs, DKK 847m total assets) — disproportionate regulatory cost burden, Earnings highly sensitive to interest rates — profit fell 60% in 2025, Negative value adjustments in 2025 (-DKK 1.9m), Cost growth (staff & admin +7.1% in 2025) outpacing income, Niche mission-driven lending concentration (schools, co-housing, social enterprises), Finanstilsynet inspection (autumn 2025) resulted in several orders/påbud, Subdued 2026 guidance: profit before tax DKK 4-7m, Management overlay for credit risk increased 80.6% to DKK 1.4m

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