Arvad Finanshus A/S Due Diligence

Run due diligence on Arvad Finanshus A/S: check compliance and get alerts when suppliers or ownership change.

Denmark · owned by Independent (Denmark) · arvad.nu · 13 vendors

Arvad is a Danish independent financial advisory firm offering unbiased (uvildig) economic advice to private individuals, business owners, and companies. The company provides holistic 360° financial reviews covering areas such as housing, pension, tax, investment, and wealth planning, always acting solely in the client's interest without receiving commissions from banks or product providers. Arvad holds licences from the Danish Financial Supervisory Authority (Finanstilsynet) as a mortgage credit intermediary, investment adviser, and insurance intermediary.

Resilience scores

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Last updated 2026-10-21 · revision 3

13 direct vendors, 163 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Compliance

8 in-scope frameworks identified; showing 3.

ISAE 3000 (source) — No public evidence

ISAE 3000 is a standard for assurance engagements other than audits of historical financial information. It could be used for assurance over non-financial information, such as security controls or compliance processes.

FATCA & CRS — No public evidence

As a Danish financial institution providing investment advice, Arvad Finanshus A/S is required to comply with the Foreign Account Tax Compliance Act (FATCA) and the Common Reporting Standard (CRS) for automatic exchange of tax information.

AML — No public evidence

As a financial advisory firm in Denmark regulated by Finanstilsynet, the company is subject to the Danish Anti-Money Laundering Act, which implements EU AML directives.

Financials

Three-year financials

Financial Resilience Score: 3/10

Arvad Finanshus ApS demonstrates weak financial resilience despite strong top-line growth. The company has roughly tripled its gross profit from DKK 3,119K in 2020 to DKK 9,213K in 2025 (approximately 24% CAGR), but profitability has lagged significantly behind this growth. Cumulative net result over 2020-2025 is approximately -DKK 16K, meaning the firm has essentially operated at break-even while scaling. The company suffered a significant loss of DKK -1.0M in FY2023, followed by a minor loss in FY2024 (-DKK 33K), before returning to marginal profitability of DKK 9K in FY2025. The balance sheet is extremely thin, with equity of only DKK 125K supporting total assets of DKK 3,437K, yielding a solvency ratio of just 3.6% (rated 'weak' by Proff.dk). The company has a history of negative equity, with -DKK 1,770K in FY2020 and -DKK 301K in FY2023, indicating recurring balance-sheet fragility. Share capital of DKK 500K has been largely eroded by accumulated losses. Personnel costs are the primary driver of cost base volatility - in FY2023, personnel costs of DKK -7,332K exceeded gross profit of DKK 6,684K, mechanically causing the loss. The micro-firm reporting status (no audit, only compilation assistance) further limits external assurance.

Key strengths: Gross profit tripled from DKK 3,119K (2020) to DKK 9,213K (2025), ~24% CAGR, Returned to marginal profitability (+DKK 9K) in FY2025 after two loss years, Liquidity improved from 99.4% (2024) to 104.2% (2025), Regulated by Danish FSA (Finanstilsynet) as housing credit intermediary, investment adviser and insurance intermediary, Fee-only independent advisory model reduces conflict-of-interest risk

Risk factors: Very thin capitalisation - solvency ratio of only 3.6% (rated 'weak'), Equity of DKK 125K on DKK 3.4M balance sheet provides minimal buffer, History of negative equity (FY2020: -DKK 1,770K; FY2023: -DKK 301K), Volatile profitability - FY2023 loss of -DKK 1.0M wiped out prior two years' profits, Personnel costs exceeded gross profit in FY2023, creating operating leverage risk, Share capital of DKK 500K largely eroded by accumulated losses, Micro-firm disclosure with no audit, only accountant compilation assistance, Cumulative net result 2020-2025 approximately -DKK 16K (essentially break-even)

Revenue by geography

Revenue by product/service

Workforce by country

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