e-nettet A/S Due Diligence
Run due diligence on e-nettet A/S: check compliance and get alerts when suppliers or ownership change.
Denmark · owned by Independent (Denmark) · www.e-nettet.dk · 30 vendors
E-nettet A/S is a Danish financial infrastructure company owned by all Danish financial and mortgage institutions. It develops and operates shared IT systems and digital solutions for the financial sector and real estate market in Denmark. The company facilitates complex processes such as bank changes, digital property transfers, and pension payments, aiming to strengthen Denmark's position as a highly digitalized society.
Resilience scores
- Digital Sovereignty: 33
- Digital Resilience: 4
- Financial Resilience: 8
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Services catalogue
2 services in catalogue across 2 categories; runs on 30 sub-vendors.
- Digital Infrastructure
- Digital Signatures
Insights
Last updated 2026-09-26 · revision 19
30 direct vendors, 248 subvendors
Direct vendors by controlling owner country (sample)
- Denmark: 3
- Australia: 1
- Sweden: 2
Subvendors by controlling owner country (sample)
- Sweden: 5
- Australia: 1
- Switzerland: 2
Compliance
10 in-scope frameworks identified; showing 3.
SOC 2 (source) — No public evidence
Evidence: https://www.e-nettet.dk/om-e-nettet/organisation/, https://www.e-nettet.dk/om-e-nettet/aarsrapport/
Danish Data Protection Act — Evidence found
Evidence: https://www.e-nettet.dk/privatlivspolitik/, https://www.datatilsynet.dk/, https://www.retsinformation.dk/eli/lta/2018/502
NIS2 (source) — No public evidence
Evidence: https://www.e-nettet.dk/om-e-nettet/aarsrapport/, https://www.e-nettet.dk/om-e-nettet/organisation/, https://www.retsinformation.dk/eli/lta/2024/639, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32022L2555, https://www.cfcs.dk/, https://www.finanstilsynet.dk/
Financials
Three-year financials
- 2025: revenue DKK 275M, EBIT DKK 1.87M, equity DKK 135M
- 2024: revenue DKK 258M, EBIT DKK 10.9M, equity DKK 133M
- 2023: revenue DKK 237M, EBIT DKK 4.69M, equity DKK 124M
Financial Resilience Score: 8/10
e-nettet A/S is a sector-owned utility company providing critical shared IT and data infrastructure to the Danish financial sector. Its financial resilience is structurally strong because it is co-owned by essentially all major Danish banks and mortgage-credit institutions, meaning demand for its services is non-discretionary and embedded in national payment, mortgage, and property-transaction infrastructure. The company supports approximately 70% of all Danish home sales, giving it an extraordinarily deep competitive moat. Regulatory tailwinds from CSRD, DORA, and TARGET expand its role as a shared infrastructure layer. Headcount has been stable at 101-106 FTE for at least five years (2021-2025), suggesting revenue is also broadly stable in real terms. Historically, revenue has been in the range of ~180-220 MDKK with modest, positive net results. The cooperative ownership model with a very low CEO-to-employee pay ratio (~4x) reduces incentive-driven risk-taking. High operational uptime is a headline KPI, indicating disciplined operations. Key risks include customer concentration on a small set of Danish financial institutions, 100% single-country exposure to Denmark, structurally capped growth due to the utility pricing model, rising employee turnover to 21% in 2025 (well above the internal <15% target), and housing-market sensitivity for volume-based revenue components. Danish banking consolidation could reduce the number of paying customers over time.
Key strengths: Sector-utility status with co-ownership by Danish financial sector, ~70% market share in Danish home sales transactions, Non-discretionary demand embedded in national infrastructure, Stable workforce of 101-106 FTE over 5 years, High employee satisfaction (96%) and high operational uptime, Regulatory tailwinds from CSRD, DORA, and TARGET, Cooperative governance model with low CEO pay ratio (~4x)
Risk factors: Customer concentration on small set of Danish financial institutions, 100% single-country exposure to Denmark, Structurally capped growth due to utility pricing model, Employee turnover rose to 21% in 2025 vs <15% target, Housing-market cyclical sensitivity, Danish banking consolidation reducing customer count, Reliance on external platforms and policy-driven migrations
Revenue by geography
- Denmark: 100%
Revenue by product/service
- Ancillary/new products: 0%
- ESG/climate data services: 0%
- Bank-switching services (bankskifte): 0%
- Payments infrastructure services (Kronos2/TARGET): 0%
- Housing transaction data and workflow services (bolighandel): 0%
Workforce by country
- Denmark: 101
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