kompasbank a/s Due Diligence
Run due diligence on kompasbank a/s: check compliance and get alerts when suppliers or ownership change.
Denmark · owned by Independent (Denmark) · kompasbank.dk · 30 vendors
kompasbank is a digital business bank focused on serving small and medium-sized enterprises (SMEs) in Denmark. The company provides business financing, leasing solutions, currency exchange, and advisory services, positioning itself as 'Denmark's fastest business bank for SMEs' with loan amounts ranging from DKK 500,000 to DKK 25,000,000.
Resilience scores
- Digital Sovereignty: 20
- Digital Resilience: 6
- Financial Resilience: 7.5
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Insights
Last updated 2026-09-13 · revision 14
30 direct vendors, 230 subvendors
Direct vendors by controlling owner country (sample)
- Netherlands: 1
- Germany: 1
- Denmark: 2
Subvendors by controlling owner country (sample)
- Spain: 1
- United Kingdom: 3
- Israel: 1
Compliance
7 in-scope frameworks identified; showing 3.
NIS2 (source) — No public evidence
Banking institutions are classified as Essential Entities under NIS2 Directive. As a Danish bank operating in the EU, Kompasbank likely falls under NIS2 requirements.
Danish Financial Business Act — No public evidence
As a licensed Danish bank (CVR: 38803611), Kompasbank must comply with the Danish Financial Business Act and be supervised by Finanstilsynet.
Evidence: https://kompasbank.dk
ISO 27001 (source) — No public evidence
Recommended for banking institutions to demonstrate systematic approach to information security management. This would complement GDPR and NIS2 compliance efforts.
Financials
Three-year financials
- 2020: gross profit DKK -5.33M, EBIT DKK -13.7M, equity DKK 787K
- 2019: gross profit DKK -9.34M, EBIT DKK -19.4M, equity DKK 7.81M
- 2018: gross profit DKK -7.71M, EBIT DKK -13.0M, equity DKK 13.0M
Financial Resilience Score: 7.5/10
Kompasbank demonstrates strong financial resilience for a bank at its stage of development, primarily driven by a robust capital base and a clear path to sustainable profitability. The bank's capital adequacy is its strongest point, with a Total Capital Ratio of 20.3%, significantly above the regulatory requirement of 11.5%. This provides a crucial cushion against unexpected loan losses and supports future growth. The score is tempered by the bank's short operating history and high market concentration. While the transition to profitability in 2023 is a critical validation of the business model, the bank has not yet been tested through a significant economic downturn. Its resilience remains theoretical until it navigates a full credit cycle within the Danish SME sector.
Key strengths: Capital Adequacy (20.3% Total Capital Ratio), Achievement of first full-year profit in 2023, Disciplined credit assessment and EIF partnership, Strong liquidity and stable deposit growth
Risk factors: Short operating history (founded 2020), Geographic concentration (100% Denmark), Sector concentration (SME lending), Untested performance in economic downturns
Revenue by geography
- Denmark: 100%
- Rest of World: 0%
Revenue by product/service
- Net Interest Income: 87.5%
- Fee and Commission Income: 12.5%
Workforce by country
- Denmark: 75
- Other Countries: 0
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