L'EASY A/S Due Diligence

Run due diligence on L'EASY A/S: check compliance and get alerts when suppliers or ownership change.

Denmark · owned by 3C Holding ApS (Denmark) · www.leasy.dk · 9 vendors

L'easy is a Danish consumer lending company headquartered in Odense, offering personal loans ranging from 10,000 to 200,000 DKK. Customers can apply online using MitID (Danish digital ID), receive a credit decision within one hour during business hours, and repay early without fees. The company is part of the 3C Retail group and has operated since 1985, originally founded as VaskRent before rebranding to L'easy in 1992.

Resilience scores

Technology vendors

Insights

Last updated 2026-10-05 · revision 3

9 direct vendors, 217 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Migration Readiness: 5/10

Assessed by AI based on technology stack characteristics (cloud-native vs legacy, containerization, microservices), regulatory environment, data residency requirements, financial stability, and vendor lock-in risks. The score ranges from 0-10, where higher scores indicate better readiness for technology migration.

L'EASY A/S exhibits medium migration readiness. The primary challenge is the stated 'Medium' vendor lock-in risk, which could significantly complicate efforts to migrate services or data to new platforms or providers. While the company has modern integrations like MitID and a digital loan origination platform, the underlying architecture (e.g., cloud-native, containerized, microservices) of its core systems is not specified, suggesting potential legacy components that would increase migration complexity. The use of WordPress/Elementor for some sites also points to a mixed technology landscape. Regulatory compliance with GDPR and NIS2 is a positive factor, as it indicates established processes for data handling and security, which are crucial for a structured migration. However, the moderate number of vendors (9) and services (14) implies a degree of integration complexity that would need careful management during a migration. The financial capacity to fund a significant migration is also unclear due to vague financial stability data.

Compliance

10 in-scope frameworks identified; showing 3.

Danish Financial Business Act — No public evidence

L'EASY A/S, as a company providing loans and financing to the public, is considered a financial business and is subject to supervision by the Danish FSA (Finanstilsynet) under the Danish Financial Business Act.

Evidence: https://www.retsinformation.dk/eli/lta/2003/453, https://www.retsinformation.dk/eli/lta/2019/838, https://www.retsinformation.dk/eli/lta/2023/1731, https://www.finanstilsynet.dk/tilsyn/inspektion-og-afgoerelser/2014/sep/boedeforlaeg-l-easy-250914

Danish Act on Consumer Loan Businesses — Evidence found

As a business offering high-cost, short-term consumer credit in Denmark, L'EASY A/S falls directly under the scope of the Danish Act on Consumer Loan Businesses ("Lov om forbrugslånsvirksomheder").

Evidence: https://tankpenge.dk/samlelaan/, https://tankpenge.dk/laan-til-koerekort/, https://tankpenge.dk/laan-penge-akut/

CCD II — No public evidence

As a provider of consumer credit within the EU, L'EASY A/S is subject to the rules of the Consumer Credit Directive (CCD), including the updated requirements under CCD II, which member states must implement.

Evidence: https://globallawexperts.com/what-does-the-consumer-credit-directive-require/, https://plaid.com/blog/ccd2/, https://www.legal500.com/intelligence/european-union/consumer-protection/an-overview-of-the-new-consumer-credit-directive, https://cdn.ceps.eu/wp-content/uploads/2021/12/Revision-of-the-Consumer-Credit-Directive-1.pdf, https://www.schufa.de/en/newsroom/finances/new-eu-consumer-credit-directive-buy-now-pay-later/index.jsp, https://www.carstedrosenberg.com/post/danish-banking-regulation-law

Financials

Three-year financials

Financial Resilience Score: 8/10

L'EASY A/S demonstrates strong financial resilience driven by exceptional capitalisation and rapidly expanding profitability. Equity of DKK 1.24B against FY 2025 revenue of DKK 495M gives an equity/revenue ratio of ~250%, consistent with a receivables-heavy balance sheet funded largely by owner equity rather than external debt. Net profit has grown roughly 5x in two years (DKK 31M to DKK 163M), and EBIT margin expanded dramatically from ~32% in FY 2024 to ~48% in FY 2025, reflecting strong pricing power in consumer financing. The company benefits from established brand recognition since 1985, backing from the 3C RETAIL group (DKK 2B revenue, 540+ employees), and diversified product lines within consumer finance including cash lending, 12-month interest-free financing, and longer-term installment financing. Positive customer sentiment (Trustpilot 4.5 across ~5,800 reviews) supports the sustainability of the business model. However, risks include concentration in the Danish consumer credit market, exposure to household credit cycles and regulatory changes, and a notable headcount reduction (from 184 average in FY 2025 accounts to 131 currently registered on CVR) suggesting potential 2026 restructuring. Related-party dependence on the 3C RETAIL parent and reputational scrutiny of high-cost consumer financing in Scandinavia are additional considerations.

Key strengths: Very strong capitalisation with equity/revenue ratio of ~250%, Net profit grew ~5x in two years (DKK 31M to DKK 163M), EBIT margin expansion from 32% to 48% in FY2025, Established brand since 1985 with 3C RETAIL group backing, Diversified consumer finance product lines, Positive Trustpilot score of 4.5 across ~5,800 reviews

Risk factors: Consumer credit exposure concentrated in a single small market (Denmark), Headcount contraction from 184 to 131 suggests restructuring, Reputational/ethical scrutiny of rent-to-own and high-cost consumer financing, Related-party dependence on 3C RETAIL Holding parent, Exposure to Danish household credit cycles and interest-rate shifts, Regulatory risk around consumer lending rules

Revenue by geography

Workforce by country

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