--- title: "Fintech Solution Lab ApS – Regnskab 2025 og nøgletal" description: "Fintech Solution Lab ApS (CVR 36734205). Regnskabsperiode: 2025-01-01 – 2025-12-31. Bruttofortjeneste -327,2 t DKK, årets resultat -1,4 mio. DKK, egenkapital -52,8 mio. DKK." canonical_url: "https://datapublica.dk/companies/36734205-fintech-solution-lab-aps/financials" locale: "da" route_type: "company_financials" robots: "index,follow" content_access: "standard" --- # Fintech Solution Lab ApS — Regnskab Fintech Solution Lab ApS \(CVR 36734205\). Regnskabsperiode: 2025-01-01 – 2025-12-31. Bruttofortjeneste -327,2 t DKK, årets resultat -1,4 mio. DKK, egenkapital -52,8 mio. DKK. CVR 36734205 ## Seneste regnskabsperiode - 2025 • 2025-01-01 • 2025-12-31 • entity • DKK • -327224 • -327224 • -1409135 • 2570615 • -52820054 • 0 ## Regnskabshistorik - 2024 • 2024-01-01 • 2024-12-31 • entity • DKK • -375469 • -509359 • -34971275 • 2893921 • -51410919 • 1 - 2023 • 2023-01-01 • 2023-12-31 • entity • DKK • 2945205 • -8615073 • -16454971 • 41126154 • -16439644 • 1 - 2022 • 2022-01-01 • 2022-12-31 • entity • DKK • 3250815 • -5090396 • -29667204 • 40944157 • 15327 • 1 - 2021 • 2021-01-01 • 2021-12-31 • entity • DKK • 3229701 • -421880 • -2077525 • 56149503 • 29682531 • 2 - 2020 • 2020-01-01 • 2020-12-31 • entity • DKK • 2367825 • -697060 • 2435176 • 52090726 • 29639672 • 2 - 2019 • 2019-01-01 • 2019-12-31 • entity • DKK • 1852174 • -696619 • -7346991 • 32029615 • 12092307 • 2 - 2018 • 2018-01-01 • 2018-12-31 • entity • DKK • 1295869 • -692194 • -1867648 • 28995138 • 13438938 • 2 - 2017 • 2017-01-01 • 2017-12-31 • entity • DKK • 1026098 • -473184 • -1580895 • 24515040 • 15056661 • 2 ## Højdepunkter fra årsrapporten - primary activities • In August 2024, the Company sold its Intellectual Property Rights to the subsidiary November First A/S and simultaneously sold November First A/S to Visma Holding Danmark A/S. Thereafter, the Company has been dormant and will be liquidated following the filing of the 2025 Annual Report, cf. below. • entity - development in activities and financial affairs • The income statement of the Company for 2025 shows a loss of DKK 1,409,135, and at 31 December 2025 the balance sheet of the Company shows a negative equity of DKK 52,820,054. The 2024 sale of the subsidiary include an earn-out arrangement based on the former subsidiary’s realised profit in the period 2025-2027 to be concluded mid-2028. However, in September 2025, the acquirer informed the Company that it had decided to close down the former subsidiary and not utilize the acquired Intellectual Property Rights \(“IPR”\) effectively on 1st November 2025. Further, the acquirer informed Management that it does not intend to initiate a sales process regarding the acquired IPR. Consequently, Management has assessed that the earn-out arrangement will not generate any profit.As mentioned last year, the Company initiated a preventive reconstruction process to ensure that repayment of loans received will be deferred to 2028 when the outcome of the earn-out was to be known. The reconstruction was approved at a meeting at the Maritime and Commercial Court \(“Sø- og Handelsretten”\) on 7th February 2025. Following above events Management believe that it is in the best interest of the Shareholders that the Company is liquidated before the end and the earn-out period and will consult with legal advisors in this regard. Meanwhile Management believe 1\) that the Company’s’ accounts shall be based on net realizable values and 2\) that following the reconstruction the Company is a going concern. Please refer to Note 1. The company is covered by §119 of the Companies Act on capital loss. At the ordinary general meeting 30 June 2025, the company's management provided information on the company's financial position and expectations for future reestablishment of the share capital. • entity - going concern uncertainty • Following the announcement from the acquirer of the former subsidiary November First A/S, that the acquirer closed the acquired company’s activity end 2025 it is Managements view that the agreed earn-out arrangement regarding the former subsidiary’s realised profit in the period 2025-2027 – to be paid out mid-2028 - will not generate any profit. To defer repayment of loans until then, the Company initiated a formal preventive reconstruction process which was approved at a meeting at the Maritime and Commercial Court \(“Sø- og Handelsretten”\) on 7th February 2025. The main effect of the reconstruction is that all debt as per 30th January 2025 will be deferred until 2028 and be subject to 2% interest p.a. Further, should the inflow of funds from the earn-out in 2028 not be sufficient to cover the Company’s debt, loans etc will be reduced proportionately to ensure that the Company can be liquidated. Costs incurred after reconstruction shall be covered by the Company, which has sufficient funds to cover these costs through 2028. Based on above events Management believe that the Company’s accounts shall be presented applying net realisable values. This has not had any impact on the 2025 Financial Statements, cf. Note 2 and accounting policies below.Based on the reconstruction and current funds available it is Management's belief the Company is a going concern. • entity - recognition measurement uncertainty • We refer to note 2 regarding uncertainty relating to recognition and measurement. • entity - recognition measurement uncertainty • The balance sheet includes loans amounting to DKK 55.390.669. Based on the reconstruction, should the inflow of funds from the earn-out in 2028 not be sufficient to cover the Company's debt, loans etc will be reduced proportionately to ensure that the Company can be liquidated. As the formal process regarding liquidation prior to 2028 has not been initiated, Management has – despite the changed accounting policies mentioned in Note 1 – assessed that the debt shall be included in the accounts at the full value. This is approximately DKK 53.000.000 higher than the expected net realizable value, which requires legal confirmations before these adjustments can be recognized. • entity - subsequent events • On 6 March 2026 the Company received the Dkk 2.000.000 holdback amount for Visma Danmark Holding A/S, which is included in the balance sheet as per 31 December 2025. • entity - contingent liabilities • Other contingent liabilities The company has no other contingent liabilities apart from the liabilities already recognized in the balance sheet. • entity