Cardlay A/S
Core data
Name | Cardlay A/S |
Address | Kochsgade 31D 3, 5000, Odense C |
Founded | Feb 12, 2016 |
Employees (CVR) | 33 |
Locations (P-units) | 2View locations |
Website | https://cardlay.com/ |
 LinkedIn | cardlay |
Branch | Computerkonsulentbistand og forvaltning af computerfaciliteter (622000) |
Name | Cardlay A/S |
Address | Kochsgade 31D 3, 5000, Odense C |
Founded | Feb 12, 2016 |
Employees (CVR) | 33 |
Locations (P-units) | 2View locations |
Website | https://cardlay.com/ |
| LinkedIn | cardlay |
Branch | Computerkonsulentbistand og forvaltning af computerfaciliteter (622000) |
Keep track of Cardlay A/S
Description
Cardlay is a Danish FinTech company providing a white-label spend management platform for commercial cards, expense management, and payments. It enables financial institutions, fintechs, businesses, and technology companies to launch digital solutions for SMEs and global enterprises.
Cardlay provides modular, adaptable, turnkey, or integrated card and expense management solutions. Its platform supports card issuance and tokenization, expense management, transaction management, spend controls, approval flows, data exports, ERP integrations, and digital payments under a customer's brand.
Company's own description on virk.dk
The object of the Company is to provide IT consultancy and, in the opinion of the Board, all related activities.
Products & services
White-label spend management platform · Commercial card management · Expense management · Payment solutions · Virtual and physical cards · Mobile application · Web application · Card issuance and tokenization · Card spend controls · Transaction management · Approval flows · Budget allocation · Digital receipts · ERP integrations · API and file integrations · Cards-as-a-Service
Industries
Fintech · Spend management · Commercial cards · Payments · Expense management
Customer types
Financial institutions · Fintechs · Banks · Card issuers · Processors · Technology companies · Businesses of all sizes · SMBs · Large corporations · Global enterprises · Fleets
Customers & references
SAP Concur · Eurocard
Financials
| Reporting period | 2025DKK | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross profit | 20,314,663 | ||||||||
| Operating profit | -30,131,182 | ||||||||
| Profit before tax | -32,062,204 | ||||||||
| Net income | -41,533,717 | ||||||||
| Total assets | 76,098,782 | ||||||||
| Equity | 67,380,911 | ||||||||
| Avg. employees | 45 | ||||||||
2017–2025 Unlock financial history | |||||||||
Datapublica Risk Score
What goes into the assessment
Financials
Equity ratio, profitability, and liquidity
Accounts and history
Late filings and previous financial distress
Owners and management
Past bankruptcies and owners’ other companies
Company and connections
Age, industry, and shared addresses or contact details
Standard: Score and risk bandPro: Also a detailed explanation of the factors
Gazelle
Loading gazelle status…
Børsen Gazelle is Dagbladet Børsen's award. Datapublica is not affiliated with Børsen. Calculated statuses are Datapublica's own analysis of public CVR financial-statement data.
People
| Person | Roles | Titles |
|---|---|---|
| Jørgen Christian Juul | Roles BoardManagement | TitlesBESTYRELSESMEDLEM • DIREKTØR |
| Nicolai Fink Gundersen | Roles Board | TitlesBESTYRELSESMEDLEM |
| Thorleif Krarup | Roles Board | TitlesBESTYRELSESMEDLEM |
| Torben Frigaard Rasmussen | Roles Board | TitlesFORMAND |
Auditor
| Audit firm | Auditor | Role | From |
|---|---|---|---|
| EY Godkendt Revisionspartnerselskab | AuditorSøren Smedegaard Hvid | RoleState Authorised Public Accountant | FromJul 10, 2026 |
Legal owners
| Owner | Ownership | Voting rights | From |
|---|---|---|---|
| Ownership100 % | Voting rights100 % | FromFeb 12, 2016 |