Monthio ApS
Core data
Name | Monthio ApS |
Address | Øster Allé 56 2, 2100, København Ø |
Founded | May 18, 2018 |
| 65 / 62 | |
Locations (P-units) | 1View locations |
Website | https://www.monthio.com/ |
Branch | Computerprogrammering (621000) |
Name | Monthio ApS |
Address | Øster Allé 56 2, 2100, København Ø |
Founded | May 18, 2018 |
| 65 / 62 |
Locations (P-units) | 1View locations |
Website | https://www.monthio.com/ |
Branch | Computerprogrammering (621000) |
Keep track of Monthio ApS
Description
Monthio provides tools and data for faster, more informed lending and credit decisions, including income and expense verification, risk insights, categorisation, account verification, and debt insights. It is FSA regulated and ISO27001 certified.
Monthio helps credit providers digitise and streamline credit assessments by using Open Banking and real-time financial data to verify income and expenses, assess affordability, mitigate fraud and default risk, and make faster, more accurate lending decisions.
Company's own description on virk.dk
Monthio’s primary offering is a Software-as-a-Service data product that gathers, analyses and presents information on the economic situation of a private individual or household combining data from several sources. The outcome of the data analysis is a consolidated overview of assets and liabilities as well as income and expenses. The data product can be adapted to specific use cases, such as residential financing, various banking services, consumer lending and car leasing. The automated flows and high-quality data enable streamlined processes with significant efficiency gains, ensure regulatory compliance, reduce credit losses, and improve both the workflow for advisors and the end customer experience. Monthio has clients ranging from consumer finance, car loans and leasing, to small, medium-sized and large banks.
Products & services
Income Verification · Risk & Insights · Categorisation · Account Verification · Expense Verification · Debt Insights · Open Banking-based credit assessment · Real-time income and expense verification
Industries
finance_insurance · software_saas
Customer types
Banks · Consumer lenders · Car financing providers · Other lenders · Credit providers
Financials
| Reporting period | 2025DKK | |||||||
|---|---|---|---|---|---|---|---|---|
| Gross profit | 28,583,431 | |||||||
| Operating profit | -22,639,285 | |||||||
| Profit before tax | -23,908,560 | |||||||
| Net income | -23,908,560 | |||||||
| Total assets | 87,348,887 | |||||||
| Equity | 52,404,171 | |||||||
| Avg. employees | 56 | |||||||
2018–2025 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
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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.
Founders
| Founder | Registered as founder | Current roles | Ownership |
|---|---|---|---|
| Mads Aarup Pedersen | Registered as founderMay 18, 2018 | Current roles BoardManagement | Ownership 29.99–49.99 %Indirect via SmartFinance Holding ApS |
| Ole Herstal | Registered as founderMay 18, 2018 | Current roles — | Ownership — |
People
| Person | Roles | Titles |
|---|---|---|
| Glenn Olof Söderholm | Roles Board | TitlesBESTYRELSESMEDLEM • FORMAND |
| Jacob Arup Bratting Pedersen | Roles Board | TitlesBESTYRELSESMEDLEM |
| Jakob Ekkelund | Roles Board | TitlesBESTYRELSESMEDLEM |
| Mads Aarup Pedersen | Roles BoardManagement | TitlesBESTYRELSESMEDLEM • ADM. DIR. |
Auditor
| Audit firm | Auditor | Role | From |
|---|---|---|---|
| Deloitte Statsautoriseret Revisionspartnerselskab | AuditorHenrik Wolff Mikkelsen | RoleState Authorised Public Accountant | FromJun 29, 2026 |
| Deloitte Statsautoriseret Revisionspartnerselskab | AuditorLeon Thomas Ravn Fagerlind | RoleState Authorised Public Accountant | FromJun 29, 2026 |
Legal owners
| Owner | Ownership | Voting rights | From |
|---|---|---|---|
| Ownership33.33–49.99 % | Voting rights33.33 % | FromJan 22, 2025 | |
| Ownership10–14.99 % | Voting rights10 % | FromJan 22, 2025 | |
Foreign legal entity | Ownership5–9.99 % | Voting rights5 % | FromJan 22, 2025 |
| Ownership5–9.99 % | Voting rights5 % | FromFeb 22, 2023 | |
| Ownership5–9.99 % | Voting rights5 % | FromJan 15, 2024 |
Child companies
| Company | Ownership | Voting rights | From |
|---|---|---|---|
| Ownership33.33–49.99 % | Voting rights33.33 % | FromAug 20, 2026 |
Ultimate owners
| Name | Ownership through | Calculated ownership |
|---|---|---|
| Mads Aarup Pedersen | Ownership through | 29.99–49.99 % |
| Danmarks Eksport- og Investeringsfond | Ownership through Direct | 10–14.99 % |
| 🇸🇪Harmar AB | Ownership through Direct | 5–9.99 % |
| Peter Ustrup Hermann | Ownership through | 5–9.99 % |
| Eva Sofie Højgaard Nielsen | Ownership through | 1.66–5 % |
| Simon Højgaard Nielsen | Ownership through | 1.66–5 % |
| Rikke Kjær Nielsen | Ownership through | 0 % |