Carta

What Carta does

Carta is a privately held Danish automotive leasing company founded in 1989 and headquartered in Odense, Denmark. The firm serves both private individuals and companies with two core products: Flexleasing, which allows customers to pay only proportional registration tax during the active leasing period, and Deleleasing (split leasing), a tax-optimized arrangement where an employer and a private individual each sign separate contracts on the same vehicle, splitting costs based on business versus private kilometers driven. The deleleasing concept has been approved by Skatterådet (the Danish Tax Council), and Carta holds a bulk customer agreement with SKAT that compresses registration tax valuation to a single day versus the standard 6-8 weeks.

The company distributes its products primarily through a car dealer network covering most of Denmark, with the entire financing workflow (quote calculation, credit assessment, and document signing) handled at the point of vehicle sale via the proprietary CARTA Pro dealer portal. Supporting infrastructure includes a GPS-based electronic logbook (kørebog) supplied by SKYHOST for compliance with SKAT mileage tracking requirements, and the MitCarta mobile app which lets end users classify trips as private or business. The company also offers fuel card arrangements with OK and SHELL as ancillary benefits for deleleasing customers.

Carta employs approximately 40 staff members organized into Sales, Leasing, IT, and Finance functions. Revenue is generated through recurring monthly leasing payments from both individual and corporate customers, with pricing provided on a quote basis rather than published tiers. The firm is 100% privately owned, has no disclosed external funding or parent company, and operates exclusively in the Danish market with no stated international footprint.

Name

Carta

Legal name

Carta

Website

https://carta.dk

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

51–100 employees

Short description

Carta is a privately held Danish automotive leasing company founded in 1989 and headquartered in Odense. It offers flexleasing and deleleasing (split leasing) products to private individuals and businesses through a nationwide car dealer network.

Ownership category

akta.pro rank

Product category

Auto Leasing Services

NAICS

Passenger Car Leasing (532112)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510), Finance Lessors (6172)

akta.pro primary industry

Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA)

akta.pro secondary industry

Consumer/Private Lease & Subscription (Personal Contract Hire) (TLABAAAC)

Keywords

• Auto leasing services
• Vehicle financing
• Flexleasing arrangements
• Split leasing solutions
• Car financing Denmark

Headquarters

HQ city

Odense

HQ country

Denmark

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Flexleasing: Flexible leasing arrangement where only proportional registration tax is paid during the leasing period. Revenue comes from monthly leasing payments including base lease and proportional tax components.
2. Deleleasing (Split Leasing): Split leasing arrangement where both a company and private individual each pay their portion of leasing costs. Revenue generated from monthly payments from both parties split based on actual kilometers driven, including operating expenses (insurance, fuel tax, fuel, repairs, maintenance, service).

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Carta is a Danish automotive leasing and financing company that provides two core products: Flexleasing (leasing with proportional registration tax where customers pay registration tax only for active leasing months) and Deleleasing (split leasing where a company and a private individual each sign separate leasing contracts on the same vehicle to allocate costs by business vs. private use). The company also operates a dealer partner portal (CARTA Pro) and a customer mobile application (MitCarta) to support its leasing arrangements, primarily distributed through a network of car dealers across Denmark.

Product overview

Carta is a Danish automotive leasing company offering two primary leasing products: Flexleasing (leasing with proportional registration tax) for those wanting to pay vehicle taxes only during the active leasing period, and Deleleasing (split leasing) which splits costs between employer and employee to eliminate company car taxation. The company operates a dealer partner portal (CARTA Pro) and a customer-facing mobile application (MitCarta). Founded in 1989 and headquartered in Odense, Carta connects with car dealers across Denmark to provide competitive financing solutions for both private individuals and businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Flexleasing Flexible leasing arrangement where customers pay only the proportional registration tax during the leasing period rather than the full registration tax upfront. Suitable for higher-value vehicles, limits capital tied up in cars, and reduces depreciation exposure. Available for private individuals and businesses in Denmark.
• Deleleasing (Splitleasing) Split leasing arrangement where a company and a private individual each sign separate leasing contracts on the same vehicle, dividing costs based on business versus private usage. Eliminates company car taxation (firmabilbeskatning) for the private individual while allowing the employer to save on the portion of expenses the employee covers. Requires GPS-based electronic logbook for mileage tracking.
• CARTA Pro (Dealer Portal) Online dealer portal at calc.carta.dk providing Carta's partner dealers with login access to perform leasing quote calculations, credit assessments, and document signing for customer leasing agreements during the vehicle purchase process.
• MitCarta Mobile App Smartphone application for deleleasing customers to classify trips as private or business, view trip history, and track vehicle location. Pairs with the SKYHOST GPS-based electronic logbook to support tax-compliant mileage recording.

Quantifiable outcome

• Tax savings for private individuals through deleleasing arrangement
• +2 more outcomes

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature1 record

Partnerships

Five partnerships are on record, tiered core and minor.

• SKAT (Danish Tax Authority)coreStrategic or Co-development PartnerCarta has a major customer agreement (storkundeaftale) with SKAT, allowing them to value registration tax on vehicles within one day, compared to the standard 6-8 weeks. CARTAs deleleasing concept has been approved by Skatterådet (Danish Tax Council).
• SKYHOSTcoreTechnology or IntegrationSKYHOST provides GPS-based electronic logbook technology for deleleasing arrangements. The unit meets SKAT's guidelines for electronic vehicle logs and is approved as a tracking device by several insurance companies.
• OK (Fuel Company)minorOthersFuel card provider for deleleasing customers, offering discount arrangements negotiated by Carta.
• SHELLminorOthersFuel card provider for deleleasing customers, offering discount arrangements negotiated by Carta.
• Car Dealers in DenmarkcoreChannel Partner/ Reseller/ DistributorCarta works with car dealers throughout most of Denmark to provide leasing services. Dealers refer customers and handle the financing process in connection with vehicle purchases.

Scale indicators4 records

Recent moves9 records

Expansion highlights4 records

Direct peers

• Nordania Leasing: A Danish fleet and corporate car leasing company offering flexleasing and operational leasing to private and business customers in Denmark — directly overlapping Carta's core offerings and Danish geography.
• AL-Finans (Resurs Bank): Danish consumer and corporate auto finance provider (part of Resurs Bank) offering car loans and leasing products to private individuals and dealerships across Denmark — comparable customer base and dealer-led distribution.
• Diba Bank (Bilfinansiering): Danish bank offering consumer car loans and dealer-financed automotive credit products — comparable dealer-channel, private-individual customer base, and competitive alternative to Carta's financing.

Broad incumbents

• Volkswagen Financial Services Denmark: OEM captive finance arm operating in Denmark offering leasing and financing through Volkswagen dealerships — overlaps with Carta's dealer-originated passenger car leasing channel but with brand-tied subsidies and broader scale.
• Volvo Car Financial Services Denmark: OEM captive of Volvo Cars providing leasing and financing in Denmark through Volvo dealers — comparable dealer-driven passenger car leasing but vertically integrated with an OEM.
• ALD Automotive Denmark: A major European fleet management and operational leasing provider with Danish operations serving corporate fleets — comparable corporate/enterprise car leasing but at much larger scale and broader service scope.
• LeasePlan Denmark: Global fleet and operational leasing player with a Danish presence, serving corporate and private customers — adjacent to Carta's operational leasing and corporate car market.
• Santander Consumer Bank Denmark: Large-scale consumer finance provider in Denmark offering auto loans and dealer finance — overlapping with Carta's consumer and SME leasing/financing segment with substantially larger balance sheet.

Regional players

• Nordic Auto Lease: Danish-focused private and corporate car leasing operator offering flexible leasing and subscription-style products — directly comparable flexleasing-style offering in the same domestic market.
• Mobility Norway / Sixt Leasing Denmark: Nordic short- and long-term passenger car rental and leasing operator with Danish presence — comparable passenger car leasing product offering competing for similar private and small-business customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Carta