Jyske Finans

What Jyske Finans does

Jyske Finans A/S is a Danish financing and leasing company and a wholly-owned subsidiary of Jyske Bank, headquartered in Silkeborg with additional sales offices in Roskilde and Aalborg. Founded in 1959 and operating with approximately 180 employees, the company provides financing and leasing solutions for commercial vehicles (company cars, vans, trucks), industrial equipment, agricultural machinery, construction equipment, and used materiel to Danish businesses across six verticals: transport, construction, agriculture, industry, equipment dealers, and used equipment. It also serves private customers through car loans, private leasing (Privatleasing.dk / Minaftale.dk), and insurance intermediation, and manages a dedicated fleet business unit, Jyske Fleet, which bundles leasing with service agreements, tire management, fuel cards, insurance, roadside assistance, replacement vehicles, and EV charging solutions via partners Clever and Norlys.

The company operates a platform-plus-modules architecture: its core leasing products are supported by a digital Kundeportalen (web-based customer portal for asset finance management, budget calculation, and document handling), the Min Bil iOS app (lease tracking, service reminders, chatbot guidance, and roadside assistance access), the online leasing calculator, onlineportal.dk, and fleet.jyskefinans.dk. Its go-to-market combines enterprise field sales with dedicated senior relationship managers organized regionally (East/West Denmark), inside sales teams (Online Sales, Fleet Sales, Corporate Support), self-service digital channels for consumers, and dealer/equipment supplier referral partnerships. Direct-to-consumer acquisition flows through Privatleasing.dk and Minaftale.dk.

Revenue is generated primarily through recurring lease payments on financing arrangements, supplemented by managed fleet administration fees, accessoric insurance intermediation (on behalf of Tryg Forsikring, AXA France Vie/IARD, AmTrust International, and Købstædernes Forsikring), and bundled add-on service revenues. The company refinances eligible green assets via green bonds issued within the Jyske Bank Group framework and publishes an annual sustainability report. In September 2024 it expanded its customer book through the acquisition of Opendo A/S's private leasing and fleet management portfolio.

Name

Jyske Finans

Legal name

Jyske Finans A/S

Website

https://jyskefinans.dk

Company type

Private

Founded year

1959

Operating status

Operating

Headcount range

101–250 employees

Short description

Jyske Finans A/S is a Danish financing and leasing company and a wholly-owned subsidiary of Jyske Bank, providing vehicle, equipment, and machinery leasing to Danish businesses across transport, construction, agriculture, and industry, plus private car financing, with bundled fleet management services under the Jyske Fleet brand.

Ownership category

akta.pro rank

Product category

Commercial Asset Leasing & Fleet Management

NAICS

Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasing (53212)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510), Finance Lessors (6172), Services-Miscellaneous Equipment Rental & Leasing (7350)

akta.pro primary industry

Fleet & Commercial Vehicle Finance (FSAKADAE)

akta.pro secondary industry

Commercial Trucking & Heavy Equipment Vehicle Finance (FSAKADAI)

Keywords

• Commercial vehicle leasing
• Equipment financing
• Fleet management services
• Business asset leasing
• Private car leasing

Headquarters

HQ city

Domicella

HQ country

Italy

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Finansiering (Financing / Leasing): Jyske Finans generates revenue primarily through leasing and financing arrangements for vehicles (company cars, vans) and equipment/materiel for businesses and private customers. Revenue is generated as recurring lease payments over contract terms. The company also offers financing for solar panel installations on commercial properties.
2. Biladministration (Fleet Administration): Fleet management services including service agreements, tire agreements, fuel cards, insurance intermediation, roadside assistance, and replacement vehicle provision, all bundled into leasing contracts or offered as add-on services generating supplementary revenue.
3. Accessoric Insurance Mediation: Jyske Finans acts as an accessory insurance intermediary (accessorisk forsikringsformidling) on behalf of Tryg Forsikring A/S and AXA France Vie/IARD. It also holds funds on behalf of AmTrust International Underwriters DAC and Købstædernes Forsikring Gensidig, under the Garantifonden for Skadesforsikringsselskaber scheme.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Jyske Finans provides leasing and financing of company cars, commercial vans, machinery, and equipment to Danish businesses and private customers. It bundles fleet management services including insurance, service, tire agreements, fuel cards, EV charging, and roadside assistance, and operates the Jyske Fleet sub-brand, Jyske Finans Ekspres express equipment financing, and sale & lease back arrangements.

Product overview

Jyske Finans is a financing company within the Jyske Bank Group offering a comprehensive suite of financing and leasing products. The core offerings include business leasing (Erhvervsleasing) for commercial equipment and vehicles, Jyske Fleet for company cars and commercial vans, private leasing for individual customers, and car loans. Jyske Fleet operates as a specialized sub-brand offering firmabiler (company cars) and varebiler (vans) with extensive add-on modules including charging solutions, service agreements, tire agreements, fuel cards, insurance, roadside assistance, replacement vehicles, car advisory, online calculator, kilometer pooling, sale & lease back, consolidated billing, fleet administration, and green registration fee management. The Kundeportalen (Customer Portal) provides digital access for business customers to manage asset financing, budgets, and documents. The Min Bil App offers mobile access for iOS users. The product architecture is organized as a platform-plus-modules model where the core leasing products serve as the foundation with numerous optional add-on services that customers can bundle according to their specific needs.

Differentiator

Problem solved

Functional benefit

Brands

• Jyske Fleet: Firmabil and commercial vehicle leasing division offering fleet management services for businesses.
• Jyske Finans Ekspres

Products and services

• Erhvervsleasing (Business Leasing) Financing and leasing solutions for Danish businesses covering commercial equipment, machinery, and vehicles across transport, agriculture, construction, industry, and dealer verticals.
• Jyske Fleet – Firmabiler (Company Cars) Leasing of company cars for business fleets, available with optional bundled services such as insurance, service agreements, roadside assistance, and EV charging solutions.
• Jyske Fleet – Varebiler (Commercial Vans) Leasing of commercial vans for business fleets, with vehicles from brands including Ford, Mercedes-Benz, Citroën, Peugeot, and Volkswagen.
• Privatleasing (Private Leasing) Private car leasing services for individual Danish consumers, managed through the Minaftale.dk self-service platform.
• Billån (Car Loan) Financing solutions for private car purchases, offering consumers loan terms for vehicle acquisition.
• Jyske Finans Ekspres Express financing service providing fast decisions and professional leasing for standard equipment, including forklift trucks, construction machines, agricultural machines, and industrial machines.
• Sale & Lease Back Sale and lease back arrangement allowing companies to sell existing vehicles to Jyske Finans and lease them back to free up capital.

Quantifiable outcome

• Fast financing decisions via Jyske Finans Ekspres for standard equipment
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered major, flagship, core and minor.

• Opendo A/SmajorOthers · 4 September 2024In September 2024, Jyske Finans acquired Opendo A/S's private leasing and fleet management car leasing portfolio. This acquisition significantly expanded Jyske Finans's customer base and portfolio, and the company continued Opendo's popular network events (e.g., Dragsholm Slot events) for the acquired customers.
• DTL – Danske Vognmænd (Danish Hauliers Association)flagshipStrategic or Co-development Partner · 1 January 2021Jyske Finans and DTL co-founded the annual Den Grønne Transportpris (Green Transport Prize) in 2021 to recognize and spotlight Danish transport companies making outstanding green transition efforts. The award is presented at the Transport trade fair in Herning. Prize money (25,000 / 15,000 / 10,000 DKK) is designated for further environmental improvements in the winners' companies. The partnership also serves Jyske Finans's brand-building and B2B marketing objectives in the transport sector.
• ClevercoreTechnology or IntegrationJyske Fleet partners with Clever as one of two approved EV charging operators. Clever provides home charging box installation, public charging network access, and charging subscriptions for company electric vehicles and vans leased through Jyske Fleet. Clever handles installation, ladebrik (charging card), app management, and roaming agreements including international charging. Jyske Fleet manages the ordering process on behalf of customers.
• NorlyscoreTechnology or IntegrationJyske Fleet partners with Norlys as an alternative EV charging operator alongside Clever. Norlys provides home charging and access to the Norlys public charging network. Like Clever, the ordering process is managed by Jyske Fleet. Norlys subscriptions are consumption-based (not monthly) for home charging.
• Nordic Green SolutionscoreStrategic or Co-development PartnerJyske Finans partnered with Nordic Green Solutions to help business customers access sustainability consulting, climate accounting, and green investment guidance. Nordic Green Solutions specializes in helping companies reduce CO2 and energy costs, apply for government subsidies for green investments, and develop climate action plans. Jyske Finans refers its customers to Nordic Green Solutions and positions the partnership as delivering 'bæredygtighed med bundlinje' (sustainability with a bottom line).
• Tryg Forsikring A/ScoreStrategic or Co-development PartnerJyske Finans acts as an accessory (accessorisk) insurance intermediary for Tryg Forsikring A/S, offering motor insurance products to its leasing and financing customers. Tryg is a major Danish non-life insurer covered by the Garantifonden for Skadesforsikringsselskaber.
• AXA France Vie and AXA France IARDminorStrategic or Co-development PartnerJyske Finans also acts as accessory insurance intermediary for AXA France Vie and AXA France IARD, offering insurance products to customers. Both are covered by the Garantifonden for Skadesforsikringsselskaber.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ALD Automotive: Global corporate fleet leasing and mobility provider (Société Générale group) operating in Denmark. Competes head-to-head with Jyske Fleet on company car and van leasing, full-service contracts, and EV fleet transition support.
• Nordania Leasing: Nordic equipment and vehicle lessor owned by Nordea, operating across Denmark, Norway, Sweden, and Finland. Directly comparable to Jyske Finans in offering business leasing of vehicles, machinery, and equipment with bundled services — and a similarly bank-affiliated ownership structure.
• Nykredit Leasing: Danish bank-affiliated leasing arm (part of Nykredit Group) providing equipment, vehicle, and machinery leasing to Danish businesses. Directly comparable to Jyske Finans's Erhvervsleasing business in customer base and bank-ownership model.
• Mercedes-Benz Financial Services Denmark: OEM captive finance provider for Mercedes-Benz vehicles in Denmark, offering business and private leasing, fleet management, and insurance products. Overlaps with Jyske Fleet's premium company car and van leasing offerings.
• BMW Financial Services Scandinavia: OEM captive financing for BMW and MINI vehicles across Scandinavian markets including Denmark. Directly competes with Jyske Fleet for premium and executive company car leasing contracts and corporate fleet supply.
• Arval: BNP Paribas-owned global full-service vehicle leasing operator with a Danish presence. Directly competes with Jyske Fleet on corporate fleet leasing, multi-brand vehicle supply, and integrated mobility/charging solutions.
• Volkswagen Financial Services Denmark: OEM captive financing arm offering private leasing, business leasing, and fleet services for VW Group brands in Denmark. Competes with Jyske Finans on both private car leasing and corporate fleet supply, leveraging manufacturer subsidies.
• LeasePlan: Major European fleet management and car leasing company with Danish operations. Competes with Jyske Fleet across corporate fleet leasing, EV transition support, and end-to-end fleet management services.

Regional players

• Santander Consumer Leasing (Nordics): Nordic arm of Santander Consumer Bank offering vehicle and consumer financing across Sweden, Norway, and Denmark. Competes with Jyske Finans on private car leasing and consumer auto finance in overlapping Nordic markets.
• SG Equipment Finance (Nordic): Société Générale's vendor and equipment finance arm operating across the Nordics. Comparable to Jyske Finans's industrial/agricultural/construction equipment leasing business in target customer profile and asset categories.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/jyske-finans

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Jyske Finans