What Arvad Finanshus does

Arvad Finanshus is a Danish independent financial advisory firm founded in 2007 and headquartered at Emdrupvej 54, 2400 Copenhagen. The firm delivers non-commission, fee-based advisory services to three defined segments: private individuals (Privat), business owners and companies (Erhverv), and young adults (Arvad Young). Its core offering is a "360° economic review" that holistically covers housing, pension, tax, wealth planning, and life-event decision support, delivered through personalized consultations rather than product sales.

The firm holds three licenses from Finanstilsynet (the Danish Financial Supervisory Authority) — Boligkreditformidler, Investeringsrådgiver, and Forsikringsformidler — which collectively authorize it to advise across credit, investments, and insurance. This licensing perimeter, combined with an explicit refusal to accept commissions from banks, mortgage institutions, or pension companies, positions Arvad as a structurally conflict-free advisor in a market where most retail financial guidance is delivered by product-distributing institutions.

Operationally, Arvad is a micro-practice of 1-10 employees with a direct, sales-led GTM motion: non-binding initial dialogue, followed by multi-year advisory engagements. There are no disclosed funding rounds, no parent company, no technology platform beyond a content-marketing website, and no AI, API, or proprietary tooling. Its geographic footprint is restricted to the Capital Region of Denmark, and revenue is generated exclusively through professional advisory fees.

Name

Arvad Finanshus

Legal name

Arvad Finanshus

Website

https://arvad-finanshus.dk

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Arvad Finanshus is an independent, fee-based Danish financial advisory firm serving private individuals, businesses, and young adults through Finanstilsynet-licensed 360° economic reviews covering housing, pension, tax, and wealth planning.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Investment Advice (6282), Loan Brokers (6163)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industries

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA), Debt Advisory & Financing Advisory (FSAEAGAD), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Independent financial advisory
• Financial planning services
• Personal finance advisory
• Business financial consulting
• Investment advisory

Headquarters

HQ city

Bagsværd

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. Professional Advisory Fees: Revenue generated through professional financial advisory services. As independent advisors, Arvad does not receive commission or fees from banks, mortgage institutions, or pension companies. Their income is derived exclusively from delivering professional advisory services to clients, contrasting with banks that often earn revenue through loan fees, investment fees, or product commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Arvad Finanshus is an independent, fee-based financial advisory firm that delivers 360° economic reviews and personalized financial guidance to private individuals, business owners/companies, and young adults. Its advisory covers housing, pension, tax, investments, and wealth planning, and the firm explicitly does not sell financial products or receive commissions from banks, mortgage institutions, or pension companies. Advisory is delivered under licenses granted by the Danish Financial Supervisory Authority (Finanstilsynet) as housing credit broker, investment advisor, and insurance broker.

Product overview

Arvad Finanshus offers a unified platform of independent financial advisory services delivered through three core offerings: Privat (for private individuals), Erhverv (for businesses and companies), and Arvad Young (for young adults). The company provides holistic 360° financial reviews and personalized advisory services across housing, pension, tax, investments, and wealth planning, without selling products or receiving commissions from financial institutions.

Differentiator

Problem solved

Functional benefit

Brands

• Arvad Young: Financial advisory services specifically targeted at young adults with ambitions, offering personalized and independent advice on finances, investments, and savings.

Products and services

• Privat Independent financial advisory service for private individuals that delivers a 360° economic review with an actionable plan and ongoing guidance on housing, pension, tax, and major life-stage financial decisions. Targeted at consumers seeking unbiased, non-commission-based personal finance advice.
• Erhverv Strategic financial advisory for businesses, business owners, and companies covering 360° economic review, company structuring, tax optimization, negotiations with banks and authorities, wealth and capital planning for growth, plus digital business services, accounting, and bookkeeping.
• Arvad Young Independent financial advisory tailored for young adults that provides a 360° overview of their finances and opportunities, sparring on housing, investment, and savings, plus a fixed personal advisor who understands the client's goals.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves3 records

Expansion highlights3 records

Broad incumbents

• Jyske Bank: Danish universal bank with wealth management and private banking divisions. Competes with Arvad in independent-style investment advisory for affluent Danish households while also offering banking products.
• PwC Denmark: Big Four advisory firm in Denmark offering tax, transaction, and wealth advisory to high-net-worth individuals and businesses. Overlaps with Arvad's Erhverv and HNW Privat offerings at a much larger scale.
• Nykredit: Major Danish financial group offering banking, mortgage, and wealth advisory services. Competes with Arvad in housing, pension, and investment advisory but with a much broader product portfolio and capital base.
• Andersen (Denmark): Danish tax, legal, and advisory firm serving private clients and businesses with structuring, tax planning, and wealth services. Comparable to Arvad in Erhverv tax optimization and private wealth structuring scope.
• Spar Nord Bank: Danish regional bank with a strong advisory franchise across private and business clients. Overlaps directly with Arvad's Privat and Erhverv offerings but bundles advisory with deposit and lending products.

Regional players

• Sampension: Danish pension company providing pension, insurance, and advisory services to public and private sector employees. Comparable in the pension/insurance advisory component of Arvad's offering.
• PFA Pension: One of Denmark's largest pension and insurance companies with customer-facing pension advisory. Comparable in pension and insurance advisory scope but operates as a pension provider rather than independent advisor.

Direct peers

• Formuepleje: Danish independent wealth management firm providing portfolio advisory and asset management to private individuals and institutions. Closely comparable to Arvad in its independence stance and Danish retail wealth focus.
• Nordnet: Nordic online broker and investment platform operating in Denmark. Offers investment advisory and portfolio services to retail investors in the same Privat / Young segment as Arvad, but at much larger scale and with a digital-first model.
• Facet Wealth: US-based fee-only registered investment advisor providing holistic financial planning via remote advisors. Comparable business model to Arvad's fee-only, conflict-free, multi-domain advisory approach, scaled digitally.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/arvad-finanshus-a-s

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Arvad Finanshus