What Krone Kapital does

Krone Kapital A/S is a Danish commercial vehicle leasing company, operating as a group that includes Krone Kapital II A/S and Krone Kapital III A/S, wholly owned by two savings banks — Sparekassen Kronjylland and Sparekassen Thy. Founded around 2004 and headquartered in Nykøbing Mors with a secondary office in Aarhus (in the TRÆ building), the company employs approximately 80 staff across leasing, credit, compliance, fleet, marketing, customer service, legal and IT functions. It generates revenue primarily through subscription-style recurring payments on financial leases, full-service operational leases and flex-leasing contracts covering company cars, vans, trucks, trailers and electric vehicles, supplemented by transaction and admin fees and by affiliate commissions on Q8 fuel cards and a DKK 79/vehicle/month Krone insight fleet-management subscription.

The company's technology backbone is the Krone connect partner platform, which integrates directly with Denmark's Motorregistret, CPR and CVR registries for automated vehicle, identity and company lookups, embeds PowerBI business intelligence for dealers, and supports indicative flex-leasing valuations; alongside it sits Krone insight (powered by ServiceFlow) for real-time fleet tracking, ESG and consumption dashboards, and mileage logging. Core products include Krone van (a bundled light commercial fleet product with up to 100% financing and sale-and-leaseback), Krone connect, Krone insight, the EV/green business leasing line, third license plates and fuel cards.

Distribution runs through a regional direct sales force (West Denmark, East Denmark, Trekantområdet and direct sales, plus dealer leasing consultants), an indirect channel of car dealers and bank/savings-bank business advisors using Krone connect, and digital self-service for fleet customers. Ancillary partnerships with Codan (insurance), SOS International (roadside assistance) and ServiceFlow (telematics) round out a full-service operational lease value proposition for Danish business customers ranging from single-vehicle SMEs to enterprise fleets.

Name

Krone Kapital

Legal name

Krone Kapital A/S

Website

https://kronekapital.dk

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Krone Kapital is a Danish commercial vehicle leasing company owned by Sparekassen Kronjylland and Sparekassen Thy, offering financial, operational and flex leasing of cars, vans, trucks and electric vehicles to Danish businesses via direct sales, a dealer/partner network and the Krone connect and Krone insight digital platforms.

Ownership category

akta.pro rank

Product category

Vehicle Leasing Services

NAICS

Automotive Equipment Rental and Leasing (5321), Passenger Car Leasing (532112), Passenger Car Rental (532111), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

SME & Small Business Vehicle Leasing (TLABAAAB)

akta.pro secondary industry

Long-Term Car Rental (Monthly/Extended Hire) (TLABAAAD)

Keywords

• Business vehicle leasing
• Financial leasing services
• Operational leasing
• Fleet management tools
• Commercial vehicle financing

Headquarters

HQ city

Nykøbing Mors

HQ country

Denmark

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Finansiel leasing: Finance lease where customer gets full usage rights during lease period and takes responsibility for service, insurance and residual value. Customer can arrange purchase or transfer to third party at end of period.
2. Operationel leasing: Full-service lease where Krone Kapital handles financing and maintenance. All costs included in payment, maintenance and typically insurance included. Customer returns vehicle at end of lease period.
3. Flexleasing: Proportional registration fee paid monthly during lease period instead of full amount upfront. Makes expensive vehicles more accessible with lower monthly payments.
4. Fuel cards (Q8): Commission from fuel card partnerships - Q8 Firmakort for business customers and Q8 Privatkort for private customers with fuel discounts.
5. Krone insight subscription: Fleet management tool available for 79 DKK per vehicle per month.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels3 records

Core offering

Krone Kapital is a Danish business leasing company that provides financial leasing, operational leasing, and flex leasing for company cars, vans, trucks, trailers, and electric vehicles. The company complements its core leasing offering with two proprietary digital platforms: Krone connect (for dealer and partner lease processing) and Krone insight (a fleet management tool). Services are delivered to Danish businesses through regional sales teams, a dealer network, and savings bank partnerships.

Product overview

Krone Kapital is a Danish leasing company offering a comprehensive portfolio of vehicle leasing solutions for businesses. The core offering includes leasing of company cars, passenger vehicles, commercial vans (vans), trucks and trailers, and electric vehicles. This core leasing portfolio is complemented by two proprietary digital platforms: Krone connect, a digital platform for car dealers and business partners providing automated lookups (Motorregistret/CPR/CVR), duty calculations, PowerBI Business Intelligence, and case management; and Krone insight (powered by ServiceFlow), a fleet management tool providing real-time tracking, dashboard analytics, vehicle profiles, and driver logs. Krone van bundles commercial vehicle leasing with integrated fleet management. Add-on products include third license plates and fuel cards (Q8 partnership). The company operates primarily in Denmark, offering financial leasing, operational leasing, and flex leasing structures.

Differentiator

Problem solved

Functional benefit

Brands

• Krone connect: Digital platform for dealers and partners to manage leasing agreements, featuring automated lookups, fee calculations, and business intelligence.
• Krone insight
• Krone van

Products and services

• Financial Leasing (Finansiel leasing) Finance lease product where the customer pays a fixed monthly amount and takes responsibility for service, insurance, and residual value. The customer receives full usage rights during the lease period and can arrange purchase or transfer to a third party at the end of the period.
• Operational Leasing (Operationel leasing) Full-service lease product where Krone Kapital handles financing and maintenance. All costs are included in the payment, maintenance and typically insurance are bundled, and the customer returns the vehicle at the end of the lease period.
• Flex Leasing (Flexleasing) Leasing structure where the proportional registration fee is paid monthly during the lease period instead of as a full upfront amount, making expensive vehicles more accessible due to lower monthly payments.
• Krone van Fleet product for commercial vehicles (vans) that combines flexible and cost-effective leasing with integrated fleet management tools, real-time tracking, driver log, consumption monitoring, and included Krone insight functionality. Offers up to 100% financing, no mid-finance VAT requirements, and sale-and-leaseback options.
• Krone insight (Fleet Management Tool) Subscription fleet management tool priced at 79 DKK per vehicle per month that provides real-time vehicle tracking, dashboard analytics, vehicle profiles, ESG metrics, consumption monitoring, leasing and contract overview, mileage tracking, and driver log functionality. Powered by ServiceFlow.
• Krone connect (Partner Platform) Digital platform for car dealers and business partners that enables efficient handling of leasing agreements, automatic lookups in the Danish Motor Registry (Motorregistret), Civil Registration (CPR), and Central Business Register (CVR), duty calculation for customs-inspected vehicles, Business Intelligence via PowerBI, case status tracking, file management, and indicative price valuations during the quote phase for flex leasing.
• Company and Passenger Car Leasing Leasing of company cars and passenger vehicles for Danish businesses, including options for operational and financial leasing structures, with flexibility for customization including insurance and service agreements.
• Commercial Vehicle (Van) Leasing Leasing of commercial vans and light trucks for business use, available as standalone leases or bundled within the Krone van fleet product with integrated fleet management tools.
• Truck and Trailer Leasing Leasing of heavy trucks and trailers for commercial transportation businesses in Denmark.
• Electric Vehicle and Green Business Leasing Leasing of electric vehicles and green mobility solutions for Danish businesses seeking sustainable transportation options.
• Third License Plate (3. nummerplade) Additional license plate service allowing flexibility for vehicles used both privately and for business, particularly relevant for commercial vans with yellow plates that may need occasional private use.
• Fuel Card (Brændstofkort) Fuel card service through Q8 partnership offering Q8 Firmakort for business customers and Q8 Privatkort for private customers, with fuel rebates, car wash discounts, and toll payment capabilities. Includes EV charging benefits at 25 øre/kWh with Q8 Firmakort + El.

Quantifiable outcome

• Vehicles can be leased without major initial investment
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• SOS InternationalcoreTechnology or IntegrationProvides road assistance services through the Red Card (Rødt Kort) program. Customers can download the red card from SOS International's website for coverage when driving abroad. 24/7 assistance available.
• Q8 (Kuwait Petroleum)coreChannel Partner/ Reseller/ DistributorFuel card partnership offering Q8 Firmakort for business customers (with discounts of 1.95 DKK incl VAT per liter diesel and 1.85 DKK incl VAT per liter gasoline) and Q8 Privatkort for private customers. Includes car wash discounts and charging benefits for electric vehicles.
• Codan InsuranceminorChannel Partner/ Reseller/ DistributorInsurance partner offering vehicle insurance for personal and commercial vehicles through Krone Kapital. Customers are billed monthly together with their lease payment.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• ALD Automotive: One of Europe's largest full-service vehicle leasing and fleet management companies, serving corporate clients across multiple countries including Denmark. A broad incumbent with overlapping capabilities but far greater scale and geographic reach.
• LeasePlan: Global leader in fleet management and vehicle leasing, operating in Denmark via LeasePlan Denmark. Overlaps with Krone's operational leasing and fleet management offerings but at materially larger scale and broader geographic scope.
• Mercedes-Benz Financial Services Denmark: OEM captive finance arm offering vehicle leasing and financing for Mercedes-Benz and smart customers in Denmark. Comparable in leasing product and Danish market presence but constrained to Mercedes-Benz vehicles.
• Santander Consumer Finance Denmark: Bank-affiliated consumer and business finance provider in Denmark, including vehicle financing and leasing products. Comparable on bank-backed funding and Danish customer base but broader scope than Krone's leasing focus.
• Nordic Finance (Nykredit): Danish financial services group offering car and equipment leasing through Nykredit. Comparable to Krone's bank-owned model and Danish SME focus, but with broader financial services and significantly larger balance sheet.
• Arval: BNP Paribas-owned full-service vehicle leasing and mobility provider operating across Europe, including Denmark. Comparable to Krone's operational leasing, fleet management, and corporate customer focus but with multi-country scale.
• Volkswagen Financial Services Denmark: OEM captive finance arm offering vehicle leasing, financing, and services to Volkswagen Group customers in Denmark. Comparable on vehicle leasing product but with brand-specific advantages and global parent backing.

Direct peers

• Nordania: Danish vehicle and equipment leasing company serving both business and private customers with operational and financial leasing. Highly comparable to Krone Kapital on geography, product, and customer base.
• Jyske Finans: Bank-affiliated Danish leasing arm (part of Jyske Bank group) offering vehicle and equipment leasing to business customers. Comparable to Krone in structure (bank-owned), product mix, and Danish SME focus.

Regional players

• DNB Bank (Leasing): Large Nordic bank with vehicle and equipment leasing operations primarily in Norway with cross-Nordic presence. Comparable on bank-owned leasing model and corporate fleet focus, but operates in a different primary geography than Krone's Denmark-only footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/kronekapital
• LinkedInlinkedin.com/company/kronekapital

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 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 Krone Kapital