Denmark SPI- Small Payment Institution for sale

An established and fully regulated payment services and both currency exchange platform and office is available for acquisition. The business has built a long-standing presence in Northern Europe, benefiting from consistent walk-in demand, strong brand trust, and a loyal client base.

The company holds rare regulatory permissions, including:
Restricted payment institution license (money remittance under PSD2)
Currency exchange registration under local AML regulation (physical FX buy/sell)
This combination of authorizations is scarce and offers an acquirer a fast-track entry into a tightly regulated sector.

Operational Infrastructure (Turnkey Stack Included)
The business is delivered with a full suite of operational systems, relationships, and controls in place, removing typical execution risk for new entrants:
BayernLB (Germany) – Wholesale supply of foreign notes & precious metals (gold, silver, etc.), with live onboarding and institutional-grade counterparties already active.
Viva – Card acquiring (POS & online) for seamless FX/PM retail transactions.
Wamo – Business banking infrastructure enabling cross-border settlements (SEPA/Faster Payments).
Visma e-conomic – Widely adopted Danish-standard accounting system with clean audit trails.
Beierholm – Engagement with a top-tier audit firm, rare in this sector, providing credibility and reducing onboarding barriers.
365id + AML/KYC/CRM Suite – Hardware scanners and full compliance workflows, policies, and reporting in English.

Financial Highlights (Audited, DKK)
FY2023: Gross profit 1.70m; EBIT 0.62m; Net profit 0.50m; Equity 2.38m; Cash 2.31m
FY2024: Gross profit 0.99m; EBIT −0.11m; Net profit 0.01m; Equity 2.29m; Cash 1.53m

2024 results reflect investments in establishing and prioritizing the wholesale bullion/FX supply channel and restructuring intercompany financing. Importantly, all financial debt will be repaid pre-completion, ensuring a clean, debt-free transfer.

Transaction Structure
100% share sale
Delivered debt-free, cash-free at completion with normalized working capital
Clean regulatory status and audited financials

Investment Rationale
Rare regulatory platform combining remittance + currency exchange (platform and office)
Immediate wholesale access to FX & bullion supply through BayernLB
Live retail payments & banking infrastructure for rapid scaling
Established audit, compliance, and accounting framework — reduces execution risk
Prime central Copenhagen location with natural footfall and long-standing brand trust
Delivered debt-free with operational systems, counterparties, and auditors already engaged

Conclusions
This opportunity offers investors a strategic entry into the regulated remittance, FX, and precious metals sector via a mature, fully licensed, and operational platform. With rare regulatory permissions, a ready institutional-grade supply channel, and trusted auditors already in place, the acquirer can focus on scaling operations from day one rather than building infrastructure from scratch.