Riskpilot← Back to searchSign inGet full accessLappajärven Osuuspankki
OPActiveY-tunnus 0180512-6Maneesintie 4Other monetary intermediation · NACE 6419Est. 192410 employees
Revenue 2025
EUR 4K
EBITDA margin
31.6%
-100% vs 2024
Equity ratio
23.2%
Financial strength
Net profit 2025
EUR 588
-100% vs 2024
| Revenue | EUR 4K | — |
| EBITDA | EUR 1K | -100% |
| Net profit | EUR 588 | -100% |
| Total assets | EUR 57K | -100% |
| Equity | EUR 13K | -100% |
| Employees | 10 | — |
Legal name
Lappajärven Osuuspankki
Y-tunnus number
0180512-6
Legal form
Osuuspankki
NACE code
6419 · Other monetary intermediation
Founded
25. marraskuuta 1924
Share capital
—
Employees
10 (FTE)
VAT registered
No
Audit selected
No
Last report
2025-12-31
Financial year
January – December
Signatory rights
Hallituksen puheenjohtaja ja toimitusjohtaja yhdessä
Company purpose
Osuuspankin tarkoituksena on harjoittaa jäsentensä omistamana osuuskuntamuotoisena talletuspankkina luottolaitostoimintaa jäsentensä ja asiakkaidensa taloudellisen menestyksen tukemiseksi. Osuuspankin palveluita saavat käyttää muutkin kuin jäsenet. Osuuspankki tarjoaa sijoituspalvelulain 1 luvun 11§:n mukaisia sijoituspalveluja.
Address
Maneesintie 4
Risika for professionals
Risika provides regulated workflow tools for finance, procurement and compliance teams that need monitoring, alerts and an API.
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | 0 | 0 | 0 | 4 |
| Staff expenses | −535 | 0 | −639 | −1 |
| EBITDA | −757 | −0 | 1 470 | 1 |
| Depreciation & amort. | −0 | −0 | −0 | −0 |
| EBIT | −757 | −0 | 1 470 | 1 |
| Net financials | 2 737 | 0 | 4 132 | 0 |
| Profit before tax | 1 980 | −0 | 4 852 | 1 |
| Tax | 30 | −0 | 137 | 1 |
| Net profit | 1 951 | 0 | 583 | 1 |
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 12 158 | 123 931 | 138 646 | 57 |
| Equity | 13 651 | 12 238 | 12 849 | 13 |
| Long-term debt | 529 | 0 | 0 | 0 |
| Short-term debt | 101 696 | 97 | 421 | 0 |
| Total debt | 102 225 | 109 103 | 122 456 | 0 |
EBITDA margin
31.6%
This company
15.8%
Market median
+100% vs market
20222025
Equity ratio
23.2%
This company
38.2%
Market median
-39% vs market
20222025
Return on equity
4.5%
This company
18.4%
Market median
-76% vs market
20222025
Net profit margin
14.9%
This company
8.1%
Market median
+84% vs market
20222025
Asset turnover
0.07×
This company
1.12×
Market median
-94% vs market
20222025
Debt / equity
3.31×
This company
0.62×
Market median
-434% vs market
20222025
- Annual report 2025Filed via PRH / YTJ · Period 2025-01-01 – 2025-12-31
- Annual report 2024Filed via PRH / YTJ · Period 2024-01-01 – 2024-12-31
- Annual report 2023Filed via PRH / YTJ · Period 2023-01-01 – 2023-12-31
- Annual report 2022Filed via PRH / YTJ · Period 2022-01-01 – 2022-12-31
| Name | Role | Member since |
|---|---|---|
| Current (8) | ||
AJ Chief Executive Officer | Chief Executive Officer | 2017 |
KM Person with significant control | Person with significant control | 2020 |
KM Person with significant control | Person with significant control | 2025 |
PE Person with significant control | Person with significant control | 2020 |
SH Person with significant control | Person with significant control | 2024 |
MK Deputy Chief Executive Officer | Deputy Chief Executive Officer | 2022 |
EH Person with significant control | Person with significant control | 2020 |
MK Person with significant control | Person with significant control | 2025 |
| Former (9) | ||
SJ Deputy auditor | Deputy auditor | 2015 – 2021 |
HM Person with significant control | Person with significant control | 2020 – 2025 |
HA Person with significant control | Person with significant control | 2020 – 2021 |
AM Person with significant control | Person with significant control | 2020 – 2023 |
JT Audit | Audit | 2015 – 2021 |
SS Person with significant control | Person with significant control | 2023 – 2024 |
AI Deputy Chief Executive Officer | Deputy Chief Executive Officer | 2017 – 2022 |
MH Person with significant control | Person with significant control | 2020 – 2025 |
JK Person with significant control | Person with significant control | 2021 – 2022 |
| Name | Role | Member since |
|---|---|---|
| Current (17) | ||
| Board of Directors | 2014 | |
| Board of Directors | 2020 | |
| Board of Directors | 2023 | |
| Board of Directors | 2023 | |
| Chairperson | 2014 | |
| Board of Directors | 2020 | |
| Board of Directors | 2020 | |
| Board of Directors | 2020 | |
| Board of Directors | 2021 | |
| Board of Directors | 2021 | |
| Board of Directors | 2014 | |
| Board of Directors | 2020 | |
| Board of Directors | 2014 | |
| Board of Directors | 2020 | |
| Board of Directors | 2020 | |
| Chairperson | 2020 | |
| Board of Directors | 2014 | |
| Former (6) | ||
| Board of Directors | 2020 – 2023 | |
| Board of Directors | 2014 – 2023 | |
| Board of Directors | 2020 – 2021 | |
| Board of Directors | 2020 – 2021 | |
| Board of Directors | 2020 – 2021 | |
| Board of Directors | 2020 – 2023 | |
No shareholder data available.
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No registered parent or subsidiaries
Board members of Lappajärven Osuuspankki also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Simo Juhani Ilmari Salonen | Deputy auditor | 0 companies |
| Heidi Maria Niemelä | Person with significant control | 0 companies |
| Hilkka Annikki Heikkilä | Person with significant control | 0 companies |
| Anne Mariitta Ahvenniemi | Person with significant control | 0 companies |
| Antti Juhani Haapoja | Chief Executive Officer | 0 companies |
| Kirsti Marja-Leena Pitkänen | Person with significant control | 0 companies |
| Kirsi Marjaana Koskela | Person with significant control | 0 companies |
| Jari Tapani Nurkkala | Audit | 0 companies |
| Päivi Elina Angervisto | Person with significant control | 0 companies |
| Susanna Sara Sofia Sulkakoski | Person with significant control | 0 companies |
| Aila Irmeli Kuoppala | Deputy Chief Executive Officer | 0 companies |
| Sanna Hannele Savola | Person with significant control | 0 companies |
| Minna Kristiina Iso-Pellinen | Deputy Chief Executive Officer | 0 companies |
| Eija Helena Sulanko | Person with significant control | 0 companies |
| Mirja Hannele Mäki | Person with significant control | 0 companies |
| Marjo Kristiina Rantala | Person with significant control | 0 companies |
| Jasmine Kristiina Kirsilä | Person with significant control | 0 companies |
| Pirjo Sisko Eliisa Finnilä | Board of Directors | 0 companies |
| Jukka Tapani Mäkelä | Board of Directors | 0 companies |
| Anne Katriina Övermark | Board of Directors | 0 companies |
| Piia Katariina Kalliokoski | Board of Directors | 0 companies |
| Teemu Sakari Myllymäki | Board of Directors | 0 companies |
| Jouni Markus Juha Luoma | Board of Directors | 0 companies |
| Esa Olavi Rantakangas | Chairperson | 0 companies |
| Jari Juhani Ollila | Board of Directors | 0 companies |
| Hannu Tapani Ahola | Board of Directors | 0 companies |
| Tapani Kalervo Olli | Board of Directors | 0 companies |
| Jarkko Juhani Rannisto | Board of Directors | 0 companies |
| Heta-Mari Hernesniemi | Board of Directors | 0 companies |
| Jussi Edvard Hernesniemi | Board of Directors | 0 companies |
| Heikki Tapani Honkaniemi | Board of Directors | 0 companies |
| Vesa Pekka Savola | Board of Directors | 0 companies |
| Riina Helena Harju | Board of Directors | 0 companies |
| Minna Susanna Keskinen | Board of Directors | 0 companies |
| Viivi Mariaana Korkiatupa | Board of Directors | 0 companies |
| Kimmo Henrik Ahopelto | Board of Directors | 0 companies |
| Eero Antero Ahvenniemi | Board of Directors | 0 companies |
| Heikki Juhani Kuoppala | Chairperson | 0 companies |
| Markku Erkki Korpela | Board of Directors | 0 companies |
| Eveliina Paakki | Board of Directors | 0 companies |