Riskpilot← Back to searchSign inGet full accessMatti Saarnio Oy
OYActiveY-tunnus 0208750-9Pl 52Retail sale of hardware, building materials, paints and glass · NACE 4752Est. 1960— employees
Revenue 2025
EUR 6,7M
-27% vs 2024
EBITDA margin
-1.6%
-360% vs 2024
Equity ratio
48.8%
Financial strength
Net profit 2025
EUR 33K
-59% vs 2024
| Revenue | EUR 6,7M | -27% |
| EBITDA | EUR -107K | -360% |
| Net profit | EUR 33K | -59% |
| Total assets | EUR 5M | -5% |
| Equity | EUR 2,5M | -5% |
| Employees | — | — |
Legal name
Matti Saarnio Oy
Y-tunnus number
0208750-9
Legal form
Osakeyhtiö
NACE code
4752 · Retail sale of hardware, building materials, paints and glass
Founded
19. elokuuta 1960
Share capital
EUR 8 409
Employees
—
VAT registered
No
Audit selected
No
Last report
2025-11-30
Financial year
January – December
Company purpose
Yhtiön toimialana on harjoittaa päivittäistavaroiden, tekstiilien, urheilu- ja vapaa-ajan tarvikkeiden, rauta- ja maataloustavaroiden tukku- ja vähittäiskauppaa sekä kiinteistöjen, arvopapereiden omistus- ja myynti-, osto- ja vuokraustoimintaa sekä niiden hallintaa.
Address
Pl 52
Risika for professionals
Risika provides regulated workflow tools for finance, procurement and compliance teams that need monitoring, alerts and an API.
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | 13 202 | 14 209 | 11 338 | 9 267 | 6 745 |
| Staff expenses | −705 | −700 | −445 | −349 | −327 |
| EBITDA | 285 | 186 | 27 | 41 | −107 |
| Depreciation & amort. | −39 | −34 | −32 | −31 | −16 |
| EBIT | 246 | 152 | −5 | 10 | −123 |
| Net financials | 95 | 97 | 151 | 110 | 164 |
| Profit before tax | 362 | 266 | 162 | 120 | 41 |
| Tax | 73 | 53 | 35 | 40 | 9 |
| Net profit | 289 | 213 | 127 | 80 | 33 |
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total assets | 5 858 | 5 890 | 5 583 | 5 265 | 5 023 |
| Equity | 2 627 | 2 676 | 2 640 | 2 570 | 2 453 |
| Long-term debt | 94 | 25 | 0 | 0 | 0 |
| Short-term debt | 3 136 | 3 189 | 2 943 | 2 694 | 2 570 |
| Total debt | 3 230 | 3 214 | 2 943 | 2 694 | 2 570 |
EBITDA margin
-1.6%
This company
15.8%
Market median
-110% vs market
20212025
Equity ratio
48.8%
This company
38.2%
Market median
+28% vs market
20212025
Return on equity
1.3%
This company
18.4%
Market median
-93% vs market
20212025
Net profit margin
0.5%
This company
8.1%
Market median
-94% vs market
20212025
Asset turnover
1.34×
This company
1.12×
Market median
+20% vs market
20212025
Debt / equity
1.05×
This company
0.62×
Market median
-69% vs market
20212025
- Annual report 2025Filed via PRH / YTJ · Period 2024-12-01 – 2025-11-30
- Annual report 2024Filed via PRH / YTJ · Period 2023-12-01 – 2024-11-30
- Annual report 2023Filed via PRH / YTJ · Period 2022-12-01 – 2023-11-30
- Annual report 2022Filed via PRH / YTJ · Period 2021-12-01 – 2022-11-30
- Annual report 2021Filed via PRH / YTJ · Period 2020-12-01 – 2021-11-30
| Name | Role | Member since |
|---|---|---|
| Current (4) | ||
KB Deputy auditor | Deputy auditor | 2022 |
IA Deputy Member | Deputy Member | 2022 |
TM Audit | Audit | 2022 |
PS Chief Executive Officer | Chief Executive Officer | 2011 |
| Former (1) | ||
JM Deputy Member | Deputy Member | 2011 – 2022 |
No data on file.
No shareholder data available.
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No registered parent or subsidiaries
Board members of Matti Saarnio Oy also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Kati Birgitta Mäntylä | Deputy auditor | 0 companies |
| Iris Anniina Saarnio | Deputy Member | 0 companies |
| Juha Matti Saarnio | Deputy Member | 0 companies |
| Tiina Maria Ventelä | Audit | 0 companies |
| Pertti Sami Saarnio | Chief Executive Officer | 0 companies |