Riskpilot← Back to searchSign inGet full accessUB Life Oy
OYDissolvedY-tunnus 1612465-7Aleksanterinkatu 21-AOther activities auxiliary to financial services, except insurance and pension funding · NACE 6619Est. 20002 employeeswww.unitedbankers.fi
Revenue 2023
EUR 651K
-31% vs 2022
EBITDA margin
-13.9%
-362% vs 2022
Equity ratio
67.3%
Financial strength
Net profit 2023
EUR 4K
+4% vs 2022
| Revenue | EUR 651K | -31% |
| EBITDA | EUR -90K | -362% |
| Net profit | EUR 4K | +4% |
| Total assets | EUR 326K | -15% |
| Equity | EUR 220K | +2% |
| Employees | 2 | — |
Legal name
UB Life Oy
Y-tunnus number
1612465-7
Legal form
Osakeyhtiö
NACE code
6619 · Other activities auxiliary to financial services, except insurance and pension funding
Founded
4. elokuuta 2000
Share capital
EUR 50 000
Employees
2 (FTE)
VAT registered
No
Audit selected
No
Last report
2023-12-31
Financial year
January – December
Signatory rights
Hallituksen puheenjohtaja ja toimitusjohtaja kumpikin yksin ja hallituksen jäsenet kaksi yhdessä
Company purpose
Yhtiön toimialana on rahoitusvälineitä koskevien yksilöllisten suositusten antaminen asiakkaalle tiettyä rahoitusvälinettä koskevaksi liiketoimeksi (sijoitusneuvonta), tällaisia rahoitusvälineitä koskevien toimeksiantojen vastaanottaminen ja välittäminen (toimeksiantojen välittäminen) ja näihin läheisesti liittyvien oheispalvelujen tarjoaminen siinä laajuudessa kuin tällainen toiminta on määritetty sallituksi yhtiölle tähän tarkoitukseen myönnetyssä toimiluvassa, sekä vakuutusasiamiestoiminta.
Address
Aleksanterinkatu 21-A
Phone
+358925380320
Website
www.unitedbankers.fi
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| Item | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|
| Revenue | 1 012 | 1 118 | 1 035 | 944 | 651 |
| Staff expenses | −269 | −248 | −270 | −245 | −194 |
| EBITDA | 55 | 62 | 78 | 34 | −90 |
| Depreciation & amort. | — | — | — | — | −0 |
| EBIT | 55 | 62 | 78 | 34 | 647 |
| Net financials | −0 | — | 0 | −0 | 0 |
| Profit before tax | 55 | 62 | 22 | 4 | 5 |
| Tax | 11 | 12 | 16 | 1 | 1 |
| Net profit | 43 | 49 | 6 | 4 | 4 |
| Item | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|
| Total assets | 359 | 390 | 438 | 385 | 326 |
| Equity | 156 | 206 | 212 | 216 | 220 |
| Long-term debt | — | — | — | — | 0 |
| Short-term debt | 202 | 184 | 226 | 169 | 107 |
| Total debt | 202 | 184 | 226 | 169 | 107 |
EBITDA margin
-13.9%
This company
15.8%
Market median
-188% vs market
20192023
Equity ratio
67.3%
This company
38.2%
Market median
+76% vs market
20192023
Return on equity
1.7%
This company
18.4%
Market median
-91% vs market
20192023
Net profit margin
0.6%
This company
8.1%
Market median
-93% vs market
20192023
Asset turnover
1.99×
This company
1.12×
Market median
+78% vs market
20192023
Debt / equity
0.49×
This company
0.62×
Market median
+21% vs market
20192023
- 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
- Annual report 2021Filed via PRH / YTJ · Period 2021-01-01 – 2021-12-31
- Annual report 2020Filed via PRH / YTJ · Period 2020-01-01 – 2020-12-31
- Annual report 2019Filed via PRH / YTJ · Period 2019-01-01 – 2019-12-31
| Name | Role | Member since |
|---|---|---|
| Former (2) | ||
JH Chief Executive Officer | Chief Executive Officer | 2019 – 2023 |
JK Audit | Audit | 2018 – 2023 |
| Name | Role | Member since |
|---|---|---|
| Current (3) | ||
| Chairperson | 2023 | |
| Board of Directors | 2018 | |
| Board of Directors | 2018 | |
| Former (2) | ||
| Board of Directors | 2018 – 2020 | |
| Chairperson | 2018 – 2022 | |
| Shareholder | Type | Ownership | Votes | Since |
|---|---|---|---|---|
| Company | 100% | 100% | 2023 |
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UB Pankkiiriliike Oy
UB Life Oy Board members of UB Life Oy also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Janne-Olavi Harjula | Chief Executive Officer | 0 companies |
| Janne Kari Ilari Elo | Audit | 0 companies |
| Jani Petteri Lehti | Chairperson | 0 companies |
| Heikki Kalevi Pelli | Board of Directors | 0 companies |
| John Jaakko Oskar Ojanperä | Board of Directors | 0 companies |
| Antti Juhani Asunmaa | Chairperson | 0 companies |
| Eerikki Tapani Muilu | Board of Directors | 0 companies |