Riskpilot← Back to searchSign inGet full accessSAV-Rahoitus Oyj
OYJActiveY-tunnus 1945493-4Mikonkatu 8-AOther credit granting · NACE 6492Est. 2005— employeeswww.savrahoitus.fi
Revenue 2024
EUR 14
-100% vs 2023
EBITDA margin
367007.1%
+107% vs 2023
Equity ratio
9.3%
Financial strength
Net profit 2024
EUR -10
+100% vs 2023
| Revenue | EUR 14 | -100% |
| EBITDA | EUR 51K | +107% |
| Net profit | EUR -10 | +100% |
| Total assets | EUR 18,9M | -28% |
| Equity | EUR 1,7M | -37% |
| Employees | — | — |
Legal name
SAV-Rahoitus Oyj
Y-tunnus number
1945493-4
Legal form
Julkinen osakeyhtiö
NACE code
6492 · Other credit granting
Founded
31. tammikuuta 2005
Share capital
EUR 100 000
Employees
—
VAT registered
No
Audit selected
No
Last report
2024-12-31
Financial year
January – December
Signatory rights
Hallituksen puheenjohtaja ja toimitusjohtaja kumpikin yksin ja hallituksen jäsenet kaksi yhdessä
Company purpose
Yhtiön toimialana on rahoituspalveluiden tarjoaminen. Yhtiö harjoittaa vakuutusedustuksesta annetun lain mukaista vakuutusasiamiestoimintaa. Lisäksi yhtiön toimialana on ajoneuvokaupan erityis- ja asiantuntijapalveluiden tuottaminen; osamaksusopimukset, niiden laatiminen ja siirtäminen sekä kauppa; rekisteröintipalvelut; likviditeettipalvelut; vakuuksien antaminen ja välittäminen; ajoneuvojen maahantuonti ja kauppa; ajoneuvoihin ja liikenteeseen liittyvien tuotteiden ja palvelujen kauppa ja välitys, sekä näihin liittyvät tietotekniset palvelut.
Address
Mikonkatu 8-A
Email
info@savrahoitus.fi
Website
www.savrahoitus.fi
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| Item | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Revenue | 2 919 | 3 560 | 2 830 | 4 518 | 0 |
| Staff expenses | −456 | −361 | −621 | −588 | −307 |
| EBITDA | −260 | −365 | −729 | −701 | 51 |
| Depreciation & amort. | −39 | −42 | −52 | −140 | −51 |
| EBIT | −299 | −406 | −781 | −841 | −0 |
| Net financials | 850 | 867 | 977 | 273 | −26 |
| Profit before tax | 552 | 461 | 196 | −382 | −0 |
| Tax | 110 | 95 | 39 | −103 | −0 |
| Net profit | 441 | 366 | 157 | −485 | −0 |
| Item | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Total assets | 32 844 | 32 864 | 30 077 | 26 265 | 18 893 |
| Equity | 3 507 | 3 873 | 4 183 | 2 764 | 1 748 |
| Long-term debt | 16 061 | 28 763 | 25 608 | 0 | 17 000 |
| Short-term debt | 13 276 | 228 | 286 | 352 | 145 |
| Total debt | 29 337 | 28 991 | 25 894 | 23 501 | 17 145 |
EBITDA margin
367007.1%
This company
15.8%
Market median
+2322730% vs market
20202024
Equity ratio
9.3%
This company
38.2%
Market median
-76% vs market
20202024
Return on equity
-0.0%
This company
18.4%
Market median
-100% vs market
20202024
Net profit margin
-71.4%
This company
8.1%
Market median
-981% vs market
20202024
Asset turnover
0.00×
This company
1.12×
Market median
-100% vs market
20202024
Debt / equity
9.81×
This company
0.62×
Market median
-1482% vs market
20202024
- 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
- 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
| Name | Role | Member since |
|---|---|---|
| Current (1) | ||
HV Chief Executive Officer | Chief Executive Officer | 2022 |
| Former (4) | ||
TU Chief Executive Officer | Chief Executive Officer | 2017 – 2021 |
PS | Audit | 2014 – 2019 |
FV | Audit | 2019 – 2022 |
| Audit | 2022 – 2023 | |
| Name | Role | Member since |
|---|---|---|
| Current (2) | ||
| Board of Directors | 2025 | |
| Chairperson | 2025 | |
| Former (5) | ||
| Chairperson | 2020 – 2025 | |
| Board of Directors | 2018 – 2019 | |
| Board of Directors | 2018 – 2023 | |
| Board of Directors | 2018 – 2024 | |
| Chairperson | 2018 – 2019 | |
No shareholder data available.
Beneficial ownership (UBO) data access is restricted in Denmark as of September 2025 per the EU 6th AML Directive. Learn more.
No registered parent or subsidiaries
Board members of SAV-Rahoitus Oyj also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Timo Uolevi Järvinen | Chief Executive Officer | 0 companies |
| Pauli Seppo Sakari Salminen | Audit | 0 companies |
| Fredrik Vilhelm Westerholm | Audit | 0 companies |
| Tuomas Antti Akseli Ilveskoski | Audit | 0 companies |
| Harri Valtter Kalliokoski | Chief Executive Officer | 0 companies |
| Daniel Pasternack | Chairperson | 0 companies |
| Kari-Mikael Ensio Markkanen | Board of Directors | 0 companies |
| Toni Viljami Iivonen | Board of Directors | 0 companies |
| Pasi Petteri Sydänlammi | Board of Directors | 0 companies |
| Henri Sebastian Norres | Board of Directors | 0 companies |
| Kari Antero Juurakko | Chairperson | 0 companies |
| Mika Henrik Taberman | Chairperson | 0 companies |