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OYDissolvedY-tunnus 2046017-8Yrjönkatu 11-BOther financial service activities, except insurance and pension funding n.e.c. · NACE 6499Est. 2006— employeeswww.smartum.fi
Revenue 2022
EUR 4,3M
-39% vs 2021
EBITDA margin
438.7%
+506% vs 2021
Equity ratio
90.4%
Financial strength
Net profit 2022
EUR 16M
+317% vs 2021
| Revenue | EUR 4,3M | -39% |
| EBITDA | EUR 19M | +506% |
| Net profit | EUR 16M | +317% |
| Total assets | EUR 23,2M | -61% |
| Equity | EUR 21M | +205% |
| Employees | — | — |
Legal name
Smart Money Oy
Y-tunnus number
2046017-8
Legal form
Osakeyhtiö
NACE code
6499 · Other financial service activities, except insurance and pension funding n.e.c.
Founded
28. kesäkuuta 2006
Share capital
EUR 2 950 000
Employees
—
VAT registered
No
Audit selected
No
Last report
2022-12-31
Financial year
January – December
Signatory rights
Hallituksen puheenjohtaja ja toimitusjohtaja kumpikin yksin ja hallituksen jäsenet kaksi yhdessä
Company purpose
Yhtiön toimialana on maksu- ja luottovälineratkaisujen sekä sähköisten palvelujärjestelmien myynti, kehittäminen ja ylläpito, sähköisen rahan ja sähköisten maksuvälineiden liikkeelle lasku ja myynti. Yhtiö harjoittaa lisäksi sijoitus-, rahoitus-, leasing-, takaus-, vuokraus-, ja rakennuttamistoimintaa. Toimintoihin sisältyy koulutus, konsultointi, markkinointi, alaan liittyvien laitteiden, ohjelmistojen ja tarvikkeiden tuonti ja vienti. Yhtiö voi toimia rahankeräysten käytännön toimeenpanijana. Lisäksi yhtiö voi harjoittaa verkkokauppatoimintaa. Yhtiö voi omistaa ja hallita arvopapereita ja kiinteistöjä.
Address
Yrjönkatu 11-B
Phone
+358207541500
Website
www.smartum.fi
Risika for professionals
Risika provides regulated workflow tools for finance, procurement and compliance teams that need monitoring, alerts and an API.
| Item | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|
| Revenue | 8 826 | 8 019 | 7 982 | 7 115 | 4 331 |
| Staff expenses | −2 813 | −3 027 | −2 893 | −2 661 | −2 543 |
| EBITDA | 1 343 | 1 786 | 2 772 | 3 134 | 18 997 |
| Depreciation & amort. | −456 | −256 | −462 | −332 | −361 |
| EBIT | 887 | 1 530 | 2 310 | 2 802 | 18 635 |
| Net financials | 844 | 1 523 | 1 671 | 1 187 | −376 |
| Profit before tax | 353 | 2 714 | 3 879 | 3 845 | 16 659 |
| Tax | 14 | 13 | 8 | −0 | 613 |
| Net profit | 339 | 2 701 | 3 872 | 3 845 | 16 046 |
| Item | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|
| Total assets | 59 699 | 59 510 | 63 330 | 59 481 | 23 189 |
| Equity | 3 517 | 5 840 | 6 976 | 6 873 | 20 971 |
| Long-term debt | — | — | — | — | — |
| Short-term debt | 56 184 | 53 671 | 56 355 | 52 609 | 2 217 |
| Total debt | 56 184 | 53 671 | 56 355 | 52 609 | 2 217 |
EBITDA margin
438.7%
This company
15.8%
Market median
+2677% vs market
20182022
Equity ratio
90.4%
This company
38.2%
Market median
+137% vs market
20182022
Return on equity
76.5%
This company
18.4%
Market median
+316% vs market
20182022
Net profit margin
370.5%
This company
8.1%
Market median
+4474% vs market
20182022
Asset turnover
0.19×
This company
1.12×
Market median
-83% vs market
20182022
Debt / equity
0.11×
This company
0.62×
Market median
+82% vs market
20182022
- 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
- Annual report 2018Filed via PRH / YTJ · Period 2018-01-01 – 2018-12-31
| Name | Role | Member since |
|---|---|---|
| Current (1) | ||
ML Confidential Clerk | Confidential Clerk | 2020 |
| Former (5) | ||
JP Audit | Audit | 2013 – 2020 |
LK Chief Executive Officer | Chief Executive Officer | 2020 – 2022 |
SE Confidential Clerk | Confidential Clerk | 2018 – 2020 |
KP Audit | Audit | 2020 – 2022 |
RT | Audit | 2022 – 2023 |
| Name | Role | Member since |
|---|---|---|
| Current (3) | ||
| Board of Directors | 2022 | |
| Chairperson | 2022 | |
| Board of Directors | 2018 | |
| Former (9) | ||
| Board of Directors | 2018 – 2022 | |
| Board of Directors | 2018 – 2019 | |
| Board of Directors | 2018 – 2021 | |
| Chairperson | 2018 – 2019 | |
| Board of Directors | 2022 – 2022 | |
| Board of Directors | 2021 – 2022 | |
| Board of Directors | 2018 – 2021 | |
| Board of Directors | 2021 – 2022 | |
| Board of Directors | 2018 – 2019 | |
No shareholder data available.
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No registered parent or subsidiaries
Board members of Smart Money Oy also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Jyri Pekka Heikkinen | Audit | 0 companies |
| Laura Kristiina Lindh | Chief Executive Officer | 0 companies |
| Suvi Eveliina Widgrén | Confidential Clerk | 0 companies |
| Karl Petter Lindeman | Audit | 0 companies |
| Martti Lehtinen | Confidential Clerk | 0 companies |
| Riitta Talvikki Ulvinen | Audit | 0 companies |
| Sonja Maaria Sisko Hyökyvaara | Board of Directors | 0 companies |
| Aki Pasinpoika Riihilahti | Board of Directors | 0 companies |
| Aarne Antero Aktan | Board of Directors | 0 companies |
| Jorma Petri Hyökyvaara | Board of Directors | 0 companies |
| Emma Jessica Hyökyvaara | Chairperson | 0 companies |
| Jarmo Ilari Hyökyvaara | Chairperson | 0 companies |
| Osmo Heikki Kristian Soininvaara | Board of Directors | 0 companies |
| Maria Katariina Fyrstén | Board of Directors | 0 companies |
| Taru Annikki Tujunen | Board of Directors | 0 companies |
| Lauri Tapio Toivonen | Board of Directors | 0 companies |
| Merja Hannele Fischer | Board of Directors | 0 companies |
| Anni Johanna Hyökyvaara | Board of Directors | 0 companies |