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OYJActiveY-tunnus 2122839-7Lutakonaukio 7Other activities auxiliary to financial services, except insurance and pension funding · NACE 6619Est. 200714 employees
Revenue 2025
EUR 51,6M
+112129941% vs 2024
EBITDA margin
49.7%
+42% vs 2024
Equity ratio
88.6%
Financial strength
Net profit 2025
EUR 16,6M
+118645736% vs 2024
| Revenue | EUR 51,6M | +112129941% |
| EBITDA | EUR 25,6M | +42% |
| Net profit | EUR 16,6M | +118645736% |
| Total assets | EUR 66,4M | +36% |
| Equity | EUR 58,9M | +39% |
| Employees | 14 | — |
Legal name
Paytrail Oyj
Y-tunnus number
2122839-7
Legal form
Julkinen osakeyhtiö
NACE code
6619 · Other activities auxiliary to financial services, except insurance and pension funding
Founded
14. kesäkuuta 2007
Share capital
EUR 142 500
Employees
14 (FTE)
VAT registered
No
Audit selected
No
Last report
2025-12-31
Financial year
January – December
Signatory rights
Hallituksen jäsen ja toimitusjohtaja yhdessä sekä hallituksen jäsenet kaksi yhdessä
Company purpose
Yhtiön toimialana on maksulaitoslaissa (297/2010) tarkoitettu maksupalvelun tarjoaminen sekä rahoitusta ja sijoitusta palveleva toiminta, ohjelmistojen suunnittelu, valmistus, myynti, jakelu, ylläpito ja koulutus sekä ohjelmistopalveluiden tarjoaminen ja konsultointi. Yhtiön tarjoamat maksupalvelut käyvät ilmi Finanssivalvonnan maksulaitosrekisteristä. Yhtiöllä on oikeus hallita ja omistaa kiinteistöjä sekä osakkeita ja käydä niillä kauppaa. Yhtiö voi harjoittaa arvopaperikauppaa.
Address
Lutakonaukio 7
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 | 21 161 | 33 953 | 43 545 | 0 | 51 580 |
| Staff expenses | −1 263 | −1 602 | −0 | −0 | −5 039 |
| EBITDA | 10 443 | 13 180 | 18 944 | 18 067 | 25 645 |
| Depreciation & amort. | −25 | −19 | −4 787 | −0 | −4 498 |
| EBIT | 10 418 | 13 160 | 14 157 | 18 067 | 21 147 |
| Net financials | −869 | −1 149 | −1 195 | 0 | 24 |
| Profit before tax | 8 821 | 8 252 | 12 962 | 18 067 | 21 171 |
| Tax | 1 910 | 2 406 | 0 | 0 | 4 561 |
| Net profit | 6 911 | 5 846 | 9 942 | 0 | 16 610 |
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total assets | 77 584 | 58 888 | 41 042 | 48 830 | 66 437 |
| Equity | 16 351 | 22 198 | 28 251 | 42 267 | 58 878 |
| Long-term debt | 36 247 | 24 501 | 6 501 | −0 | 254 |
| Short-term debt | 24 985 | 12 190 | 5 127 | −0 | 6 816 |
| Total debt | 61 232 | 36 691 | 12 791 | 6 563 | 7 560 |
EBITDA margin
49.7%
This company
15.8%
Market median
+215% vs market
20212025
Equity ratio
88.6%
This company
38.2%
Market median
+132% vs market
20212025
Return on equity
28.2%
This company
18.4%
Market median
+53% vs market
20212025
Net profit margin
32.2%
This company
8.1%
Market median
+298% vs market
20212025
Asset turnover
0.78×
This company
1.12×
Market median
-30% vs market
20212025
Debt / equity
0.13×
This company
0.62×
Market median
+79% vs market
20212025
- 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
- Annual report 2021Filed via PRH / YTJ · Period 2021-01-01 – 2021-12-31
| Name | Role | Member since |
|---|---|---|
| Current (1) | ||
JM Chief Executive Officer | Chief Executive Officer | 2012 |
| Former (2) | ||
MA | Audit | 2020 – 2023 |
JS Audit | Audit | 2015 – 2020 |
| Name | Role | Member since |
|---|---|---|
| Current (3) | ||
| Chairperson | 2025 | |
| Board of Directors | 2023 | |
| Board of Directors | 2025 | |
| Former (9) | ||
| Chairperson | 2020 – 2020 | |
| Chairperson | 2020 – 2023 | |
| Board of Directors | 2020 – 2023 | |
| Chairperson | 2018 – 2020 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2023 – 2025 | |
| Board of Directors | 2020 – 2023 | |
| Board of Directors | 2020 – 2023 | |
No shareholder data available.
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Paytrail Oyj 
Checkout Finland OyBoard members of Paytrail Oyj also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Martin Andreas Grandell | Audit | 0 companies |
| Juha Sakari Wahlroos | Audit | 0 companies |
| Juha Markus Laurio | Chief Executive Officer | 0 companies |
| Carsten Höltkemeyer | Chairperson | 0 companies |
| Christian Kongsgaard Brunhøj | Chairperson | 0 companies |
| Jørgen Janus Roijer Hillerup | Board of Directors | 0 companies |
| Bo Einar Lohmann Nilsson | Chairperson | 0 companies |
| Klaus Pedersen | Board of Directors | 0 companies |
| Jan Fredrik Lundeqvist | Board of Directors | 0 companies |
| Olawale Oluwagbenga Ojo | Board of Directors | 0 companies |
| Martin Skov | Board of Directors | 0 companies |
| Stefan Cyron | Chairperson | 0 companies |
| Omar Haque | Board of Directors | 0 companies |
| Maria Cecilia Bardram | Board of Directors | 0 companies |
| Sami Antero Kankkunen | Board of Directors | 0 companies |