Riskpilot← Back to searchSign inGet full accessSäästöpankkipalvelut Oy
OYActiveY-tunnus 2204659-5Teollisuuskatu 33Other activities auxiliary to financial services, except insurance and pension funding · NACE 6619Est. 2008— employees
Revenue 2025
EUR 16,2M
+13% vs 2024
EBITDA margin
1.9%
-53% vs 2024
Equity ratio
18.3%
Financial strength
Net profit 2025
EUR 180K
-58% vs 2024
| Revenue | EUR 16,2M | +13% |
| EBITDA | EUR 307K | -53% |
| Net profit | EUR 180K | -58% |
| Total assets | EUR 10,9M | +5% |
| Equity | EUR 2M | +10% |
| Employees | — | — |
Legal name
Säästöpankkipalvelut Oy
Y-tunnus number
2204659-5
Legal form
Osakeyhtiö
NACE code
6619 · Other activities auxiliary to financial services, except insurance and pension funding
Founded
26. kesäkuuta 2008
Share capital
EUR 30 000
Employees
—
VAT registered
No
Audit selected
No
Last report
2025-12-31
Financial year
January – December
Signatory rights
Hallituksen puheenjohtaja ja toimitusjohtaja kumpikin yksin ja hallituksen jäsenet kaksi yhdessä
Company purpose
Yhtiön toimialana on tuottaa osakassäästöpankeille ja mahdollisille muille tahoille pankkiliiketoiminnan taustatehtävä- ja tukipalveluita, taloushallinnon palveluita sekä muita finanssitoimialaan liittyviä tehtäviä sekä toimia tukitoimintojen osaamiskeskuksena. Lisäksi yhtiö edustaa pankkeja viranomaisissa raportointiin ja viranomaisselvittelyihin liittyvissä asioissa.
Address
Teollisuuskatu 33
Phone
+3580108415913
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 | 11 631 | 12 668 | 12 513 | 14 400 | 16 241 |
| Staff expenses | −9 220 | −9 867 | −9 831 | −11 126 | −12 979 |
| EBITDA | 220 | 572 | 279 | 646 | 307 |
| Depreciation & amort. | −73 | −78 | −134 | −144 | −145 |
| EBIT | 146 | 493 | 145 | 501 | 161 |
| Net financials | −10 | −111 | −3 | 33 | 64 |
| Profit before tax | 136 | 382 | 142 | 534 | 225 |
| Tax | 28 | 98 | 29 | 106 | 45 |
| Net profit | 108 | 285 | 113 | 428 | 180 |
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total assets | 3 294 | 3 453 | 9 625 | 10 381 | 10 867 |
| Equity | 989 | 1 274 | 1 387 | 1 814 | 1 994 |
| Long-term debt | — | — | 6 000 | 6 000 | 6 000 |
| Short-term debt | 2 305 | 2 179 | 2 238 | 2 567 | 2 873 |
| Total debt | 2 305 | 2 179 | 8 238 | 8 567 | 8 873 |
EBITDA margin
1.9%
This company
15.8%
Market median
-88% vs market
20212025
Equity ratio
18.3%
This company
38.2%
Market median
-52% vs market
20212025
Return on equity
9.0%
This company
18.4%
Market median
-51% vs market
20212025
Net profit margin
1.1%
This company
8.1%
Market median
-86% vs market
20212025
Asset turnover
1.49×
This company
1.12×
Market median
+33% vs market
20212025
Debt / equity
4.45×
This company
0.62×
Market median
-618% 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 (2) | ||
TO Deputy Chief Executive Officer | Deputy Chief Executive Officer | 2026 |
| Audit | 2014 | |
| Former (4) | ||
KM Deputy Chief Executive Officer | Deputy Chief Executive Officer | 2023 – 2023 |
KK Chief Executive Officer | Chief Executive Officer | 2020 – 2026 |
JL Person with significant control | Person with significant control | 2019 – 2023 |
TP Chief Executive Officer | Chief Executive Officer | 2016 – 2020 |
| Name | Role | Member since |
|---|---|---|
| Current (5) | ||
| Board of Directors | 2024 | |
| Board of Directors | 2025 | |
| Board of Directors | 2024 | |
| Board of Directors | 2023 | |
| Chairperson | 2023 | |
| Former (15) | ||
| Board of Directors | 2018 – 2019 | |
| Board of Directors | 2022 – 2025 | |
| Board of Directors | 2019 – 2020 | |
| Board of Directors | 2018 – 2019 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2019 – 2020 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2020 – 2021 | |
| Board of Directors | 2019 – 2020 | |
| Chairperson | 2018 – 2021 | |
| Board of Directors | 2022 – 2023 | |
| Board of Directors | 2021 – 2023 | |
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 Säästöpankkipalvelut Oy also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Kirsi Marjut Pusa | Deputy Chief Executive Officer | 0 companies |
| Kaisa Karoliina Tähtinen | Chief Executive Officer | 0 companies |
| Juho Lauri Olavi Koli | Person with significant control | 0 companies |
| Tuula Orvokki Karjalainen | Deputy Chief Executive Officer | 0 companies |
| Henry Johannes Kullervo Maarala | Audit | 0 companies |
| Tero Pekka Niemi | Chief Executive Officer | 0 companies |
| Toivo Mikael Alarautalahti | Board of Directors | 0 companies |
| Tiina Maria Haapakoski | Board of Directors | 0 companies |
| Satu Johanna Wennberg | Board of Directors | 0 companies |
| Harri Tapani Vaarasalo | Board of Directors | 0 companies |
| Sari Maarit Ruusola | Board of Directors | 0 companies |
| Esaheikki Jäntti | Board of Directors | 0 companies |
| Heikki Tuomas Paasonen | Board of Directors | 0 companies |
| Sami Kalevi Iltanen | Board of Directors | 0 companies |
| Paula Johanna Suvanto | Board of Directors | 0 companies |
| Jani Henri Pekka Eenola | Board of Directors | 0 companies |
| Pipsa Ritva Susanna Sivula | Board of Directors | 0 companies |
| Petri Juhani Korolainen | Board of Directors | 0 companies |
| Anita Susanne Aalto | Board of Directors | 0 companies |
| Tomi Tapani Närhinen | Board of Directors | 0 companies |
| Petri Johan Siviranta | Chairperson | 0 companies |
| Ari Jukka Jutila | Board of Directors | 0 companies |
| Anna-Kaisa Katriina Packalén | Board of Directors | 0 companies |
| Ville Antero Mikkola | Board of Directors | 0 companies |
| Margit Annamari Malm | Chairperson | 0 companies |
| Markus Juhani Lauri | Board of Directors | 0 companies |