Riskpilot← Back to searchSign inGet full accessFreedom Rahoitus Oy
OYActiveY-tunnus 2207313-9Kalevankatu 6Other activities auxiliary to financial services, except insurance and pension funding · NACE 6619Est. 2008— employeeswww.zmarta.fi
Revenue 2023
EUR 5,7M
-13% vs 2022
EBITDA margin
-9.5%
+21% vs 2022
Equity ratio
13.9%
Financial strength
Net profit 2023
EUR -540K
+25% vs 2022
| Revenue | EUR 5,7M | -13% |
| EBITDA | EUR -540K | +21% |
| Net profit | EUR -540K | +25% |
| Total assets | EUR 897K | -32% |
| Equity | EUR 125K | +224% |
| Employees | — | — |
Legal name
Freedom Rahoitus Oy
Y-tunnus number
2207313-9
Legal form
Osakeyhtiö
NACE code
6619 · Other activities auxiliary to financial services, except insurance and pension funding
Founded
11. heinäkuuta 2008
Share capital
EUR 2 500
Employees
—
VAT registered
No
Audit selected
No
Last report
2023-12-31
Financial year
January – December
Signatory rights
Toimitusjohtaja yksin ja hallituksen jäsenet kaksi yhdessä
Company purpose
Yhtiön toimialana on rahoitus- ja vakuutuspalveluiden välittäminen. Lisäksi yhtiön toimialana on vakuutusasiamiesten- ja välittäjien toiminnan harjoittaminen.
Address
Kalevankatu 6
Email
info@zmarta.fi
Website
www.zmarta.fi
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| Item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Revenue | 9 947 | 9 275 | 8 223 | 7 042 | 6 528 | 5 698 |
| Staff expenses | −1 821 | −1 767 | −1 722 | −1 887 | −1 725 | −1 247 |
| EBITDA | 1 571 | 634 | −1 138 | −2 355 | −682 | −540 |
| Depreciation & amort. | −3 | −13 | −14 | −15 | −8 | −6 |
| EBIT | 1 568 | 620 | −1 153 | −2 370 | −690 | −546 |
| Net financials | 18 | 42 | 239 | −19 | −21 | 0 |
| Profit before tax | 1 586 | 656 | −918 | −2 394 | −716 | −546 |
| Tax | 320 | 137 | 1 | 2 | 1 | −7 |
| Net profit | 1 266 | 519 | −919 | −2 396 | −717 | −540 |
| Item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Total assets | 4 607 | 4 665 | 4 982 | 1 936 | 1 323 | 897 |
| Equity | 3 413 | 3 932 | 3 012 | 617 | −101 | 125 |
| Long-term debt | — | — | — | — | — | 0 |
| Short-term debt | 1 195 | 734 | 1 970 | 1 319 | 1 423 | 773 |
| Total debt | 1 195 | 734 | 1 970 | 1 319 | 1 423 | 773 |
EBITDA margin
-9.5%
This company
15.8%
Market median
-160% vs market
20182023
Equity ratio
13.9%
This company
38.2%
Market median
-64% vs market
20182023
Return on equity
-433.5%
This company
18.4%
Market median
-2456% vs market
20182023
Net profit margin
-9.5%
This company
8.1%
Market median
-217% vs market
20182023
Asset turnover
6.35×
This company
1.12×
Market median
+467% vs market
20182023
Debt / equity
6.21×
This company
0.62×
Market median
-902% vs market
20182023
- 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
- Annual report 2018Filed via PRH / YTJ · Period 2018-01-01 – 2018-12-31
| Name | Role | Member since | Age | Other directorships |
|---|---|---|---|---|
JO Chief Executive Officer | Chief Executive Officer | 2021 | — | — |
TM | Audit | 2014 | — | — |
TI Chief Executive Officer | Chief Executive Officer | 2016 | — | — |
PC | Audit | 2021 | — | — |
| Name | Role | Member since | Age | Other directorships |
|---|---|---|---|---|
| Chairperson | 2025 | — | — | |
| Board of Directors | 2021 | — | — | |
| Board of Directors | 2019 | — | — | |
| Board of Directors | 2022 | — | — | |
| Board of Directors | 2022 | — | — | |
| Chairperson | 2016 | — | — | |
| Board of Directors | 2022 | — | — | |
| Board of Directors | 2021 | — | — | |
| Board of Directors | 2020 | — | — | |
| Board of Directors | 2025 | — | — | |
| Board of Directors | 2021 | — | — | |
| Board of Directors | 2023 | — | — | |
| Board of Directors | 2016 | — | — | |
| Board of Directors | 2025 | — | — | |
| Board of Directors | 2016 | — | — | |
| Chairperson | 2019 | — | — | |
| Board of Directors | 2020 | — | — |
| Shareholder | Type | Ownership | Votes | Since |
|---|---|---|---|---|
Freedom Rahoitus Holdings Oy | Company | 100.0% | 100.0% | 2023 |
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Freedom Rahoitus Holdings Oy
Freedom Rahoitus Oy Board members of Freedom Rahoitus Oy also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Jaakko Olavi Kivikuja | Chief Executive Officer | 0 companies |
| Tomi Markus Liukkonen | Audit | 0 companies |
| Tuomas Ilmari Riski | Chief Executive Officer | 0 companies |
| Per Christian Hällström | Audit | 0 companies |
| Jostein Christian Dalland | Chairperson | 0 companies |
| Carl Agne Arnesson | Board of Directors | 0 companies |
| Karl Erik Källmin | Board of Directors | 0 companies |
| Matthias Lenz | Board of Directors | 0 companies |
| Elsa Louise Helena Bjärtun | Board of Directors | 0 companies |
| Björn Olof Lander | Chairperson | 0 companies |
| Anna Catharina Skommevik | Board of Directors | 0 companies |
| Morten Heuing | Board of Directors | 0 companies |
| Jan Tobias Winberg | Board of Directors | 0 companies |
| Carl Frederik Leetmaa Murmann | Board of Directors | 0 companies |
| Niklas Sven Jansson | Board of Directors | 0 companies |
| Malin Kristina Holmqvist Önnby | Board of Directors | 0 companies |
| Per Emil Moberg | Board of Directors | 0 companies |
| Sverre Andre Wallem-Mehn | Board of Directors | 0 companies |
| Joakim Hampus Lundqvist | Board of Directors | 0 companies |
| Gustav Erik Ray Berghog | Chairperson | 0 companies |
| Gerd Ulla Elisabeth Hellberg | Board of Directors | 0 companies |