Riskpilot← Back to searchSign inGet full accessCertum Finance Oy
OYActiveY-tunnus 2524152-1Pitkäkatu 62Other activities auxiliary to financial services, except insurance and pension funding · NACE 6619Est. 2013— employeeswww.certum.fi
Revenue 2024
EUR 1,4M
+27% vs 2023
EBITDA margin
40.0%
+13% vs 2023
Equity ratio
-8.7%
Financial strength
Net profit 2024
EUR -192K
+15% vs 2023
| Revenue | EUR 1,4M | +27% |
| EBITDA | EUR 566K | +13% |
| Net profit | EUR -192K | +15% |
| Total assets | EUR 12,8M | +6% |
| Equity | EUR -1,1M | -21% |
| Employees | — | — |
Legal name
Certum Finance Oy
Y-tunnus number
2524152-1
Legal form
Osakeyhtiö
NACE code
6619 · Other activities auxiliary to financial services, except insurance and pension funding
Founded
15. tammikuuta 2013
Share capital
EUR 2 500
Employees
—
VAT registered
No
Audit selected
No
Last report
2024-11-30
Financial year
January – December
Signatory rights
Hallituksen jäsenet ja toimitusjohtaja kukin yksin
Company purpose
Yhtiön toimialana on asiakkaisiin ja asiakassaataviin liittyvien erilaisten myynnin ja taloushallinnon palvelujen tuottaminen, kuten asiakasvalinta-, myynti-, laskutus-, reskontra-, perintä- ja juridisten palvelujen tuottaminen sekä saatavien ostaminen, myyminen ja muu siirtäminen, saatavien hallinnointi, rahoitustoiminta. Yhtiö voi edellä mainitun liiketoiminnan tukemiseksi toimia myös muilla liiketoiminnan aloilla. Yhtiö voi toimintaansa varten omistaa ja hallita kiinteistöjä.
Address
Pitkäkatu 62
Phone
+3580105678803
Email
rahoitus@certum.fi
Website
www.certum.fi
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| Item | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Revenue | 706 | 394 | 580 | 1 110 | 1 414 |
| Staff expenses | — | — | −13 | −112 | −193 |
| EBITDA | 493 | 131 | 309 | 500 | 566 |
| Depreciation & amort. | −23 | −56 | −53 | −54 | −54 |
| EBIT | 470 | 75 | 256 | 446 | 512 |
| Net financials | −650 | −150 | −873 | −671 | −704 |
| Profit before tax | −180 | −76 | −617 | −215 | −192 |
| Tax | −0 | −0 | 0 | 0 | 0 |
| Net profit | −180 | −76 | −617 | −225 | −192 |
| Item | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Total assets | 6 158 | 8 286 | 8 750 | 12 051 | 12 831 |
| Equity | −7 | −83 | −375 | −925 | −1 117 |
| Long-term debt | 3 894 | 5 560 | 8 352 | 12 440 | 13 492 |
| Short-term debt | 2 271 | 2 809 | 773 | 537 | 456 |
| Total debt | 6 165 | 8 369 | 9 125 | 12 976 | 13 948 |
EBITDA margin
40.0%
This company
15.8%
Market median
+153% vs market
20202024
Equity ratio
-8.7%
This company
38.2%
Market median
-123% vs market
20202024
Return on equity
-19163400.0%
This company
18.4%
Market median
-104149013% vs market
20202024
Net profit margin
-13.6%
This company
8.1%
Market median
-268% vs market
20202024
Asset turnover
0.11×
This company
1.12×
Market median
-90% vs market
20202024
Debt / equity
12.49×
This company
0.62×
Market median
-1915% vs market
20202024
- Annual report 2024Filed via PRH / YTJ · Period 2023-12-01 – 2024-11-30
- Annual report 2023Filed via PRH / YTJ · Period 2022-12-01 – 2023-11-30
- Annual report 2022Filed via PRH / YTJ · Period 2021-12-01 – 2022-11-30
- Annual report 2021Filed via PRH / YTJ · Period 2020-12-01 – 2021-11-30
- Annual report 2020Filed via PRH / YTJ · Period 2019-07-01 – 2020-11-30
| Name | Role | Member since |
|---|---|---|
| Current (2) | ||
MC Deputy auditor | Deputy auditor | 2024 |
RT Deputy Member | Deputy Member | 2022 |
| Former (5) | ||
MS | Audit | 2022 – 2024 |
JV Audit | Audit | 2024 – 2025 |
HA | Audit | 2018 – 2021 |
JA Deputy auditor | Deputy auditor | 2022 – 2023 |
KA Deputy Member | Deputy Member | 2014 – 2022 |
| Name | Role | Member since |
|---|---|---|
| Current (1) | ||
| Board of Directors | 2022 | |
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 Certum Finance Oy also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Martta Siiri Maria Hakala | Audit | 0 companies |
| Marko Christian Saxell | Deputy auditor | 0 companies |
| Juho Veli Saarinen | Audit | 0 companies |
| Rami Tapani Kolkka | Deputy Member | 0 companies |
| Heidi Aino Marjatta Siuko | Audit | 0 companies |
| Jukka Antero Prepula | Deputy auditor | 0 companies |
| Kari Antero Pöntinen | Deputy Member | 0 companies |
| Jussi Pekka Pöntinen | Board of Directors | 0 companies |