Riskpilot← Back to searchSign inGet full accessS-Pankki Oyj
OYJActiveY-tunnus 2557308-3Fleminginkatu 34Other monetary intermediation · NACE 6419Est. 201339 employees
Revenue 2025
EUR 1K
EBITDA margin
100.0%
Equity ratio
—
Financial strength
Net profit 2025
EUR 1K
39 employees
| Revenue | EUR 1K | — |
| EBITDA | EUR 1K | — |
| Net profit | EUR 1K | — |
| Total assets | EUR 0 | — |
| Equity | EUR -1K | — |
| Employees | 39 | — |
Legal name
S-Pankki Oyj
Y-tunnus number
2557308-3
Legal form
Julkinen osakeyhtiö
NACE code
6419 · Other monetary intermediation
Founded
28. kesäkuuta 2013
Share capital
EUR 82 880 200
Employees
39 (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
Yhtiö on talletuspankki, joka harjoittaa luottolaitostoiminnasta annetun lain mukaista liiketoimintaa sekä kiinnitysluottopankeista ja katetuista joukkolainoista annetun lain mukaista kiinnitysluottopankkitoimintaa. Pankki tarjoaa sijoituspalvelulain 1 luvun 15 §:ssä tarkoitettuja sijoituspalveluja.
Address
Fleminginkatu 34
Phone
+358010768011
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 | 0 | 0 | 0 | 0 | 1 |
| Staff expenses | −0 | −59 | −0 | −0 | −0 |
| EBITDA | 0 | −226 | 0 | 0 | 1 |
| Depreciation & amort. | −0 | −12 | −0 | −0 | −0 |
| EBIT | 0 | −238 | 0 | 0 | 1 |
| Net financials | 0 | 313 | 0 | 0 | 0 |
| Profit before tax | 0 | 74 | 0 | 0 | 1 |
| Tax | −0 | 9 | −0 | −0 | −0 |
| Net profit | — | 66 | 0 | 0 | 1 |
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total assets | 0 | 29 | 10 070 | 0 | 0 |
| Equity | 0 | 524 | 0 | 0 | −1 |
| Long-term debt | 0 | — | 0 | 0 | 0 |
| Short-term debt | 0 | 519 | 0 | 0 | 2 |
| Total debt | 0 | 520 | 0 | 0 | 2 |
EBITDA margin
100.0%
This company
15.8%
Market median
+533% vs market
20212025
Equity ratio
-149300.0%
This company
38.2%
Market median
-390938% vs market
20212025
Return on equity
131100.0%
This company
18.4%
Market median
+712400% vs market
20212025
Net profit margin
100.0%
This company
8.1%
Market median
+1135% vs market
20212025
Asset turnover
1311.00×
This company
1.12×
Market median
+116954% vs market
20212025
Debt / equity
1.00×
This company
0.62×
Market median
-61% 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 (20) | ||
MK Person with significant control | Person with significant control | 2021 |
JO Person with significant control | Person with significant control | 2024 |
EJ Person with significant control | Person with significant control | 2018 |
MO Deputy Member | Deputy Member | 2025 |
MP Person with significant control | Person with significant control | 2021 |
NP Person with significant control | Person with significant control | 2024 |
HM Person with significant control | Person with significant control | 2021 |
HA Person with significant control | Person with significant control | 2026 |
AA Person with significant control | Person with significant control | 2024 |
KM Person with significant control | Person with significant control | 2018 |
MA Person with significant control | Person with significant control | 2025 |
AN Person with significant control | Person with significant control | 2026 |
NS Person with significant control | Person with significant control | 2025 |
IE Deputy Chief Executive Officer | Deputy Chief Executive Officer | 2024 |
JA Person with significant control | Person with significant control | 2018 |
AA Person with significant control | Person with significant control | 2025 |
RM Person with significant control | Person with significant control | 2025 |
RS Chief Executive Officer | Chief Executive Officer | 2023 |
TH Person with significant control | Person with significant control | 2019 |
EA Person with significant control | Person with significant control | 2018 |
| Former (15) | ||
JJ Person with significant control | Person with significant control | 2018 – 2019 |
PJ Person with significant control | Person with significant control | 2019 – 2025 |
MC | Audit | 2014 – 2021 |
HJ Deputy Member | Deputy Member | 2018 – 2019 |
SM Person with significant control | Person with significant control | 2018 – 2024 |
MA Person with significant control | Person with significant control | 2018 – 2026 |
AP Deputy Chief Executive Officer | Deputy Chief Executive Officer | 2016 – 2021 |
PO Chief Executive Officer | Chief Executive Officer | 2016 – 2022 |
PI | Audit | 2021 – 2023 |
HH Deputy Chief Executive Officer | Deputy Chief Executive Officer | 2023 – 2023 |
HT Deputy Member | Deputy Member | 2018 – 2022 |
AM Person with significant control | Person with significant control | 2018 – 2024 |
SK Person with significant control | Person with significant control | 2018 – 2021 |
PA Deputy Member | Deputy Member | 2019 – 2021 |
AM Person with significant control | Person with significant control | 2021 – 2024 |
| Name | Role | Member since |
|---|---|---|
| Current (8) | ||
| Board of Directors | 2023 | |
| Board of Directors | 2023 | |
| Chairperson | 2018 | |
| Board of Directors | 2025 | |
| Board of Directors | 2020 | |
| Board of Directors | 2026 | |
| Board of Directors | 2021 | |
| Board of Directors | 2024 | |
| Former (8) | ||
| Board of Directors | 2020 – 2021 | |
| Board of Directors | 2018 – 2023 | |
| Board of Directors | 2018 – 2019 | |
| Board of Directors | 2018 – 2026 | |
| Board of Directors | 2019 – 2021 | |
| Board of Directors | 2018 – 2025 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2018 – 2020 | |
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 S-Pankki Oyj also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Markus Kalevi Mainio Lahtinen | Person with significant control | 0 companies |
| Jaakko Jaanos Henttonen | Person with significant control | 0 companies |
| Petri Juhana Viertiö | Person with significant control | 0 companies |
| Marcus Carl-Erik Tötterman | Audit | 0 companies |
| Hannu Juhani Krook | Deputy Member | 0 companies |
| Sanna Maria Holm | Person with significant control | 0 companies |
| Jarmo Olavi Parkkonen | Person with significant control | 0 companies |
| Eero Juha Sakari Saloranta | Person with significant control | 0 companies |
| Merja Anneli Reinilä | Person with significant control | 0 companies |
| Mikko Oskari Junttila | Deputy Member | 0 companies |
| Mika Petteri Leskinen | Person with significant control | 0 companies |
| Niko Petri Juhani Mikkola | Person with significant control | 0 companies |
| Heidi Marja Kohonen | Person with significant control | 0 companies |
| Heli Annimari Haanpää | Person with significant control | 0 companies |
| Anni Anna-Maria Hiekkanen | Person with significant control | 0 companies |
| Aki Petteri Gynther | Deputy Chief Executive Officer | 0 companies |
| Kari Mika Tapani Heikkilä | Person with significant control | 0 companies |
| Mike Antero Peltola | Person with significant control | 0 companies |
| Anu-Tuulia Nurro | Person with significant control | 0 companies |
| Pekka Olavi Ylihurula | Chief Executive Officer | 0 companies |
| Petri Ilmari Juhani Kettunen | Audit | 0 companies |
| Nina Sofia Regina Laakkonen-Lähteenmäki | Person with significant control | 0 companies |
| Hanna Helena Porkka | Deputy Chief Executive Officer | 0 companies |
| Harri Tapani Miettinen | Deputy Member | 0 companies |
| Iikka Eerik Kuosa | Deputy Chief Executive Officer | 0 companies |
| Anne Marita Hellstén | Person with significant control | 0 companies |
| Jussi Antero Sokka | Person with significant control | 0 companies |
| Anna-Elina Aartola-Mäkelä | Person with significant control | 0 companies |
| Raisa Maria Friberg | Person with significant control | 0 companies |
| Riikka Susanna Laine-Tolonen | Chief Executive Officer | 0 companies |
| Sanna Kaisa Kanerva | Person with significant control | 0 companies |
| Tuovi Helena Iivanainen | Person with significant control | 0 companies |
| Pasi Aakula | Deputy Member | 0 companies |
| Anne Maarit Kristiina Blomster | Person with significant control | 0 companies |
| Erkka Antero Viljakainen | Person with significant control | 0 companies |
| Kati Anne Marika Hagros | Board of Directors | 0 companies |
| Matti Olavi Kiviniemi | Board of Directors | 0 companies |
| Tom Björn Dahlström | Board of Directors | 0 companies |
| Heli Johanna Arantola | Board of Directors | 0 companies |
| Juha Pekka Einari Mäkinen | Board of Directors | 0 companies |
| Jari Tapani Annala | Chairperson | 0 companies |
| Niklas Eugén Österlund | Board of Directors | 0 companies |
| Jorma Johannes Vehviläinen | Board of Directors | 0 companies |
| Veli-Matti Liimatainen | Board of Directors | 0 companies |
| Kim Peter Biskop | Board of Directors | 0 companies |
| Erik Anders Valros | Board of Directors | 0 companies |
| Olli Sakari Vormisto | Board of Directors | 0 companies |
| Juha Tapani Ahola | Board of Directors | 0 companies |
| Hillevi Mirja Mannonen | Board of Directors | 0 companies |
| Jari Henri Eklund | Board of Directors | 0 companies |
| Tarja Helena Tikkanen | Board of Directors | 0 companies |