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Vakuutuspalvelu Karivuo Oy
OY
Active
Y-tunnus 2676246-8
Alasintie 3-7, 90400
Oulu
Activities of insurance agents and brokers
· NACE 6622
Est. 2015
— employees
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Vakuutuspalvelu Karivuo Oy
Overview
Financials
People & ownership
Related companies
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Financials
Revenue
EUR millions
0M
1M
2M
3M
3M
2M
2021
2M
2022
2M
2023
3M
2024
2M
2025
EBITDA
EUR millions
0M
0M
1M
1M
1M
0M
2021
0M
2022
0M
2023
0M
2024
0M
2025
Income statement
EUR thousands
Item
2021
2022
2023
2024
2025
Revenue
1 822
1 914
2 393
2 726
2 371
Staff expenses
−245
−256
−189
−183
−143
EBITDA
206
167
357
459
301
Depreciation & amort.
−19
−19
−45
−35
−24
EBIT
187
148
312
424
277
Net financials
−1
−28
−8
61
40
Profit before tax
186
120
304
485
317
Tax
37
26
60
98
64
Net profit
149
94
244
387
253
Balance sheet
EUR thousands
Item
2021
2022
2023
2024
2025
Total assets
762
792
1 138
1 474
1 145
Equity
524
566
76 505
1 091
580
Long-term debt
39
38
153
139
125
Short-term debt
199
188
220
245
440
Total debt
238
226
373
383
565
Financial ratios
5-year trend
EBITDA margin
12.7%
This company
15.8%
Market median
-20% vs market
2021
2025
Equity ratio
50.6%
This company
38.2%
Market median
+32% vs market
2021
2025
Return on equity
43.6%
This company
18.4%
Market median
+137% vs market
2021
2025
Net profit margin
10.7%
This company
8.1%
Market median
+32% vs market
2021
2025
Asset turnover
2.07×
This company
1.12×
Market median
+85% vs market
2021
2025
Debt / equity
0.98×
This company
0.62×
Market median
+58% vs market
2021
2025
Annual reports & filings
Annual report 2025
Filed via PRH / YTJ · Period 2025-01-01 – 2025-12-31
View
PDF
Annual report 2024
Filed via PRH / YTJ · Period 2024-01-01 – 2024-12-31
View
PDF
Annual report 2023
Filed via PRH / YTJ · Period 2023-01-01 – 2023-12-31
View
PDF
Annual report 2022
Filed via PRH / YTJ · Period 2022-01-01 – 2022-12-31
View
PDF
Annual report 2021
Filed via PRH / YTJ · Period 2021-01-01 – 2021-12-31
View
PDF
More on Vakuutuspalvelu Karivuo Oy
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Headline figures, risk assessment and company summary
People & ownership →
Management, board and shareholder breakdown
Related companies →
Corporate hierarchy, parent and subsidiary network
