Riskpilot← Back to searchSign inGet full accessUB Rahoitus Oy
OYActiveY-tunnus 2700119-3Aleksanterinkatu 21-AOther financial service activities, except insurance and pension funding n.e.c. · NACE 6499Est. 20152 employeeswww.ubrahoitus.fi
Revenue 2024
EUR 64K
-40% vs 2023
EBITDA margin
-288.1%
+37% vs 2023
Equity ratio
51.0%
Financial strength
Net profit 2024
EUR -3K
-100% vs 2023
| Revenue | EUR 64K | -40% |
| EBITDA | EUR -185K | +37% |
| Net profit | EUR -3K | -100% |
| Total assets | EUR 691K | -43% |
| Equity | EUR 352K | -1% |
| Employees | 2 | — |
Legal name
UB Rahoitus Oy
Y-tunnus number
2700119-3
Legal form
Osakeyhtiö
NACE code
6499 · Other financial service activities, except insurance and pension funding n.e.c.
Founded
9. heinäkuuta 2015
Share capital
EUR 2 500
Employees
2 (FTE)
VAT registered
No
Audit selected
No
Last report
2024-12-31
Financial year
January – December
Signatory rights
Hallituksen puheenjohtaja ja toimitusjohtaja kumpikin yksin ja hallituksen jäsenet kaksi yhdessä
Company purpose
Maksupalvelujen välittäminen, siihen liittyvien ohjelmistojen valmistaminen, vuokraaminen ja välittäminen. Lisäksi muu ohjelmistojen suunnittelu ja valmistus, IT-konsultointi, - koulutus ja suunnittelupalvelut sekä rahoituskonsultointi ja siihen liittyvät palvelut. Yhtiö voi toimintaansa varten omistaa ja hallita kiinteistöjä ja arvopapereita. Yhtiö voi harjoittaa arvopaperikauppaa sekä myydä ja ostaa kiinteää omaisuutta.
Address
Aleksanterinkatu 21-A
Phone
+3580105244520
Email
asiakaspalvelu@ubrahoitus.fi
Website
www.ubrahoitus.fi
Risika for professionals
Risika provides regulated workflow tools for finance, procurement and compliance teams that need monitoring, alerts and an API.
| Item | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Revenue | 487 | 369 | 188 | 108 | 64 |
| Staff expenses | −321 | −210 | −200 | −167 | −149 |
| EBITDA | −208 | −62 | −186 | −294 | −185 |
| Depreciation & amort. | −2 | −1 | −1 | −0 | −0 |
| EBIT | −210 | −63 | −187 | −294 | −185 |
| Net financials | −0 | −0 | −0 | 21 | 56 |
| Profit before tax | −210 | −64 | −187 | 842 | −3 |
| Tax | −0 | −0 | −0 | 1 | −0 |
| Net profit | −210 | −64 | −187 | 841 | −3 |
| Item | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Total assets | 95 | 111 | 70 | 1 215 | 691 |
| Equity | −235 | −299 | 27 | 355 | 352 |
| Long-term debt | 273 | 371 | — | 0 | 290 |
| Short-term debt | 57 | 38 | 42 | 347 | 49 |
| Total debt | 330 | 409 | 42 | 860 | 339 |
EBITDA margin
-288.1%
This company
15.8%
Market median
-1923% vs market
20202024
Equity ratio
51.0%
This company
38.2%
Market median
+34% vs market
20202024
Return on equity
-1.0%
This company
18.4%
Market median
-105% vs market
20202024
Net profit margin
-5.3%
This company
8.1%
Market median
-165% vs market
20202024
Asset turnover
0.09×
This company
1.12×
Market median
-92% vs market
20202024
Debt / equity
0.96×
This company
0.62×
Market median
+55% vs market
20202024
- 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
- Annual report 2020Filed via PRH / YTJ · Period 2020-01-01 – 2020-12-31
| Name | Role | Member since |
|---|---|---|
| Current (2) | ||
JJ Deputy Member | Deputy Member | 2023 |
AJ Chief Executive Officer | Chief Executive Officer | 2018 |
| Former (2) | ||
JK Audit | Audit | 2018 – 2023 |
JH Deputy auditor | Deputy auditor | 2024 – 2025 |
| Name | Role | Member since |
|---|---|---|
| Current (2) | ||
| Board of Directors | 2018 | |
| Chairperson | 2023 | |
| Former (2) | ||
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2018 – 2019 | |
| Shareholder | Type | Ownership | Votes | Since |
|---|---|---|---|---|
| Company | 51% | 51% | 2023 |
Beneficial ownership (UBO) data access is restricted in Denmark as of September 2025 per the EU 6th AML Directive. Learn more.
UB Pankkiiriliike Oy
UB Rahoitus Oy Board members of UB Rahoitus Oy also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| John Jaakko Oskar Ojanperä | Deputy Member | 0 companies |
| Antti Juhani Suorsa | Chief Executive Officer | 0 companies |
| Janne Kari Ilari Elo | Audit | 0 companies |
| Juha-Matti Heino | Deputy auditor | 0 companies |
| Jyrki Tapani Thauvón | Board of Directors | 0 companies |
| Jani Petteri Lehti | Board of Directors | 0 companies |
| Antti Juhani Asunmaa | Board of Directors | 0 companies |
| Timo Pekka Ronkainen | Chairperson | 0 companies |