Riskpilot← Back to searchSign inGet full accessSmartum Oy
OYActiveY-tunnus 2780101-9Porkkalankatu 22-AComputer programming activities · NACE 6210Est. 201660 employeeswww.smartum.fi
Revenue 2024
EUR 86K
-99% vs 2023
EBITDA margin
2627.3%
+28% vs 2023
Equity ratio
7.9%
Financial strength
Net profit 2024
EUR 4,5M
+1293% vs 2023
| Revenue | EUR 86K | -99% |
| EBITDA | EUR 2,3M | +28% |
| Net profit | EUR 4,5M | +1293% |
| Total assets | EUR 45,5M | -33% |
| Equity | EUR 3,6M | +517% |
| Employees | 60 | — |
Legal name
Smartum Oy
Y-tunnus number
2780101-9
Legal form
Osakeyhtiö
NACE code
6210 · Computer programming activities
Founded
5. syyskuuta 2016
Share capital
EUR 0
Employees
60 (FTE)
VAT registered
No
Audit selected
No
Last report
2024-12-31
Financial year
January – December
Signatory rights
Hallituksen jäsenet ja toimitusjohtaja kukin yksin
Company purpose
Yhtiön toimialana on maksu- ja luottovälineratkaisujen sekä sähköisten palvelujärjestelmien myynti, kehittäminen ja ylläpito, sähköisen rahan ja sähköisten maksuvälineiden liikkeelle lasku ja myynti. Yhtiön toimialana on lisäksi verkkomarkkinointipalvelujen kehittäminen ja myynti sekä muu mainostoiminta sekä teknologiaa hyödyntäen parantaa kansalaisille suunnattujen palveluiden laatua, saatavuutta, kustannustehokkuutta sekä käyttökokemusta. Yhtiö voi harjoittaa lisäksi sijoitus-, rahoitus-, leasing-, takaus-, vuokraus- ja rakennuttamistoimintaa. Toimintoihin sisältyy koulutus, konsultointi, markkinointi, alaan liittyvien laitteiden, ohjelmistojen ja tarvikkeiden tuonti ja vienti. Lisäksi yhtiö voi harjoittaa verkkokauppatoimintaa. Yhtiö voi omistaa ja hallita arvopapereita ja kiinteistöjä.
Address
Porkkalankatu 22-A
Phone
+358060014988
Email
asiakaspalvelu@smartum.fi
Website
www.smartum.fi
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| Item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Revenue | 1 198 | 1 411 | 1 556 | 1 758 | 4 075 | 8 584 | 86 |
| Staff expenses | −801 | −1 110 | −1 018 | −911 | −1 341 | −4 605 | −639 |
| EBITDA | −246 | −249 | 78 | 434 | 1 235 | 1 767 | 2 255 |
| Depreciation & amort. | −353 | −488 | −184 | −237 | −733 | −2 323 | −2 261 |
| EBIT | −599 | −737 | −106 | 197 | 502 | −557 | −6 |
| Net financials | −2 | 315 | −194 | 581 | −2 656 | 879 | 2 122 |
| Profit before tax | −604 | −421 | −299 | 780 | −1 762 | 322 | 2 117 |
| Tax | −0 | −0 | −0 | −0 | −3 | −1 | −667 |
| Net profit | −604 | −421 | −299 | 780 | −1 760 | 321 | 4 473 |
| Item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Total assets | 18 806 | 34 681 | 52 262 | 62 302 | 116 078 | 67 924 | 45 548 |
| Equity | 16 | 94 | 314 | 574 | 2 221 | −865 | 3 608 |
| Long-term debt | 10 | 1 | 0 | — | 16 122 | 15 900 | 2 520 |
| Short-term debt | 18 781 | 34 586 | 51 927 | 61 675 | 97 554 | 97 554 | 6 720 228 |
| Total debt | 18 791 | 34 587 | 51 948 | 61 728 | 113 857 | 113 454 | 6 720 228 |
EBITDA margin
2627.3%
This company
15.8%
Market median
+16528% vs market
20182024
Equity ratio
7.9%
This company
38.2%
Market median
-79% vs market
20182024
Return on equity
124.0%
This company
18.4%
Market median
+574% vs market
20182024
Net profit margin
5210.1%
This company
8.1%
Market median
+64222% vs market
20182024
Asset turnover
0.00×
This company
1.12×
Market median
-100% vs market
20182024
Debt / equity
11.62×
This company
0.62×
Market median
-1774% vs market
20182024
- 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
- 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 |
|---|---|---|---|---|
MK Chief Executive Officer | Chief Executive Officer | 2022 | — | — |
TM Confidential Clerk | Confidential Clerk | 2026 | — | — |
JP Audit | Audit | 2017 | — | — |
LK Chief Executive Officer | Chief Executive Officer | 2022 | — | — |
JK Confidential Clerk | Confidential Clerk | 2026 | — | — |
MJ Chief Executive Officer | Chief Executive Officer | 2017 | — | — |
RD Deputy Member | Deputy Member | 2024 | — | — |
KP Audit | Audit | 2020 | — | — |
NA Chief Executive Officer | Chief Executive Officer | 2025 | — | — |
AJ Chief Executive Officer | Chief Executive Officer | 2023 | — | — |
ML Confidential Clerk | Confidential Clerk | 2022 | — | — |
RT | Audit | 2022 | — | — |
| Name | Role | Member since | Age | Other directorships |
|---|---|---|---|---|
| Board of Directors | 2022 | — | — | |
| Chairperson | 2020 | — | — | |
| Chairperson | 2022 | — | — | |
| Board of Directors | 2022 | — | — | |
| Board of Directors | 2023 | — | — | |
| Board of Directors | 2018 | — | — | |
| Board of Directors | 2018 | — | — | |
| Board of Directors | 2019 | — | — | |
| Board of Directors | 2018 | — | — | |
| Board of Directors | 2021 | — | — | |
| Board of Directors | 2022 | — | — | |
| Board of Directors | 2018 | — | — | |
| Chairperson | 2018 | — | — | |
| Board of Directors | 2019 | — | — | |
| Board of Directors | 2024 | — | — |
| Shareholder | Type | Ownership | Votes | Since |
|---|---|---|---|---|
Epassi Finland Oy | Company | 100.0% | 100.0% | 2025 |
The Orange Company Oy | Company | 100.0% | 100.0% | 2023 |
Beneficial ownership (UBO) data access is restricted in Denmark as of September 2025 per the EU 6th AML Directive. Learn more.
Epassi Group Oy
Smartum Oy Board members of Smartum Oy also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Minna Kristiina Palhamo | Chief Executive Officer | 0 companies |
| Taika Maria Aurora Pöntinen | Confidential Clerk | 0 companies |
| Jyri Pekka Heikkinen | Audit | 0 companies |
| Laura Kristiina Lindh | Chief Executive Officer | 0 companies |
| Jalmari Kristian Jussinpoika Männistö | Confidential Clerk | 0 companies |
| Matti Janne Parpala | Chief Executive Officer | 0 companies |
| Regina Duzanskaja | Deputy Member | 0 companies |
| Karl Petter Lindeman | Audit | 0 companies |
| Niklas Anselm Löfgren | Chief Executive Officer | 0 companies |
| Anni Johanna Hyökyvaara | Chief Executive Officer | 0 companies |
| Martti Lehtinen | Confidential Clerk | 0 companies |
| Riitta Talvikki Ulvinen | Audit | 0 companies |
| Aki Pasinpoika Riihilahti | Board of Directors | 0 companies |
| Ari Aarno Juhani Anttonen | Chairperson | 0 companies |
| Aarne Antero Aktan | Chairperson | 0 companies |
| Lauri Tapio Toivonen | Board of Directors | 0 companies |
| Emma Jessica Hyökyvaara | Board of Directors | 0 companies |
| Lauri Sakarias Korkeaoja | Board of Directors | 0 companies |
| Pia Mari Susanna Nurme | Board of Directors | 0 companies |
| Juha Pekka Ristolainen | Board of Directors | 0 companies |
| Harri Juhani Kiljander | Board of Directors | 0 companies |
| Osmo Heikki Kristian Soininvaara | Board of Directors | 0 companies |
| Maria Katariina Fyrstén | Board of Directors | 0 companies |
| Maarit Hannele Hannula | Board of Directors | 0 companies |
| Taru Annikki Tujunen | Chairperson | 0 companies |
| Terhi Johanna Vapola | Board of Directors | 0 companies |
| Yrjö Esa Pekka Rantala | Board of Directors | 0 companies |