What is the Y-tunnus number of CardPlus Oy?

CardPlus Oy is registered with PRH / YTJ under Y-tunnus 2784644-4.

What is the revenue of CardPlus Oy?

CardPlus Oy reported revenue of EUR 5,6M in 2025.

Who is the CEO of CardPlus Oy?

Heidi Sofia Ramstedt-Otava is Chief Executive Officer of CardPlus Oy, in role since 2025.

Who is the chairman of CardPlus Oy?

Virpi Hannele Puumalainen chairs the board of CardPlus Oy, in role since 2016.

Where is CardPlus Oy headquartered?

CardPlus Oy's registered address is Koskelontie 23-F.

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CardPlus Oy

OYActive

Y-tunnus 2784644-4Koskelontie 23F, 02920 EspooOther business support service activities n.e.c. · NACE 8299Est. 2016— employees

Overview Financials People & ownership Related companies

Financials

Revenue

EUR millions

EBITDA

EUR millions

Income statement

EUR thousands

Item	2021	2022	2023	2024	2025
Revenue	4 858	5 107	5 748	6 143	5 592
Staff expenses	−749	−865	−896	−1 002	−1 262
EBITDA	436	590	725	588	209
Depreciation & amort.	−163	−114	−117	−127	−126
EBIT	273	476	609	461	83
Net financials	−14	4	−12	−5	−13
Profit before tax	51	104	7	1	27
Tax	51	96	3	1	1
Net profit	−0	8	4	0	26

Balance sheet

EUR thousands

Item	2021	2022	2023	2024	2025
Total assets	1 710	1 834	1 660	2 185	2 045
Equity	561	568	573	573	601
Long-term debt	65	11	0	38	19
Short-term debt	1 084	1 254	1 088	1 575	1 425
Total debt	1 149	1 265	1 088	1 612	1 443

Financial ratios

5-year trend

EBITDA margin

3.7%

This company

15.8%

Market median

-77% vs market

20212025

Equity ratio

29.4%

This company

38.2%

Market median

-23% vs market

20212025

Return on equity

4.4%

This company

18.4%

Market median

-76% vs market

20212025

Net profit margin

0.5%

This company

8.1%

Market median

-94% vs market

20212025

Asset turnover

2.73×

This company

1.12×

Market median

+144% vs market

20212025

Debt / equity

2.40×

This company

0.62×

Market median

-287% vs market

20212025

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

CardPlus Oy

Financials

Revenue

EBITDA

Income statement

Balance sheet

Financial ratios

Annual reports & filings

More on CardPlus Oy

Financials

Revenue

EBITDA

Income statement

Balance sheet

Financial ratios

Annual reports & filings

More on CardPlus Oy