What is the Y-tunnus number of BusinessCredit Oy?

BusinessCredit Oy is registered with PRH / YTJ under Y-tunnus 2954832-8.

What is the revenue of BusinessCredit Oy?

BusinessCredit Oy reported revenue of EUR 6,4M in 2025.

Who is the CEO of BusinessCredit Oy?

Jari Juhani Havukainen is Audit of BusinessCredit Oy, in role since 2020.

Who is the chairman of BusinessCredit Oy?

Heikki Antero Savolainen chairs the board of BusinessCredit Oy, in role since 2025.

Where is BusinessCredit Oy headquartered?

BusinessCredit Oy's registered address is Aleksanterinkatu 17-B.

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BusinessCredit Oy

OYActive

Y-tunnus 2954832-8Aleksanterinkatu 17B, 15110 LahtiOther credit granting · NACE 6492Est. 2018— employeeswww.wsfinance.fi

Overview Financials People & ownership Related companies

Financials

Revenue

EUR millions

EBITDA

EUR millions

Income statement

EUR thousands

Item	2021	2022	2023	2024	2025
Revenue	3 728	4 819	0	4 649	6 363
Staff expenses	−498	−413	−0	−331	−718
EBITDA	1 865	1 717	0	1 927	2 048
Depreciation & amort.	−10	−7	−0	−0	−0
EBIT	1 856	1 709	0	1 927	2 048
Net financials	−419	−624	0	−707	135
Profit before tax	1 437	1 725	0	1 990	2 183
Tax	313	237	−0	419	526
Net profit	1 124	1 489	0	1 572	1 657

Balance sheet

EUR thousands

Item	2021	2022	2024	2025
Total assets	17 774	19 631	18 629	31 460
Equity	2 343	3 832	7 185	18 841
Long-term debt	—	—	11 062	12 193
Short-term debt	15 430	15 799	382	426
Total debt	15 430	15 799	11 444	12 619

Financial ratios

5-year trend

EBITDA margin

32.2%

This company

15.8%

Market median

+104% vs market

20212025

Equity ratio

59.9%

This company

38.2%

Market median

+57% vs market

20212025

Return on equity

8.8%

This company

18.4%

Market median

-52% vs market

20212025

Net profit margin

26.0%

This company

8.1%

Market median

+221% vs market

20212025

Asset turnover

0.20×

This company

1.12×

Market median

-82% vs market

20212025

Debt / equity

0.67×

This company

0.62×

Market median

+8% 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

BusinessCredit Oy

Financials

Revenue

EBITDA

Income statement

Balance sheet

Financial ratios

Annual reports & filings

More on BusinessCredit Oy

Financials

Revenue

EBITDA

Income statement

Balance sheet

Financial ratios

Annual reports & filings

More on BusinessCredit Oy