Riskpilot← Back to searchSign inGet full accessWS Finance Oy
OYActiveY-tunnus 2954832-8Aleksanterinkatu 17-BOther credit granting · NACE 6492Est. 2018— employeeswww.wsfinance.fi
Revenue 2025
EUR 6,4M
+37% vs 2024
EBITDA margin
32.2%
+6% vs 2024
Equity ratio
59.9%
Financial strength
Net profit 2025
EUR 1,7M
+5% vs 2024
| Revenue | EUR 6,4M | +37% |
| EBITDA | EUR 2M | +6% |
| Net profit | EUR 1,7M | +5% |
| Total assets | EUR 31,5M | +69% |
| Equity | EUR 18,8M | +162% |
| Employees | — | — |
Legal name
WS Finance Oy
Y-tunnus number
2954832-8
Legal form
Osakeyhtiö
NACE code
6492 · Other credit granting
Founded
26. marraskuuta 2018
Share capital
EUR 2 500
Employees
—
VAT registered
No
Audit selected
No
Last report
2025-12-31
Financial year
January – December
Signatory rights
Hallituksen jäsenet ja toimitusjohtaja kukin yksin
Company purpose
Yhtiön toimiala on toimia sijoitus- kehitys- ja rahoitusyhtiönä sekä lainausyhtiönä yrityksille. Yhtiö voi harjoittaa arvopaperikauppaa sekä kiinteän omaisuuden ja asuntojen omistamista, välitystä, vuokrausta ja myyntiä.
Address
Aleksanterinkatu 17-B
Phone
+3580445688840
Email
veli-pekka@wsfinance.fi
Website
www.wsfinance.fi
Risika for professionals
Risika provides regulated workflow tools for finance, procurement and compliance teams that need monitoring, alerts and an API.
| 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 |
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total assets | 17 774 | 19 631 | 0 | 18 629 | 31 460 |
| Equity | 2 343 | 3 832 | 0 | 7 185 | 18 841 |
| Long-term debt | — | — | 0 | 11 062 | 12 193 |
| Short-term debt | 15 430 | 15 799 | 0 | 382 | 426 |
| Total debt | 15 430 | 15 799 | 0 | 11 444 | 12 619 |
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 report 2025Filed via PRH / YTJ · Period 2025-01-01 – 2025-12-31
- 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
| Name | Role | Member since |
|---|---|---|
| Current (4) | ||
JE Chief Executive Officer | Chief Executive Officer | 2025 |
MM Confidential Clerk | Confidential Clerk | 2018 |
JM Deputy Member | Deputy Member | 2018 |
JM Person with significant control | Person with significant control | 2022 |
| Former (2) | ||
JJ | Audit | 2020 – 2023 |
VA Person with significant control | Person with significant control | 2019 – 2023 |
| Name | Role | Member since |
|---|---|---|
| Current (4) | ||
| Board of Directors | 2025 | |
| Chairperson | 2025 | |
| Board of Directors | 2025 | |
| Board of Directors | 2025 | |
| Shareholder | Type | Ownership | Votes | Since |
|---|---|---|---|---|
| Company | 100% | 100% | 2023 |
Beneficial ownership (UBO) data access is restricted in Denmark as of September 2025 per the EU 6th AML Directive. Learn more.
WestStar Oy
WS Finance Oy Board members of WS Finance Oy also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Jari Juhani Havukainen | Audit | 0 companies |
| Jussi Ensio Pennanen | Chief Executive Officer | 0 companies |
| Veli-Pekka Antero Tilli | Person with significant control | 0 companies |
| Minna Maarit Laaksonen | Confidential Clerk | 0 companies |
| Jarno Markus Olavi Käyhkö | Deputy Member | 0 companies |
| Jenni Miia Kaarina Mäkelä | Person with significant control | 0 companies |
| Pekka Juhani Lemettinen | Board of Directors | 0 companies |
| Heikki Antero Savolainen | Chairperson | 0 companies |
| Jari Pentti Kivihuhta | Board of Directors | 0 companies |
| Kai-Erik Wilhelm Becker | Board of Directors | 0 companies |