Riskpilot← Back to searchSign inGet full accessAxo Finance Oy
OYActiveY-tunnus 2984343-1Kalevankatu 6Other activities auxiliary to financial services, except insurance and pension funding · NACE 6619Est. 201916 employeeswww.axolaina.fi
Revenue 2025
EUR 8,1M
+12% vs 2024
EBITDA margin
10.9%
+4% vs 2024
Equity ratio
32.0%
Financial strength
Net profit 2025
EUR 658K
-14% vs 2024
| Revenue | EUR 8,1M | +12% |
| EBITDA | EUR 880K | +4% |
| Net profit | EUR 658K | -14% |
| Total assets | EUR 1,3M | -2% |
| Equity | EUR 409K | +265% |
| Employees | 16 | — |
Legal name
Axo Finance Oy
Y-tunnus number
2984343-1
Legal form
Osakeyhtiö
NACE code
6619 · Other activities auxiliary to financial services, except insurance and pension funding
Founded
21. helmikuuta 2019
Share capital
EUR 2 500
Employees
16 (FTE)
VAT registered
No
Audit selected
No
Last report
2025-12-31
Financial year
January – December
Company purpose
Lainat, rahoituspalvelut ja muu rahoitustoiminta kuluttajille.
Address
Kalevankatu 6
Phone
+3580942452326
Email
asiakaspalvelu@axolaina.fi
Website
www.axolaina.fi
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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 | 352 | 1 930 | 7 620 | 7 265 | 8 112 |
| Staff expenses | −184 | −579 | −1 174 | −1 256 | −1 425 |
| EBITDA | −423 | −380 | 601 | 848 | 880 |
| Depreciation & amort. | — | — | −28 | −43 | −49 |
| EBIT | −423 | −380 | 572 | 805 | 831 |
| Net financials | −82 | −34 | −58 | −44 | −57 |
| Profit before tax | −505 | −414 | 515 | 761 | 774 |
| Tax | −0 | −0 | −0 | −0 | 117 |
| Net profit | −505 | −414 | 515 | 761 | 658 |
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total assets | 128 | 418 | 1 838 | 1 306 | 1 278 |
| Equity | −1 111 | 101 | 720 | −248 | 409 |
| Long-term debt | 1 100 | — | 0 | 1 825 | 246 |
| Short-term debt | 139 | 318 | 318 | 642 | 746 |
| Total debt | 1 239 | 318 | 318 | 2 467 | 991 |
EBITDA margin
10.9%
This company
15.8%
Market median
-31% vs market
20212025
Equity ratio
32.0%
This company
38.2%
Market median
+16% vs market
20212025
Return on equity
160.7%
This company
18.4%
Market median
+773% vs market
20212025
Net profit margin
8.1%
This company
8.1%
Market median
+0% vs market
20212025
Asset turnover
6.35×
This company
1.12×
Market median
+467% vs market
20212025
Debt / equity
2.12×
This company
0.62×
Market median
-242% 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 (3) | ||
PC | Audit | 2019 |
KL Chief Executive Officer | Chief Executive Officer | 2023 |
MA Deputy Member | Deputy Member | 2019 |
| Former (1) | ||
JE Chief Executive Officer | Chief Executive Officer | 2019 – 2023 |
| Name | Role | Member since |
|---|---|---|
| Current (2) | ||
| Chairperson | 2022 | |
| Board of Directors | 2022 | |
| Former (1) | ||
| Board of Directors | 2019 – 2021 | |
No shareholder data available.
Beneficial ownership (UBO) data access is restricted in Denmark as of September 2025 per the EU 6th AML Directive. Learn more.
No registered parent or subsidiaries
Board members of Axo Finance Oy also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Pasi Christian Klemetti | Audit | 0 companies |
| Jussi Ensio Pennanen | Chief Executive Officer | 0 companies |
| Kristina Louise Engelvuori | Chief Executive Officer | 0 companies |
| Morten Armand Johansen | Deputy Member | 0 companies |
| Jostein Christian Dalland | Chairperson | 0 companies |
| Carl Edvard Vihovde Endresen | Board of Directors | 0 companies |
| Sverre Andre Wallem-Mehn | Board of Directors | 0 companies |