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Payal Assets Oy
OY
Active
Y-tunnus 3294616-7
Timanttikuja 3-A5
Activities of insurance agents and brokers · NACE 6622
Est. 2022
— employees
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Overview
Financials
People & ownership
Related companies
Revenue 2025
EUR 10K
-59% vs 2024
EBITDA margin
-7.0%
-123% vs 2024
Equity ratio
84.4%
Financial strength
Net profit 2025
EUR -727
-131% vs 2024
EBITDA — year on year
EUR millions
0M
-0M
-1M
-1M
-1M
0M
2023
0M
0%
2024
0M
0%
2025
Key figures
Annual report 2025
Revenue
EUR 10K
-59%
EBITDA
EUR -727
-123%
Net profit
EUR -727
-131%
Total assets
EUR 3K
-46%
Equity
EUR 3K
-20%
Employees
—
—
Company information
Legal name
Payal Assets Oy
Y-tunnus number
3294616-7
Legal form
Osakeyhtiö
NACE code
6622 · Activities of insurance agents and brokers
Founded
15. kesäkuuta 2022
Share capital
EUR 0
Employees
—
VAT registered
No
Audit selected
No
Last report
2025-07-31
Financial year
January – December
Company purpose
Vakuutusasiamiesten ja -välittäjien toiminta
Contact
Address
Timanttikuja 3-A5
Phone
+3580440294343
Email
apil.bhandari@gmail.com
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Companies in Activities of insurance agents and brokers
Companies in Vantaa
All Finland companies
Revenue
EUR millions
0M
0M
1M
1M
1M
0M
2023
0M
2024
0M
2025
EBITDA
EUR millions
0M
0M
1M
1M
1M
0M
2023
0M
2024
0M
2025
Income statement
EUR thousands
Item
2023
2024
2025
Revenue
23
25
10
Staff expenses
−11
−11
−1
EBITDA
3
3
−1
Depreciation & amort.
−0
−0
−0
EBIT
3
3
−1
Net financials
−0
−0
0
Profit before tax
3
3
−1
Tax
1
1
−0
Net profit
2
2
−1
Balance sheet
EUR thousands
Item
2023
2024
2025
Total assets
3
7
3
Equity
2
4
3
Long-term debt
0
0
0
Short-term debt
1
3
1
Total debt
1
3
1
Financial ratios
5-year trend
EBITDA margin
-7.0%
This company
15.8%
Market median
-144% vs market
2023
2025
Equity ratio
84.4%
This company
38.2%
Market median
+121% vs market
2023
2025
Return on equity
-24.7%
This company
18.4%
Market median
-234% vs market
2023
2025
Net profit margin
-7.0%
This company
8.1%
Market median
-186% vs market
2023
2025
Asset turnover
2.97×
This company
1.12×
Market median
+165% vs market
2023
2025
Debt / equity
0.18×
This company
0.62×
Market median
+71% vs market
2023
2025
Annual reports & filings
Annual report 2025
Filed via PRH / YTJ · Period 2024-08-01 – 2025-07-31
View
PDF
Annual report 2024
Filed via PRH / YTJ · Period 2023-08-01 – 2024-07-31
View
PDF
Annual report 2023
Filed via PRH / YTJ · Period 2022-06-15 – 2023-07-31
View
PDF
Management
Actively employed in the business
Name
Role
Member since
Current (2)
KK
Keshab Kharel
Deputy Member
Deputy Member
2022
AB
Apil Bhandari
Chief Executive Officer
Chief Executive Officer
2022
Board of directors
Non-executive oversight
No data on file.
Shareholders
As of last annual report
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
.
Company hierarchy
No registered parent or subsidiaries
Board network connections
Board members of Payal Assets Oy also hold positions in
0
other companies.
Person
Role here
Other companies
Keshab Kharel
Deputy Member
0 companies
Apil Bhandari
Chief Executive Officer
0 companies