Risk grade updatedRisk gradeEvidence verified
17 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
Cartera Oy
Cartera Oy's registered office is Viitasaari. It is a limited company. The company was established on 2010-10-31. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €300,802 and operating profit was €140,311.
Business ID 2345460-3ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2345460-3
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Viitasaari
- Company form
- Limited company
- Registration date
- 2010-10-31
- Business ID registration date
- 2010-06-30
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kokkilantie, 44500, Viitasaari
Postal address: Kokkilantie 4, 44500, Viitasaari
Phone: +358400641743Source observation
People and decision-makers
Poutanen Eero Olli AkseliToimitusjohtajan sijainen
About Cartera Oy
Financial position and key figures for the company.
Cartera Oy's location municipality is Viitasaari. It is a limited company. The company was established on 2010-10-31. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €300,802 and operating profit was €140,311. The latest retained financial statement for 2025-12-31 shows revenue of €300,802 and profit for the financial year of €1,435,174. Based on the latest retained statement, revenue growth was -3.7%, operating margin was +46.6%, and equity ratio was +98.6%.
Auxiliary business names
Public alternate names materialized from source observations.
Ersa
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth-3.7%
Operating margin46.6%
Equity ratio98.6%
Revenue€300,802-€11,572 (-3.7%) vs previous periodPrevious: €312,374
Operating profit (loss)€140,311+€2,208 (+1.6%) vs previous periodPrevious: €138,103
Profit (loss) for the financial year€1,435,174-€206,036 (-12.6%) vs previous periodPrevious: €1,641,210
Assets€24,206,749-€849,943 (-3.4%) vs previous periodPrevious: €25,056,691
Balance-sheet contextLatest financial period
Profit before taxes€293,903Previous: €557,112
Employees51Previous: No comparison value
Revenue trend4 periods
€285,508
2022-12-31
€301,453
2023-12-31
€312,374
2024-12-31
€300,802
2025-12-31
Operating profit (loss) trend4 periods
€128,779
2022-12-31
€105,566
2023-12-31
€138,103
2024-12-31
€140,311
2025-12-31
Profit (loss) for the financial year trend4 periods
€18,085,522
2022-12-31
€161,577
2023-12-31
€1,641,210
2024-12-31
€1,435,174
2025-12-31
Assets trend4 periods
€29,508,456
2022-12-31
€25,421,873
2023-12-31
€25,056,691
2024-12-31
€24,206,749
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Equity ratio | 93.2 % | 99.9 % | 98.3 % | 98.6 % |
| Current ratio | - | - | - | - |
| Operating profit margin | 45.1 % | 35.0 % | 44.2 % | 46.6 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2345460-3
VAT IDFI23454603
EU IDFIFPRO.2345460-3
MunicipalityViitasaari
Current registered entries
2010-10-31Registered in Patent and Registration Office (Trade Register)
2010-11-01VAT-obliged for the transfer of rights to use immovable property in Tax Administration (VAT Register)
2010-11-01VAT-liable for business activity in Tax Administration (VAT Register)
2010-11-01Registered in Tax Administration (Prepayment Register)
2010-11-08Registered in Tax Administration (Tax Administration)
Responsible people
Public role relationships materialized from source observations.
Poutanen Eero Olli AkseliToimitusjohtajan sijainenSources: 5 · Confidence: 78%
Poutanen Olli TapaniPuheenjohtajaSources: 3 · Confidence: 78%
Poutanen Eero Olli AkseliVarsinainen jäsenSources: 2 · Confidence: 78%
Poutanen Anna KaroliinaVarsinainen jäsenSources: 4 · Confidence: 78%
Hannu MattilaPäävastuullinen tilintarkastajaSources: 1 · Confidence: 76%
Risk certificate
An open-data based company stability and risk signal.
BUSINESS.fi
BUSINESS.fi Luottoluokitus
Profile-specific risk signal based on open data
Automatic gradeNot a credit decision
A2
Very goodCartera Oy
86/100
Medium
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsRevenueStable
ProfitabilityImproving
SolvencyStable
LiquidityNot enough history
Same industryDescriptive comparison – does not change the model score.
85 peersSolvency74%
Better than 74% of peers
Profitability91%
Better than 91% of peers
Revenue growth8%
Below 92% of peers
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
Risk factors to note
No material separate warning signals.
A2
2026-09-17
open-risk-grade-v0.14
The grade can use open digital financial statement data together with registry signals.
Risk context
When sufficient source-backed financial metrics are not available for a Tier 1 assessment, BUSINESS.fi shows registry, industry, and regional context.
Industry riskvery low
89/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 15 years of registry continuity.
Registry and status signalsVakaa
83/100
Registry history, filing recency, and active register markings are still limited or mixed.
Events & news
Verified events and sourced external company news in one timeline.
Registry timeline
Trade register notifications shown on a timeline.
21 register eventsLatest event: 2026-06-26
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-05.
This company profile has not been claimed yet
Cartera Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.