Business profile

Joki-Pohjanmaan Osuuspankki

Joki-Pohjanmaan Osuuspankki's registered office is Nivala. It is a cooperative bank. The company was established on 1915-01-21. It operates in the industry of other monetary intermediation.

Claim profileContact details
Business ID 0186747-4ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
0186747-4
Sector
Other monetary intermediation
Municipality
Nivala
Company form
Cooperative bank
Registration date
1915-01-21
Business ID registration date
1978-03-15
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: KALLIONTIE 20, 85500, Nivala

Phone: +358102565001Source observation

Website: https://op.fiSource observation

Instagram profile: https://www.instagram.com/op_pohjolaSource: company website

Linkedin profile: https://www.linkedin.com/company/op-pohjolaSource: company website

Facebook profile: https://www.facebook.com/op.fiSource: company website

People and decision-makers

Niskala Markku JuhaniToimitusjohtaja
Kari HaanmäkiToimitusjohtajan sijainen

About Joki-Pohjanmaan Osuuspankki

Financial position and key figures for the company.

Joki-Pohjanmaan Osuuspankki's location municipality is Nivala. It is a cooperative bank. The company was established on 1915-01-21. It operates in the industry of other monetary intermediation. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +13.5%.

Auxiliary business names

Public alternate names materialized from source observations.

OP HimankaOP NivalaOP Perho

Financial highlights

Key figures from the latest financial period.

Latest financial period

2025-12-31

Imported periods0
PRH parsed0
Profile sourceEnriched source observation
Derived indicators
Equity ratio13.5%
Operating profit (loss)€5,481,043-€2,320,800 (-29.7%) vs previous periodPrevious: €7,801,843
Profit (loss) for the financial year€5,217,258-€1,289,959 (-19.8%) vs previous periodPrevious: €6,507,217
Assets€476,918,106+€19,338,859 (+4.2%) vs previous periodPrevious: €457,579,247
Balance-sheet contextLatest financial period
Operating profit (loss) trend4 periods
€3,030,843
2022-12-31
€7,512,483
2023-12-31
€7,801,843
2024-12-31
€5,481,043
2025-12-31
Profit (loss) for the financial year trend4 periods
€2,191,697
2022-12-31
€5,563,144
2023-12-31
€6,507,217
2024-12-31
€5,217,258
2025-12-31
Assets trend4 periods
€461,689,413
2022-12-31
€440,428,875
2023-12-31
€457,579,247
2024-12-31
€476,918,106
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.

Equity ratioWeak
17/100 · Improving
13.5 %2024-12-31: 13.3 %
Current ratioNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Operating profit marginNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Ratio history
Ratio2022-12-312023-12-312024-12-312025-12-31
Equity ratio10.8 %12.7 %13.3 %13.5 %
Current ratio----
Operating profit margin----

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID0186747-4
VAT IDFI01867474
MunicipalityNivala
Current registered entries
1915-01-21Registered in Patent and Registration Office (Trade Register)
1963-08-01Registered in Tax Administration (Employer Register)
1978-03-15Registered in Tax Administration (Tax Administration)
1995-03-01Registered in Tax Administration (Prepayment Register)
2002-07-01Member of liability group in Tax Administration (VAT Register)

Responsible people

Public role relationships materialized from source observations.

Niskala Markku JuhaniToimitusjohtajaSources: 3 · Confidence: 78%
Kari HaanmäkiToimitusjohtajan sijainenSources: 1 · Confidence: 76%
Torssonen Katja JohannaPuheenjohtajaSources: 3 · Confidence: 78%
Juha AnttilaHallintoneuvosto: puheenjohtajaSources: 1 · Confidence: 76%
Kivelä Antti SakariVarsinainen jäsenSources: 3 · Confidence: 78%
Hilonen Jenny PauliinaVarsinainen jäsenSources: 3 · Confidence: 78%
Tölli Hannu TapioVarsinainen jäsenSources: 2 · Confidence: 78%
Mäkelä Kimmo SakariVarsinainen jäsenSources: 2 · Confidence: 78%
Kytölä Olli SakariVarsinainen jäsenSources: 2 · Confidence: 78%
Matti LouhulaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Juho MuuraiskangasHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Helena OjataloHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Matti PeltolaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Raija-Kaisa PihlajaniemiHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Essi SakkoHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Hilkka SaukkoHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Risto TilusHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Tapio UusitaloHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Henna VuotilaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Sami PostiPäävastuullinen tilintarkastajaSources: 1 · Confidence: 76%
Juha EskolaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Tero HietaniemiHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Arto HänninenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Teija JylhäHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Tiina KarjalainenHallintoneuvosto: varsinainen jäsenSources: 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 goodJoki-Pohjanmaan Osuuspankki
Grade upgradedB1 → A2 · new analysis 2026-10-19
Model score84/100
Assessment confidenceMedium
Evidence qualityLimited financial evidenceRegistry and statistics based
Financial trajectoryFinancial development is mostly stable or mixed.
4 comparable periods
RevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
LiquidityNot enough history
Supporting factors
  • Company context reduces the weight of an isolated financial signal
  • Active registered status
  • A newer financial statement filing has been reported
Risk factors to note
  • Sufficient structured financial metrics are not available
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessments
A2
2026-10-1984/100 · v0.15
B1 → A2 · +23 points
  • Assessment confidence: Low → Medium.
  • Evidence quality: Usable financial evidence → Limited financial evidence.
  • New risk factor: Sufficient structured financial metrics are not available.
B1
2026-09-1661/100 · v0.14
Oldest retained automatic assessment in this comparison
Automatic model gradeA2
Automatic model snapshot2026-10-19
Automatic model versionopen-risk-grade-v0.15
Registry and statistics based

The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 assessment.

Verify assessment

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
87/100

Industry context is very low based on normalized open statistical inputs.

Age and continuityVakiintunut
100/100

The company has about 111 years of registry continuity.

Registry and status signalsVakaa
88/100

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.

Risk grade updatedRisk gradeEvidence verified
19 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.
Representation-rights registry eventRegistryEvidence verified
5 Oct 2026 · PRH / KREKAUTHORISATION TO SIGN FOR/TO REPRESENT THE COMPANY
Risk grade updatedRisk gradeEvidence verified
16 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.

Registry timeline

Trade register notifications shown on a timeline.

59 register eventsLatest event: 2026-10-05

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-21.

This company profile has not been claimed yet

Joki-Pohjanmaan Osuuspankki shows public core facts. A company representative can claim the profile, update public information, and access owner tools.