Business profile

Kainuun Osuuspankki

Kainuun Osuuspankki's registered office is Kajaani. It is a cooperative bank. The company was established on 1916-05-12. It operates in the industry of other monetary intermediation.

Claim profileContact details
Business ID 0185495-6ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
0185495-6
Sector
Other monetary intermediation
Municipality
Kajaani
Company form
Cooperative bank
Registration date
1916-05-12
Business ID registration date
1978-03-15
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Pohjolankatu 18, 87100, Kajaani

Phone: +358102561701Source observation

Website: https://op.fiSource observation

People and decision-makers

Korpinen Maarit AnneliToimitusjohtajan sijainen

About Kainuun Osuuspankki

Financial position and key figures for the company.

Kainuun Osuuspankki's location municipality is Kajaani. It is a cooperative bank. The company was established on 1916-05-12. 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 +15.1%.

Auxiliary business names

Public alternate names materialized from source observations.

OP Sotkamo

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 ratio15.1%
Operating profit (loss)€19,030,105-€1,599,928 (-7.8%) vs previous periodPrevious: €20,630,033
Profit (loss) for the financial year€15,490,465-€278,628 (-1.8%) vs previous periodPrevious: €15,769,093
Assets€1,587,573,826+€490,685,227 (+44.7%) vs previous periodPrevious: €1,096,888,599
Balance-sheet contextLatest financial period
Operating profit (loss) trend4 periods
€10,054,277
2022-12-31
€19,670,671
2023-12-31
€20,630,033
2024-12-31
€19,030,105
2025-12-31
Profit (loss) for the financial year trend4 periods
€9,018,870
2022-12-31
€17,990,441
2023-12-31
€15,769,093
2024-12-31
€15,490,465
2025-12-31
Assets trend4 periods
€1,178,537,318
2022-12-31
€1,089,666,179
2023-12-31
€1,096,888,599
2024-12-31
€1,587,573,826
2025-12-31

Financial ratios

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

Equity ratioPassable
19/100 · Improving
15.1 %2024-12-31: 14.9 %
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 ratio11.3 %13.7 %14.9 %15.1 %
Current ratio----
Operating profit margin----

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID0185495-6
VAT IDFI01854956
MunicipalityKajaani
Current registered entries
1916-05-12Registered in Patent and Registration Office (Trade Register)
1962-07-01Registered 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.

Korpinen Maarit AnneliToimitusjohtajan sijainenSources: 2 · Confidence: 78%
Raappana Kari IlmariPuheenjohtajaSources: 4 · Confidence: 78%
Esa RimpiläinenHallintoneuvosto: puheenjohtajaSources: 1 · Confidence: 76%
Kovalainen Jenni Heidi AnnikaVarsinainen jäsenSources: 3 · Confidence: 78%
Rajakangas Susanna Eini InkeriOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Kemppainen Hanna KaisaVarsinainen jäsenSources: 4 · Confidence: 78%
Huotari Juha MikkoVarsinainen jäsenSources: 4 · Confidence: 78%
Seppänen Saara VappuVarsinainen jäsenSources: 3 · Confidence: 78%
Mikkonen Pertti OskariOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Mustonen Jaana PauliinaOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Pennanen Ville JuhaniOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Tuikka Jenni TuulikkiOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Meriläinen Riikka EliisaOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Eteläsaari Marianne EveliinaOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Huotari Marko AnteroOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Karjalainen Minna AnneliOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Leino Jani PetteriOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Teemu SutinenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Jussi TolonenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Terho VäisänenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Sami PostiPäävastuullinen tilintarkastajaSources: 1 · Confidence: 76%
Teemu HeikkinenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Tuomas HärkönenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Sami JuntunenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Elina KeränenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Merja LeinonenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Samuli LeinonenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Kaisa MarinHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Miia MoilanenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Sirpa MoilanenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Tiina MäkäräinenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Jukka MäättäHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Erja NiittyviitaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Miska NärhiHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Jonna SeppänenHallintoneuvosto: 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 goodKainuun Osuuspankki
Grade upgradedB1 → A2 · new analysis 2026-10-18
Model score85/100
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
2026-10-1885/100 · v0.15
B1 → A2 · +18 points
  • Assessment confidence: Low → Medium.
  • Evidence quality: Usable financial evidence → Limited financial evidence.
  • New risk factor: Sufficient structured financial metrics are not available.
B1
2026-09-2067/100 · v0.14
Oldest retained automatic assessment in this comparison
Automatic model gradeA2
Automatic model snapshot2026-10-18
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 110 years of registry continuity.

Registry and status signalsErittäin vahva
91/100

Long registry history, recent financial statement filings, and active register markings support this signal.

Events & news

Verified events and sourced external company news in one timeline.

Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.
Risk grade updatedRisk gradeEvidence verified
20 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.

Registry timeline

Trade register notifications shown on a timeline.

57 register eventsLatest event: 2026-09-02

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-04-13.

This company profile has not been claimed yet

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