Business profile

Koillismaan Osuuspankki

Koillismaan Osuuspankki's registered office is Kuusamo. It is a cooperative bank. The company was established on 1924-12-23. It operates in the industry of other monetary intermediation. In its latest retained statement for 2025-12-31, revenue was €2,255,802 and operating profit was €10,339,551.

Claim profileContact details
Business ID 0186401-1ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
0186401-1
Sector
Other monetary intermediation
Municipality
Kuusamo
Company form
Cooperative bank
Registration date
1924-12-23
Business ID registration date
1978-03-15
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: KITKANTIE 7, 93600, Kuusamo

Phone: +358102562401Source 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

Purola Pertti JohannesToimitusjohtaja
Piia MourujärviToimitusjohtajan sijainen

About Koillismaan Osuuspankki

Financial position and key figures for the company.

Koillismaan Osuuspankki's location municipality is Kuusamo. It is a cooperative bank. The company was established on 1924-12-23. It operates in the industry of other monetary intermediation. In its latest retained statement for 2025-12-31, revenue was €2,255,802 and operating profit was €10,339,551. The latest retained financial statement for 2025-12-31 shows revenue of €2,255,802 and profit for the financial year of €9,202,345. Based on the latest retained statement, revenue growth was +57.9%, operating margin was +441.7%, and equity ratio was +14.5%.

Auxiliary business names

Public alternate names materialized from source observations.

OP KuusamoOP PudasjärviOP Taivalkoski

Extended business activity

A longer directory- or registry-backed activity description that complements the short registry industry label.

Osuuspankin tarkoituksena on harjoittaa omistaja-asiakkaidensa omistamana osuuskuntamuotoisena talletuspankkina luottolaitostoimintaa omistaja-asiakkaiden ja asiakkaiden taloudellisen menestyksen tukemiseksi. Osuuspankin palveluita saavat käyttää muutkin kuin omistaja-asiakkaat. Osuuspankki tarjoaa sijoituspalvelulain mukaisia sijoituspalveluja ja oheispalveluja toimilupansa mukaisesti.

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
Revenue growth57.9%
Operating margin441.7%
Equity ratio14.5%
Revenue€2,255,802+€827,141 (+57.9%) vs previous periodPrevious: €1,428,661
Operating profit (loss)€10,339,551+€4,130,672 (+66.5%) vs previous periodPrevious: €6,208,879
Profit (loss) for the financial year€9,202,345+€5,091,132 (+123.8%) vs previous periodPrevious: €4,111,213
Assets€773,493,021+€14,835,446 (+2.0%) vs previous periodPrevious: €758,657,575
Balance-sheet contextLatest financial period
Revenue trend3 periods
€1,622,420
2023-12-31
€1,428,661
2024-12-31
€2,255,802
2025-12-31
Operating profit (loss) trend4 periods
€2,811,376
2022-12-31
€6,894,875
2023-12-31
€6,208,879
2024-12-31
€10,339,551
2025-12-31
Profit (loss) for the financial year trend4 periods
€1,808,472
2022-12-31
€4,705,351
2023-12-31
€4,111,213
2024-12-31
€9,202,345
2025-12-31
Assets trend4 periods
€346,231,807
2022-12-31
€342,932,714
2023-12-31
€758,657,575
2024-12-31
€773,493,021
2025-12-31

Financial ratios

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

Equity ratioWeak
18/100 · Improving
14.5 %2024-12-31: 13.8 %
Current ratioNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Operating profit marginGood
100/100 · Improving
441.7 %2024-12-31: 411.5 %
Ratio history
Ratio2022-12-312023-12-312024-12-312025-12-31
Equity ratio9.9 %11.2 %13.8 %14.5 %
Current ratio----
Operating profit margin-395.6 %411.5 %441.7 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID0186401-1
VAT IDFI01864011
MunicipalityKuusamo
Current registered entries
1924-12-23Registered in Patent and Registration Office (Trade Register)
1960-05-01Registered 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.

Purola Pertti JohannesToimitusjohtajaSources: 4 · Confidence: 78%
Piia MourujärviToimitusjohtajan sijainenSources: 1 · Confidence: 76%
Saarela Timo TapioPuheenjohtajaSources: 4 · Confidence: 78%
Jouni PiriHallintoneuvosto: puheenjohtajaSources: 1 · Confidence: 76%
Marjala Janika Miia AnneliVarsinainen jäsenSources: 3 · Confidence: 78%
Jurmu Sirpa PauliinaVarsinainen jäsenSources: 4 · Confidence: 78%
Sarajärvi Kari VeikkoVarsinainen jäsenSources: 3 · Confidence: 78%
Koivukangas Kati MiraVarsinainen jäsenSources: 3 · Confidence: 78%
Rautio Marko KristianVarsinainen jäsenSources: 3 · Confidence: 78%
Purola Pertti JohannesVarsinainen jäsenSources: 2 · Confidence: 78%
Tuula Marjukka LybeckRepresentative AssemblySources: 1 · Confidence: 76%
Päivi KaakinenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Janne KallunkiHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Lilja KettunenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Sari KurttiHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Topi LaaksoHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Tanja MeskusHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Aija-Mari MoilanenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Hanna-Leena RissanenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Mika TuovilaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Auvo TurpeinenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Jonna TyniHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Aki VattulaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Juha YlitaloHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Sami PostiPäävastuullinen tilintarkastajaSources: 1 · Confidence: 76%
Mika AlataloHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Hely Forsberg-MoilanenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Virpi Heiskanen-TuovinenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Harri HuttuHallintoneuvosto: 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
A3
GoodKoillismaan Osuuspankki
Grade unchangedA3 · new analysis 2026-10-17
Model score74/100
Assessment confidenceMedium
Evidence qualityUsable financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
4 comparable periods
RevenueVolatile
ProfitabilityImproving · 2 consecutive periods
SolvencyStable
LiquidityNot enough history
Peer comparisonSame industryDescriptive comparison – does not change the model score.
340 peers
Solvency26%
Below 74% of peers
Profitability100%
Better than 100% of peers
Revenue growth91%
Better than 91% of peers
Supporting factors
  • Strong operating profitability
  • Company context reduces the weight of an isolated financial signal
  • Active registered status
Risk factors to note

No material separate warning signals.

Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessments
A3
2026-10-1774/100 · v0.15
A3 → A3 · +1 points
  • Evidence quality: Strong financial evidence → Usable financial evidence.
  • Risk factor cleared: High balance-sheet leverage.
A3
2026-10-1073/100 · v0.14
Oldest retained automatic assessment in this comparison
Automatic model gradeA3
Automatic model snapshot2026-10-17
Automatic model versionopen-risk-grade-v0.15
Financial data included

The grade can use open digital financial statement data together with registry signals.

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 101 years of registry continuity.

Registry and status signalsVakaa
87/100

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
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.
Risk grade updatedRisk gradeEvidence verified
10 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.

Registry timeline

Trade register notifications shown on a timeline.

60 register eventsLatest event: 2026-04-28

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-04-16.

This company profile has not been claimed yet

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