Business profile

Kyyjärven Osuuspankki

Kyyjärven Osuuspankki's registered office is Kyyjärvi. It is a cooperative bank. The company was established on 1922-07-04. It operates in the industry of other monetary intermediation. In its latest retained statement for 2025-12-31, revenue was €1,016,368 and operating profit was €1,118,025.

Claim profileContact details
Business ID 0176404-5ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
0176404-5
Sector
Other monetary intermediation
Municipality
Kyyjärvi
Company form
Cooperative bank
Registration date
1922-07-04
Business ID registration date
1978-03-15
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: TULIHARJUNTIE 4, 43700, Kyyjärvi

Phone: +358105672100Source observation

Website: https://kyyjarvenosuuspankki.fiSource observation

People and decision-makers

Ylitalo Jaakko AimoToimitusjohtaja
Nieminen Eevi TuuliaToimitusjohtajan sijainen

About Kyyjärven Osuuspankki

Financial position and key figures for the company.

Kyyjärven Osuuspankki's location municipality is Kyyjärvi. It is a cooperative bank. The company was established on 1922-07-04. It operates in the industry of other monetary intermediation. In its latest retained statement for 2025-12-31, revenue was €1,016,368 and operating profit was €1,118,025. The latest retained financial statement for 2025-12-31 shows revenue of €1,016,368 and profit for the financial year of €733,664. Based on the latest retained statement, revenue growth was +45.1%, operating margin was +108.9%, and equity ratio was +7.8%.

Extended business activity

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

Osuuspankin tarkoituksena on harjoittaa jäsentensä omistamana osuuskuntamuotoisena talletuspankkina luottolaitostoimintaa jäsentensä ja asiakkaidensa taloudellisen menestyksen tukemiseksi. Osuuspankin palveluita saavat käyttää muutkin kuin jäsenet. Osuuspankki tarjoaa sijoituspalvelulain 1 luvun 11§:n mukaisia sijoituspalveluja.

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 growth45.1%
Operating margin108.9%
Equity ratio7.8%
Revenue€1,016,368+€315,957 (+45.1%) vs previous periodPrevious: €700,411
Operating profit (loss)€1,118,025+€396,602 (+55.0%) vs previous periodPrevious: €721,423
Profit (loss) for the financial year€733,664+€134,371 (+22.4%) vs previous periodPrevious: €599,293
Assets€125,133,278+€2,917,070 (+2.4%) vs previous periodPrevious: €122,216,208
Balance-sheet contextLatest financial period
Revenue trend4 periods
€658,570
2022-12-31
€655,446
2023-12-31
€700,411
2024-12-31
€1,016,368
2025-12-31
Operating profit (loss) trend4 periods
-€56,391
2022-12-31
€940,962
2023-12-31
€721,423
2024-12-31
€1,118,025
2025-12-31
Profit (loss) for the financial year trend4 periods
€34,268
2022-12-31
€1,104,034
2023-12-31
€599,293
2024-12-31
€733,664
2025-12-31
Assets trend4 periods
€99,422,213
2022-12-31
€111,359,694
2023-12-31
€122,216,208
2024-12-31
€125,133,278
2025-12-31

Financial ratios

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

Equity ratioWeak
10/100 · Improving
7.8 %2024-12-31: 7.4 %
Current ratioNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Operating profit marginGood
100/100 · Improving
108.9 %2024-12-31: 94.9 %
Ratio history
Ratio2022-12-312023-12-312024-12-312025-12-31
Equity ratio7.1 %7.5 %7.4 %7.8 %
Current ratio----
Operating profit margin-7.6 %129.2 %94.9 %108.9 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID0176404-5
VAT IDFI01764045
MunicipalityKyyjärvi
Current registered entries
1922-07-04Registered in Patent and Registration Office (Trade Register)
1978-01-01Registered in Tax Administration (Employer Register)
1978-03-15Registered in Tax Administration (Tax Administration)
1995-03-01Registered in Tax Administration (Prepayment Register)
1998-11-06Member of liability group in Tax Administration (VAT Register)

Responsible people

Public role relationships materialized from source observations.

Ylitalo Jaakko AimoToimitusjohtajaSources: 5 · Confidence: 78%
Nieminen Eevi TuuliaToimitusjohtajan sijainenSources: 2 · Confidence: 78%
Tamminen Raimo JuhaniPuheenjohtajaSources: 5 · Confidence: 78%
Timo NoponenHallintoneuvosto: puheenjohtajaSources: 1 · Confidence: 76%
Kuivala Emilia Jaana MarianneOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Honkonen Sanna AnnikaVarsinainen jäsenSources: 5 · Confidence: 78%
Humppi Kimmo KaleviVarsinainen jäsenSources: 5 · Confidence: 78%
Kyrönlahti Esa AnteroVarsinainen jäsenSources: 4 · Confidence: 78%
Lautanen Jaana HanneleOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Kantanen Merja OrvokkiOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Lampinen Tiina JohannaOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Lautanen Antti-Pekka AnteroOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Piispanen Sinikka HanneleOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Sari VallilaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Seppo ImmonenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Maria IsoahoHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Suvi KantonenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Anne KoskinenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Eija-Maria LeppänenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Eija MaukonenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Jyrki MäntynenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Kai OinonenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Sakari ParkkonenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Reijo RuuskaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Teija UusisaloHallintoneuvosto: 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
GoodKyyjärven Osuuspankki
Grade unchangedA3 · new analysis 2026-10-18
Model score74/100
Assessment confidenceMedium
Evidence qualityUsable financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
4 comparable periods
RevenueImproving
ProfitabilityVolatile
SolvencyStable
LiquidityNot enough history
Peer comparisonSame industryDescriptive comparison – does not change the model score.
139 peers
Solvency14%
Below 86% of peers
Profitability99%
Better than 99% of peers
Revenue growth88%
Better than 88% 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
2026-10-1874/100 · v0.15
A3 → A3 · +2 points
  • Evidence quality: Strong financial evidence → Usable financial evidence.
  • Risk factor cleared: High balance-sheet leverage.
A3
2026-10-0172/100 · v0.14
Oldest retained automatic assessment in this comparison
Automatic model gradeA3
Automatic model snapshot2026-10-18
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 104 years of registry continuity.

Registry and status signalsVakaa
81/100

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
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.
Risk grade updatedRisk gradeEvidence verified
1 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.

Registry timeline

Trade register notifications shown on a timeline.

24 register eventsLatest event: 2025-12-16

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2025-12-31.

This company profile has not been claimed yet

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