Risk grade updatedRisk gradeEvidence verified
20 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Oulun Panttilainakonttori Oy
Oulun Panttilainakonttori Oy's registered office is Oulu. It is a limited company. The company was established on 1990-03-28. It operates in the industry of other credit granting.
Business ID 0807410-0ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0807410-0
- Sector
- Other credit granting
- Municipality
- Oulu
- Company form
- Limited company
- Registration date
- 1990-03-28
- Business ID registration date
- 1990-08-20
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: PAKKAHUONEENKATU 26, 90100, Oulu
Phone: +35885380100Source observation
Email: [email protected]Source observation
Website: https://www.oulunpantti.netSource observation
X profile: https://x.com/fiSource: company website
Instagram profile: https://www.instagram.com/fiSource: company website
Facebook profile: https://www.facebook.com/.fiSource: company website
People and decision-makers
Siira Timo KalervoToimitusjohtaja
Aleksanteri Timoteus ArranlinnaToimitusjohtajan sijainen (6/2019)
About Oulun Panttilainakonttori Oy
Financial position and key figures for the company.
Oulun Panttilainakonttori Oy's location municipality is Oulu. It is a limited company. The company was established on 1990-03-28. It operates in the industry of other credit granting. The latest retained financial statement for 2025-12-31 shows revenue of €503,502 and profit for the financial year of €209,397. Based on the latest retained statement, revenue growth was +4.1%, operating margin was not currently available, and equity ratio was +75.4%.
Auxiliary business names
Public alternate names materialized from source observations.
Oulun ArviointikeskusOulun Pantti
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimiala on lain mukainen panttilainaustoiminnan harjoittaminen ja muu siihen liittyvä toiminta.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth4.1%
Equity ratio75.4%
Revenue€503,502+€19,886 (+4.1%) vs previous periodPrevious: €483,616
Profit (loss) for the financial year€209,397+€7,907 (+3.9%) vs previous periodPrevious: €201,490
Assets€2,127,400+€45,470 (+2.2%) vs previous periodPrevious: €2,081,930
Balance-sheet contextLatest financial period
Profit before taxes€260,232Previous: €255,032
Employees3Previous: 4
Revenue trend5 periods
€457,079
2021-12-31
€455,392
2022-12-31
€454,797
2023-12-31
€483,616
2024-12-31
€503,502
2025-12-31
Operating profit (loss) trend4 periods
€171,116
2021-12-31
€228,478
2022-12-31
€243,807
2023-12-31
€282,185
2024-12-31
Profit (loss) for the financial year trend5 periods
€124,312
2021-12-31
€170,889
2022-12-31
€171,856
2023-12-31
€201,490
2024-12-31
€209,397
2025-12-31
Assets trend5 periods
€2,073,904
2021-12-31
€2,031,102
2022-12-31
€2,019,055
2023-12-31
€2,081,930
2024-12-31
€2,127,400
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
94/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 69.3 % | 72.2 % | 73.9 % | 74.3 % | 75.4 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | 34.0 % | 47.9 % | 51.6 % | 56.2 % | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0807410-0
EU IDFIFPRO.0807410-0
MunicipalityOulu
Current registered entries
1990-03-28Registered in Patent and Registration Office (Trade Register)
1990-08-20Registered in Tax Administration (Tax Administration)
1991-01-01Registered in Tax Administration (Employer Register)
1995-03-01Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Siira Timo KalervoToimitusjohtajaSources: 4 · Confidence: 78%
Aleksanteri Timoteus ArranlinnaToimitusjohtajan sijainen (6/2019)Sources: 2 · Confidence: 76%
Siira Timo KalervoPuheenjohtajaSources: 3 · Confidence: 78%
Arranlinna Andreas SebastianVarsinainen jäsenSources: 3 · Confidence: 78%
Arranlinna Aleksanteri TimoteusVarsinainen jäsenSources: 2 · Confidence: 78%
Anne Maarit SiiraHallituksen varajäsen (6/2019)Sources: 2 · 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
GoodOulun Panttilainakonttori Oy
Grade unchangedA3 · new analysis 2026-10-20
79/100
Medium
Limited financial evidenceRegistry and statistics based
Financial development is mostly stable or mixed.
4 comparable periodsRevenueStable
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
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA3
2026-10-2079/100 · v0.15
A3 → A3- Assessment confidence: Low → Medium.
- Evidence quality: Usable financial evidence → Limited financial evidence.
- New risk factor: Sufficient structured financial metrics are not available.
A3
2026-10-0779/100 · v0.14
Oldest retained automatic assessment in this comparisonA3
2026-10-20
open-risk-grade-v0.15
The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 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
89/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 36 years of registry continuity.
Registry and status signalsVakaa
75/100
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
7 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Registry timeline
Trade register notifications shown on a timeline.
15 register eventsLatest event: 2026-03-25
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
Oulun Panttilainakonttori Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.