Business profile

Pandami Oy

Pandami Oy's registered office is Kuopio. It is a limited company. The company was established on 2022-03-24. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c..

Claim profileContact details
Business ID 3276164-8ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3276164-8
Sector
Other financial service activities, except insurance and pension funding n.e.c.
Municipality
Kuopio
Company form
Limited company
Registration date
2022-03-24
Business ID registration date
2022-03-23
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Pihlajaharjuntie 13, 70340, Kuopio

People and decision-makers

Pantsu Mikko PetteriVarsinainen jäsen
Pantsu Anne MaritaVarajäsen

About Pandami Oy

Financial position and key figures for the company.

Pandami Oy's location municipality is Kuopio. It is a limited company. The company was established on 2022-03-24. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +24.7%.

Financial highlights

Key figures from the latest financial period.

Latest financial period

2025-12-31

Imported periods0
PRH parsed0
Profile sourceSource observation
Derived indicators
Equity ratio24.7%
Operating profit (loss)-€495+€7 (+1.4%) vs previous periodPrevious: -€502
Profit (loss) for the financial year€32,527-€2,189 (-6.3%) vs previous periodPrevious: €34,716
Assets€310,965+€140,351 (+82.3%) vs previous periodPrevious: €170,614
Balance-sheet contextLatest financial period
Profit before taxes€32,697Previous: €34,716
Operating profit (loss) trend4 periods
-€147
2022-12-31
-€39,804
2023-12-31
-€502
2024-12-31
-€495
2025-12-31
Profit (loss) for the financial year trend4 periods
-€147
2022-12-31
€32,701
2023-12-31
€34,716
2024-12-31
€32,527
2025-12-31
Assets trend4 periods
€144,263
2022-12-31
€160,615
2023-12-31
€170,614
2024-12-31
€310,965
2025-12-31

Additional financial figures

The company's financial figures across different years.

Profit for the financial year 2025€32,527
Balance sheet total 2025€310,965
Metric2025202420232022
Operating profit-€495-€502-€39,804-€147
Profit for the financial year€32,527€34,716€32,701-€147
Profit before taxes€32,697€34,716€32,701-€147
Equity ratio24,7 %33,3 %2 026,9 %-0,1 %
Balance sheet total€310,965€170,614€160,615€144,263
Employees-000

Financial ratios

Financial ratios based on financial statement data. Source: Lähdehavainto.

Equity ratioPassable
31/100 · Declining
24.7 %2024-12-31: 33.3 %
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 ratio-0.1 %2026.9 %33.3 %24.7 %
Current ratio----
Operating profit margin----

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3276164-8
EU IDFIFPRO.3276164-8
MunicipalityKuopio
Current registered entries
2022-03-24Registered in Patent and Registration Office (Trade Register)
2022-04-04Registered in Tax Administration (Tax Administration)

Responsible people

Public role relationships materialized from source observations.

Pantsu Mikko PetteriVarsinainen jäsenSources: 4 · Confidence: 78%
Pantsu Anne MaritaVarajäsenSources: 2 · Confidence: 78%

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
B1
StablePandami Oy
Grade upgradedB2 → B1 · new analysis 2026-10-21
Model score60/100
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
SolvencyDeteriorating · 2 consecutive periods
LiquidityNot enough history
Supporting factors
  • Company context reduces the weight of an isolated financial signal
  • Active registered status
  • Lower industry distress context
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
B1
2026-10-2160/100 · v0.15
B2 → B1 · +2 points
  • Assessment confidence: Low → Medium.
  • Evidence quality: Usable financial evidence → Limited financial evidence.
  • New risk factor: Sufficient structured financial metrics are not available.
B2
2026-09-2758/100 · v0.14
Oldest retained automatic assessment in this comparison
Automatic model gradeB1
Automatic model snapshot2026-10-21
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
89/100

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

Age and continuityNuori
35/100

The company has about 4 years of registry continuity.

Registry and status signalsRajallinen
38/100

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
21 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.
Risk grade updatedRisk gradeEvidence verified
27 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.

Registry timeline

Trade register notifications shown on a timeline.

5 register eventsLatest event: 2025-05-09

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

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