Business profile

Panostaja Oyj

Panostaja Oyj's registered office is Tampere. It is a public limited company. The company was established on 1984-12-31. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €146,400,000 and operating profit was €162,000.

Claim profileContact details
Business ID 0585148-8ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
0585148-8
Sector
Other financial service activities, except insurance and pension funding n.e.c.
Municipality
Tampere
Company form
Public limited company
Registration date
1984-12-31
Business ID registration date
1985-03-04
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Kalevantie 2, 33100, Tampere

Website: https://www.panostaja.fiSource observation

People and decision-makers

Tapio TommilaToimitusjohtaja

About Panostaja Oyj

Financial position and key figures for the company.

Panostaja Oyj's location municipality is Tampere. It is a public limited company. The company was established on 1984-12-31. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €146,400,000 and operating profit was €162,000. The latest retained financial statement for 2025-12-31 shows revenue of €146,400,000 and profit for the financial year of -€3,026,000. Based on the latest retained statement, revenue growth was +15.9%, operating margin was +0.1%, and equity ratio was +38.1%.

Financial highlights

Key figures from the latest financial period.

Latest financial period

2025-12-31

Imported periods0
PRH parsed0
Profile sourceNasdaq Helsinki / ESEF
Derived indicators
Revenue growth15.9%
Operating margin0.1%
Equity ratio38.1%
Revenue€146,400,000+€20,060,000 (+15.9%) vs previous periodPrevious: €126,340,000
Operating profit (loss)€162,000-€1,619,000 (-90.9%) vs previous periodPrevious: €1,781,000
Profit (loss) for the financial year-€3,026,000+€189,000 (+5.9%) vs previous periodPrevious: -€3,215,000
Assets€123,237,000-€8,654,000 (-6.6%) vs previous periodPrevious: €131,891,000
Balance-sheet contextLatest financial period
Cash and bank€6,519,000Previous: €9,082,000
Inventory€6,350,000Previous: €5,288,000
Profit before taxes-€2,500,000Previous: -€3,801,000
Equity€46,975,000Previous: €49,632,000
Liabilities€76,107,000Previous: €82,259,000
Current assets€31,246,000Previous: €36,055,000
Current liabilities€36,607,000Previous: €39,388,000
Revenue trend2 periods
€126,340,000
2024-10-31
€146,400,000
2025-12-31
Operating profit (loss) trend2 periods
€1,781,000
2024-10-31
€162,000
2025-12-31
Profit (loss) for the financial year trend2 periods
-€3,215,000
2024-10-31
-€3,026,000
2025-12-31
Assets trend2 periods
€131,891,000
2024-10-31
€123,237,000
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: Nasdaq Helsinki / ESEF.

Equity ratioSatisfactory
48/100 · Improving
38.1 %2024-10-31: 37.6 %
Current ratioWeak
12/100 · Declining
0.35x2024-10-31: 0.36x
Operating profit marginPassable
50/100 · Declining
0.1 %2024-10-31: 1.4 %
Ratio history
Ratio2024-10-312025-12-31
Equity ratio37.6 %38.1 %
Current ratio0.36x0.35x
Operating profit margin1.4 %0.1 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID0585148-8
VAT IDFI05851488
EU IDFIFPRO.0585148-8
MunicipalityTampere
Current registered entries
1984-12-31Registered in Patent and Registration Office (Trade Register)
1985-01-01Registered in Tax Administration (Employer Register)
1985-03-04Registered in Tax Administration (Tax Administration)
1994-06-01VAT-liable for business activity in Tax Administration (VAT Register)
1996-05-03Registered in Tax Administration (Prepayment Register)

Responsible people

Public role relationships materialized from source observations.

Tapio TommilaToimitusjohtajaSources: 1 · Confidence: 99%

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
GoodPanostaja Oyj
Grade unchangedA3 · new analysis 2026-10-17
Model score72/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Peer comparisonSame industryDescriptive comparison – does not change the model score.
387 peers
Solvency36%
Below 64% of peers
Profitability67%
Better than 67% of peers
Liquidity47%
Close to the peer-group midpoint
Revenue growth87%
Better than 87% of peers
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
  • Weak current ratio
  • Negative profitability or net result
  • Losses in the latest and previous available periods
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
3 assessments
A3
2026-10-1772/100 · v0.15
A3 → A3
A3
2026-10-1572/100 · v0.14
A3 → A3 · -6 points
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
  • New risk factor: Weak current ratio.
A3
2026-10-0678/100 · 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
89/100

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

Age and continuityVakiintunut
90/100

The company has about 41 years of registry continuity.

Registry and status signalsVakaa
88/100

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
6 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.

Registry timeline

Trade register notifications shown on a timeline.

44 register eventsLatest event: 2026-05-30

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

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