Business profile

Papsor Oy

Papsor Oy's registered office is Joensuu. It is a limited company. The company was established on 1997-09-10. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €36,915 and operating profit was €5,086.

Claim profileContact details
Business ID 1529073-3ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
1529073-3
Sector
Activities of insurance agents and brokers
Municipality
Joensuu
Company form
Limited company
Registration date
1997-09-10
Business ID registration date
1999-04-15
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Alasintie 2 B 2, 80130, Joensuu

Phone: +358405228012Source observation

Email: [email protected]Source observation

People and decision-makers

Kaksonen Tomi ArttuToimitusjohtaja

About Papsor Oy

Financial position and key figures for the company.

Papsor Oy's location municipality is Joensuu. It is a limited company. The company was established on 1997-09-10. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €36,915 and operating profit was €5,086. The latest retained financial statement for 2025-12-31 shows revenue of €36,915 and profit for the financial year of -€17,117. Based on the latest retained statement, revenue growth was +54.4%, operating margin was +9.8%, and equity ratio was +64.5%.

Auxiliary business names

Public alternate names materialized from source observations.

Itä-Suomen MarkkinointiRakennuskarjala

Financial highlights

Key figures from the latest financial period.

Latest financial period

2025-12-31

Imported periods0
PRH parsed0
Profile sourceSource observation
Derived indicators
Revenue growth54.4%
Operating margin9.8%
Equity ratio64.5%
Revenue€36,915+€13,002 (+54.4%) vs previous periodPrevious: €23,913
Operating profit (loss)€5,086-€6,615 (-56.5%) vs previous periodPrevious: €11,701
Profit (loss) for the financial year-€17,117-€21,784 (-466.8%) vs previous periodPrevious: €4,667
Assets€204,355-€86,073 (-29.6%) vs previous periodPrevious: €290,427
Balance-sheet contextLatest financial period
Profit before taxes-€17,114Previous: No comparison value
Employees1Previous: 1
Revenue trend5 periods
€55,495
2021-12-31
€23,913
2022-12-31
€25,893
2023-12-31
€23,913
2024-12-31
€36,915
2025-12-31
Operating profit (loss) trend5 periods
-€6,649
2021-12-31
€875
2022-12-31
€24,633
2023-12-31
€11,701
2024-12-31
€5,086
2025-12-31
Profit (loss) for the financial year trend5 periods
-€2,443
2021-12-31
€16,746
2022-12-31
€16,531
2023-12-31
€4,667
2024-12-31
-€17,117
2025-12-31
Assets trend5 periods
€325,359
2021-12-31
€316,229
2022-12-31
€311,571
2023-12-31
€290,427
2024-12-31
€204,355
2025-12-31

Additional financial figures

The company's financial figures across different years.

Revenue 2025€36,915
Profit for the financial year 2025-€17,117
Balance sheet total 2025€204,355
Metric20252024202320222021
Revenue€36,915€23,913€25,893€23,913€55,495
Revenue growth54,4 %-7,7 %8,3 %-56,9 %-53,6 %
Operating profit€5,086€11,701€24,633€875-€6,649
EBIT margin9,8 %27,5 %54 %2,1 %-9 %
Profit for the financial year-€17,117€4,667€16,531€16,746-€2,443
Profit before taxes-€17,114-€20,698€20,292-€2,628
Equity ratio64,5 %55,8 %54,9 %53,1 %50,5 %
Balance sheet total€204,355€290,427€311,571€316,229€325,359
Employees11---

Financial ratios

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

Equity ratioGood
81/100 · Improving
64.5 %2024-12-31: 55.8 %
Current ratioNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Operating profit marginSatisfactory
75/100 · Declining
9.8 %2024-12-31: 27.5 %
Ratio history
Ratio2021-12-312022-12-312023-12-312024-12-312025-12-31
Equity ratio50.5 %53.1 %54.9 %55.8 %64.5 %
Current ratio-----
Operating profit margin-9.0 %2.1 %54.0 %27.5 %9.8 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID1529073-3
VAT IDFI15290733
EU IDFIFPRO.1529073-3
MunicipalityJoensuu
Current registered entries
1997-09-10Registered in Patent and Registration Office (Trade Register)
1999-04-15Registered in Tax Administration (Tax Administration)
2001-10-17Registered in Tax Administration (Prepayment Register)
2020-01-01VAT-liable for agriculture and forestry in Tax Administration (VAT Register)

Responsible people

Public role relationships materialized from source observations.

Kaksonen Tomi ArttuToimitusjohtajaSources: 5 · Confidence: 78%
Kaksonen Tomi ArttuVarsinainen jäsenSources: 2 · Confidence: 78%
Kaksonen Jarno PetteriVarajäsenSources: 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
A2
Very goodPapsor Oy
Grade upgradedA3 → A2 · new analysis 2026-10-20
Model score84/100
Assessment confidenceMedium
Evidence qualityUsable financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
4 comparable periods
RevenueImproving
ProfitabilityDeteriorating · 2 consecutive periods
SolvencyImproving
LiquidityNot enough history
Peer comparisonSame industry, size and age groupDescriptive comparison – does not change the model score.
99 peers
Solvency35%
Below 65% of peers
Profitability52%
Close to the peer-group midpoint
Revenue growth84%
Better than 84% of peers
Supporting factors
  • Strong equity ratio
  • Strong operating profitability
  • Company context reduces the weight of an isolated financial signal
Risk factors to note
  • Negative profitability or net result
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessments
A2
2026-10-2084/100 · v0.15
A3 → A2 · +12 points
  • Revenue: Not enough history → Improving
  • Profitability: Not enough history → Deteriorating
  • Solvency: Not enough history → Improving
A3
2026-09-1772/100 · v0.14
Oldest retained automatic assessment in this comparison
Automatic model gradeA2
Automatic model snapshot2026-10-20
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 risklow
77/100

Industry context is low based on normalized open statistical inputs.

Age and continuityVakiintunut
90/100

The company has about 29 years of registry continuity.

Registry and status signalsSeurattava
74/100

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
20 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.
Risk grade updatedRisk gradeEvidence verified
17 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.

Registry timeline

Trade register notifications shown on a timeline.

13 register eventsLatest event: 2025-09-10

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-29.

This company profile has not been claimed yet

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