Business profile

Penser Oy

Penser Oy's registered office is Turku. It is a limited company. The company was established on 1978-01-20. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2026-06-30, revenue was €800,896 and operating profit was €392,611.

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Business ID 0309047-8ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
0309047-8
Sector
Other activities auxiliary to financial services, except insurance and pension funding
Municipality
Turku
Company form
Limited company
Registration date
1978-01-20
Business ID registration date
1979-11-03
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Kaivokatu 18 A 46, 20520, Turku

Phone: +358500591877Source observation

Email: [email protected]Source observation

People and decision-makers

Haavisto Esa AnteroToimitusjohtaja

About Penser Oy

Financial position and key figures for the company.

Penser Oy's location municipality is Turku. It is a limited company. The company was established on 1978-01-20. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2026-06-30, revenue was €800,896 and operating profit was €392,611. The latest retained financial statement for 2026-06-30 shows revenue of €800,896 and profit for the financial year of €310,103. Based on the latest retained statement, revenue growth was -40.3%, operating margin was +49.0%, and equity ratio was +62.7%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2026-06-30

Imported periods1
PRH parsed1
Profile sourceCombined source
Derived indicators
Revenue growth-40.3%
Operating margin49.0%
Equity ratio62.7%
Revenue€800,896-€541,624 (-40.3%) vs previous periodPrevious: €1,342,520
Operating profit (loss)€392,611-€71,661 (-15.4%) vs previous periodPrevious: €464,273
Profit (loss) for the financial year€310,103-€107,684 (-25.8%) vs previous periodPrevious: €417,786
Assets€2,932,125+€438,433 (+17.6%) vs previous periodPrevious: €2,493,692
Balance-sheet contextLatest financial period
Other operating income€26,725Previous: €11,088
Inventory€2,825,142Previous: €2,465,069
Cash and bank€106,668Previous: €22,841
Retained earnings€1,524,422Previous: €1,166,636
Equity€1,837,047Previous: €1,586,945
Liabilities€1,095,078Previous: €906,747
Current assets€2,932,125Previous: €2,489,460
Current liabilities€1,095,078Previous: €906,747
Revenue trend6 periods
€673,738
2021-06-30
€1,009,754
2022-06-30
€779,611
2023-06-30
€1,327,463
2024-06-30
€1,342,519
2025-06-30
€800,896
2026-06-30
Operating profit (loss) trend6 periods
€307,644
2021-06-30
-€60,254
2022-06-30
€56,572
2023-06-30
€378,087
2024-06-30
€464,273
2025-06-30
€392,611
2026-06-30
Profit (loss) for the financial year trend6 periods
€269,864
2021-06-30
€13,505
2022-06-30
€99,258
2023-06-30
€369,220
2024-06-30
€417,786
2025-06-30
€310,103
2026-06-30
Assets trend4 periods
€2,921,003
2023-06-30
€3,144,631
2024-06-30
€2,493,692
2025-06-30
€2,932,125
2026-06-30

Additional financial figures

More company financial figures alongside PRH financial statements.

Revenue 2025€1,342,519
Profit for the financial year 2025€417,786
Balance sheet total 2025€2,493,692
Metric20252024202320222021
Revenue€1,342,519€1,327,463€779,611€1,009,754€673,738
Revenue growth1,1 %70,3 %-22,8 %49,9 %-16,2 %
Operating profit€464,273€378,087€56,572-€60,254€307,644
EBIT margin34,3 %28,3 %7,2 %-5,9 %43,8 %
Profit for the financial year€417,786€369,220€99,258€13,505€269,864
Profit before taxes-€458,988€126,467--
Equity ratio63,6 %37,2 %27,4 %--
Balance sheet total€2,493,692€3,144,631€2,921,003--
Employees00---

Financial ratios

Financial ratios based on financial statement data. Source: Yhdistetty lähde.

Equity ratioGood
78/100 · Declining
62.6 %2025-06-30: 63.6 %
Current ratioGood
89/100 · Declining
2.68x2025-06-30: 2.74x
Operating profit marginGood
100/100 · Improving
47.4 %2025-06-30: 34.3 %
Ratio history
Ratio2021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Equity ratio--27.4 %37.2 %63.6 %62.6 %
Current ratio-----2.68x
Operating profit margin43.8 %-5.9 %7.2 %28.3 %34.3 %47.4 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID0309047-8
EU IDFIFPRO.0309047-8
MunicipalityTurku
Current registered entries
1978-01-20Registered in Patent and Registration Office (Trade Register)
1979-11-03Registered in Tax Administration (Tax Administration)
1995-03-01Registered in Tax Administration (Prepayment Register)

Responsible people

Public role relationships materialized from source observations.

Haavisto Esa AnteroToimitusjohtajaSources: 5 · Confidence: 78%
Haavisto Esa AnteroPuheenjohtajaSources: 3 · Confidence: 78%
Haavisto Karoliina Helena ElisabethVarsinainen jäsenSources: 4 · Confidence: 78%
Haavisto Sirpa IreneVarsinainen jäsenSources: 4 · Confidence: 78%
Haavisto-Lawless Henriikka IreneVarsinainen jäsenSources: 3 · 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 goodPenser Oy
Grade unchangedA2 · new analysis 2026-11-06
Model score86/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
4 comparable periods
RevenueDeteriorating
ProfitabilityImproving · 3 consecutive periods
SolvencyImproving
LiquidityNot enough history
Peer comparisonSame industry, size and age groupDescriptive comparison – does not change the model score.
48 peers
Solvency33%
Below 67% of peers
Profitability77%
Better than 77% of peers
Liquidity58%
Better than 58% of peers
Revenue growth17%
Below 83% of peers
Financial statement reporting patternLimited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings
Latest registration lag116 days after period end
Typical registration lag116 days after period end
Annual continuity1 consecutive periods
Supporting factors
  • Strong equity ratio
  • Strong operating profitability
  • Healthy short-term liquidity
Risk factors to note
  • Sharp year-over-year revenue drop
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
A2
2026-11-0686/100 · v0.15
A2 → A2
A2
2026-10-3186/100 · v0.15
A2 → A2
A2
2026-10-27 12:1486/100 · v0.15
A2 → A2 · -1 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-06-30).
  • Assessment confidence: Medium → High.
  • Evidence quality: Usable financial evidence → Strong financial evidence.
A2
2026-10-2587/100 · v0.15
Oldest retained automatic assessment in this comparison
Automatic model gradeA2
Automatic model snapshot2026-11-06
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
88/100

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

Age and continuityVakiintunut
90/100

The company has about 48 years of registry continuity.

Registry and status signalsVakaa
83/100

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.

Financial statements registeredFinancialEvidence verified
3 Nov 2026 · PRH / KREKFINANCIAL STATEMENTS
Board registry eventRegistryEvidence verified
30 Oct 2026 · PRH / KREKBOARD OF DIRECTORS · SIGNING ON BEHALF OF THE COMPANY/REPRESENTATION BASED ON POSITION · AUDITORS
Financial statements registeredFinancialEvidence verified
24 Oct 2026 · PRH / KREKFINANCIAL STATEMENTS
Risk grade updatedRisk gradeEvidence verified
20 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.
Beneficial-owner registry eventRegistryEvidence verified
15 Oct 2026 · PRH / KREKACTUAL BENEFICIAL OWNERS
Risk grade updatedRisk gradeEvidence verified
28 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.
Financial statement availableFinancialEvidence verified
30 Jun 2026 · PRH / XBRLFinancial period ends 2026-06-30.

Registry timeline

Trade register notifications shown on a timeline.

19 register eventsLatest event: 2026-11-03

Financial statements availability

Available financial statement periods and PRH source filings.

1 financial statement periodsLatest financial period: 2026-06-30

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-26.

This company profile has not been claimed yet

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