Risk grade updatedRisk gradeEvidence verified
28 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.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 2025-06-30, revenue was €1,342,519 and operating profit was €464,273.
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 2025-06-30, revenue was €1,342,519 and operating profit was €464,273. The latest retained financial statement for 2025-06-30 shows revenue of €1,342,519 and profit for the financial year of €417,786. Based on the latest retained statement, revenue growth was +1.1%, operating margin was +34.3%, and equity ratio was +63.6%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-06-30
0
0
Enriched source observation
Derived indicators
Revenue growth1.1%
Operating margin34.3%
Equity ratio63.6%
Revenue€1,342,519+€15,056 (+1.1%) vs previous periodPrevious: €1,327,463
Operating profit (loss)€464,273+€86,186 (+22.8%) vs previous periodPrevious: €378,087
Profit (loss) for the financial year€417,786+€48,566 (+13.2%) vs previous periodPrevious: €369,220
Assets€2,493,692-€650,940 (-20.7%) vs previous periodPrevious: €3,144,631
Balance-sheet contextLatest financial period
Employees0Previous: 0
Revenue trend5 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
Operating profit (loss) trend5 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
Profit (loss) for the financial year trend5 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
Assets trend3 periods
€2,921,003
2023-06-30
€3,144,631
2024-06-30
€2,493,692
2025-06-30
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
80/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2021-06-30 | 2022-06-30 | 2023-06-30 | 2024-06-30 | 2025-06-30 |
|---|---|---|---|---|---|
| Equity ratio | - | - | 27.4 % | 37.2 % | 63.6 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | 43.8 % | -5.9 % | 7.2 % | 28.3 % | 34.3 % |
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
88/100
Medium
Strong financial evidenceFinancial data included
Several key financial indicators show coordinated recovery.
4 comparable periodsRevenueImproving
ProfitabilityImproving · 3 consecutive periods
SolvencyImproving · 2 consecutive periods
LiquidityNot enough history
National Tier 1 comparisonDescriptive comparison – does not change the model score.
652 peersSolvency59%
Better than 59% of peers
Profitability89%
Better than 89% of peers
Revenue growth70%
Better than 70% of peers
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Coordinated recovery across 3 financial domains
Risk factors to note
No material separate warning signals.
A2
2026-09-28
open-risk-grade-v0.14
The grade can use open digital financial statement data together with registry signals.
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 signalsSeurattava
73/100
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.
Registry timeline
Trade register notifications shown on a timeline.
15 register eventsLatest event: 2026-01-26
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.