Business profile

Säästöpankki Sinetti

Säästöpankki Sinetti's registered office is Orivesi. It is a savings bank. The company was established on 1919-08-13. It operates in the industry of other monetary intermediation.

Business ID 0197848-1ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
0197848-1
Sector
Other monetary intermediation
Municipality
Orivesi
Company form
Savings bank
Registration date
1919-08-13
Business ID registration date
1978-06-16
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Keskustie 35, 35300, Orivesi

Phone: +358103912000Source observation

Website: https://www.saastopankki.fi/sinettiSource observation

Facebook profile: https://www.facebook.com/saastopankkiSource: company website

Instagram profile: https://www.instagram.com/saastopankkiSource: company website

Linkedin profile: https://www.linkedin.com/company/saastopankkiryhmaSource: company website

Youtube profile: https://www.youtube.com/@saastopankkiryhmaSource: company website

People and decision-makers

Syvänen Hannu Toivo RikhardToimitusjohtaja

About Säästöpankki Sinetti

Financial position and key figures for the company.

Säästöpankki Sinetti's location municipality is Orivesi. It is a savings bank. The company was established on 1919-08-13. It operates in the industry of other monetary intermediation. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +8.9%.

Financial highlights

Key figures from the latest financial period.

Latest financial period

2025-12-31

Imported periods0
PRH parsed0
Profile sourceEnriched source observation
Derived indicators
Equity ratio8.9%
Operating profit (loss)€4,285,769-€815,406 (-16.0%) vs previous periodPrevious: €5,101,175
Profit (loss) for the financial year€1,954,315-€1,560,712 (-44.4%) vs previous periodPrevious: €3,515,027
Assets€358,556,014+€48,994,323 (+15.8%) vs previous periodPrevious: €309,561,692
Balance-sheet contextLatest financial period
Operating profit (loss) trend5 periods
€2,039,914
2021-12-31
€2,740,636
2022-12-31
€4,071,641
2023-12-31
€5,101,175
2024-12-31
€4,285,769
2025-12-31
Profit (loss) for the financial year trend5 periods
€1,053,192
2021-12-31
€1,323,826
2022-12-31
€3,441,647
2023-12-31
€3,515,027
2024-12-31
€1,954,315
2025-12-31
Assets trend5 periods
€254,126,967
2021-12-31
€287,714,011
2022-12-31
€284,698,465
2023-12-31
€309,561,692
2024-12-31
€358,556,014
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.

Equity ratioWeak
11/100 · Declining
8.9 %2024-12-31: 9.4 %
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
Ratio2021-12-312022-12-312023-12-312024-12-312025-12-31
Equity ratio-7.7 %9.1 %9.4 %8.9 %
Current ratio-----
Operating profit margin-----

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID0197848-1
VAT IDFI01978481
MunicipalityOrivesi
Current registered entries
1919-08-13Registered in Patent and Registration Office (Trade Register)
1977-10-01Registered in Tax Administration (Employer Register)
1978-06-16Registered in Tax Administration (Tax Administration)
1995-01-01Member of liability group in Tax Administration (VAT Register)
1995-03-01Registered in Tax Administration (Prepayment Register)

Responsible people

Public role relationships materialized from source observations.

Syvänen Hannu Toivo RikhardToimitusjohtajaSources: 4 · Confidence: 78%
Nieminen Veli Markku EdvardPuheenjohtajaSources: 4 · Confidence: 78%
Arvaja Eija AnneleVarapuheenjohtajaSources: 3 · Confidence: 78%
Kärkkäinen Antti JuhanaVarsinainen jäsenSources: 4 · Confidence: 78%
Mäkitalo Ari TapaniVarsinainen jäsenSources: 4 · Confidence: 78%
Pohjala Jussi KustaaVarsinainen jäsenSources: 3 · Confidence: 78%
Tapaninaho Riikka MariaVarsinainen jäsenSources: 3 · Confidence: 78%
Haukioja Riikka MariaOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Liukkonen Heikki TapioOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Rokkonen Arja HelenaOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Atte Aleksi Porkkalaisännistön jäsenSources: 1 · Confidence: 76%

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
StableSäästöpankki Sinetti
Model score60/100
Assessment confidenceLow
Evidence qualityUsable financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
4 comparable periods
RevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
LiquidityNot enough history
Peer comparisonNational Tier 1 comparisonDescriptive comparison – does not change the model score.
578 peers
Solvency21%
Below 79% of peers
Supporting factors
  • Company context reduces the weight of an isolated financial signal
  • Active registered status
  • Long registry continuity
Risk factors to note
  • High balance-sheet leverage
Automatic model gradeB1
Automatic model snapshot2026-10-10
Automatic model versionopen-risk-grade-v0.14
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
87/100

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

Age and continuityVakiintunut
100/100

The company has about 107 years of registry continuity.

Registry and status signalsVakaa
80/100

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
10 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.

Registry timeline

Trade register notifications shown on a timeline.

20 register eventsLatest event: 2026-02-24

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-02-24.

This company profile has not been claimed yet

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