Business profile

Suomen Luotto-osuuskunta

Suomen Luotto-osuuskunta's registered office is Esbo. It is a cooperative. The company was established on 1965-11-19. It operates in the industry of other credit granting.

Claim profileContact details
Business ID 0201646-0ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
0201646-0
Sector
Other credit granting
Municipality
Esbo
Company form
Cooperative
Registration date
1965-11-19
Business ID registration date
1978-06-30
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Selkänuotankuja 5 B, 02230, Esbo

Phone: +358405077817Source observation

Email: [email protected]Source observation

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

E-invoice address: 003702016460Source: company website

People and decision-makers

Vitie Heikki Kalle KustaaToimitusjohtaja

About Suomen Luotto-osuuskunta

Financial position and key figures for the company.

Suomen Luotto-osuuskunta's location municipality is Esbo. It is a cooperative. The company was established on 1965-11-19. It operates in the industry of other credit granting. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +78.2%.

Auxiliary business names

Public alternate names materialized from source observations.

Finlands Kreditandelslag

Extended business activity

A longer directory- or registry-backed activity description that complements the short registry industry label.

Osuuskunta voi tarjota jäsenilleen maksu- ja luottokorttijärjestelmiin liittyviä palveluja sekä hoitaa aterialipukejärjestelmää itse, tytäryhtiönsä tai osakkuusyhtiönsä kautta taikka muutoin. Osuuskunta voi huolehtia konserniin kuuluvien yhtiöiden konsernihallinnollisista tehtävistä sekä hallinnoida osuuskunnan omaisuutta ja kiinteistöjä sekä harjoittaa arvopaperikauppaa ja muuta sijoitustoimintaa.

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 ratio78.2%
Profit (loss) for the financial year€3,936,439-€2,705,669 (-40.7%) vs previous periodPrevious: €6,642,108
Balance-sheet contextLatest financial period
Employees1Previous: 1
Profit (loss) for the financial year trend4 periods
€7,887,220
2022-12-31
€33,532
2023-12-31
€6,642,108
2024-12-31
€3,936,439
2025-12-31
Assets trend3 periods
€14,052,049
2022-12-31
€4,357,041
2023-12-31
€9,903,527
2024-12-31

Financial ratios

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

Equity ratioGood
98/100 · Declining
78.2 %2024-12-31: 92.1 %
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
Ratio2022-12-312023-12-312024-12-312025-12-31
Equity ratio74.7 %56.9 %92.1 %78.2 %
Current ratio----
Operating profit margin----

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID0201646-0
MunicipalityEsbo
Current registered entries
1965-11-19Registered in Patent and Registration Office (Trade Register)
1967-09-01Registered in Tax Administration (Employer Register)
1978-06-30Registered in Tax Administration (Tax Administration)
1995-03-01Registered in Tax Administration (Prepayment Register)

Responsible people

Public role relationships materialized from source observations.

Vitie Heikki Kalle KustaaToimitusjohtajaSources: 5 · Confidence: 78%
Kinnala Rami PetriPuheenjohtajaSources: 5 · Confidence: 78%
Hammar Minna MaaritVarsinainen jäsenSources: 4 · Confidence: 78%
Felin Ali KullervoVarsinainen jäsenSources: 4 · Confidence: 78%
Haimi Sampo SakariVarsinainen jäsenSources: 4 · Confidence: 78%
Annala Jari TapaniVarsinainen jäsenSources: 3 · Confidence: 78%
Karjalainen Jarkko JuhaniVarsinainen jäsenSources: 3 · Confidence: 78%
Juha-Pekka MylénPäävastuullinen tilintarkastajaSources: 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
A2
Very goodSuomen Luotto-osuuskunta
Grade unchangedA2 · new analysis 2026-10-17
Model score86/100
Assessment confidenceMedium
Evidence qualityLimited financial evidenceRegistry and statistics based
Financial trajectoryFinancial development is mostly stable or mixed.
4 comparable periods
RevenueNot enough history
ProfitabilityNot enough history
SolvencyVolatile
LiquidityNot enough history
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
  • Sufficient structured financial metrics are not available
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessments
A2
2026-10-1786/100 · v0.15
A2 → A2
A2
2026-09-2786/100 · v0.14
Oldest retained automatic assessment in this comparison
Automatic model gradeA2
Automatic model snapshot2026-10-17
Automatic model versionopen-risk-grade-v0.15
Registry and statistics based

The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 assessment.

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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
97/100

The company has about 60 years of registry continuity.

Registry and status signalsVakaa
85/100

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
27 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.

Registry timeline

Trade register notifications shown on a timeline.

27 register eventsLatest event: 2026-07-10

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-04-10.

This company profile has not been claimed yet

Suomen Luotto-osuuskunta shows public core facts. A company representative can claim the profile, update public information, and access owner tools.