Ihander & Seljavaara Oy

OYActive

Y-tunnus 3100617-3Maakaupantie 1, 17200 VääksyNon-specialised retail sale of predominately food, beverages or tobacco· NACE 4711Est. 2019 · 6 years old16 employees

Overview

Ihander & Seljavaara Oy is a Finnish OY based in Vääksy, operating in the Non-specialised retail sale of predominately food, beverages or tobacco sector. Incorporated in 2019, the company has 16 employees and reported revenue of €9.2m in its latest annual filing.

Revenue 2025

9.2M EUR

−3% vs 2024

EBITDA margin

2.7 %

−7% vs 2024

Net profit 2025

0.2M EUR

-11% vs 2024

Key ratios

See full ratios →

64.3 %

Strong

Among the 40% highest rated companies in the industry

20212025

2.6×

Strong

Among the 40% highest rated companies in the industry

20212025

14.8 %

Strong

Among the 30% highest rated companies in the industry

20212025

EBITDA — year on year

EUR thousands

Key figures

Annual report 2025

Revenue	9.2M EUR	-3%
EBITDA	0.2M EUR	-7%
Net profit	0.2M EUR	-11%
Total assets	1.4M EUR	+8%
Equity	0.9M EUR	+19%
Employees	16	—

Financial development

In its most recent annual report (2025), Ihander & Seljavaara Oy reported revenue of €9.2m, a decrease of 3% on the year before. The figures on this page draw on 5 annual filings covering 2021 to 2025. The bottom line showed a net profit of €204.5k, and the EBITDA margin stood at 2.7%.

At the end of 2025, equity financed 64.3% of the balance sheet, and current assets covered short-term debt 2.6 times.

Financials

Revenue

EUR thousands

EBITDA

EUR thousands

Income statement

EUR thousands

Item	2025	2024	2023	2022	2021
Revenue	9,213	9,516	6,555	5,076	5,035
Staff expenses	-796	-756	-571	-442	-372
EBITDA	250	268	272	232	358
Depreciation & amort.	-0	-0	-0	—	—
EBIT	250	268	272	232	358
Net financials	6	17	2	-6	0
Profit before tax	256	284	275	227	294
Tax	51	55	55	47	59
Net profit	204	229	219	179	364

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Balance sheet

EUR thousands

Item	2025	2024	2023	2022	2021
Total assets	1,384	1,286	1,217	814	754
Equity	890	745	659	528	434
Long-term debt	0	0	0	—	—
Short-term debt	494	541	558	286	321
Total debt	494	541	558	286	321

Financial ratios

5-year trend

EBITDA margin

2.7 %

20212025

Equity ratio

64.3 %

Strong

Among the 40% highest rated companies in the industry

20212025

Return on equity

23.0 %

Strong

Among the 30% highest rated companies in the industry

20212025

Net profit margin

2.2 %

Average

Around the average of companies in the same industry

20212025

Asset turnover

6.66×

Very strong

Among the 10% highest rated companies in the industry

20212025

Debt / equity

0.56×

Average

Around the average of companies in the same industry

20212025

Sector performance

27 of 28 ratios graded

28 financial ratios from the latest filing, each graded against companies in the same industry.

Profitability

Gross marginWeak

Among the 30% lowest rated companies in the industry

The gross result as a share of revenue — how much of the revenue is left after variable costs to cover the company's fixed costs.

Operating marginAverage

Around the average of companies in the same industry

EBIT as a share of revenue — the share of revenue remaining as earnings once all operating costs are covered. A key measure of earning power.

Net profit marginAverage

Around the average of companies in the same industry

The profit for the year as a share of revenue — the company's ability to turn revenue into profit.

Return on equity (ROE)Strong

Among the 30% highest rated companies in the industry

Net profit as a percentage of equity — the return the owners earned on their invested capital this year.

Return on assets (ROA)Strong

Among the 30% highest rated companies in the industry

Net profit as a percentage of total assets — the return generated on the capital employed.

Return on net assets (RONA)Strong

Among the 30% highest rated companies in the industry

Profit relative to net assets (total assets minus total debt) — the ability to generate earnings from the net asset base alone.

Basic earning power (BEP)Strong

Among the 30% highest rated companies in the industry

EBIT relative to total assets — the company's earning power before the effects of tax and financial leverage.

Capacity ratioAverage

Around the average of companies in the same industry

Shows how strongly fixed costs weigh on the gross result — a high ratio means fixed costs take only a small bite out of the earnings from basic operations.

Liquidity

Current ratioStrong

Among the 40% highest rated companies in the industry

Current assets relative to short-term debt — the ability to settle short-term obligations with current assets alone. Around 150% is considered satisfactory from a credit perspective.

Quick ratioStrong

Among the 40% highest rated companies in the industry

Current assets excluding inventory relative to short-term debt — whether the most liquid assets alone can cover the short-term obligations. A value of 1 or above signals a healthy liquidity position.

Cash ratioStrong

Among the 30% highest rated companies in the industry

Cash relative to short-term debt — the ability to repay short-term obligations with cash alone.

Current assets to equityAverage

Around the average of companies in the same industry

Current assets relative to equity — an indicator of the balance-sheet structure and of the company's short- and long-term financing. The healthy level is highly industry-dependent.

Fixed assets to long-term capitalAverage

Around the average of companies in the same industry

Fixed assets relative to long-term capital (equity plus long-term liabilities). Below 100% means the long-term capital finances more than just the fixed assets — a healthier liquidity position.

Cash conversion ratioAverage

Around the average of companies in the same industry

Cash flow relative to profit — the ability to convert reported profits into accessible cash.

Debt & solvency

Solidity ratioStrong

Among the 40% highest rated companies in the industry

Equity as a share of total assets — the ability to absorb losses. Around 40% is considered satisfactory from a credit perspective.

Debt ratioStrong

Among the 40% highest rated companies in the industry

Total debt relative to the balance-sheet total — the share of the assets financed by debt rather than equity.

Debt to equityAverage

Around the average of companies in the same industry

Debt relative to equity — the company's leverage. A higher value means heavier reliance on debt financing.

Liabilities to equityAverage

Around the average of companies in the same industry

Total liabilities relative to equity — whether the company operates primarily on borrowed capital or on its own.

Income to debtStrong

Among the 30% highest rated companies in the industry

Profit relative to debt — the ability to create earnings while operating with debt.

EBITDA to debtStrong

Among the 30% highest rated companies in the industry

EBITDA relative to debt — how much operating earnings are available to service the debt.

Interest coverageVery strong

Among the 10% highest rated companies in the industry

The ability to pay the interest on the company's debt out of its earnings.

Interest rate on debtStrong

Among the 40% highest rated companies in the industry

Financial expenses relative to total liabilities — the effective interest rate the company pays on its debt.

Interest marginVery strong

Among the 20% highest rated companies in the industry

The return on assets minus the interest rate on debt. Positive means the company benefits from operating with debt; negative means the debt makes it worse off.

Efficiency & development

Asset turnoverVery strong

Among the 10% highest rated companies in the industry

Revenue relative to total assets — the ability to generate revenue from the asset base.

Inventory turnoverVery weak

Among the 20% lowest rated companies in the industry

Revenue relative to inventory — how many times a year the inventory is sold and replaced. A low value can indicate weak sales or excess inventory.

One-year change in equityStrong

Among the 30% highest rated companies in the industry

The size of this year's increase or decrease in the company's equity.

One-year change in debtAverage

Around the average of companies in the same industry

The size of this year's increase or decrease in the company's debt.

Equity to contributed capitalNot rated

Cannot be graded — the figures this ratio builds on are not available in the latest filing.

Total equity relative to the capital the owners contributed — how the equity has developed from its starting point.

Annual reports & filings

Annual report 2025
Filed via PRH / YTJ · Period 2024-11-01 – 2025-10-31
View PDF
Annual report 2024
Filed via PRH / YTJ · Period 2023-11-01 – 2024-10-31
View PDF
Annual report 2023
Filed via PRH / YTJ · Period 2022-11-01 – 2023-10-31
View PDF
Annual report 2022
Filed via PRH / YTJ · Period 2021-11-01 – 2022-10-31
View PDF
Annual report 2021
Filed via PRH / YTJ · Period 2020-11-01 – 2021-10-31
View PDF

People & ownership

Management

Actively employed in the business

Name	Role	Member since
Current (3)
TB Telma Beata Janna-Mikaela Seljavaara-Ihander Chief Executive Officer	Chief Executive Officer	2021
JA Jari Antero Kekki Deputy auditor	Deputy auditor	2021
KA Katja Adele Latva-Pirilä Audit	Audit	2021

Former (1)


MM Miika Markunpoika Ihander Partner	Partner	2019 – 2021

Board of directors

Non-executive oversight

Name	Role	Member since
Current (1)
MM Miika Markunpoika Ihander Board of Directors	Board of Directors	2021

Shareholders

Active legal owners

No shareholder data available.

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Related companies

Company hierarchy

No registered parent or subsidiaries

Board network connections

Board members of Ihander & Seljavaara Oy also hold positions in 781 other companies.

Person	Role here	Other companies
Jari Antero Kekki	Deputy auditor	408 companiesMany roles
Katja Adele Latva-Pirilä	Audit	372 companiesMany roles
Miika Markunpoika Ihander	Partner	1 company

Frequently asked questions

What is the Y-tunnus number of Ihander & Seljavaara Oy?

Ihander & Seljavaara Oy is registered with PRH / YTJ under Y-tunnus 3100617-3.

What is the revenue of Ihander & Seljavaara Oy?

Ihander & Seljavaara Oy reported revenue of €9.2m in 2025.

How many employees does Ihander & Seljavaara Oy have?

Ihander & Seljavaara Oy employs 16 people as of the latest annual report.

Who is the CEO of Ihander & Seljavaara Oy?

Telma Beata Janna-Mikaela Seljavaara-Ihander is the CEO of Ihander & Seljavaara Oy, in role since 2021.

Where is Ihander & Seljavaara Oy headquartered?

Ihander & Seljavaara Oy's registered address is Maakaupantie 1.