Finantify Oy

OYActive

Y-tunnus 3165290-9Satulamaakarintie 1 B, 02780 EspooOther financial service activities, except insurance and pension funding n.e.c.· NACE 6499Est. 2020 · 5 years old3,112 employees

Overview

Finantify Oy is a Finnish OY based in Espoo, operating in the Other financial service activities, except insurance and pension funding n.e.c. sector. Incorporated in 2020, the company has 3,112 employees and reported revenue of €117.9k in its latest annual filing.

Revenue 2025

117.9K EUR

−12% vs 2024

EBITDA margin

18.4 %

0% vs 2024

Net profit 2025

12.8K EUR

-39% vs 2024

Key ratios

See full ratios →

96.4 %

Strong

Among the 30% highest rated companies in the industry

20212025

22.2×

Strong

Among the 30% highest rated companies in the industry

20212025

21.7 %

Very strong

Among the 20% highest rated companies in the industry

20212025

EBITDA — year on year

EUR thousands

Key figures

Annual report 2025

Revenue	117.9K EUR	-12%
EBITDA	21.7K EUR	0%
Net profit	12.8K EUR	-39%
Total assets	59K EUR	+11%
Equity	56.9K EUR	+20%
Employees	3,112	—

Financial development

In its most recent annual report (2025), Finantify Oy reported revenue of €117.9k, a decrease of 12% 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 €12.8k, and the EBITDA margin stood at 18.4%.

At the end of 2025, equity financed 96.4% of the balance sheet, and current assets covered short-term debt 22.2 times.

Financials

Revenue

EUR thousands

EBITDA

EUR thousands

Income statement

EUR thousands

Item	2025	2024	2023	2022	2021
Revenue	118	133	75	22	7
Staff expenses	-47	-32	-21	-6	—
EBITDA	22	22	23	6	1
Depreciation & amort.	-0	-0	-0	—	—
EBIT	22	22	23	6	1
Net financials	-1	0	0	0	0
Profit before tax	13	21	23	6	1
Tax	-0	-0	-0	1	0
Net profit	13	21	23	5	1

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Balance sheet

EUR thousands

Item	2025	2024	2023	2022	2021
Total assets	59	53	0	18	8
Equity	57	48	31	11	6
Long-term debt	0	0	0	—	—
Short-term debt	2	5	5	7	2
Total debt	2	5	5	7	2

Financial ratios

5-year trend

EBITDA margin

18.4 %

20212025

Equity ratio

96.4 %

Strong

Among the 30% highest rated companies in the industry

20212025

Return on equity

22.5 %

Strong

Among the 30% highest rated companies in the industry

20212025

Net profit margin

10.9 %

Average

Around the average of companies in the same industry

20212025

Asset turnover

2.00×

Very strong

Among the 10% highest rated companies in the industry

20212025

Debt / equity

0.04×

Strong

Among the 30% highest rated companies in the industry

20212025

Sector performance

26 of 28 ratios graded

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

Profitability

Gross marginWeak

Among the 40% 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)Very strong

Among the 20% 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)Very strong

Among the 10% 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 30% 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 30% 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 ratioVery strong

Among the 20% 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 capitalStrong

Among the 40% highest rated companies in the 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 ratioVery strong

Among the 20% highest rated companies in the industry

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

Debt & solvency

Solidity ratioStrong

Among the 30% 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 30% 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 equityStrong

Among the 30% highest rated companies in the industry

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

Liabilities to equityStrong

Among the 30% highest rated companies in the industry

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

Income to debtVery strong

Among the 10% highest rated companies in the industry

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

EBITDA to debtVery strong

Among the 10% highest rated companies in the industry

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

Interest rate on debtVery strong

Among the 10% 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.

Interest coverageNot rated

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

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

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 debtVery strong

Among the 20% highest rated companies in the 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 2025-01-01 – 2025-12-31
View PDF
Annual report 2024
Filed via PRH / YTJ · Period 2024-01-01 – 2024-12-31
View PDF
Annual report 2023
Filed via PRH / YTJ · Period 2023-01-01 – 2023-12-31
View PDF
Annual report 2022
Filed via PRH / YTJ · Period 2022-01-01 – 2022-12-31
View PDF
Annual report 2021
Filed via PRH / YTJ · Period 2020-10-18 – 2021-12-31
View PDF

People & ownership

Management

Actively employed in the business

Name	Role	Member since
Current (2)
TJ Tapani Juhani Flink Chief Executive Officer	Chief Executive Officer	2020
RJ Riikka Johanna Piirainen Deputy Member	Deputy Member	2020

Board of directors

Non-executive oversight

Name	Role	Member since
Current (1)
TJ Tapani Juhani Flink Board of Directors	Board of Directors	2020

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 Finantify Oy also hold positions in 1 other company.

Person	Role here	Other companies
Tapani Juhani Flink	Chief Executive Officer	1 company

Frequently asked questions

What is the Y-tunnus number of Finantify Oy?

Finantify Oy is registered with PRH / YTJ under Y-tunnus 3165290-9.

What is the revenue of Finantify Oy?

Finantify Oy reported revenue of €117.9k in 2025.

How many employees does Finantify Oy have?

Finantify Oy employs 3112 people as of the latest annual report.

Who is the CEO of Finantify Oy?

Tapani Juhani Flink is the CEO of Finantify Oy.

Where is Finantify Oy headquartered?

Finantify Oy's registered address is Satulamaakarintie 1 B 13.