Ab Bageri R. Fagerudd Leipomo Oy is a limited company based in Luoto, registered in 1981. In the financial year ending 31.10.2025, operating profit 10 t€; equity ratio 53.0 %. Its taxable income in 2024 was 24 t€ and its income taxes 4 848 €. Public buyers bought 93 € from it in 2022–2022; the largest buyer is Terveyden ja hyvinvoinnin laitos (Sosiaali- ja terveysministeriön hallinnonala).
Gross profit 2025645 t€-4 % on the previous year
Operating profit10 t€
Net profit6 444 €EBITDA 48 t€
Equity ratio53,0 %quick ratio 0,84
Taxable income 202424 t€
lower half of its industry
Income taxes 20244 848 €30 t€ in 2020–2024
In business45 yrsregistered 13.8.1981
Sales to public buyers93 €2022–2022
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Financials
Gross profitOperating profitNet profit
| Key figures | 31.10.2025 | 31.10.2024 | 31.10.2023 | 31.10.2022 | 31.10.2021 | 31.10.2020 |
|---|---|---|---|---|---|---|
| Revenue change | -4,0 % | -4,3 % | 3,1 % | -8,1 % | 12,0 % | – |
| Gross profit | 645 t€ | 672 t€ | 702 t€ | 681 t€ | 741 t€ | 662 t€ |
| EBITDA | 48 t€ | 66 t€ | 86 t€ | 31 t€ | 70 t€ | 57 t€ |
| Operating profit | 10 t€ | 28 t€ | 46 t€ | 1 445 € | 38 t€ | 33 t€ |
| Net profit | 6 444 € | 20 t€ | 43 t€ | 2 968 € | 30 t€ | 25 t€ |
| Personnel costs | 502 t€ | 533 t€ | 541 t€ | 547 t€ | 546 t€ | 499 t€ |
| Equity ratio | 53,0 % | 55,3 % | 52,6 % | 42,9 % | 51,9 % | 51,0 % |
| Quick ratio | 0,84 | 0,97 | 0,90 | 0,70 | 1,17 | 1,28 |
| Current ratio | 1,11 | 1,31 | 1,23 | 0,97 | 1,47 | 1,51 |
| Return on equity | 2,7 % | 7,9 % | 17,1 % | 1,3 % | 12,4 % | 10,8 % |
| Balance sheet total | 451 t€ | 457 t€ | 481 t€ | 533 t€ | 471 t€ | 456 t€ |
| Equity | 239 t€ | 253 t€ | 253 t€ | 229 t€ | 245 t€ | 232 t€ |
| Cash and bank | 95 t€ | 108 t€ | 101 t€ | 48 t€ | 184 t€ | 188 t€ |
Balance sheet
Balance sheet totalEquityCash
Income statement and balance sheet
Income statement
| 31.10.2025 | 31.10.2024 | 31.10.2023 | 31.10.2022 | 31.10.2021 | 31.10.2020 | |
|---|---|---|---|---|---|---|
| Gross profit or loss | 645 t€ | 672 t€ | 702 t€ | 681 t€ | 741 t€ | 662 t€ |
| Personnel expenses | -502 t€ | -533 t€ | -541 t€ | -547 t€ | -546 t€ | -499 t€ |
| Depreciations and reductions in value | -38 t€ | -37 t€ | -40 t€ | -29 t€ | -33 t€ | -24 t€ |
| Other operating expenses | -94 t€ | -73 t€ | -75 t€ | -103 t€ | -125 t€ | -106 t€ |
| Operating profit (loss) | 10 t€ | 28 t€ | 46 t€ | 1 445 € | 38 t€ | 33 t€ |
| Financial income and expenses + (-) | -2 069 € | -3 587 € | 8 468 € | 2 211 € | 27 € | -1 507 € |
| Profit (loss) before appropriations and taxes | 8 025 € | 25 t€ | 54 t€ | 3 656 € | 38 t€ | 31 t€ |
| Income taxes | -1 581 € | -4 848 € | -11 t€ | -688 € | -7 527 € | -5 879 € |
| Profit (loss) for the financial year | 6 444 € | 20 t€ | 43 t€ | 2 968 € | 30 t€ | 25 t€ |
Balance sheet
| 31.10.2025 | 31.10.2024 | 31.10.2023 | 31.10.2022 | 31.10.2021 | 31.10.2020 | |
|---|---|---|---|---|---|---|
| Non-current assets | 236 t€ | 240 t€ | 272 t€ | 315 t€ | 138 t€ | 117 t€ |
| Stocks | 53 t€ | 56 t€ | 57 t€ | 60 t€ | 68 t€ | 53 t€ |
| Receivables | 67 t€ | 54 t€ | 52 t€ | 110 t€ | 81 t€ | 98 t€ |
| Cash in hand and at banks | 95 t€ | 108 t€ | 101 t€ | 48 t€ | 184 t€ | 188 t€ |
| Current assets | 215 t€ | 217 t€ | 210 t€ | 218 t€ | 333 t€ | 339 t€ |
| Assets | 451 t€ | 457 t€ | 481 t€ | 533 t€ | 471 t€ | 456 t€ |
| Share capital or other similar capital | 17 t€ | 17 t€ | 17 t€ | 17 t€ | 17 t€ | 17 t€ |
| Capital and reserves | 239 t€ | 253 t€ | 253 t€ | 229 t€ | 245 t€ | 232 t€ |
| Long-term liabilities | 18 t€ | 38 t€ | 58 t€ | 78 t€ | 0 € | – |
| Short-term liabilities | 194 t€ | 166 t€ | 170 t€ | 226 t€ | 227 t€ | 224 t€ |
| Liabilities | 212 t€ | 205 t€ | 228 t€ | 304 t€ | 227 t€ | 224 t€ |
All financial statement items (48)
| 31.10.2025 | 31.10.2024 | 31.10.2023 | 31.10.2022 | 31.10.2021 | 31.10.2020 | |
|---|---|---|---|---|---|---|
| Gross profit or loss | 645 t€ | 672 t€ | 702 t€ | 681 t€ | 741 t€ | 662 t€ |
| Personnel expenses | -502 t€ | -533 t€ | -541 t€ | -547 t€ | -546 t€ | -499 t€ |
| Depreciations and reductions in value | -38 t€ | -37 t€ | -40 t€ | -29 t€ | -33 t€ | -24 t€ |
| Other operating expenses | -94 t€ | -73 t€ | -75 t€ | -103 t€ | -125 t€ | -106 t€ |
| Operating profit (loss) | 10 t€ | 28 t€ | 46 t€ | 1 445 € | 38 t€ | 33 t€ |
| Financial income and expenses + (-) | -2 069 € | -3 587 € | 8 468 € | 2 211 € | 27 € | -1 507 € |
| Profit (loss) before appropriations and taxes | 8 025 € | 25 t€ | 54 t€ | 3 656 € | 38 t€ | 31 t€ |
| Income taxes | -1 581 € | -4 848 € | -11 t€ | -688 € | -7 527 € | -5 879 € |
| Profit (loss) for the financial year | 6 444 € | 20 t€ | 43 t€ | 2 968 € | 30 t€ | 25 t€ |
| Non-current assets | 236 t€ | 240 t€ | 272 t€ | 315 t€ | 138 t€ | 117 t€ |
| Stocks | 53 t€ | 56 t€ | 57 t€ | 60 t€ | 68 t€ | 53 t€ |
| Receivables | 67 t€ | 54 t€ | 52 t€ | 110 t€ | 81 t€ | 98 t€ |
| Cash in hand and at banks | 95 t€ | 108 t€ | 101 t€ | 48 t€ | 184 t€ | 188 t€ |
| Current assets | 215 t€ | 217 t€ | 210 t€ | 218 t€ | 333 t€ | 339 t€ |
| Assets | 451 t€ | 457 t€ | 481 t€ | 533 t€ | 471 t€ | 456 t€ |
| Share capital or other similar capital | 17 t€ | 17 t€ | 17 t€ | 17 t€ | 17 t€ | 17 t€ |
| Capital and reserves | 239 t€ | 253 t€ | 253 t€ | 229 t€ | 245 t€ | 232 t€ |
| Long-term liabilities | 18 t€ | 38 t€ | 58 t€ | 78 t€ | 0 € | – |
| Short-term liabilities | 194 t€ | 166 t€ | 170 t€ | 226 t€ | 227 t€ | 224 t€ |
| Liabilities | 212 t€ | 205 t€ | 228 t€ | 304 t€ | 227 t€ | 224 t€ |
| Short-term accounts payable | 91 t€ | 55 t€ | 73 t€ | 133 t€ | 144 t€ | 102 t€ |
| Short-term prepayments and accrued income | 22 t€ | 10 t€ | 5 690 € | 8 709 € | 12 t€ | 22 t€ |
| Depreciations according to plan | -38 t€ | -37 t€ | -40 t€ | -29 t€ | -33 t€ | -24 t€ |
| Short-term liabilities to credit institutions | 20 t€ | 20 t€ | 20 t€ | 20 t€ | 0 € | – |
| Land and water areas, Owned | 3 742 € | 3 742 € | 3 742 € | 3 742 € | 3 742 € | 3 742 € |
| Other tangible assets | 115 t€ | 132 t€ | 150 t€ | 168 t€ | 819 € | 1 092 € |
| Investments | 191 € | 191 € | 191 € | 2 814 € | 11 t€ | 11 t€ |
| Retained earnings | 216 t€ | 216 t€ | 193 t€ | 209 t€ | 198 t€ | 190 t€ |
| Liabilities | 451 t€ | 457 t€ | 481 t€ | 533 t€ | 471 t€ | 456 t€ |
| Other interest and financial income from non-group companies | 220 € | 595 € | 13 t€ | 4 187 € | 55 € | 2 € |
| Short-term receivables | 67 t€ | 54 t€ | 52 t€ | 110 t€ | 81 t€ | 98 t€ |
| Short-term accrued expenses and deferred income | 61 t€ | 69 t€ | 56 t€ | 60 t€ | 63 t€ | 98 t€ |
| Short-term sales receivables | 39 t€ | 38 t€ | 39 t€ | 63 t€ | 67 t€ | 76 t€ |
| Pension expenses | -75 t€ | -82 t€ | -85 t€ | -85 t€ | -81 t€ | -75 t€ |
| Machinery and equipment | 64 t€ | 47 t€ | 57 t€ | 69 t€ | 88 t€ | 64 t€ |
| Advance payments and construction in progress | – | – | 0 € | 39 t€ | 0 € | – |
| Finished products | 53 t€ | 56 t€ | 57 t€ | 60 t€ | 68 t€ | 53 t€ |
| Long-term liabilities to credit institutions | 18 t€ | 38 t€ | 58 t€ | 78 t€ | 0 € | – |
| Other current liabilities | 22 t€ | 22 t€ | 21 t€ | 13 t€ | 19 t€ | 24 t€ |
| Income from other investments under non-current assets, from other companies | – | – | 0 € | 646 € | 1 000 € | 150 € |
| Tangible assets | 236 t€ | 240 t€ | 271 t€ | 312 t€ | 128 t€ | 107 t€ |
| Other social security expenses | -11 t€ | -11 t€ | -14 t€ | -17 t€ | -20 t€ | -12 t€ |
| Buildings and structures, Owned | 53 t€ | 57 t€ | 61 t€ | 33 t€ | 35 t€ | 38 t€ |
| Wages and salaries | -416 t€ | -440 t€ | -442 t€ | -445 t€ | -444 t€ | -412 t€ |
| Other short-term receivables | 6 183 € | 5 216 € | 6 752 € | 38 t€ | 1 740 € | 35 € |
| Other shares and similar rights of ownership | 191 € | 191 € | 191 € | 2 814 € | 11 t€ | 11 t€ |
| Profit (loss) for the period, equity | 6 444 € | 20 t€ | 43 t€ | 2 968 € | 30 t€ | 25 t€ |
| Interest expenses and other financial expenses for non-Group companies | -2 288 € | -4 182 € | -4 719 € | -2 622 € | -1 027 € | -1 658 € |
From financial statements filed digitally (XBRL) with the Finnish Patent and Registration Office; ratios calculated from them. Equity ratio = (equity + accumulated appropriations) / (balance sheet total − advances received).
Taxes
Measured by taxable income, Ab Bageri R. Fagerudd Leipomo Oy is in the lower half of the industry class manufacture of bread; manufacture of fresh pastry goods and cakes (159 companies with taxable income; median 28 t€).
Taxable income is the profit as calculated for taxation, not revenue. Public data from the Finnish Tax Administration; figures for 2025 are published in November 2026.