Pelti-Seppälä Oy is a limited company based in Heinola, registered in 1987. In the financial year ending 31.12.2025, revenue was 306 t€ and operating profit 49 t€; equity ratio 90.1 %. Its taxable income in 2024 was 68 t€ and its income taxes 14 t€.
Revenue 2025306 t€-13 % on the previous year
Operating profit49 t€15,9 % of revenue
Net profit42 t€EBITDA 19 t€
Equity ratio90,1 %quick ratio 5,37
Taxable income 202468 t€
upper half of its industry
Income taxes 202414 t€68 t€ in 2020–2024
In business39 yrsregistered 22.4.1987
Financials
RevenueOperating profitNet profit
| Key figures | 31.12.2025 | 31.12.2024 | 31.12.2023 | 31.12.2022 | 31.12.2021 | 31.12.2020 |
|---|---|---|---|---|---|---|
| Revenue | 306 t€ | 352 t€ | 489 t€ | 533 t€ | 516 t€ | 631 t€ |
| Revenue change | -13,0 % | -28,2 % | -8,2 % | 3,2 % | -18,2 % | – |
| EBITDA | 19 t€ | 115 t€ | 167 t€ | 137 t€ | 119 t€ | 125 t€ |
| EBITDA % | 6,2 % | 32,6 % | 34,1 % | 25,7 % | 23,1 % | 19,8 % |
| Operating profit | 49 t€ | 68 t€ | 90 t€ | 75 t€ | 44 t€ | 66 t€ |
| Operating margin | 15,9 % | 19,2 % | 18,3 % | 14,0 % | 8,4 % | 10,4 % |
| Net profit | 42 t€ | 56 t€ | 74 t€ | 64 t€ | 39 t€ | 57 t€ |
| Personnel costs | -139 t€ | 157 t€ | 188 t€ | 188 t€ | 231 t€ | 229 t€ |
| Equity ratio | 90,1 % | 88,3 % | 69,8 % | 77,2 % | 72,4 % | 72,4 % |
| Quick ratio | 5,37 | 4,12 | 1,61 | 1,64 | 1,59 | 1,63 |
| Current ratio | 5,89 | 4,48 | 1,73 | 1,86 | 1,78 | 1,79 |
| Debt to revenue | 15,2 % | 15,7 % | 34,5 % | 19,1 % | 22,6 % | 17,6 % |
| Return on equity | 9,9 % | 13,5 % | 18,9 % | 18,5 % | 12,7 % | 19,7 % |
| Balance sheet total | 466 t€ | 468 t€ | 559 t€ | 446 t€ | 423 t€ | 403 t€ |
| Equity | 420 t€ | 413 t€ | 390 t€ | 345 t€ | 307 t€ | 292 t€ |
| Cash and bank | 101 t€ | 115 t€ | 176 t€ | 101 t€ | 128 t€ | 117 t€ |
Balance sheet
Balance sheet totalEquityCash
Income statement and balance sheet
Income statement
| 31.12.2025 | 31.12.2024 | 31.12.2023 | 31.12.2022 | 31.12.2021 | 31.12.2020 | |
|---|---|---|---|---|---|---|
| Turnover | 306 t€ | 352 t€ | 489 t€ | 533 t€ | 516 t€ | 631 t€ |
| Other operating income | 22 t€ | 26 t€ | 41 t€ | 5 334 € | 0 € | 1 483 € |
| Raw materials and services | 59 t€ | -52 t€ | -108 t€ | -140 t€ | -90 t€ | -118 t€ |
| Personnel expenses | 139 t€ | -157 t€ | -188 t€ | -188 t€ | -231 t€ | -229 t€ |
| Depreciations and reductions in value | 30 t€ | -47 t€ | -77 t€ | -62 t€ | -75 t€ | -59 t€ |
| Other operating expenses | 52 t€ | -54 t€ | -67 t€ | -73 t€ | -76 t€ | -71 t€ |
| Operating profit (loss) | 49 t€ | 68 t€ | 90 t€ | 75 t€ | 44 t€ | 66 t€ |
| Financial income and expenses + (-) | -3 058 € | 1 779 € | 1 966 € | 4 005 € | 4 012 € | 4 010 € |
| Profit (loss) before appropriations and taxes | 52 t€ | 69 t€ | 92 t€ | 79 t€ | 48 t€ | 70 t€ |
| Income taxes | 9 982 € | -14 t€ | -18 t€ | -15 t€ | -8 725 € | -12 t€ |
| Profit (loss) for the financial year | 42 t€ | 56 t€ | 74 t€ | 64 t€ | 39 t€ | 57 t€ |
Balance sheet
| 31.12.2025 | 31.12.2024 | 31.12.2023 | 31.12.2022 | 31.12.2021 | 31.12.2020 | |
|---|---|---|---|---|---|---|
| Non-current assets | 194 t€ | 222 t€ | 266 t€ | 257 t€ | 216 t€ | 204 t€ |
| Stocks | 24 t€ | 20 t€ | 22 t€ | 22 t€ | 22 t€ | 17 t€ |
| Receivables | 68 t€ | 92 t€ | 95 t€ | 66 t€ | 57 t€ | 65 t€ |
| Cash in hand and at banks | 101 t€ | 115 t€ | 176 t€ | 101 t€ | 128 t€ | 117 t€ |
| Current assets | 273 t€ | 247 t€ | 293 t€ | 189 t€ | 207 t€ | 199 t€ |
| Assets | 466 t€ | 468 t€ | 559 t€ | 446 t€ | 423 t€ | 403 t€ |
| Share capital or other similar capital | 8 409 € | 8 409 € | 8 409 € | 8 409 € | 8 409 € | 8 409 € |
| Capital and reserves | 420 t€ | 413 t€ | 390 t€ | 345 t€ | 307 t€ | 292 t€ |
| Short-term liabilities | 46 t€ | 55 t€ | 169 t€ | 102 t€ | 117 t€ | 111 t€ |
| Liabilities | 46 t€ | 55 t€ | 169 t€ | 102 t€ | 117 t€ | 111 t€ |
All financial statement items (56)
| 31.12.2025 | 31.12.2024 | 31.12.2023 | 31.12.2022 | 31.12.2021 | 31.12.2020 | |
|---|---|---|---|---|---|---|
| Turnover | 306 t€ | 352 t€ | 489 t€ | 533 t€ | 516 t€ | 631 t€ |
| Other operating income | 22 t€ | 26 t€ | 41 t€ | 5 334 € | 0 € | 1 483 € |
| Raw materials and services | 59 t€ | -52 t€ | -108 t€ | -140 t€ | -90 t€ | -118 t€ |
| Personnel expenses | 139 t€ | -157 t€ | -188 t€ | -188 t€ | -231 t€ | -229 t€ |
| Depreciations and reductions in value | 30 t€ | -47 t€ | -77 t€ | -62 t€ | -75 t€ | -59 t€ |
| Other operating expenses | 52 t€ | -54 t€ | -67 t€ | -73 t€ | -76 t€ | -71 t€ |
| Operating profit (loss) | 49 t€ | 68 t€ | 90 t€ | 75 t€ | 44 t€ | 66 t€ |
| Financial income and expenses + (-) | -3 058 € | 1 779 € | 1 966 € | 4 005 € | 4 012 € | 4 010 € |
| Profit (loss) before appropriations and taxes | 52 t€ | 69 t€ | 92 t€ | 79 t€ | 48 t€ | 70 t€ |
| Income taxes | 9 982 € | -14 t€ | -18 t€ | -15 t€ | -8 725 € | -12 t€ |
| Profit (loss) for the financial year | 42 t€ | 56 t€ | 74 t€ | 64 t€ | 39 t€ | 57 t€ |
| Non-current assets | 194 t€ | 222 t€ | 266 t€ | 257 t€ | 216 t€ | 204 t€ |
| Stocks | 24 t€ | 20 t€ | 22 t€ | 22 t€ | 22 t€ | 17 t€ |
| Receivables | 68 t€ | 92 t€ | 95 t€ | 66 t€ | 57 t€ | 65 t€ |
| Cash in hand and at banks | 101 t€ | 115 t€ | 176 t€ | 101 t€ | 128 t€ | 117 t€ |
| Current assets | 273 t€ | 247 t€ | 293 t€ | 189 t€ | 207 t€ | 199 t€ |
| Assets | 466 t€ | 468 t€ | 559 t€ | 446 t€ | 423 t€ | 403 t€ |
| Share capital or other similar capital | 8 409 € | 8 409 € | 8 409 € | 8 409 € | 8 409 € | 8 409 € |
| Capital and reserves | 420 t€ | 413 t€ | 390 t€ | 345 t€ | 307 t€ | 292 t€ |
| Short-term liabilities | 46 t€ | 55 t€ | 169 t€ | 102 t€ | 117 t€ | 111 t€ |
| Liabilities | 46 t€ | 55 t€ | 169 t€ | 102 t€ | 117 t€ | 111 t€ |
| Other current liabilities | 11 t€ | 18 t€ | 16 t€ | 15 t€ | 49 t€ | 42 t€ |
| Other tangible assets | 336 € | 336 € | 336 € | 336 € | 336 € | 336 € |
| Other intangible assets | 0 € | 72 € | 801 € | 1 530 € | 2 328 € | 3 126 € |
| Liabilities | 466 t€ | 468 t€ | 559 t€ | 446 t€ | 423 t€ | 403 t€ |
| Short-term receivables | 68 t€ | 92 t€ | 95 t€ | 61 t€ | 57 t€ | 65 t€ |
| Other short-term receivables | 3 € | 0 € | 14 t€ | 336 € | 3 613 € | 3 613 € |
| Land and water areas, Owned | 24 t€ | 24 t€ | 24 t€ | 24 t€ | 24 t€ | 24 t€ |
| Other interest and financial income from non-group companies | 1 397 € | 324 € | 0 € | 5 € | 15 € | 10 € |
| Machinery and equipment | 56 t€ | 81 t€ | 121 t€ | 126 t€ | 145 t€ | 128 t€ |
| Retained earnings | 370 t€ | 349 t€ | 308 t€ | 273 t€ | 259 t€ | 226 t€ |
| Short-term accounts payable | 12 t€ | 13 t€ | 109 t€ | 49 t€ | 26 t€ | 30 t€ |
| Wages and salaries | 100 t€ | -116 t€ | -141 t€ | -143 t€ | -170 t€ | -172 t€ |
| Intangible assets | 0 € | 72 € | 801 € | 1 530 € | 2 328 € | 3 126 € |
| Other shares and similar rights of ownership | 81 t€ | 81 t€ | 81 t€ | 61 t€ | 1 317 € | 1 317 € |
| Short-term sales receivables | 53 t€ | 85 t€ | 75 t€ | 53 t€ | 48 t€ | 57 t€ |
| Profit (loss) for the period, equity | 42 t€ | 56 t€ | 74 t€ | 64 t€ | 39 t€ | 57 t€ |
| Interest expenses and other financial expenses for non-Group companies | 14 € | -145 € | -34 € | 0 € | -3 € | 0 € |
| Pension expenses | 27 t€ | -29 t€ | -34 t€ | -34 t€ | -47 t€ | -44 t€ |
| Short-term prepayments and accrued income | 15 t€ | 6 767 € | 6 330 € | 8 317 € | 6 128 € | 4 353 € |
| Buildings and structures, Owned | 32 t€ | 35 t€ | 39 t€ | 44 t€ | 44 t€ | 47 t€ |
| Change in stocks of products + (-) | – | – | – | – | 0 € | -90 t€ |
| Other social security expenses | 12 t€ | -12 t€ | -13 t€ | -12 t€ | -14 t€ | -13 t€ |
| Long-term receivables | – | – | 0 € | 5 000 € | 0 € | – |
| Other shares and holdings | 80 t€ | 20 t€ | 0 € | – | – | – |
| Services purchased | 1 165 € | -564 € | -7 364 € | -38 t€ | -11 t€ | -5 426 € |
| Other long-term receivables | – | – | 0 € | 5 000 € | 0 € | – |
| Income from other investments under non-current assets, from other companies | 1 676 € | 1 600 € | 2 000 € | 4 000 € | 4 000 € | 4 000 € |
| Purchases during the financial year | 62 t€ | -49 t€ | -100 t€ | -102 t€ | -84 t€ | -117 t€ |
| Tangible assets | 112 t€ | 140 t€ | 184 t€ | 195 t€ | 213 t€ | 200 t€ |
| Materials and supplies | 24 t€ | 20 t€ | 22 t€ | 22 t€ | 22 t€ | 17 t€ |
| Shares and holdings | 80 t€ | 20 t€ | 0 € | – | – | – |
| Depreciations according to plan | 30 t€ | -47 t€ | -77 t€ | -62 t€ | -75 t€ | -59 t€ |
| Short-term accrued expenses and deferred income | 23 t€ | 24 t€ | 44 t€ | 38 t€ | 42 t€ | 39 t€ |
| Investments | 81 t€ | 81 t€ | 81 t€ | 61 t€ | 1 317 € | 1 317 € |
| Inventory increase (+) or decrease (-) | -3 845 € | -1 509 € | -464 € | 447 € | 4 221 € | 3 733 € |
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, Pelti-Seppälä Oy is in the upper half of the industry class installation of insulation (100 companies with taxable income; median 38 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.
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