Competence Capital Oy is a limited company based in Kustavi, registered in 2000. In the financial year ending 31.12.2025, revenue was 4 062 € and operating profit -4 366 €; equity ratio 99.5 %. Its taxable income in 2024 was 8 536 € and its income taxes 1 707 €. Public buyers bought 10 t€ from it in 2022–2024; the largest buyer is Johtaminen Ja Talous (Tampereen yliopisto).
Financials
| Key figures | 31.12.2025 | 31.12.2024 | 31.12.2023 |
|---|---|---|---|
| Revenue | 4 062 € | 16 t€ | 31 t€ |
| Revenue change | -74,1 % | -49,9 % | – |
| EBITDA | -4 366 € | 8 536 € | 16 t€ |
| EBITDA % | -107,5 % | 54,4 % | 52,6 % |
| Operating profit | -4 366 € | 8 536 € | 16 t€ |
| Operating margin | -107,5 % | 54,4 % | 52,6 % |
| Net profit | -4 328 € | 6 823 € | 16 t€ |
| Equity ratio | 99,5 % | 99,8 % | 93,7 % |
| Quick ratio | 84,02 | 223,71 | 15,98 |
| Current ratio | 84,02 | 223,71 | 15,98 |
| Debt to revenue | 5,8 % | 0,8 % | 10,4 % |
| Return on equity | -10,0 % | 13,1 % | 33,1 % |
| Balance sheet total | 44 t€ | 52 t€ | 52 t€ |
| Equity | 43 t€ | 52 t€ | 49 t€ |
| Cash and bank | 18 t€ | 25 t€ | 52 t€ |
Balance sheet
Income statement and balance sheet
Income statement
| 31.12.2025 | 31.12.2024 | 31.12.2023 | |
|---|---|---|---|
| Turnover | 4 062 € | 16 t€ | 31 t€ |
| Other operating income | 0 € | 2 831 € | 0 € |
| Other operating expenses | 8 428 € | -9 999 € | -15 t€ |
| Operating profit (loss) | -4 366 € | 8 536 € | 16 t€ |
| Financial income and expenses + (-) | -38 € | -6 € | 2 € |
| Profit (loss) before appropriations and taxes | -4 328 € | 8 530 € | 16 t€ |
| Income taxes | 0 € | -1 707 € | -275 € |
| Profit (loss) for the financial year | -4 328 € | 6 823 € | 16 t€ |
Balance sheet
| 31.12.2025 | 31.12.2024 | 31.12.2023 | |
|---|---|---|---|
| Non-current assets | 24 t€ | 24 t€ | 0 € |
| Receivables | 1 654 € | 3 519 € | 44 € |
| Cash in hand and at banks | 18 t€ | 25 t€ | 52 t€ |
| Current assets | 20 t€ | 28 t€ | 52 t€ |
| Assets | 44 t€ | 52 t€ | 52 t€ |
| Share capital or other similar capital | 8 409 € | 8 409 € | 8 409 € |
| Capital and reserves | 43 t€ | 52 t€ | 49 t€ |
| Short-term liabilities | 234 € | 125 € | 3 271 € |
| Liabilities | 234 € | 125 € | 3 271 € |
All financial statement items (30)
| 31.12.2025 | 31.12.2024 | 31.12.2023 | |
|---|---|---|---|
| Turnover | 4 062 € | 16 t€ | 31 t€ |
| Other operating income | 0 € | 2 831 € | 0 € |
| Other operating expenses | 8 428 € | -9 999 € | -15 t€ |
| Operating profit (loss) | -4 366 € | 8 536 € | 16 t€ |
| Financial income and expenses + (-) | -38 € | -6 € | 2 € |
| Profit (loss) before appropriations and taxes | -4 328 € | 8 530 € | 16 t€ |
| Income taxes | 0 € | -1 707 € | -275 € |
| Profit (loss) for the financial year | -4 328 € | 6 823 € | 16 t€ |
| Non-current assets | 24 t€ | 24 t€ | 0 € |
| Receivables | 1 654 € | 3 519 € | 44 € |
| Cash in hand and at banks | 18 t€ | 25 t€ | 52 t€ |
| Current assets | 20 t€ | 28 t€ | 52 t€ |
| Assets | 44 t€ | 52 t€ | 52 t€ |
| Share capital or other similar capital | 8 409 € | 8 409 € | 8 409 € |
| Capital and reserves | 43 t€ | 52 t€ | 49 t€ |
| Short-term liabilities | 234 € | 125 € | 3 271 € |
| Liabilities | 234 € | 125 € | 3 271 € |
| Short-term receivables | 1 654 € | 3 519 € | 44 € |
| Other short-term receivables | 740 € | 2 944 € | 44 € |
| Profit (loss) for the period, equity | -4 328 € | 6 823 € | 16 t€ |
| Short-term loan receivables | 4 € | 0 € | – |
| Short-term accrued expenses and deferred income | – | 0 € | 275 € |
| Interest expenses and other financial expenses for non-Group companies | -38 € | -6 € | 2 € |
| Other shares and similar rights of ownership | 24 t€ | 24 t€ | 0 € |
| Other current liabilities | 26 € | 0 € | 2 996 € |
| Short-term accounts payable | 208 € | 125 € | 0 € |
| Retained earnings | 39 t€ | 37 t€ | 24 t€ |
| Investments | 24 t€ | 24 t€ | 0 € |
| Liabilities | 44 t€ | 52 t€ | 52 t€ |
| Short-term prepayments and accrued income | 909 € | 575 € | 0 € |
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, Competence Capital Oy is in the lower half of the industry class other miscellaneous educational n.e.c. (632 companies with taxable income; median 10 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.
Sales to public buyers
Largest buyers
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