Karu Store & Studio Oy is a limited company based in Kuopio, registered in 2010. In the financial year ending 28.2.2026, revenue was 1,0 M€ and operating profit -63 t€; equity ratio 23.8 %. Its taxable income in 2024 was 57 t€ and its income taxes 12 t€.
Financials
| Key figures | 28.2.2026 | 28.2.2025 | 29.2.2024 |
|---|---|---|---|
| Revenue | 1,0 M€ | 933 t€ | 955 t€ |
| Revenue change | 11,1 % | -2,3 % | – |
| EBITDA | -64 t€ | 4 705 € | 57 t€ |
| EBITDA % | -6,1 % | 0,5 % | 5,9 % |
| Operating profit | -63 t€ | 4 104 € | 56 t€ |
| Operating margin | -6,1 % | 0,4 % | 5,8 % |
| Net profit | -67 t€ | 2 436 € | 44 t€ |
| Personnel costs | -492 t€ | 425 t€ | 396 t€ |
| Equity ratio | 23,8 % | 47,5 % | 54,5 % |
| Quick ratio | 0,21 | 0,49 | 0,47 |
| Current ratio | 1,28 | 1,89 | 2,18 |
| Debt to revenue | 22,3 % | 17,7 % | 13,9 % |
| Return on equity | -93,1 % | 1,6 % | 27,5 % |
| Balance sheet total | 303 t€ | 315 t€ | 293 t€ |
| Equity | 72 t€ | 149 t€ | 159 t€ |
| Cash and bank | 26 t€ | 40 t€ | 36 t€ |
Balance sheet
Income statement and balance sheet
Income statement
| 28.2.2026 | 28.2.2025 | 29.2.2024 | |
|---|---|---|---|
| Turnover | 1,0 M€ | 933 t€ | 955 t€ |
| Other operating income | 7 800 € | 7 800 € | 5 850 € |
| Raw materials and services | 237 t€ | -207 t€ | -196 t€ |
| Personnel expenses | 492 t€ | -425 t€ | -396 t€ |
| Depreciations and reductions in value | 451 € | -601 € | -801 € |
| Other operating expenses | 378 t€ | -305 t€ | -312 t€ |
| Operating profit (loss) | -63 t€ | 4 104 € | 56 t€ |
| Financial income and expenses + (-) | 4 132 € | -826 € | -318 € |
| Profit (loss) before appropriations and taxes | -67 t€ | 3 278 € | 55 t€ |
| Income taxes | 0 € | -842 € | -12 t€ |
| Profit (loss) for the financial year | -67 t€ | 2 436 € | 44 t€ |
Balance sheet
| 28.2.2026 | 28.2.2025 | 29.2.2024 | |
|---|---|---|---|
| Non-current assets | 6 386 € | 1 803 € | 2 404 € |
| Stocks | 249 t€ | 231 t€ | 228 t€ |
| Receivables | 21 t€ | 41 t€ | 26 t€ |
| Cash in hand and at banks | 26 t€ | 40 t€ | 36 t€ |
| Current assets | 297 t€ | 313 t€ | 290 t€ |
| Assets | 303 t€ | 315 t€ | 293 t€ |
| Share capital or other similar capital | 2 500 € | 2 500 € | 2 500 € |
| Capital and reserves | 72 t€ | 149 t€ | 159 t€ |
| Short-term liabilities | 231 t€ | 165 t€ | 133 t€ |
| Liabilities | 231 t€ | 165 t€ | 133 t€ |
All financial statement items (46)
| 28.2.2026 | 28.2.2025 | 29.2.2024 | |
|---|---|---|---|
| Turnover | 1,0 M€ | 933 t€ | 955 t€ |
| Other operating income | 7 800 € | 7 800 € | 5 850 € |
| Raw materials and services | 237 t€ | -207 t€ | -196 t€ |
| Personnel expenses | 492 t€ | -425 t€ | -396 t€ |
| Depreciations and reductions in value | 451 € | -601 € | -801 € |
| Other operating expenses | 378 t€ | -305 t€ | -312 t€ |
| Operating profit (loss) | -63 t€ | 4 104 € | 56 t€ |
| Financial income and expenses + (-) | 4 132 € | -826 € | -318 € |
| Profit (loss) before appropriations and taxes | -67 t€ | 3 278 € | 55 t€ |
| Income taxes | 0 € | -842 € | -12 t€ |
| Profit (loss) for the financial year | -67 t€ | 2 436 € | 44 t€ |
| Non-current assets | 6 386 € | 1 803 € | 2 404 € |
| Stocks | 249 t€ | 231 t€ | 228 t€ |
| Receivables | 21 t€ | 41 t€ | 26 t€ |
| Cash in hand and at banks | 26 t€ | 40 t€ | 36 t€ |
| Current assets | 297 t€ | 313 t€ | 290 t€ |
| Assets | 303 t€ | 315 t€ | 293 t€ |
| Share capital or other similar capital | 2 500 € | 2 500 € | 2 500 € |
| Capital and reserves | 72 t€ | 149 t€ | 159 t€ |
| Short-term liabilities | 231 t€ | 165 t€ | 133 t€ |
| Liabilities | 231 t€ | 165 t€ | 133 t€ |
| Short-term sales receivables | 9 284 € | 4 830 € | 1 067 € |
| Other short-term receivables | 2 000 € | 20 t€ | 5 719 € |
| Long-term receivables | 9 825 € | 8 785 € | 8 785 € |
| Other long-term receivables | 9 825 € | 8 785 € | 8 785 € |
| Retained earnings | 137 t€ | 144 t€ | 113 t€ |
| Inventory increase (+) or decrease (-) | -18 t€ | 3 872 € | 9 494 € |
| Short-term accrued expenses and deferred income | 84 t€ | 72 t€ | 58 t€ |
| Advance payments and construction in progress | 5 034 € | 0 € | – |
| Pension expenses | 57 t€ | -55 t€ | -50 t€ |
| Short-term accounts payable | 33 t€ | 14 t€ | 2 145 € |
| Other current liabilities | 96 t€ | 79 t€ | 74 t€ |
| Machinery and equipment | 1 352 € | 1 803 € | 2 404 € |
| Other interest and financial income from non-group companies | 1 991 € | 1 € | 6 € |
| Liabilities | 303 t€ | 315 t€ | 293 t€ |
| Short-term liabilities to credit institutions | 18 t€ | 0 € | – |
| Interest expenses and other financial expenses for non-Group companies | 6 124 € | -826 € | -324 € |
| Purchases during the financial year | 255 t€ | -210 t€ | -206 t€ |
| Tangible assets | 6 386 € | 1 803 € | 2 404 € |
| Short-term receivables | 11 t€ | 32 t€ | 18 t€ |
| Wages and salaries | 417 t€ | -361 t€ | -338 t€ |
| Profit (loss) for the period, equity | -67 t€ | 2 436 € | 44 t€ |
| Depreciations according to plan | 451 € | -601 € | -801 € |
| Other social security expenses | 18 t€ | -9 721 € | -8 128 € |
| Finished products | 249 t€ | 231 t€ | 228 t€ |
| Short-term prepayments and accrued income | 200 € | 7 911 € | 11 t€ |
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, Karu Store & Studio Oy is in the top quarter of the industry class retail sale of clothing without specialisation on any specific product group (253 companies with taxable income; median 12 t€, 4,7 times the median).
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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