Towi Oy is a limited company based in Helsinki, registered in 2011. In the financial year ending 31.12.2025, revenue was 447 t€ and operating profit 150 t€; equity ratio 54.5 %. Its taxable income in 2024 was 102 t€ and its income taxes 8 855 €.
Financials
| Key figures | 31.12.2025 | 31.12.2024 | 31.12.2023 |
|---|---|---|---|
| Revenue | 447 t€ | 601 t€ | 282 t€ |
| Revenue change | -25,6 % | 113,1 % | – |
| EBITDA | 150 t€ | 128 t€ | 123 t€ |
| EBITDA % | 33,6 % | 21,3 % | 43,6 % |
| Operating profit | 150 t€ | 128 t€ | 123 t€ |
| Operating margin | 33,6 % | 21,3 % | 43,6 % |
| Net profit | 88 t€ | 89 t€ | 84 t€ |
| Personnel costs | -33 t€ | 32 t€ | 31 t€ |
| Equity ratio | 54,5 % | 57,7 % | 60,8 % |
| Quick ratio | 0,37 | 0,04 | 0,05 |
| Current ratio | 50,23 | 17,34 | 25,08 |
| Debt to revenue | 319,9 % | 196,4 % | 381,8 % |
| Return on equity | 5,1 % | 5,5 % | 5,0 % |
| Balance sheet total | 3,1 M€ | 2,8 M€ | 2,7 M€ |
| Equity | 1,7 M€ | 1,6 M€ | 1,7 M€ |
| Cash and bank | – | 0 € | 291 € |
Balance sheet
Income statement and balance sheet
Income statement
| 31.12.2025 | 31.12.2024 | 31.12.2023 | |
|---|---|---|---|
| Turnover | 447 t€ | 601 t€ | 282 t€ |
| Other operating income | 107 t€ | 94 t€ | 0 € |
| Raw materials and services | 312 t€ | -481 t€ | -82 t€ |
| Personnel expenses | 33 t€ | -32 t€ | -31 t€ |
| Other operating expenses | 59 t€ | -55 t€ | -46 t€ |
| Operating profit (loss) | 150 t€ | 128 t€ | 123 t€ |
| Financial income and expenses + (-) | 39 t€ | -24 t€ | -18 t€ |
| Profit (loss) before appropriations and taxes | 112 t€ | 103 t€ | 105 t€ |
| Income taxes | 24 t€ | -14 t€ | -21 t€ |
| Profit (loss) for the financial year | 88 t€ | 89 t€ | 84 t€ |
Balance sheet
| 31.12.2025 | 31.12.2024 | 31.12.2023 | |
|---|---|---|---|
| Non-current assets | 1,5 M€ | 1,2 M€ | 1,2 M€ |
| Stocks | 1,6 M€ | 1,6 M€ | 1,6 M€ |
| Receivables | 2 909 € | 3 780 € | 3 061 € |
| Cash in hand and at banks | – | 0 € | 291 € |
| Current assets | 1,6 M€ | 1,6 M€ | 1,6 M€ |
| Assets | 3,1 M€ | 2,8 M€ | 2,7 M€ |
| Share capital or other similar capital | 2 500 € | 2 500 € | 2 500 € |
| Capital and reserves | 1,7 M€ | 1,6 M€ | 1,7 M€ |
| Long-term liabilities | 1,4 M€ | 1,1 M€ | 1,0 M€ |
| Short-term liabilities | 33 t€ | 93 t€ | 63 t€ |
| Liabilities | 1,4 M€ | 1,2 M€ | 1,1 M€ |
All financial statement items (49)
| 31.12.2025 | 31.12.2024 | 31.12.2023 | |
|---|---|---|---|
| Turnover | 447 t€ | 601 t€ | 282 t€ |
| Other operating income | 107 t€ | 94 t€ | 0 € |
| Raw materials and services | 312 t€ | -481 t€ | -82 t€ |
| Personnel expenses | 33 t€ | -32 t€ | -31 t€ |
| Other operating expenses | 59 t€ | -55 t€ | -46 t€ |
| Operating profit (loss) | 150 t€ | 128 t€ | 123 t€ |
| Financial income and expenses + (-) | 39 t€ | -24 t€ | -18 t€ |
| Profit (loss) before appropriations and taxes | 112 t€ | 103 t€ | 105 t€ |
| Income taxes | 24 t€ | -14 t€ | -21 t€ |
| Profit (loss) for the financial year | 88 t€ | 89 t€ | 84 t€ |
| Non-current assets | 1,5 M€ | 1,2 M€ | 1,2 M€ |
| Stocks | 1,6 M€ | 1,6 M€ | 1,6 M€ |
| Receivables | 2 909 € | 3 780 € | 3 061 € |
| Cash in hand and at banks | – | 0 € | 291 € |
| Current assets | 1,6 M€ | 1,6 M€ | 1,6 M€ |
| Assets | 3,1 M€ | 2,8 M€ | 2,7 M€ |
| Share capital or other similar capital | 2 500 € | 2 500 € | 2 500 € |
| Capital and reserves | 1,7 M€ | 1,6 M€ | 1,7 M€ |
| Long-term liabilities | 1,4 M€ | 1,1 M€ | 1,0 M€ |
| Short-term liabilities | 33 t€ | 93 t€ | 63 t€ |
| Liabilities | 1,4 M€ | 1,2 M€ | 1,1 M€ |
| Long-term liabilities to credit institutions | 1,4 M€ | 1,1 M€ | 1,0 M€ |
| Investments | 1,5 M€ | 1,2 M€ | 1,2 M€ |
| Short-term sales receivables | – | 0 € | 435 € |
| Pension expenses | 3 581 € | -3 296 € | -2 338 € |
| Other shares and holdings | 9 159 € | 0 € | – |
| Impairment on investments for non-current assets | 0 € | -7 744 € | 0 € |
| Profit (loss) for the period, equity | 88 t€ | 89 t€ | 84 t€ |
| Interest expenses and other financial expenses for non-Group companies | 43 t€ | -51 t€ | -47 t€ |
| Other shares and similar rights of ownership | 1,5 M€ | 1,2 M€ | 1,2 M€ |
| Other stocks | 1,6 M€ | 1,6 M€ | 1,6 M€ |
| Short-term receivables | 2 909 € | 3 780 € | 3 061 € |
| Liabilities | 3,1 M€ | 2,8 M€ | 2,7 M€ |
| Inventory increase (+) or decrease (-) | -23 t€ | 4 510 € | 22 t€ |
| Wages and salaries | 29 t€ | -28 t€ | -28 t€ |
| Services purchased | 2 113 € | -5 579 € | -6 637 € |
| Other long-term liabilities | – | 0 € | 7 685 € |
| Other social security expenses | 773 € | -541 € | -556 € |
| Short-term accounts payable | 4 864 € | 126 € | 0 € |
| Short-term accrued expenses and deferred income | 3 742 € | 3 400 € | 202 € |
| Other short-term receivables | 2 909 € | 2 909 € | 553 € |
| Other interest and financial income from non-group companies | 10 t€ | 35 t€ | 29 t€ |
| Shares and holdings | 9 159 € | 0 € | – |
| Other current liabilities | 24 t€ | 89 t€ | 63 t€ |
| Reductions in value of shares and holdings in current assets | 5 810 € | 0 € | – |
| Reserve for invested non-restricted equity | 707 t€ | 562 t€ | 660 t€ |
| Purchases during the financial year | 332 t€ | -480 t€ | -98 t€ |
| Short-term prepayments and accrued income | 0 € | 871 € | 2 073 € |
| Retained earnings | 916 t€ | 956 t€ | 925 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, Towi Oy is in the upper half of the industry class activities of holding companies (704 companies with taxable income; median 20 t€, 5,1 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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