Smartme Oy is a limited company based in Inkoo, registered in 2013. In the financial year ending 31.3.2026, revenue was 120 t€ and operating profit 31 t€; equity ratio 92.1 %. Its taxable income in 2024 was 62 t€ and its income taxes 13 t€.
Financials
| Key figures | 31.3.2026 | 31.3.2025 | 31.3.2024 | 31.3.2023 | 31.3.2022 |
|---|---|---|---|---|---|
| Revenue | 120 t€ | 157 t€ | 162 t€ | 150 t€ | 125 t€ |
| Revenue change | -23,6 % | -2,8 % | 7,8 % | 20,0 % | – |
| EBITDA | 31 t€ | 54 t€ | 62 t€ | 51 t€ | 24 t€ |
| EBITDA % | 25,9 % | 34,2 % | 38,2 % | 34,1 % | 19,4 % |
| Operating profit | 31 t€ | 54 t€ | 62 t€ | 51 t€ | 24 t€ |
| Operating margin | 25,9 % | 34,2 % | 38,2 % | 34,0 % | 19,3 % |
| Net profit | 25 t€ | 43 t€ | 49 t€ | 41 t€ | 19 t€ |
| Personnel costs | -81 t€ | 91 t€ | 87 t€ | 85 t€ | 93 t€ |
| Equity ratio | 92,1 % | 90,9 % | 89,1 % | 88,9 % | 88,9 % |
| Quick ratio | 5,21 | 4,93 | 9,16 | 9,03 | 9,02 |
| Current ratio | 5,21 | 4,93 | 9,16 | 9,03 | 9,02 |
| Debt to revenue | 23,0 % | 20,5 % | 22,9 % | 22,9 % | 25,4 % |
| Return on equity | 7,7 % | 13,4 % | 16,3 % | 14,7 % | 7,5 % |
| Balance sheet total | 349 t€ | 354 t€ | 340 t€ | 310 t€ | 287 t€ |
| Equity | 321 t€ | 322 t€ | 303 t€ | 275 t€ | 255 t€ |
| Cash and bank | 116 t€ | 129 t€ | 250 t€ | 287 t€ | 253 t€ |
Balance sheet
Income statement and balance sheet
Income statement
| 31.3.2026 | 31.3.2025 | 31.3.2024 | 31.3.2023 | 31.3.2022 | |
|---|---|---|---|---|---|
| Turnover | 120 t€ | 157 t€ | 162 t€ | 150 t€ | 125 t€ |
| Other operating income | 12 t€ | 6 285 € | 0 € | – | – |
| Personnel expenses | 81 t€ | -91 t€ | -87 t€ | -85 t€ | -93 t€ |
| Depreciations and reductions in value | 33 € | -43 € | -58 € | -77 € | -103 € |
| Other operating expenses | 19 t€ | -18 t€ | -13 t€ | -14 t€ | -8 221 € |
| Operating profit (loss) | 31 t€ | 54 t€ | 62 t€ | 51 t€ | 24 t€ |
| Financial income and expenses + (-) | 62 € | 363 € | 291 € | -105 € | -50 € |
| Profit (loss) before appropriations and taxes | 31 t€ | 54 t€ | 62 t€ | 51 t€ | 24 t€ |
| Income taxes | 6 196 € | -11 t€ | -13 t€ | -10 t€ | -4 842 € |
| Profit (loss) for the financial year | 25 t€ | 43 t€ | 49 t€ | 41 t€ | 19 t€ |
Balance sheet
| 31.3.2026 | 31.3.2025 | 31.3.2024 | 31.3.2023 | 31.3.2022 | |
|---|---|---|---|---|---|
| Non-current assets | 205 t€ | 195 t€ | 174 € | 232 € | 309 € |
| Receivables | 28 t€ | 30 t€ | 89 t€ | 22 t€ | 34 t€ |
| Cash in hand and at banks | 116 t€ | 129 t€ | 250 t€ | 287 t€ | 253 t€ |
| Current assets | 144 t€ | 159 t€ | 340 t€ | 310 t€ | 287 t€ |
| Assets | 349 t€ | 354 t€ | 340 t€ | 310 t€ | 287 t€ |
| Share capital or other similar capital | 2 500 € | 2 500 € | 2 500 € | 2 500 € | 2 500 € |
| Capital and reserves | 321 t€ | 322 t€ | 303 t€ | 275 t€ | 255 t€ |
| Short-term liabilities | 28 t€ | 32 t€ | 37 t€ | 34 t€ | 32 t€ |
| Liabilities | 28 t€ | 32 t€ | 37 t€ | 34 t€ | 32 t€ |
All financial statement items (40)
| 31.3.2026 | 31.3.2025 | 31.3.2024 | 31.3.2023 | 31.3.2022 | |
|---|---|---|---|---|---|
| Turnover | 120 t€ | 157 t€ | 162 t€ | 150 t€ | 125 t€ |
| Other operating income | 12 t€ | 6 285 € | 0 € | – | – |
| Personnel expenses | 81 t€ | -91 t€ | -87 t€ | -85 t€ | -93 t€ |
| Depreciations and reductions in value | 33 € | -43 € | -58 € | -77 € | -103 € |
| Other operating expenses | 19 t€ | -18 t€ | -13 t€ | -14 t€ | -8 221 € |
| Operating profit (loss) | 31 t€ | 54 t€ | 62 t€ | 51 t€ | 24 t€ |
| Financial income and expenses + (-) | 62 € | 363 € | 291 € | -105 € | -50 € |
| Profit (loss) before appropriations and taxes | 31 t€ | 54 t€ | 62 t€ | 51 t€ | 24 t€ |
| Income taxes | 6 196 € | -11 t€ | -13 t€ | -10 t€ | -4 842 € |
| Profit (loss) for the financial year | 25 t€ | 43 t€ | 49 t€ | 41 t€ | 19 t€ |
| Non-current assets | 205 t€ | 195 t€ | 174 € | 232 € | 309 € |
| Receivables | 28 t€ | 30 t€ | 89 t€ | 22 t€ | 34 t€ |
| Cash in hand and at banks | 116 t€ | 129 t€ | 250 t€ | 287 t€ | 253 t€ |
| Current assets | 144 t€ | 159 t€ | 340 t€ | 310 t€ | 287 t€ |
| Assets | 349 t€ | 354 t€ | 340 t€ | 310 t€ | 287 t€ |
| Share capital or other similar capital | 2 500 € | 2 500 € | 2 500 € | 2 500 € | 2 500 € |
| Capital and reserves | 321 t€ | 322 t€ | 303 t€ | 275 t€ | 255 t€ |
| Short-term liabilities | 28 t€ | 32 t€ | 37 t€ | 34 t€ | 32 t€ |
| Liabilities | 28 t€ | 32 t€ | 37 t€ | 34 t€ | 32 t€ |
| Other current liabilities | 28 t€ | 30 t€ | 28 t€ | 27 t€ | 31 t€ |
| Wages and salaries | 75 t€ | -85 t€ | -82 t€ | -80 t€ | -88 t€ |
| Pension expenses | 4 955 € | -4 910 € | -4 104 € | -3 516 € | -3 420 € |
| Tangible assets | 98 € | 130 € | 174 € | 232 € | 309 € |
| Depreciations according to plan | 33 € | -43 € | -58 € | -77 € | -103 € |
| Liabilities | 349 t€ | 354 t€ | 340 t€ | 310 t€ | 287 t€ |
| Other short-term receivables | – | 0 € | 739 € | 2 374 € | 0 € |
| Other social security expenses | 1 424 € | -1 376 € | -1 005 € | -1 083 € | -1 242 € |
| Investments | 205 t€ | 195 t€ | 0 € | – | – |
| Profit (loss) for the period, equity | 25 t€ | 43 t€ | 49 t€ | 41 t€ | 19 t€ |
| Retained earnings | 294 t€ | 276 t€ | 251 t€ | 232 t€ | 234 t€ |
| Short-term prepayments and accrued income | 6 481 € | 0 € | – | 0 € | 158 € |
| Other interest and financial income from non-group companies | 7 € | 498 € | 426 € | 1 € | 1 € |
| Other shares and similar rights of ownership | 205 t€ | 195 t€ | 0 € | – | – |
| Short-term accrued expenses and deferred income | 0 € | 1 819 € | 8 621 € | 6 788 € | 0 € |
| Short-term sales receivables | 22 t€ | 30 t€ | 28 t€ | 20 t€ | 33 t€ |
| Short-term receivables | 28 t€ | 30 t€ | 89 t€ | 22 t€ | 34 t€ |
| Short-term loan receivables | – | 0 € | 60 t€ | 0 € | – |
| Interest expenses and other financial expenses for non-Group companies | 69 € | -135 € | -136 € | -107 € | -51 € |
| Machinery and equipment | 98 € | 130 € | 174 € | 232 € | 309 € |
| Short-term accounts payable | 32 € | 34 € | 38 € | 139 € | 557 € |
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, Smartme Oy is in the upper half of the industry class computer programming activities (3157 companies with taxable income; median 27 t€, 2,3 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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