Band of Five Consulting Oy is a limited company based in Turku, registered in 2021. In the financial year ending 30.9.2026, revenue was 154 t€ and operating profit 34 t€; equity ratio 93.9 %. Its taxable income in 2024 was 60 t€ and its income taxes 12 t€.
Revenue 2026154 t€+0 % on the previous year
Operating profit34 t€21,9 % of revenue
Net profit30 t€EBITDA 33 t€
Equity ratio93,9 %quick ratio 11,77
Taxable income 202460 t€
upper half of its industry
Income taxes 202412 t€30 t€ in 2022–2024
In business5 yrsregistered 22.9.2021
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Financials
RevenueOperating profitNet profit
| Key figures | 30.9.2026 | 30.9.2025 | 30.9.2024 | 30.9.2023 | 30.9.2022 |
|---|---|---|---|---|---|
| Revenue | 154 t€ | 153 t€ | 179 t€ | 141 t€ | 158 t€ |
| Revenue change | 0,5 % | -14,3 % | 26,9 % | -10,8 % | – |
| EBITDA | 33 t€ | 31 t€ | 60 t€ | 31 t€ | 57 t€ |
| EBITDA % | 21,7 % | 20,4 % | 33,6 % | 22,2 % | 36,0 % |
| Operating profit | 34 t€ | 31 t€ | 60 t€ | 31 t€ | 57 t€ |
| Operating margin | 21,9 % | 20,1 % | 33,3 % | 22,2 % | 36,0 % |
| Net profit | 30 t€ | 25 t€ | 47 t€ | 24 t€ | 46 t€ |
| Personnel costs | -85 t€ | 78 t€ | 77 t€ | 75 t€ | 66 t€ |
| Equity ratio | 93,9 % | 96,6 % | 92,2 % | 89,9 % | 96,5 % |
| Quick ratio | 11,77 | 21,60 | 9,95 | 8,32 | 28,86 |
| Current ratio | 11,77 | 21,60 | 9,95 | 8,32 | 28,86 |
| Debt to revenue | 6,1 % | 2,9 % | 5,1 % | 5,3 % | 1,0 % |
| Return on equity | 20,7 % | 20,4 % | 43,4 % | 36,8 % | 100,0 % |
| Balance sheet total | 154 t€ | 129 t€ | 117 t€ | 74 t€ | 47 t€ |
| Equity | 145 t€ | 125 t€ | 108 t€ | 66 t€ | 46 t€ |
| Cash and bank | 86 t€ | 74 t€ | 66 t€ | 18 t€ | 31 t€ |
Balance sheet
Balance sheet totalEquityCash
Income statement and balance sheet
Income statement
| 30.9.2026 | 30.9.2025 | 30.9.2024 | 30.9.2023 | 30.9.2022 | |
|---|---|---|---|---|---|
| Turnover | 154 t€ | 153 t€ | 179 t€ | 141 t€ | 158 t€ |
| Raw materials and services | 109 € | -2 € | 0 € | 0 € | -30 € |
| Personnel expenses | 85 t€ | -78 t€ | -77 t€ | -75 t€ | -66 t€ |
| Depreciations and reductions in value | 295 € | -394 € | -525 € | 0 € | – |
| Other operating expenses | 36 t€ | -44 t€ | -42 t€ | -35 t€ | -35 t€ |
| Operating profit (loss) | 34 t€ | 31 t€ | 60 t€ | 31 t€ | 57 t€ |
| Financial income and expenses + (-) | -4 000 € | 1 027 € | -889 € | -238 € | 0 € |
| Profit (loss) before appropriations and taxes | 38 t€ | 32 t€ | 59 t€ | 31 t€ | 57 t€ |
| Income taxes | 7 769 € | -6 550 € | -12 t€ | -6 655 € | -11 t€ |
| Profit (loss) for the financial year | 30 t€ | 25 t€ | 47 t€ | 24 t€ | 46 t€ |
Balance sheet
| 30.9.2026 | 30.9.2025 | 30.9.2024 | 30.9.2023 | 30.9.2022 | |
|---|---|---|---|---|---|
| Non-current assets | 43 t€ | 34 t€ | 27 t€ | 12 t€ | 0 € |
| Receivables | 24 t€ | 21 t€ | 25 t€ | 44 t€ | 16 t€ |
| Cash in hand and at banks | 86 t€ | 74 t€ | 66 t€ | 18 t€ | 31 t€ |
| Current assets | 111 t€ | 95 t€ | 90 t€ | 62 t€ | 47 t€ |
| Assets | 154 t€ | 129 t€ | 117 t€ | 74 t€ | 47 t€ |
| Capital and reserves | 145 t€ | 125 t€ | 108 t€ | 66 t€ | 46 t€ |
| Short-term liabilities | 9 398 € | 4 406 € | 9 079 € | 7 486 € | 1 635 € |
| Liabilities | 9 398 € | 4 406 € | 9 079 € | 7 486 € | 1 635 € |
All financial statement items (42)
| 30.9.2026 | 30.9.2025 | 30.9.2024 | 30.9.2023 | 30.9.2022 | |
|---|---|---|---|---|---|
| Turnover | 154 t€ | 153 t€ | 179 t€ | 141 t€ | 158 t€ |
| Raw materials and services | 109 € | -2 € | 0 € | 0 € | -30 € |
| Personnel expenses | 85 t€ | -78 t€ | -77 t€ | -75 t€ | -66 t€ |
| Depreciations and reductions in value | 295 € | -394 € | -525 € | 0 € | – |
| Other operating expenses | 36 t€ | -44 t€ | -42 t€ | -35 t€ | -35 t€ |
| Operating profit (loss) | 34 t€ | 31 t€ | 60 t€ | 31 t€ | 57 t€ |
| Financial income and expenses + (-) | -4 000 € | 1 027 € | -889 € | -238 € | 0 € |
| Profit (loss) before appropriations and taxes | 38 t€ | 32 t€ | 59 t€ | 31 t€ | 57 t€ |
| Income taxes | 7 769 € | -6 550 € | -12 t€ | -6 655 € | -11 t€ |
| Profit (loss) for the financial year | 30 t€ | 25 t€ | 47 t€ | 24 t€ | 46 t€ |
| Non-current assets | 43 t€ | 34 t€ | 27 t€ | 12 t€ | 0 € |
| Receivables | 24 t€ | 21 t€ | 25 t€ | 44 t€ | 16 t€ |
| Cash in hand and at banks | 86 t€ | 74 t€ | 66 t€ | 18 t€ | 31 t€ |
| Current assets | 111 t€ | 95 t€ | 90 t€ | 62 t€ | 47 t€ |
| Assets | 154 t€ | 129 t€ | 117 t€ | 74 t€ | 47 t€ |
| Capital and reserves | 145 t€ | 125 t€ | 108 t€ | 66 t€ | 46 t€ |
| Short-term liabilities | 9 398 € | 4 406 € | 9 079 € | 7 486 € | 1 635 € |
| Liabilities | 9 398 € | 4 406 € | 9 079 € | 7 486 € | 1 635 € |
| Investments | 42 t€ | 33 t€ | 25 t€ | 12 t€ | 0 € |
| Other short-term receivables | 1 016 € | 875 € | 1 609 € | 1 584 € | 1 282 € |
| Other current liabilities | 8 850 € | 1 992 € | 8 981 € | 7 486 € | 1 635 € |
| Retained earnings | 115 t€ | 99 t€ | 61 t€ | 42 t€ | 0 € |
| Short-term prepayments and accrued income | 4 679 € | 5 795 € | 349 € | 5 672 € | 788 € |
| Short-term accounts payable | 548 € | 864 € | 0 € | – | – |
| Short-term sales receivables | 19 t€ | 15 t€ | 23 t€ | 37 t€ | 14 t€ |
| Purchases during the financial year | 109 € | -2 € | 0 € | – | – |
| Profit (loss) for the period, equity | 30 t€ | 25 t€ | 47 t€ | 24 t€ | 46 t€ |
| Short-term receivables | 24 t€ | 21 t€ | 25 t€ | 44 t€ | 16 t€ |
| Interest expenses and other financial expenses for non-Group companies | 56 € | -89 € | -138 € | -239 € | 0 € |
| Tangible assets | 886 € | 1 181 € | 1 574 € | 0 € | – |
| Wages and salaries | 67 t€ | -61 t€ | -62 t€ | -61 t€ | -54 t€ |
| Short-term accrued expenses and deferred income | 0 € | 1 549 € | 98 € | 0 € | – |
| Liabilities | 154 t€ | 129 t€ | 117 t€ | 74 t€ | 47 t€ |
| Other interest and financial income from non-group companies | 96 € | 2 € | 279 € | 1 € | 0 € |
| Other social security expenses | 1 562 € | -2 716 € | -716 € | -841 € | -494 € |
| Machinery and equipment | 886 € | 1 181 € | 1 574 € | 0 € | – |
| Impairment on investments for non-current assets | – | 0 € | -1 030 € | 0 € | – |
| Depreciations according to plan | 295 € | -394 € | -525 € | 0 € | – |
| Services purchased | – | – | – | 0 € | -30 € |
| Other shares and similar rights of ownership | 42 t€ | 33 t€ | 25 t€ | 12 t€ | 0 € |
| Pension expenses | 16 t€ | -15 t€ | -14 t€ | -13 t€ | -12 t€ |
| Income from other investments under non-current assets, from other companies | 3 960 € | 1 113 € | 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, Band of Five Consulting Oy is in the upper half of the industry class computer programming activities (3154 companies with taxable income; median 27 t€, 2,2 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.