Jave Insurance Oy is a limited company based in Helsinki, registered in 2023. In the financial year ending 31.12.2025, revenue was 258 t€ and operating profit 23 t€; equity ratio 74.3 %. Its taxable income in 2024 was 36 t€ and its income taxes 7 160 €.
Helsinki: 289 new companies in 30 days
- Mixedtape Group OyRuokaravintolat
- Bella Creative OyMuu esittävä taide
- LHT Solutions OyPuhelinpalvelukeskusten toiminta
Financials
| Key figures | 31.12.2025 | 31.12.2024 | 31.12.2023 |
|---|---|---|---|
| Revenue | 258 t€ | 223 t€ | 110 t€ |
| Revenue change | 15,4 % | 103,9 % | – |
| EBITDA | 23 t€ | 35 t€ | 5 421 € |
| EBITDA % | 9,1 % | 15,7 % | 5,0 % |
| Operating profit | 23 t€ | 35 t€ | 5 421 € |
| Operating margin | 9,1 % | 15,7 % | 5,0 % |
| Net profit | 19 t€ | 28 t€ | 4 315 € |
| Personnel costs | -215 t€ | 168 t€ | 92 t€ |
| Equity ratio | 74,3 % | 62,1 % | 27,9 % |
| Quick ratio | 3,89 | 1,54 | 1,39 |
| Current ratio | 3,89 | 1,54 | 1,39 |
| Debt to revenue | 6,6 % | 8,8 % | 10,2 % |
| Return on equity | 39,5 % | 86,6 % | 100,0 % |
| Balance sheet total | 66 t€ | 52 t€ | 15 t€ |
| Equity | 49 t€ | 32 t€ | 4 315 € |
| Cash and bank | 1 249 € | 12 t€ | 4 838 € |
Balance sheet
Income statement and balance sheet
Income statement
| 31.12.2025 | 31.12.2024 | 31.12.2023 | |
|---|---|---|---|
| Turnover | 258 t€ | 223 t€ | 110 t€ |
| Raw materials and services | 0 € | -2 058 € | -1 972 € |
| Personnel expenses | 215 t€ | -168 t€ | -92 t€ |
| Other operating expenses | 19 t€ | -18 t€ | -9 749 € |
| Operating profit (loss) | 23 t€ | 35 t€ | 5 421 € |
| Financial income and expenses + (-) | -1 628 € | -9 € | -24 € |
| Profit (loss) before appropriations and taxes | 25 t€ | 35 t€ | 5 398 € |
| Income taxes | 5 637 € | -7 160 € | -1 083 € |
| Profit (loss) for the financial year | 19 t€ | 28 t€ | 4 315 € |
Balance sheet
| 31.12.2025 | 31.12.2024 | 31.12.2023 | |
|---|---|---|---|
| Non-current assets | 0 € | 22 t€ | 0 € |
| Receivables | 33 t€ | 19 t€ | 11 t€ |
| Cash in hand and at banks | 1 249 € | 12 t€ | 4 838 € |
| Current assets | 66 t€ | 30 t€ | 15 t€ |
| Assets | 66 t€ | 52 t€ | 15 t€ |
| Capital and reserves | 49 t€ | 32 t€ | 4 315 € |
| Short-term liabilities | 17 t€ | 20 t€ | 11 t€ |
| Liabilities | 17 t€ | 20 t€ | 11 t€ |
All financial statement items (36)
| 31.12.2025 | 31.12.2024 | 31.12.2023 | |
|---|---|---|---|
| Turnover | 258 t€ | 223 t€ | 110 t€ |
| Raw materials and services | 0 € | -2 058 € | -1 972 € |
| Personnel expenses | 215 t€ | -168 t€ | -92 t€ |
| Other operating expenses | 19 t€ | -18 t€ | -9 749 € |
| Operating profit (loss) | 23 t€ | 35 t€ | 5 421 € |
| Financial income and expenses + (-) | -1 628 € | -9 € | -24 € |
| Profit (loss) before appropriations and taxes | 25 t€ | 35 t€ | 5 398 € |
| Income taxes | 5 637 € | -7 160 € | -1 083 € |
| Profit (loss) for the financial year | 19 t€ | 28 t€ | 4 315 € |
| Non-current assets | 0 € | 22 t€ | 0 € |
| Receivables | 33 t€ | 19 t€ | 11 t€ |
| Cash in hand and at banks | 1 249 € | 12 t€ | 4 838 € |
| Current assets | 66 t€ | 30 t€ | 15 t€ |
| Assets | 66 t€ | 52 t€ | 15 t€ |
| Capital and reserves | 49 t€ | 32 t€ | 4 315 € |
| Short-term liabilities | 17 t€ | 20 t€ | 11 t€ |
| Liabilities | 17 t€ | 20 t€ | 11 t€ |
| Reductions in value of shares and holdings in current assets | 1 743 € | 129 € | 0 € |
| Other shares, financial securities | 32 t€ | 0 € | – |
| Profit (loss) for the period, equity | 19 t€ | 28 t€ | 4 315 € |
| Shares and holdings | 32 t€ | 0 € | – |
| Other shares and similar rights of ownership | 0 € | 22 t€ | 0 € |
| Pension expenses | 3 580 € | -2 906 € | -1 750 € |
| Short-term accounts payable | 92 € | 1 957 € | 145 € |
| Liabilities | 66 t€ | 52 t€ | 15 t€ |
| Other interest and financial income from non-group companies | 4 230 € | 0 € | – |
| Short-term accrued expenses and deferred income | 5 637 € | 7 160 € | 1 083 € |
| Short-term sales receivables | 33 t€ | 19 t€ | 11 t€ |
| Interest expenses and other financial expenses for non-Group companies | 859 € | -138 € | -24 € |
| Other current liabilities | 11 t€ | 11 t€ | 9 929 € |
| Short-term receivables | 33 t€ | 19 t€ | 11 t€ |
| Retained earnings | 30 t€ | 4 315 € | 0 € |
| Investments | 0 € | 22 t€ | 0 € |
| Services purchased | 0 € | -2 058 € | -1 972 € |
| Other social security expenses | 4 311 € | -2 153 € | -1 668 € |
| Wages and salaries | 207 t€ | -163 t€ | -89 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, Jave Insurance Oy is in the upper half of the industry class activities of insurance agents and brokers (636 companies with taxable income; median 18 t€, 2,0 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.