ZM Palvelut Oy is a limited company, registered in 2023. In the financial year ending 31.12.2024, revenue was 208 t€ and operating profit 6 692 €; equity ratio 1.7 %. Its taxable income in 2024 was 1 063 € and its income taxes 213 €.
Financials
| Key figures | 31.12.2024 | 31.12.2023 |
|---|---|---|
| Revenue | 208 t€ | 62 t€ |
| Revenue change | 238,4 % | – |
| EBITDA | 26 t€ | 2 563 € |
| EBITDA % | 12,5 % | 4,2 % |
| Operating profit | 6 692 € | 2 563 € |
| Operating margin | 3,2 % | 4,2 % |
| Net profit | 517 € | 1 260 € |
| Personnel costs | 61 t€ | 30 t€ |
| Equity ratio | 1,7 % | 2,5 % |
| Quick ratio | 0,72 | 0,53 |
| Current ratio | 0,72 | 0,53 |
| Debt to revenue | 49,8 % | 79,1 % |
| Return on equity | 29,1 % | 100,0 % |
| Balance sheet total | 106 t€ | 50 t€ |
| Equity | 1 777 € | 1 260 € |
| Cash and bank | 489 € | 501 € |
Balance sheet
Income statement and balance sheet
Income statement
| 31.12.2024 | 31.12.2023 | |
|---|---|---|
| Turnover | 208 t€ | 62 t€ |
| Raw materials and services | -74 t€ | -22 t€ |
| Personnel expenses | -61 t€ | -30 t€ |
| Depreciations and reductions in value | -19 t€ | 0 € |
| Other operating expenses | -47 t€ | -7 598 € |
| Operating profit (loss) | 6 692 € | 2 563 € |
| Financial income and expenses + (-) | -5 962 € | -873 € |
| Profit (loss) before appropriations and taxes | 730 € | 1 689 € |
| Income taxes | -213 € | -430 € |
| Profit (loss) for the financial year | 517 € | 1 260 € |
Balance sheet
| 31.12.2024 | 31.12.2023 | |
|---|---|---|
| Non-current assets | 77 t€ | 42 t€ |
| Receivables | 28 t€ | 7 530 € |
| Cash in hand and at banks | 489 € | 501 € |
| Current assets | 29 t€ | 8 031 € |
| Assets | 106 t€ | 50 t€ |
| Capital and reserves | 1 777 € | 1 260 € |
| Long-term liabilities | 64 t€ | 34 t€ |
| Short-term liabilities | 40 t€ | 15 t€ |
| Liabilities | 104 t€ | 49 t€ |
All financial statement items (42)
| 31.12.2024 | 31.12.2023 | |
|---|---|---|
| Turnover | 208 t€ | 62 t€ |
| Raw materials and services | -74 t€ | -22 t€ |
| Personnel expenses | -61 t€ | -30 t€ |
| Depreciations and reductions in value | -19 t€ | 0 € |
| Other operating expenses | -47 t€ | -7 598 € |
| Operating profit (loss) | 6 692 € | 2 563 € |
| Financial income and expenses + (-) | -5 962 € | -873 € |
| Profit (loss) before appropriations and taxes | 730 € | 1 689 € |
| Income taxes | -213 € | -430 € |
| Profit (loss) for the financial year | 517 € | 1 260 € |
| Non-current assets | 77 t€ | 42 t€ |
| Receivables | 28 t€ | 7 530 € |
| Cash in hand and at banks | 489 € | 501 € |
| Current assets | 29 t€ | 8 031 € |
| Assets | 106 t€ | 50 t€ |
| Capital and reserves | 1 777 € | 1 260 € |
| Long-term liabilities | 64 t€ | 34 t€ |
| Short-term liabilities | 40 t€ | 15 t€ |
| Liabilities | 104 t€ | 49 t€ |
| Other current liabilities | 413 € | 618 € |
| Liabilities | 106 t€ | 50 t€ |
| Short-term receivables | 28 t€ | 7 530 € |
| Other short-term receivables | 9 012 € | 1 049 € |
| Other interest and financial income from non-group companies | 1 € | 0 € |
| Long-term accounts payable | 64 t€ | 34 t€ |
| Machinery and equipment | 77 t€ | 42 t€ |
| Retained earnings | 1 260 € | 0 € |
| Short-term accounts payable | 12 t€ | 2 320 € |
| Wages and salaries | -57 t€ | -29 t€ |
| Short-term sales receivables | 13 t€ | 6 154 € |
| Profit (loss) for the period, equity | 517 € | 1 260 € |
| Interest expenses and other financial expenses for non-Group companies | -5 963 € | -874 € |
| Pension expenses | -1 992 € | -670 € |
| Short-term prepayments and accrued income | 1 117 € | 127 € |
| Other social security expenses | -1 147 € | -422 € |
| Services purchased | -50 t€ | -4 513 € |
| Tangible assets | 77 t€ | 42 t€ |
| Purchases during the financial year | -24 t€ | -17 t€ |
| Short-term liabilities to credit institutions | 26 t€ | 12 t€ |
| Short-term loan receivables | 4 804 € | 200 € |
| Short-term accrued expenses and deferred income | 1 028 € | 430 € |
| Depreciations according to plan | -19 t€ | 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, ZM Palvelut Oy is in the lower half of the industry class on-demand passenger transport service activities by vehicle with driver (1240 companies with taxable income; median 12 t€).
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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