Business profile

Joki-Pohjanmaan Osuuspankki

Joki-Pohjanmaan Osuuspankki's registered office is Nivala. It is a cooperative bank. The company was established on 1915-01-21. It operates in the industry of other monetary intermediation.

Claim profileContact details
Business ID 0186747-4ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
0186747-4
Sector
Other monetary intermediation
Municipality
Nivala
Company form
Cooperative bank
Registration date
1915-01-21
Business ID registration date
1978-03-15
Business status
Valid
Profile ownership
Unclaimed company profile
Data source
Public registry data

Contact and location summary

Visiting address: KALLIONTIE 20, 85500, Nivala

Phone: +358102565001Source observation

Website: https://op.fiSource observation

Instagram profile: https://www.instagram.com/op_pohjolaSource: company website

Linkedin profile: https://www.linkedin.com/company/op-pohjolaSource: company website

Facebook profile: https://www.facebook.com/op.fiSource: company website

People and decision-makers

Niskala Markku JuhaniToimitusjohtaja
Kari HaanmäkiToimitusjohtajan sijainen

About Joki-Pohjanmaan Osuuspankki

Financial position and key figures for the company.

Joki-Pohjanmaan Osuuspankki's location municipality is Nivala. It is a cooperative bank. The company was established on 1915-01-21. It operates in the industry of other monetary intermediation. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +13.5%.

Auxiliary business names

Public alternate names materialized from source observations.

OP HimankaOP NivalaOP Perho

Financial highlights

Key figures from the latest financial period.

Latest financial period

2025-12-31

Imported periods0
PRH parsed0
Profile sourceEnriched source observation
Derived indicators
Equity ratio13.5%
Balance-sheet contextLatest retained period snapshot
Operating profit (loss) trend4 periods
€3,030,843
2022-12-31
€7,512,483
2023-12-31
€7,801,843
2024-12-31
€5,481,043
2025-12-31
Profit (loss) for the financial year trend4 periods
€2,191,697
2022-12-31
€5,563,144
2023-12-31
€6,507,217
2024-12-31
€5,217,258
2025-12-31
Assets trend4 periods
€461,689,413
2022-12-31
€440,428,875
2023-12-31
€457,579,247
2024-12-31
€476,918,106
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.

Equity ratioWeak
17/100 · Improving
13.5 %2024-12-31: 13.3 %
Current ratioNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Operating profit marginNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Ratio history
Ratio2022-12-312023-12-312024-12-312025-12-31
Equity ratio10.8 %12.7 %13.3 %13.5 %
Current ratio----
Operating profit margin----

Registry status and identifiers

Verified registry memberships and identifiers from the latest retained YTJ snapshot.

YTJ statusValid
Trade RegisterRegistered
Business ID0186747-4
VAT IDFI01867474
MunicipalityNivala
Current registered entries
1915-01-21Registered in Patent and Registration Office (Trade Register)
1963-08-01Registered in Tax Administration (Employer Register)
1978-03-15Registered in Tax Administration (Tax Administration)
1995-03-01Registered in Tax Administration (Prepayment Register)
2002-07-01Member of liability group in Tax Administration (VAT Register)

Responsible people

Public role relationships materialized from source observations.

Niskala Markku JuhaniToimitusjohtajaSources: 3 · Confidence: 78%
Kari HaanmäkiToimitusjohtajan sijainenSources: 1 · Confidence: 76%
Torssonen Katja JohannaPuheenjohtajaSources: 3 · Confidence: 78%
Juha AnttilaHallintoneuvosto: puheenjohtajaSources: 1 · Confidence: 76%
Kivelä Antti SakariVarsinainen jäsenSources: 3 · Confidence: 78%
Hilonen Jenny PauliinaVarsinainen jäsenSources: 3 · Confidence: 78%
Tölli Hannu TapioVarsinainen jäsenSources: 2 · Confidence: 78%
Mäkelä Kimmo SakariVarsinainen jäsenSources: 2 · Confidence: 78%
Kytölä Olli SakariVarsinainen jäsenSources: 2 · Confidence: 78%
Matti LouhulaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Juho MuuraiskangasHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Helena OjataloHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Matti PeltolaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Raija-Kaisa PihlajaniemiHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Essi SakkoHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Hilkka SaukkoHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Risto TilusHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Tapio UusitaloHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Henna VuotilaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Sami PostiPäävastuullinen tilintarkastajaSources: 1 · Confidence: 76%
Juha EskolaHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Tero HietaniemiHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Arto HänninenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Teija JylhäHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Tiina KarjalainenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%

Risk certificate

An open-data based company stability and risk signal.

BUSINESS.fi

BUSINESS.fi Luottoluokitus

Profile-specific risk signal based on open data

Financial data includedNot a credit decision
B1
StableJoki-Pohjanmaan Osuuspankki
Updated2026-08-27
ConfidenceLow
Score61/100

The grade can use open digital financial statement data together with registry signals.

Risk context

When open digital financial statements are unavailable, BUSINESS.fi shows registry, industry, and regional context.

Industry riskvery low
87/100

Industry context is very low based on normalized open statistical inputs.

Age and continuityVakiintunut
100/100

The company has about 111 years of registry continuity.

Registry and status signalsVakaa
88/100

Registry history, filing recency, and active register markings are still limited or mixed.

Registry timeline

Trade register notifications shown on a timeline.

58 register eventsLatest event: 2026-05-07

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-21.

This company profile has not been claimed yet

Joki-Pohjanmaan Osuuspankki shows public core facts. A company representative can claim the profile, update public information, and access owner tools.