FIN, spol. s r.o.

Company financial profile・Company ID 31628036・Námestie Andreja Hlinku 5, 010 01 Žilina・Founded 1995

Financial report Financial statements

Active

Turnover 2025

3.37 M €

+28 %

Company ID: 31628036
Tax ID: 2020434416
VAT ID: SK2020434416, under §4, registered since Friday, September 15, 1995

Registered office: FIN, spol. s r.o.Námestie Andreja Hlinku 5 010 01 Žilina
Established: Friday, April 28, 1995
Legal form: Spoločnosť s ručením obmedzeným
Registered in: Obchodný registerOkresný súd Žilina, Sro/2607/L

Profit 2025

39 K €

−42 %Net profit after tax

Assets

317 K €

−27 %Total assets, stated excl. VAT

Equity

126 K €

−36 %Assets less external liabilities

Debt ratio

60.3 %

+5.5 ppLiabilities / total assets

Gross margin

50.8 %

−2.6 ppGross profit / sales

Coming soon

Andromia score

—

Profit

−42 %

Profit after tax as reported in each year's financial statements. A negative value is a loss.

Revenue

+26 %

Sales of products, services and goods, i.e. income from the company's core business, without other revenue.

Income tax

Tax liability trend

Total tax is the income tax reported in the income statement. Payable tax is the part the company pays to the state for that year.

Financial indicators

Calculated from accounting statements using standard financial formulas.

Net margin

1.1 %

−1.4 pp

Profit / revenue

Profit margin

1.6 %

−1.9 pp

Profit / sales

ROA

12.2 %

−3.2 pp

Return on assets

ROE

30.6 %

−3.3 pp

Return on equity

Return on costs

1.2 %

−1.4 pp

Profit / (revenue − profit)

Added value to revenue

36.3 %

−2.5 pp

Added value / revenue

Earnings before tax

53 K €

−35 %

Profit + income tax

Effective tax

27.4 %

+8.9 pp

Income tax / earnings before tax

Total revenue

Sales + other operating + financial income

All of the company's revenue for the year. Unlike sales, it also includes asset sales, financial and other revenue.

Income statement

Item	2022	2023	2024	2025
Sales of products, services and goods	2.31 M €	1.58 M €	1.91 M €	2.41 M €
Value added	713 K €	783 K €	1.02 M €	1.23 M €
Operating revenue	3.55 M €	2.24 M €	2.63 M €	3.37 M €
Profit after tax	157 K €	158 K €	67 K €	39 K €
Income tax	22 K €	30 K €	15 K €	15 K €
Current income tax	22 K €	30 K €	15 K €	15 K €

Revenue, costs and profit for each year, from the published financial statements.

Non-profit resources and costs

Item	2022	2023	2024	2025
Personnel costs	440 K €	586 K €	879 K €	1.12 M €

The main activity is untaxed, the business activity taxed. Figures from the published financial statements.

Assetsexcl. VAT

Non-current assets109 K €
Current assets199 K €
Accruals and deferrals8,927 €

What the company holds at year end: non-current and current assets, stated excl. VAT.

Liabilities and equity

Equity126 K €
Liabilities191 K €
Accruals and deferrals0 €

How those assets are financed: equity and external liabilities. Equity and liabilities always equal assets.

Balance sheet

Assets (excl. VAT)

Item	2022	2023	2024	2025
Total assets	360 K €	566 K €	435 K €	317 K €
Non-current assets	176 K €	143 K €	131 K €	109 K €
Property, plant and equipment	176 K €	143 K €	131 K €	109 K €
Non-current intangible assets	0 €	0 €	0 €	0 €
Non-current financial assets	0 €	0 €	0 €	0 €
Current assets	140 K €	408 K €	294 K €	199 K €
Inventory	27 K €	14 K €	42 K €	43 K €
Non-current receivables	0 €	0 €	0 €	0 €
Current receivables	82 K €	53 K €	79 K €	78 K €
Current financial assets	0 €	0 €	0 €	0 €
Financial accounts	30 K €	341 K €	173 K €	79 K €
Accruals and deferrals	45 K €	15 K €	9,041 €	8,927 €

Liabilities and equity

Item	2022	2023	2024	2025
Total equity and liabilities	360 K €	566 K €	435 K €	317 K €
Equity	114 K €	272 K €	197 K €	126 K €
Share capital	7,000 €	7,000 €	7,000 €	7,000 €
Funds and other equity components	663 €	700 €	700 €	700 €
Profit/loss of previous years	−51 K €	106 K €	122 K €	80 K €
Profit/loss for the accounting period after tax	157 K €	158 K €	67 K €	39 K €
Liabilities	246 K €	295 K €	238 K €	191 K €
Non-current liabilities	1,547 €	58 €	4,833 €	6,478 €
Current liabilities	217 K €	121 K €	119 K €	123 K €
Short-term financial assistance	0 €	0 €	0 €	0 €
Long-term bank loans	0 €	0 €	0 €	0 €
Short-term bank loans	26 K €	170 K €	112 K €	58 K €
Provisions	1,196 €	3,661 €	2,525 €	3,474 €
Accruals and deferrals	0 €	0 €	0 €	0 €

Assets and how they are financed at the end of each year. Assets are stated excl. VAT.

Company reliability

The entity is listed as an unreliable VAT payerNo
Former unreliable VAT payerNo
Excess VAT deductionLatest taxable period0526Excess deduction for the period0 €Tax liability for the period2,085.07 €No
Tax reliability indexHighly reliable
Tax debtNo
State receivablesNo
State court receivablesNo
Debt with VšZPNo
Debt with UnionNo
Debt with Social Insurance AgencyNo

Central Register of Contracts

Contract count18

Total amount30,578.5 €

Counterparties4

Latest contractMonday, August 31, 2026

includes 2 records with amendments and cancelled contracts

Largest partners

View all

Ministerstvo obrany Slovenskej republiky6×26,583.5 €Thursday, April 8, 2021
Stredná odborná škola podnikania a služieb, Hlavná 2, Žilina-Bytčica7×3 €Monday, August 31, 2026
Úrad práce, sociálnych vecí a rodiny Žilina3×0 €Wednesday, July 22, 2020
Obchodná akadémia, Veľká okružná 32, 011 57 Žilina1×0 €Tuesday, December 30, 2025

Recent contracts

View all

Zmluva o poskytovaní praktického vyučovania formou odborného výcviku č. 067 pre školský rok 2026/2027
Stredná odborná škola podnikania a služieb, Hlavná 2, Žilina-Bytčica0 €Monday, August 31, 2026
Zmluva o duálnom vzdelávaní
Obchodná akadémia, Veľká okružná 32, 011 57 Žilina0 €Tuesday, December 30, 2025
Zmluva o podmienkach predaja
Stredná odborná škola podnikania a služieb, Hlavná 2, Žilina-Bytčica0 €Wednesday, July 1, 2026
Zmluva o podmienkach predaja v zmysle § 409 a nasl. Obchodného zákonníka
Stredná odborná škola podnikania a služieb, Hlavná 2, Žilina-Bytčica0 €Monday, September 1, 2025
Zmluva o poskytovaní praktického vyučovania formou odborného výcviku č. 020 pre školský rok 2025/2026
Stredná odborná škola podnikania a služieb, Hlavná 2, Žilina-Bytčica0 €Thursday, August 28, 2025

Zdroj: Centrálny register zmlúv (www.crz.gov.sk), Úrad vlády SR, licencia CC BY 4.0

Business activities

17 registered activities

- predaj na priamu konzumáciu zmrzliny, ak sa na jej prípravu použijú priemyselne vyrábané koncentráty a mrazené krémyValid from Tuesday, April 27, 2004
- predaj tepelne rýchlo upravovaných mäsových výrobkov, bezmäsitých jedál a nápojov na priamu konzumáciuValid from Tuesday, April 27, 2004
- faktoring a forfaitingValid from Monday, November 19, 2001
- obstarávanie služieb spojených so správou nehnuteľnostíValid from Monday, November 19, 2001
- poradenstvo v predmete podnikaniaValid from Monday, November 19, 2001
- prenájom motorových vozidiel a dopravných zariadeníValid from Monday, November 19, 2001
- reklamná a propagačná činnosťValid from Monday, November 19, 2001
- vedenie účtovníctva a účtovnícke práceValid from Monday, November 19, 2001
- výskum trhu a verejnej mienkyValid from Monday, November 19, 2001
- poskytovanie rýchleho občerstveniaValid from Tuesday, December 12, 1995

Statutory bodies and related persons

Statutory body

2 active of 11

JUDr. Iveta BandíkováActive
Konateľfrom Friday, February 16, 2024
Address Mateja Bela 3455/92, 01015 Žilina, Slovenská republika
Ing. Christián BandíkActive
Konateľfrom Thursday, July 23, 2020
Address Mateja Bela 3455/92, 01015 Žilina, Slovenská republika
Christián BandíkEnded
KonateľThursday, July 23, 2020 – Monday, February 26, 2024
Address M.Bela 3455/92, 01015 Žilina, Slovenská republika
Ing. Mikuláš GmeynerEnded
KonateľTuesday, June 18, 1996 – Monday, April 26, 2004
Address Družstevná 3, Šaľa, Slovenská republika
Miroslav BandíkEnded
KonateľTuesday, June 18, 1996 – Monday, April 26, 2004
Address Francisciho 5, Trnava, Slovenská republika
Ing. Mikuláš GmeynerEnded
KonateľFriday, May 31, 1996 – Monday, February 26, 2024
Address Družstevná 3, 92701 Šaľa, Slovenská republika
Miroslav BandíkEnded
KonateľFriday, May 31, 1996 – Tuesday, June 20, 2017
Address Francisciho 5, 91701 Trnava, Slovenská republika
Miroslav BandíkEnded
KonateľFriday, May 31, 1996 – Thursday, February 1, 2024
Address Mateja Bela 3455/92, 01015 Žilina, Slovenská republika
Ing. Peter BučekEnded
KonateľThursday, March 28, 1996 – Monday, June 17, 1996
Address Azalková 8, Bratislava, Slovenská republika
Ing. Juraj SurovičEnded
KonateľMonday, February 12, 1996 – Wednesday, March 27, 1996
Address Mierová 200, Sklabiňa, Slovenská republika

Related persons

1 active of 15

Ing. Christián BandíkActive
Spoločník v.o.s. / s.r.o.from Tuesday, February 27, 2024
Address Mateja Bela 3455/92, 01015 Žilina, Slovenská republika
Share100 %Contribution7,000 EUR
Christián BandíkEnded
Spoločník v.o.s. / s.r.o.Friday, February 2, 2024 – Monday, February 26, 2024
Address Mateja Bela 3455/92, 01015 Žilina, Slovenská republika
Christián BandíkEnded
Spoločník v.o.s. / s.r.o.Tuesday, January 3, 2023 – Thursday, February 1, 2024
Address Mateja Bela 3455/92, 01015 Žilina, Slovenská republika
Share50 %Contribution3,500 EUR
Nikoleta GmeynerováEnded
Spoločník v.o.s. / s.r.o.Tuesday, January 3, 2023 – Thursday, February 1, 2024
Address Dulovo námestie 896/7, 82109 Bratislava-mestská časť Ružinov, Slovenská republika
Share50 %Contribution3,500 EUR
Miroslav BandíkEnded
Spoločník v.o.s. / s.r.o.Saturday, July 14, 2018 – Monday, January 2, 2023
Address Mateja Bela 3455/92, 01015 Žilina, Slovenská republika
Share50 %Contribution3,319.39 EUR
Ing. Mikuláš GmeynerEnded
Spoločník v.o.s. / s.r.o.Tuesday, December 15, 2009 – Monday, January 2, 2023
Address Družstevná 3, 92701 Šaľa, Slovenská republika
Share50 %Contribution3,319.39 EUR
Miroslav BandíkEnded
Spoločník v.o.s. / s.r.o.Tuesday, December 15, 2009 – Friday, July 13, 2018
Address Francisciho 5, 91701 Trnava, Slovenská republika
Share50 %Contribution3,319.39 EUR
Ing. Mikuláš GmeynerEnded
Spoločník v.o.s. / s.r.o.Monday, August 3, 1998 – Monday, December 14, 2009
Address Družstevná 3, 92701 Šaľa, Slovenská republika
Share50 %Contribution100,000 SKK
Miroslav BandíkEnded
Spoločník v.o.s. / s.r.o.Monday, August 3, 1998 – Monday, December 14, 2009
Address Francisciho 5, 91701 Trnava, Slovenská republika
Share50 %Contribution100,000 SKK
Ing. Mikuláš GmeynerEnded
Spoločník v.o.s. / s.r.o.Tuesday, June 18, 1996 – Sunday, August 2, 1998
Address Družstevná 3, Šaľa, Slovenská republika
Share50 %Contribution50,000 SKK

Company history

2 changes in the register

Registered office
3 records
- Námestie Andreja Hlinku 5, 01001 Žilina, Slovenská republikafrom Thursday, September 10, 2020
- Hlinkovo námestie 5, 01001 Žilina, Slovenská republikaWednesday, July 26, 1995 – Wednesday, September 9, 2020
- Mierová 198, 03803 Sklabiňa, Slovenská republikaFriday, April 28, 1995 – Tuesday, July 25, 1995

Registration

Registered in Business Register

Register: Obchodný register
Registration court: Okresný súd Žilina
Registration number: Sro/2607/L
Main activity: Výroba chleba; výroba čerstvého pečiva a koláčov
Sector (ESA 2010): Národné súkromné nefinančné korporácie
Tax registration: Active
VAT registration: Active

Legal facts

8 entries from the business register

Monday, November 19, 2001Na valnom zhromaždení dňa 4.9.2001 bol schválený Dodatok č. 7 k spoločenskej zmluve.
Monday, August 3, 1998Valné zhromaždenie konané dňa 24.6. 1998 schválilo Dodatok č. 6 k Spoločenskej zmluve.
Tuesday, June 18, 1996Na Valnom zhromaždení konanom dňa 31.05.1996 bol schválený Dodatok č. 5 k Spoločenskej zmluve.
Thursday, March 28, 1996Na zasadnutí valného zhromaždenia konanom dňa 19.3.1996 bol schválený Dodatok č. 4 k spoločenskej zmluve.
Monday, February 12, 1996Na zasadnutí valného zhromaždenia konanom dňa 17.1.1996 bol schválený Dodatok č. 3 k spoločenskej zmluve.
Tuesday, December 12, 1995Na zasadnutí valného zhromaždenia konanom dňa 19.9.1995 bol schválený Dodatok č. 2 k spoločenskej zmluve.
Wednesday, July 26, 1995Na zasadnutí valného zhromaždenia konanom dňa 7.7.1995 bol schválený Dodatok č. 1 k spoločenskej zmluve.
Friday, April 28, 1995Spoločnosť s ručením obmedzeným bola založená spoločenskou zmluvou, zo dňa 3.4.1995 podľa § 105 a nasl. zák.č. 513/91 Zb. Stary spis: S.r.o. 7199

FIN, spol. s r.o.

Registered office

FIN, spol. s r.o.

Námestie Andreja Hlinku 5, 010 01 Žilina

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FIN, spol. s r.o.

Profit

Revenue

Income tax

Financial indicators

Total revenue

Income statement

Non-profit resources and costs

Assetsexcl. VAT

Liabilities and equity

Balance sheet

Assets (excl. VAT)

Liabilities and equity

Company reliability

Central Register of Contracts

Largest partners

Recent contracts

Business activities

Statutory bodies and related persons

Statutory body

Related persons

Company history

Registered office

Registration

Legal facts

Registered office

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