TA-Yhtiöt

What TA-Yhtiöt does

TA-Yhtiöt is a Finnish non-profit housing provider operating under TA-Yhtymä Oy as the parent entity (founded 1970) and Varke designation as a yleishyödyllinen (non-profit) housing organization. The group manages a portfolio of 21,000+ apartments across 51 Finnish locations, serving 37,000+ residents with 501–1,000 employees including roughly 300 real estate professionals. Approximately 78% of the portfolio is held as right-of-occupancy (ASO / asumisoikeus) apartments, with the remainder split across non-profit rental, freely financed rental, owner-occupied new construction, and senior apartments. FY2024 revenue for the TA-Yhtymä Group was €218 million, against €174 million in interest-bearing liabilities and a 94.8% portfolio occupancy rate.

The underlying operating platform is a digital-first housing service stack: an apartment search engine on ta.fi with tri-lingual (Finnish, Swedish, English) online ASO and rental application processing (Asuntohakemus), an ASO affordability calculator, a resident self-service portal (Asukassivut), electronic locking systems that log door access events, a digital defect-reporting system (Vikailmoitus), and an AI-powered chatbot for inbound inquiries. Distribution is anchored by 10 physical offices across growth centers (Espoo HQ, Helsinki, Turku, Tampere, Oulu, Lahti, Jyväskylä, Kuopio, Hämeenlinna, Kittilä), supplemented by multi-city showcase events (e.g., Suuri Asuntosunnuntai) and pop-up sales offices at new developments such as Espoo Sepänkallio (350+ new homes) and Turku Herttuankulma.

TA-Yhtiöt's business model rests on government-designated non-profit status that unlocks state interest-subsidized construction loans (korkotukilainat) and ASO pricing set on a self-cost principle. Revenue streams are recurring monthly (ASO usage fees, rents), supplemented by one-time new-construction unit sales, property management services, and TA-Housing brokerage commissions. Go-to-market is direct-to-consumer via the website, sales representatives (myyntineuvottelijat), and the multi-office physical network, with marketing layered across content (TA Magazine, Ideoita kotiin blog, Asumisen TAlkshow podcast), organic social, SEO, events, and resident-driven referrals.

Name

TA-Yhtiöt

Legal name

TA-Yhtymä Oy

Website

https://ta.fi

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

501–1,000 employees

Short description

TA-Yhtiöt is a Finnish government-designated non-profit housing provider operating 21,000+ apartments across 51 locations, serving 37,000+ residents through right-of-occupancy, rental, senior, and owner-occupied units, with €218M in FY2024 revenue.

Ownership category

akta.pro rank

Product category

Residential Housing

NAICS

Services to Buildings and Dwellings (5617), Continuing Care Retirement Communities and Assisted Living Facilities for the Elderly (62331)

SIC

Operators Of Apartment Buildings (6513), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

akta.pro secondary industry

Senior & Assisted Living Residential Property Management (BPAJAFAE)

Keywords

• Non-profit housing
• Right-of-occupancy apartments
• Rental housing services
• Residential property management
• Real estate development

Headquarters

HQ city

Lahti

HQ country

Finland

HQ region

Europe

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Right-of-occupancy (ASO) apartment fees: TA-Yhtiöt charges a usage fee (käyttövastike) for right-of-occupancy apartments. Residents also pay an upfront occupancy right fee (asumisoikeusmaksu). ASO apartments represent approximately 78% of TA-Yhtiöt's portfolio.
2. Rental apartment income: Rental income from general (freely financed) and non-profit rental apartments. Rental agreements follow the Non-profit Rental Agreement standard terms.
3. New construction sales: Revenue from selling owner-occupied apartments (omistusasunnot) developed in new construction projects. Also includes right-of-occupancy and rental apartments in new developments.
4. Property management and maintenance services: Services related to property maintenance, defect reporting, and repairs for managed properties. Includes fees for property management, facility maintenance, and related services.
5. TA-Housing real estate brokerage: TA-Housing (Kiinteistönvälitys) provides real estate brokerage services, earning commission on property sales. Operates under license (LKV).

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels10 records

Core offering

TA-Yhtiöt is a Finnish government-designated non-profit housing provider that develops, owns, and manages a portfolio of more than 21,000 apartments across 51 cities, primarily offering right-of-occupancy (ASO) apartments (78% of portfolio), non-profit and freely financed rental apartments, senior apartments, and select owner-occupied apartments for sale. The company also sells newly built apartments, operates the TA-Housing real estate brokerage (LKV), and delivers supporting resident services through a digital platform including an online application system, resident portal, and digital defect reporting.

Product overview

TA-Yhtiöt operates as a nonprofit housing provider offering a portfolio of residential housing options including right-of-occupancy apartments (asumisoikeusasunnot), rental apartments (vuokra-asunnot), senior apartments, and owner-occupied apartments. The company manages over 21,000 apartments across 51 locations in Finland with approximately 37,000 residents. TA-Yhtiöt provides complementary services including an online apartment search platform, digital application systems for right-of-occupancy and rental applications, a defect reporting system, real estate brokerage through TA-Housing, and informational tools like the ASO calculator. The company also produces the Asumisen TAlkshow podcast. New construction (uudiskohteet) represents a significant portion of the business, with hundreds of new apartments delivered annually.

Differentiator

Problem solved

Functional benefit

Products and services

• Asumisoikeusasunnot (Right-of-Occupancy Apartments)
• Vuokra-asunnot (Rental Apartments)
• Senioriasunnot (Senior Apartments)
• Omistusasunnot (Owner-Occupied Apartments)
• Uudiskohteet (New Construction Properties)
• TA-Housing (Real Estate Brokerage)

Quantifiable outcome

• 82% of residents rated their residential satisfaction as good or excellent
• +2 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered minor.

• Suomen Asumisoikeusyhteisöt ry (SAY)minorOthersSAY is an industry association for Finnish right-of-occupancy housing companies. TA-Asumisoikeus Oy is a member. SAY promotes right-of-occupancy housing and provides updated, independent information about the ASO system. It also facilitates cooperation with government authorities.
• KOVA ryminorOthersKOVA is an association for Finnish non-profit rental and right-of-occupancy housing companies. Through active advocacy, KOVA develops operational benefits for its member organisations. TA-Asumisoikeus Oy is a member.
• RAKLI ryminorOthersRAKLI is the Finnish association for real estate and construction professionals. It promotes member interests through participation in industry dialogue, provides information and best practices for developing member operations. TA-Yhtymä Oy is a member.
• Aura Rakennus Länsi-Suomi OyminorImplementation/ SI/ Consulting PartnerAura Rakennus Länsi-Suomi Oy is constructing a new residential apartment building in Turku's Herttuankulma area for TA-Yhtymä Oy under a KVR contract (general contractor contract). This is a construction partnership for a specific new development project.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Others

• Skanska Finland: Skanska Finland is the Finnish arm of a major Nordic construction company, building residential and commercial projects. Adjacent to TA as a construction partner and supplier of new-build pipeline.
• Hartela Oy: Hartela is a Finnish construction and real estate development company building residential properties. Adjacent value-chain participant that constructs housing for operators including TA and other Finnish housing providers.

Direct peers

• HEKA (Helsinki City Housing): HEKA is the City of Helsinki's municipal housing company, managing over 50,000 rental apartments. Comparable scale and Finnish urban residential portfolio, though municipally owned rather than a designated non-profit.
• SATO Oyj: SATO is one of Finland's largest residential housing investors and rental operators, offering rental and owner-occupied apartments in major Finnish cities. Directly comparable to TA in operating rental/owner-occupied portfolios, though SATO is for-profit and publicly listed.
• YH Kodit: YH Kodit is a non-profit housing provider in the Helsinki metropolitan area offering rental and ASO apartments under a similar government-backed framework. Closest direct match to TA's non-profit ASO/rental model and regulatory positioning.
• Kojamo plc (Lumo): Kojamo is Finland's largest private residential rental company, operating the Lumo brand with ~40,000 apartments nationwide. Closest scaled comparable in Finnish rental housing; for-profit and publicly traded, providing public-market benchmark for TA's segment economics.
• M2-Kodit: M2-Kodit is a Finnish non-profit housing operator providing rental and right-of-occupancy apartments across multiple cities. Directly comparable in mission, non-profit structure, and ASO/rental mix.
• Hoas (Helsinki Student Housing Foundation): Hoas is a non-profit foundation providing student housing in the Helsinki metropolitan area under similar government-supported frameworks. Comparable in non-profit structure and tenant-segment focus, though narrower in resident demographic.
• Avain Asunnot Oy: Avain Asunnot is a Finnish non-profit housing provider offering ASO and rental apartments with a comparable government-regulated model. Overlaps directly with TA's ASO-focused 78% portfolio segment.
• Oiva Asunnot: Oiva Asunnot operates non-profit rental and ASO apartments in Finnish growth centres. Comparable in non-profit status, ASO exposure, and tenant demographic targeting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/tayhtiot
• Facebookfacebook.com/timeline
• LinkedInfi.linkedin.com/company/ta-yhti%C3%B6t
• Instagraminstagram.com/ta_kodissa/?hl=en
• Pinterestfi.pinterest.com/tayhtiot
• TikToktiktok.com/@ta_yhtiot

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TA-Yhtiöt