KOTIKO

What KOTIKO does

Kotiko is a Finnish consumer-facing SaaS platform operated by VirsonVR Oy (Business ID 2753222-6), registered in Turku, Finland. The service uses AI to analyze residential property listings from Finland's two dominant real estate portals — Oikotie and Etuovi — and produces reports covering property value assessment, risk factors, condition, and investment potential. Users submit a listing URL or PDF brochure and receive a structured analysis within seconds.

The underlying technology is a browser-based SaaS application (no installation required) with AI/ML algorithms trained on thousands of Finnish real estate listings. The platform combines natural language processing of listing text with structured data analysis of price levels, risk indicators, and location characteristics, and supports both sales and rental listings. It is GDPR-compliant, integrates Google OAuth for authentication, and uses Paytrail as its payment processor.

Kotiko operates a fully self-serve, product-led growth model with no sales team or physical distribution. Revenue is generated through two transactional SKUs: a 30-day unlimited analysis pass at €9.90 and a 5-analysis one-time pack at €3.90, both inclusive of 25.5% Finnish VAT. No funding rounds, investors, management team, or revenue figures are disclosed in available sources. The target customer is the individual Finnish home buyer or renter seeking an objective, AI-driven second opinion on a property before committing to a purchase or lease.

Name

KOTIKO

Legal name

VirsonVR Oy

Website

https://kotiko.io

Company type

Private

Operating status

Operating

Short description

Kotiko is a Finnish browser-based SaaS platform that uses AI to analyze property listings from Oikotie and Etuovi, generating price, risk, and investment reports for individual home buyers and renters in Finland.

Ownership category

akta.pro rank

Headquarters

HQ city

Turku

HQ country

Finland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. 30-Day Analysis Pass (Tilaus): One-time purchase granting unlimited AI-powered property analyses for 30 days from purchase date. Does not auto-renew. Suitable for active home seekers comparing multiple properties.
2. 5-Analysis Pack (Kertapaketti): One-time purchase granting exactly 5 analyses with no expiration date. Analyses can be used at the user's own pace. Suitable for occasional use or considering a small number of properties.
3. Payment Processing: Payments processed via Paytrail (Finnish payment service provider). Accepts online banking, credit cards, and mobile payments. No refunds unless mandated by law.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Kotiko is a browser-based SaaS service that uses AI to analyze Finnish residential property listings from Oikotie and Etuovi (and PDF brochures) and generate reports covering property value, risk profile, condition assessment, location evaluation, future outlook, and investment potential. The product is sold to individual Finnish consumers via two paid plans: a 30-day unlimited analysis pass (€9.90 incl. VAT) and a 5-analysis one-time package (€3.90 incl. VAT), with payments processed through Paytrail.

Product overview

Kotiko is an AI-powered real estate analysis platform built as a browser-based SaaS service (kotiko.io) operated by VirsonVR Oy. The platform offers two core paid products: the 30-Day Analysis Pass (unlimited analyses for €9.90 over 30 days) and the 5 Analysis One-Time Package (5 analyses for €3.90 with no expiration). Users input URLs from Oikotie.fi or Etuovi.com property listings, and Kotiko's AI generates comprehensive reports covering property value, risks, condition assessments, and investment potential. The service analyzes both sales and rental listings.

Differentiator

Problem solved

Functional benefit

Products and services

• 30-Day Analysis Pass (30 päivän analyysipassi) A 30-day time-bounded pass that grants the registered user unlimited AI-powered analyses of property listings from Oikotie and Etuovi. Designed for active home seekers who are comparing multiple properties in a concentrated search window. Includes full feature access.
• 5-Analysis One-Time Package (5 analyysin kertapaketti) A non-expiring credit pack containing exactly 5 AI property analyses, usable at the user's own pace. Targeted at casual or occasional users considering only a small number of properties.

Quantifiable outcome

• Analysis results delivered in seconds per property listing
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability5 records

Feature5 records

Scale indicators1 record

Expansion highlights3 records

Direct peers

• Offrs: Predictive analytics platform using AI to identify homeowners likely to list. Adjacent peer in AI-driven real estate intelligence with overlapping methodology (ML on property and market data), though Offrs focuses on seller-side prediction rather than buyer-side analysis.
• Spacely AI: AI platform delivering analytics and decision-making support for real estate. Closely comparable AI methodology and product surface, though focused on commercial rather than residential real estate and serving professional buyers rather than consumers.
• Properly: Canadian AI-powered home buying assistant that helps consumers analyze properties, make offers, and close transactions. Directly comparable to Kotiko as a consumer-facing AI real estate analysis and decision-support tool with a self-serve, transaction-linked model.
• Roof.ai: AI-powered conversational assistant for real estate agents and brokerages that engages leads and qualifies buyers. Comparable as an AI product deployed in the property transaction workflow with similar NLP and predictive capabilities.

Broad incumbents

• HouseCanary: Established US real estate analytics platform offering AI-driven property valuations, market forecasts, and risk analytics. Comparable in applying ML to large listing datasets to produce price and risk outputs, though at much greater scale and serving institutional customers.
• Redfin: Tech-forward US real estate brokerage with AI-powered search, recommendations, and home estimation tools integrated into the buying journey. Comparable AI-driven real estate platform combining data analysis with brokerage services.
• Zillow: Largest US real estate platform with built-in AI valuation (Zestimate) and increasingly embedded analysis tools. Comparable as a property analysis destination with AI on top of listing data, representing the platform-scale threat Kotiko faces from incumbents.
• Cherre: Real estate data and analytics platform leveraging AI for institutional investors and asset managers. Comparable AI real estate analytics and aggregation, though targeted at large portfolios rather than individual property buyers.
• Compass: US real estate brokerage embedding AI tools into agent workflows and consumer search. Comparable as a tech-augmented real estate platform, though Compass pairs its AI layer with full brokerage services rather than standalone analysis.

Emerging players

• Northspyre: AI-powered real estate project management platform for development projects. Comparable in applying AI analytics to real estate decision-making, though focused on development cost and schedule intelligence rather than residential listing analysis.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 KOTIKO