MTLH

What MTLH does

Loma ja Terveys ry (MTLH) is a Finnish non-profit registered association founded in 1954 (originating as Maaseudun Terveys- ja Lomahuolto ry) that has organized supported full-board holidays since 1962. The organization delivers 4-5 day subsidized group holidays — including accommodation, meals, and a structured holiday program — to low-income Finnish residents who cannot otherwise afford a holiday, serving families with children, working-age adults, seniors (60+ and 75+), people with disabilities or chronic illness, and caregivers. Holidays are hosted at a network of 17 approved destinations across Finland (spas, rehabilitation centers, and sports institutes) procured through public procurement, with volunteer Holiday Coaches (Lomaluotsit) facilitating peer support on-site. Additional services include a Holiday Assistance program covering personal assistants and caregivers, and the Support Person Network of Rural Finland (Maaseudun tukihenkilöverkko) sub-brand offering volunteer-based peer support.

MTLH operates an asset-light, low-technology model: business is conducted through a self-serve online application portal, customer service via phone and email, and a professional referral network spanning social services, welfare areas, healthcare providers, and 21 national member organizations. The underlying technology is minimal — consisting of the application portal, a destination finder, newsletter distribution, and feedback collection — with no proprietary AI, no public API, and no mobile applications. In 2025, MTLH received approximately 27,000 applications and granted holidays to roughly 40% of applicants, equivalent to ~500 weeks of supported holidays annually.

The business model is government-funded rather than commercial: the primary revenue stream is STEA (Sosiaali- ja terveysjärjestöjen avustuskeskus) grants administered under the Ministry of Social Affairs and Health, supplemented by participant contributions of €25/day for adults (€125 for a 5-day holiday, with children under 17 free, covering ~20% of actual costs) and public donations collected under fundraising permit RA/2025/1009. Although MTLH has historically not been commercially traded or PE/VC backed, the organization is currently contesting STEA's decision to discontinue social holiday funding after 2026 via a formal rectification request, making its near-term funding trajectory a critical structural overhang.

Name

MTLH

Legal name

Loma ja Terveys ry

Website

https://lomajaterveys.fi

Company type

Private

Founded year

1954

Operating status

Operating

Short description

Loma ja Terveys ry is a Finnish non-profit founded in 1954 that organizes subsidized 4-5 day full-board holidays for low-income families, adults, and seniors across 17 destinations in Finland, funded primarily through STEA government grants and supporting approximately 27,000 applicants annually.

Ownership category

akta.pro rank

Product category

Social Welfare Holiday Services

NAICS

Civic and Social Organizations (813410), Child and Youth Services (62411), Religious, Grantmaking, Civic, Professional, and Similar Organizations (813)

SIC

Services-Social Services (8300), Services-Membership Organizations (8600), Services-Membership Sports & Recreation Clubs (7997)

akta.pro primary industry

Family-Oriented Full-Service Hotels (THAGAAAF)

akta.pro secondary industries

Senior Social Clubs & Community-Based Day Programs (Non-Clinical) (HSABANAK), Adult Day Respite Programs (Daytime Relief) (HLADAKAC), Adults-Only All-Inclusive Resorts (THAGAKAB)

Keywords

• Subsidized holiday programs
• Supported group holidays
• Social welfare services
• Low-income family support
• Nonprofit welfare association

Headquarters

HQ city

Helsinki

HQ country

Finland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Infrastructure, Others

Revenue model

1. Government Funding (STEA): The primary funding source is government grants from STEA (Sosiaali- ja terveysjärjestöjen avustuskeskus / Social and Health Organization Funding Centre), which provides funding for social holiday activities based on Ministry of Social Affairs and Health guidelines.
2. Participant Contributions: Holiday participants pay a personal contribution of €25/day for adults and children 17+ (€125 for 5 days). Children under 17 participate free of charge. This covers approximately 20% of actual holiday costs.
3. Donations: The organization accepts public donations for supporting children's holidays. Donation account: FI56 5541 2820 0253 86, OKOYFIHH with reference number 125125. Fundraising permit RA/2025/1009 valid from 18.7.2025.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Loma ja Terveys ry organizes subsidized 4–5 day full-board group holidays for low-income individuals and families in Finland, including accommodation, meals, and a structured holiday program. Holidays are funded primarily through STEA government grants and offered at 17 approved destinations (spas, rehabilitation centers, sports institutes) across Finland. Participants pay a personal contribution of €25/day (adults 17+), with children under 17 attending free.

Product overview

Loma ja Terveys ry (MTLH) is a Finnish national NGO that organizes subsidized group holidays for low-income individuals and families who cannot otherwise afford a holiday. The organization's core product is its subsidized holiday program — a 4–5 day full-board holiday including accommodation, meals, and a structured holiday program — offered at approximately 17 approved destinations across Finland. The holiday portfolio consists of three main product lines: Family Holidays (Perhelomat for school-age children and Muksulomat for pre-school children), Adult Holidays (working-age, Senior holidays 60+ and 75+, and peer holidays), and Family Peer Holidays. The Subsidized Holiday Programs are complemented by a Holiday Assistance service (covering personal assistants and caregivers) and a Holiday Coach (Lomaluotsit) volunteer program. Within the same organization operates the Maaseudun tukihenkilöverkosto (Support Person Network of Rural Finland), offering volunteer-based peer support for rural residents. All services are funded by STEA (Sosiaali- ja terveysjärjestöjen avustuskeskus) and operate under the Finnish Ministry of Social Affairs and Health. MTLH organizes approximately 500 weeks of supported holidays annually, with half organized in cooperation with social, health, and family organizations across Finland.

Differentiator

Problem solved

Functional benefit

Brands

• Maaseudun tukihenkilöverkko (Support Person Network of Rural Finland): A volunteer support network operating within Loma ja Terveys ry that offers volunteer support to residents of rural areas of Finland.

Products and services

• Subsidized Holiday Programs MTLH's primary offering: financially subsidized 4–5 day full-board group holidays including accommodation, meals, and a structured holiday program. Holidays are granted to low-income individuals and families based on financial, social, or health-related need. Applications are submitted online and evaluated against STEA funding guidelines.
• Family Holidays (Perhelomat & Muksulomat) Subsidized holidays for families with children, including Perhelomat (school-age children) and Muksulomat (pre-school children). Includes full board, accommodation in family-sized rooms, and a holiday program with activities for both adults and children. Children under 17 participate free of charge.
• Adult Holidays (Aikuisten lomat) Subsidized holidays for working-age adults and seniors, including Senior holidays 60+ and 75+, as well as working-age adult holidays. Includes full board, accommodation in shared twin rooms, and a varied holiday program with peer support components.
• Holiday Assistance (Avustaminen lomalla) Assistance services for holiday participants who need support with daily activities. Covers personal assistants (employed, family members, or friends), caregivers, and provides on-site assistance on peer holidays for adults with disabilities. Accommodation and meal costs for employed personal assistants are covered by MTLH.
• Holiday Destinations Network (Lomakohteet) A network of 17 approved holiday destinations across Finland — including spas, rehabilitation centres, and sports institutes — where subsidized holidays are hosted. Destinations are procured through public procurement and offer full board, accommodation, and ready-made holiday programs.
• Holiday Coach Program (Lomaluotsit) A volunteer-based program where trained Holiday Coaches (Lomaluotsit) support holiday participants during their stay. Coaches promote group cohesion, facilitate peer support, and enhance overall well-being during the holiday experience.
• Support Person Network of Rural Finland (Maaseudun tukihenkilöverkosto) A volunteer support network operating within MTLH, offering peer support to residents of rural Finland. Led by an expert steering group and coordinated through tukihenkilo.fi. Provides telephone-based and in-person support to reduce loneliness and social isolation in rural communities.

Quantifiable outcome

• Approximately 27,000 applicants annually with 40% receiving holiday invitations
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and supporting.

• Pohjois-Savon hyvinvointialue (North Savo Welfare Area)coreStrategic or Co-development Partner · 1 March 2026Collaboration partner for organizing supported holidays for low-income single-parent families in the North Savo region. The welfare area provides funding and supports outreach through health clinics, social services, and family centers.
• Yhden Vanhemman Perheiden Liitto ry (Single Parent Families Association)coreStrategic or Co-development PartnerPartner organization providing expertise on single-parent family issues and organizing follow-up meetings (e.g., at Kuopio Family House). Supports peer holiday activities.
• MLL Järvi-Suomen piiri (Finnish Red Cross Lake Finland District)supportingStrategic or Co-development PartnerPartner through 'Tuu mun kaveriksi' project supporting single-parent families. Contributes to holiday programs and family support activities.
• Pohjois-Savon Liikunta ry (North Savo Sports Federation)supportingStrategic or Co-development PartnerCollaboration partner for organizing physical activities and sports programs during family holidays in North Savo region.
• Pelituki (Gaming Support Finland)supportingStrategic or Co-development PartnerPartner providing digital well-being expertise and programs for families, including tips on balanced digital habits during supported holidays.
• Aivovammaliitto ry (Finnish Brain Injury Association)coreStrategic or Co-development PartnerPartner for organizing peer holidays for brain injury survivors and their families. Provides peer advisors and expertise on brain injury-related challenges.
• 21 Member OrganizationscoreStrategic or Co-development PartnerNational member organizations including agricultural unions (MTK, Agrologien liitto), pensioner associations (Eläkeliitto), disability organizations (Invalidiliitto, Kuuloliitto, Muistiliitto, Neuroliitto, Liikehäiriösairauksien liitto), family organizations (Suomen Uusperheiden liitto), and political organizations (Suomen Keskusta). They participate in governance and help reach target populations.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Caritas Finland: Finnish social-services organisation running various welfare programmes including supported recreation/holiday initiatives for vulnerable groups; broader incumbent operating across social assistance, not specialising in supported holidays.
• Finnish Red Cross: Major Finnish humanitarian organisation already partnering with MTLH (MLL Järvi-Suomen piiri / 'Tuu mun kaveriksi' project) — broader incumbent operating recreation and support programmes for vulnerable groups that intersect with MTLH's target populations.
• TUI Care Foundation: International travel-industry-backed foundation funding social tourism and supported holidays across Europe; a larger incumbent with an overlapping mission of enabling holidays for disadvantaged groups but operating across many countries with broader scope.

Emerging players

• Invalidiliitto ry: Finnish disability organisation and MTLH member — overlapping peer-holiday programming for people with disabilities (an MTLH product line), but as part of a broader disability-rights mission rather than dedicated supported-holiday focus.
• Eläkeliitto ry: Finnish national pensioner association and MTLH member organisation — runs recreation/holiday programming for seniors (overlapping with MTLH's Senior 60+/75+ holidays) as part of a broader advocacy and member-services mandate.

Direct peers

• Hyvinvointilomat ry: Finnish non-profit providing subsidised social holidays for low-income families and individuals — the closest domestic peer to MTLH, operating a similar STEA-funded supported holiday model with comparable pricing and eligibility logic.
• Solaris-lomat: Finnish NGO organising subsidised holidays for families and special groups; overlaps with MTLH on family-peer holidays, accessibility services and STEA-funded model.
• Family Holiday Association: UK charity providing free breaks for families on low income — analogous social-tourism charity with a near-identical mission of enabling holidays for financially disadvantaged families, comparable referral-based model and volunteer structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/lomajaterveys
• Instagraminstagram.com/lomajaterveys

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 MTLH