Market Fluctuations
Can affect rental demand and property values.
- Materiality
- high
Kojamo Oyj
Kojamo Oyj is Finland's largest private residential real estate company, specializing in market-based rental housing and living services. The company operates primarily under the Lumo brand, offering a wide range of rental apartments across Finland's growth centers. Kojamo focuses on providing high-quality urban living experiences, leveraging digital solutions and a customer-centric approach to enhance tenant satisfaction. The company is committed to sustainable urban living and aims to be a leader in operational excellence within the housing market.
238
0.65
0.54
| % | |
|---|---|
| Rental Apartments | 80% Market-based rental housing across Finland's growth centers. |
| Property Management | 10% Includes maintenance, cleaning, and renovation services. |
| Digital Services | 5% My Lumo platform for tenant services and digital leasing. |
| Additional Services | 5% Moving, cleaning, and insurance services for tenants. |
Kojamo's customers primarily consist of individuals and families seeking rental housing in urban areas...
- Young Professionalsprimary
Urban rental housing with digital services for convenience.
- Familiesprimary
Spacious apartments with community benefits for family living.
- Seniorssecondary
Safe and convenient living environments with additional services.
- Tech-Savvy Individualsemerging
Digital leasing and services for modern living.
Kojamo operates primarily in Finland, with a strong presence in the Helsinki metropolitan area, which accounts for the...
- •Strong presence in Helsinki metropolitan area
- •Key markets include Tampere, Turku, Oulu, and Jyväskylä
- •Focus on Finland's growth centers for urbanization trends
- •Strategic locations maximize accessibility and convenience
- •High occupancy rates due to prime geographic positioning
Kojamo's strategic priorities include enhancing customer experience through digital innovation and maintaining...
01
Digital Innovationmedium-term
To enhance customer experience and streamline operations.
02
Sustainabilitylong-term
To reduce environmental impact and align with urban living trends.
03
Portfolio Growthmedium-term
To meet increasing demand for rental housing in urban areas.
Kojamo faces several risks, including market fluctuations that can impact rental demand and property values...
Interest Rate Changes
Affect financing costs and profitability.
- Materiality
- high
Regulatory Changes
Environmental standards may increase compliance costs.
- Materiality
- medium
Cybersecurity Threats
Potentially disrupt operations and compromise data.
- Materiality
- medium
Climate Change
Transition risks in moving to a low-carbon economy.
- Materiality
- medium
Revenue Recognition
Affects comparability and stability of income
Fair Value Measurements
Influences asset valuations and financial ratios
Lease Accounting
Changes in asset and liability reporting
Maintenance Provisions
Influences reported earnings and cash flow
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: 11/08/2026