See the real condition of a flat and its housing company in under a minute.
Upload the isännöitsijäntodistus (housing company manager's certificate) and the housing company's other documents. Tulkki reads the dozens of pages for you and explains, in plain English, the upcoming renovations, the risks in the housing company's finances and the true cost of living there, before you make an offer.
- Zero-Trace: documents are not stored
- EU server
- Money back if the analysis fails
See what a finished analysis looks like
Watch how you upload the documents and get the risk analysis and a PDF report.
The problem: risks hide behind jargon
Hoitokate (operating margin), rahoitusvastike (financing charge), PTS (long-term maintenance plan). Housing company documents are written for professionals, not buyers. If the tilinpäätös (financial statements) reads like a foreign language, an upcoming pipe renovation or a million-euro company loan is easy to miss, and the costs only rise after you've bought.
The solution: a plain-language analysis
Tulkki reads the isännöitsijäntodistus, the tilinpäätös and the kunnossapitotarveselvitys (maintenance needs assessment) and brings out what matters: the euros, the renovations and the risks. You get a summary you can follow without an accounting degree.
How it works
1. Upload the documents
Upload the PDFs: the isännöitsijäntodistus (manager's certificate), the tilinpäätös and toimintakertomus (financial statements and annual report), the kunnossapitotarveselvitys (maintenance needs assessment) and the yhtiöjärjestys (articles of association). Tulkki recognises each document automatically.
2. Tulkki analyses
Tulkki goes through every page and combines the documents: upcoming renovations, pressure on monthly charges and legal warning signs.
3. You get a clear report
Risks marked by colour, the key figures in euros and a PDF report to keep. No jargon, no accounting tables.
What the report contains
Summary and risk analysis
See the housing company's technical and financial risks at a glance. Each area gets a clear status: Kunnossa (in order), Huomioitavaa (needs attention) or Korkea riski (high risk). The report itself is in Finnish.
Key figures for the flat and the housing company
Hoitovastike (maintenance charge), rahoitusvastike (financing charge), loan shares, hoitokate (operating margin), equity ratio and the housing company's loan balance: all calculated directly from the tilinpäätös (financial statements) and the isännöitsijäntodistus (manager's certificate).
Past and upcoming renovations
A full renovation overview: linjasaneeraus (pipe renovation), façade, roof and other major works with their years. The housing company's long-term maintenance plan (PTS) and flat-level renovations are listed separately.
Area and location data
The postcode area's population profile, median income, education level and employment rate from Statistics Finland's Paavo data. The nearest public transport stops and travel time to the city centre from Digitransit.
Browse area data
Landlord's corner
Statistics Finland market rent data by postcode area and flat type. Estimated cash flow after the maintenance and financing charges, gross rental yield and the maintenance charge to rent ratio.
Korjausvelka estimate (repair backlog)
Estimate the housing company's korjausvelka component by component: wear level and cost estimate for 7 building components, plus a timeline of renovations. The calculation is based on life-cycle and reference cost data from Kiinteistöliitto and the Building Information Foundation RTS.
Available as an add-on for €4 per analysis
One service, three ways to use it
Choose by where you are in buying a home.
Property analysis
An in-depth analysis of the housing company's own documents: renovations, finances, loan shares and risks in one report.
€10 per analysis, or 25 analyses a month for €30/month
Start an analysisChrome extension
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Find out moreWhy not just use ChatGPT?
A general AI chat answers according to how you ask. Tulkki calculates the figures straight from the tilinpäätös (financial statements), cites its source and gives the same structure every time, so properties are easy to compare.
“What is the housing company's hoitokate (operating margin)?”
We gave both the same tilinpäätös (financial statements).
“The operating margin shows the difference between the housing company's maintenance income and costs. I can't calculate the exact figure without more information. I suggest checking the financial statements…”
Example: what Tulkki found in one housing company
A 1930s block of flats in Helsinki. 55 pages of documents.
- Linjasaneeraus (full pipe and plumbing renovation) completed 2019–2020.
- Façade project planned for 2030, preliminary cost estimate about €2 million.
- Maksuvalmius (liquidity) is good: liquid assets exceed short-term debts, excluding loan repayments, by €93,767.
These are real findings from a Tulkki analysis. The housing company's name and address are not published.