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Inside a small bicycle repair workshop in autumn: hand tools hang on a wooden pegboard, a wheel sits in a truing stand on a workbench, and the open door shows a yellow birch and a lake.Business·Explainer

YEL insurance in Finland 2026: cost, income and pension for the self-employed

By SiltaNova Editorial · 5 min readA hairdresser stands in her small, newly set-up salon on a winter morning, with one styling chair, a mirror and an open laptop on a side table.Business·How-To

How to register a toiminimi (sole trader) in Finland, step by step

By SiltaNova Editorial · 5 min readA young woman in a winter coat stands in the doorway of an empty small shop unit on a snowy street, holding a set of keys and looking inside.Business·Guide

How to start a business in Finland as a foreigner

By SiltaNova Editorial · 7 min read

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Inside a small bicycle repair workshop in autumn: hand tools hang on a wooden pegboard, a wheel sits in a truing stand on a workbench, and the open door shows a yellow birch and a lake.Business·Explainer

YEL insurance in Finland 2026: cost, income and pension for the self-employed

What the compulsory pension insurance for the self-employed costs in 2026, how YEL income is set, and what it does to your pension and Kela benefits, with a worked example.

By SiltaNova Editorial · 5 min readA hairdresser stands in her small, newly set-up salon on a winter morning, with one styling chair, a mirror and an open laptop on a side table.Business·How-To

How to register a toiminimi (sole trader) in Finland, step by step

Registering as a private trader is one €75 notification to PRH and one free notification to the Tax Administration. Here is each step of the Finnish-only YTJ service, translated, with the rules checked on 8 Oct 2026.

By SiltaNova Editorial · 5 min readA young woman in a winter coat stands in the doorway of an empty small shop unit on a snowy street, holding a set of keys and looking inside.Business·Guide

How to start a business in Finland as a foreigner

The whole path in order, for EU and non-EU founders: right to work, company form, PRH and Vero registration, bank, insurance and bookkeeping, with the authority, cost and wait for each step.

By SiltaNova Editorial · 7 min read
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