Head of International Corporate Law and Fintech Practice
Expert in fintech, crypto, and international corporate law with over 20 years of experience. Specializes in crypto licensing (VASP/CASP), iGaming business support, and international structuring, asset protection, and OSINT analytics for risk assessment and due diligence.
Virtual office in Finland
In 2025, Finland remains one of the most attractive jurisdictions in Northern Europe for starting a business due to its stable economy, high level of digitalization and transparent regulatory system. According to Statistics Finland, in 2024–2025, more than 37% of new foreign companies will be registered using virtual office solutions. This is explained both by the requirements of local legislation and the growing demand for remote business operations.
The law firm “Prikhodko & Partners” supports clients in registering virtual offices in Finland, preparing documents and setting up operational activities. Below is a detailed explanation of how the system works, what documents are required and what are the features of different regions.
The main differences between a virtual and a real office in Finland
Virtual Office
A Virtual Office (Virtual Office / Postiosoitepalvelu) is a company’s official address for state registers, which is not a physical office.
Functions:
- legal address of the company
- processing of incoming correspondence
- receiving letters from the tax office (Vero)
- the ability to indicate the address on invoices and contracts
- sometimes – basic secretarial services
Advantages:
- low cost (from 145–180 €/month depending on the city)
- speed of registration (1–3 business days)
- suitable for non-residents
Disadvantages:
- does not give the right to actually receive visitors
- not suitable for licensed activities (e.g. financial services)
Real office
A physical space that a company rents for employees to work in.
Advantages:
- necessary for certain types of business (IT R&D, logistics, production)
- increases banks’ trust in the account opening process
Disadvantages:
- more expensive
- requires a contract and physical presence
In 2025, Finnish banks (Nordea, OP, Danske) will increasingly request a real address to open a corporate account, especially for foreign owners. That is why Prikhodko and Partners helps clients prepare substance confirmations – contracts, business plans, lease certificates.
Steps to get a virtual office in Finland
Step 1. Choosing a provider
Among the popular ones:
- Regus Finland
- BIZ Office Helsinki
- Postiosoite.fi
- Local coworking providers
Example: in 2025, one of the clients of the company “Prikhodko and partners” chose an office in the Kamppi district (Helsinki) for registering an OY – we offered a provider with the best price/service ratio and ensured verification of the contract.
Step 2. Conclusion of the contract
Required documents:
- passport of the beneficiary
- extract from the register of the future or existing company (if any)
- sometimes – a brief description of the activity
Step 3. Obtaining confirmation of the address
The official Address Certificate is used for:
- company registration in PRH
- tax registration in Vero
- opening a bank account
Step 4. Entering the address in PRH and Vero
This is done during initial registration or through the Service Portal.
A typical package of documents
Basic package:
- Passport of the beneficiary/director
- Confirmation of residential address (utility bill or bank statement)
- Description of company activities
- Ownership structure (UBO form)
- Agreement on the provision of a virtual office
Interesting example from practice
In 2025, one of our company’s clients – a SaaS provider from Krakow – was unable to pass KYC at OP Bank due to the lack of documents on actual presence in the country. We helped:
- register a virtual office
- prepare an explanatory letter for the bank
- create a Finnish business plan
As a result, the company received a bank account in 14 days.
Features of Finland’s regions
Helsinki
- main business hub
- highest office prices
- best attitude of banks towards foreign companies
- fast registration
Espoo
- popular among IT companies
- lower rent
- good virtual office options
Tampere
- industrial region
- suitable for manufacturers, logistics companies
Turku
- maritime logistics
- many offers from local coworking
Oulu
- technology cluster, but less infrastructure for foreigners
It is worth choosing a region depending on:
- future activities
- bank requirements
- tax nuances
- rental costs
How do we help with obtaining a virtual and real office?
The law firm “Prikhodko and Partners” offers comprehensive support for businesses in Finland, including:
- Provider selection. We compare: cost; included services; bank requirements; regional features;
- Contract review. Finnish legislation provides for various types of leases (Vuokrasopimus), and we guarantee the absence of hidden risks.
- Company registration in PRH and Vero. Preparation: Y1/Y2 forms; Articles of Association; UBO forms; Address confirmation;
- Banking support. In 2025, Finnish banks will refuse non-residents in 46% of cases without sufficient substance. We provide: support during video-KYC; preparation of documents; explanations for compliance.
- Real offices. Search for premises: for IT; for logistics; for R&D; for warehouses;
- Accounting support. Including: VAT registration; payroll; annual reporting.
Finland is one of the most convenient EU countries for business registration due to its stability, digital services and transparent legislation. However, for foreign owners it is important to properly structure their presence in the country, especially when it comes to bank accounts, substance and compliance with local requirements. The law firm “Prikhodko and Partners” provides full support – from obtaining a virtual office and registering a company to opening accounts and building a tax model.
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