Can it be found out somewhere what the interest rate for that loan will be?
Letâs add this announcement from yesterday about a new store opening: Halpakauppaketju Tokmannin myymĂ€lĂ€verkosto kasvaa Uudellamaalla â Uusi Tokmanni-myymĂ€lĂ€ avaa ovensa Tuusulan Jokelassa | Tokmanni Group Corporation
Tokmanni discount store chain opens its store for the first time in Jokela, Tuusula, on Thursday, November 20, 2025, at 9 AM. Tuusulaâs second Tokmanni store is comfortable and offers a diverse product selection, in line with customer wishes. As is customary for Tokmanni, the store opening offers both plenty of opening deals and surprise buckets containing product gifts.
One could imagine that Tokmanni will inform @roope6 about this once the terms have been agreed upon, as it involves a restructuring of loans.
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Yeah, that was quick action, my pondering didnât have time to get old 
. Hereâs the official announcement on the matter: Tokmanni Group Oyj laskee liikkeeseen senioriehtoisen 100 miljoonan euron vakuudettoman joukkovelkakirjalainan | Tokmanni Group Corporation
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Interview with Tokmanniâs Commercial Director Veli-Pekka ĂĂ€ri starting from approximately the 17-minute mark
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Strategy and Development Director bought.
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Congratulations to the shareholders 
:
Seppo Saastamoinen bought 80k shares
and
Eliisa Saastamoinen 14k shares.
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Congratulations to the shareholders again :
Sompa Capital Oy has bought 50k shares.
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Tokmanniâs target market grew by 5% in October.
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The CEO is buying, even though he will soon step aside for a new one.
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The CEO is likely quite aware of how sales have progressed at the end of the year and, based on that, considers the stock affordable and a good investment. With even the CFO having just made large purchases, things have developed very well at Tokmanni.
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Yes, it is quite a delicious situation overall. The following persons have purchased Tokmanni shares so far during November - December:
Timo Heimo, CEO of Dollarstore
Tapio Arimo, CFO and Deputy CEO
Janne Pihkala, Director of Strategy and Development
Eliisa Saastamoinen, Person belonging to the inner circle
Seppo Saastamoinen, Member/Deputy Member of the Board and Tokmanniâs largest individual owner
Sompa Capital Oy, Person belonging to the inner circle (Mikko Bergman)
and the 
on top:
CEO Mika Rautiainen.
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Management and owner purchases are always encouraging, absolutely 
Then thereâs the other thought, that Saastamoinen & Co. have steadily increased their holdings even before the share price collapses. Because of this, I donât fully trust that Tokmanniâs management and owners understand much about the stockâs valuation and behavior, considering how much of a loss the gentlemen have made on Tokmanniâs stock. On the other hand, they seem to have at least some belief that the guidance for revenue and profit will be met (since they are buying up the stock), which is a great thing
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Tokmanni always warns when Q4 is snowless in Southern Finland and the arrival of winter âis delayed.â Thatâs what will happen this time too.
And again in early spring, weâll get to sell Asian winter junk with big discounts to people who chase after deals.
Perhaps everything is different this time?
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Has every Q4 been blamed on bad weather since the IPO? Lately, yes.
What department store or shop generally wouldnât sell products from different seasons, e.g., Christmas/winter season products, at a steep discount after the season? Thatâs how retail works.
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If forum members havenât listened yet, Jari Simolin and Arhi Kivilahde provide a very commendable analysis of Tokmanniâs situation for about 25 minutes (19:45 â). The same themes that I raised as a risk for Tokmanni half a year ago.
These 7 challenges are still unresolved.
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