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Fast-track wage guarantee for bankruptcy estates

Publisher: Employment, Development and Administration Centre.

The wage guarantee system ensures that employees are paid their contractual dues should the employer become insolvent.

How to get started: Once bankruptcy has been declared, inform the KEHA Centre directly: palkkaturva@keha-keskus.fi. You will receive an e-mail stating the official in charge and a link to instructions on fast-track wage guarantee for estate administrators and payroll clerks. The instructions can also be found on the web page. When contacting the KEHA Centre, please state whether the company has employees and whether the bankruptcy estate will file for wage guarantee for them. The wage guarantee clerk will give you contact details for the draftsperson and the referendary handling your case. Your payroll clerk will need the referendary's contact details and the instruction “Nopeutetun palkkaturvamenettelyn ohje palkanlaskijalle” from the KEHA Centre. They should consult any unclarities with the referendary before beginning payroll calculations. Bankruptcy estates need authorisation from the KEHA Centre to file for wage guarantee. To avoid pay for waiting days and late payment interests, the procedure should be set in motion as soon as bankruptcy is declared. The payroll clerk should begin calculating pay swiftly so that the employees can receive their wages upon termination. The payroll statements must be sent to the referendary as soon as they are finished, as they may need to be changed. If that is the case, the referendary will inform the payroll clerk directly after revising the statements. The payroll statements must show the method of calculation, the period of accrual, the due date, the sum of gross pay and the deductions. The estate administrator must consult with the employees or a representative to agree on which debts that are to be grounds for wage guarantee. If the bankruptcy estate applies for so-called administrative expenses, it must apply for a Business Identification Number directly and send it to the KEHA Centre. If everything is in order, the referendary will authorise you to file for wage guarantee. Fill out the form Palkkaturvahakemus (C). Attach the payroll statements for your employees. Attach a summary stating the total gross wages of your employees, withholding taxes and other deductions and the net wages. Send the form via e-mail with all required attachments to the handling draftsman and the referendary. It usually takes 3–4 working days after the payroll statements are finished for wage guarantee to be paid. If this seems insufficient, please contact the referendary in charge of your case.

Who it is for: The payroll procedure in a bankruptcy scenario is very similar to normal situations. The payables must be based on labour law, an employment contract and a collective agreement, if applicable. If a collective agreement is applicable, the KEHA Centre must be informed of the agreement in question. Payroll statements are written as usual. Based on them, the administrator of the estate files for wage guarantee. Any employment-based dues normally payable by the employer can be paid as wage guarantee, with only a few exceptions arising from the Wage Guarantee Act. Bankruptcy and filing for wage guarantee involve a few non-ordinary payroll steps. The wages must be separated into different payroll statements as follows: Claims based on proof of debt * The payroll period is shortened as necessary based on the first day of bankruptcy. Wages and other dues are calculated according to when they have become due, before or during bankruptcy. Any dues predating the bankruptcy are calculated for a period that includes and ends with the first day of bankruptcy. * Holiday compensation is paid as per proof of debt. This also applies to the last month, even if some holiday time has been accrued after bankruptcy was declared. The exception to this rule is if holiday compensation is calculated according to the percentage rule. See administrative expenses. Debts regarded as administrative expenses (massavelka) * The period after bankruptcy has been declared usually only involves wages corresponding to the notice period of 14 days. The notice period normally includes 10 working days. Wages are paid per working day. If the wages for the notice period include percentage-based holiday compensation, as in the construction sector for example, the holiday compensation is regarded as an administrative expense (“massavelka”). Please note: * Debts arising during company reorganisation must be separated from other debts. Please request more detailed information from the administrator of the estate or the wage guarantee authorities regarding which additional periods of time the separation of debt applies to. Read the instructions detailing the contents of payroll statements and the conditions for filing for wage guarantee.

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Snapshot published 2026-10-11. Confirm current details with the provider.

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Fast-track wage guarantee for bankruptcy estates

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The wage guarantee system ensures that employees are paid their contractual dues should the employer become insolvent.

Published by: Employment, Development and Administration Centre · Government organisation

Description language: English

Coverage: All Finland

About this service

Description

The wage guarantee system ensures that employees are paid their contractual dues should the employer become insolvent. Any employment-related dues payable by the employer can be paid through the system, provided that the amount and legal grounds have been established. There is a special fast-track procedure through which insolvency estates can apply for wage guarantee for their employees, subject to authorisation by the KEHA Centre. The fast-track procedure is meant to ensure that employees receive their termination pay within two weeks from the end of the notice period. Insolvency estates need make only one application for the wages of all their employees, attaching the payroll statements and a summary of the unpaid wages. The KEHA Centre pays the total sum of the wages to the bankruptcy estate, which pays the wages to the employees. Thereafter, the State claims the paid amount from the employer or the bankruptcy estate with interest. Decisions granting wage guarantee are immediately enforceable. If the employer has been declared bankrupt, dues are claimed through proof of debt. Debts included in the bankruptcy estate are claimed through reminder.

How to use it

Once bankruptcy has been declared, inform the KEHA Centre directly: palkkaturva@keha-keskus.fi. You will receive an e-mail stating the official in charge and a link to instructions on fast-track wage guarantee for estate administrators and payroll clerks. The instructions can also be found on the web page. When contacting the KEHA Centre, please state whether the company has employees and whether the bankruptcy estate will file for wage guarantee for them. The wage guarantee clerk will give you contact details for the draftsperson and the referendary handling your case. Your payroll clerk will need the referendary's contact details and the instruction “Nopeutetun palkkaturvamenettelyn ohje palkanlaskijalle” from the KEHA Centre. They should consult any unclarities with the referendary before beginning payroll calculations. Bankruptcy estates need authorisation from the KEHA Centre to file for wage guarantee. To avoid pay for waiting days and late payment interests, the procedure should be set in motion as soon as bankruptcy is declared. The payroll clerk should begin calculating pay swiftly so that the employees can receive their wages upon termination. The payroll statements must be sent to the referendary as soon as they are finished, as they may need to be changed. If that is the case, the referendary will inform the payroll clerk directly after revising the statements. The payroll statements must show the method of calculation, the period of accrual, the due date, the sum of gross pay and the deductions. The estate administrator must consult with the employees or a representative to agree on which debts that are to be grounds for wage guarantee. If the bankruptcy estate applies for so-called administrative expenses, it must apply for a Business Identification Number directly and send it to the KEHA Centre. If everything is in order, the referendary will authorise you to file for wage guarantee. Fill out the form Palkkaturvahakemus (C). Attach the payroll statements for your employees. Attach a summary stating the total gross wages of your employees, withholding taxes and other deductions and the net wages. Send the form via e-mail with all required attachments to the handling draftsman and the referendary. It usually takes 3–4 working days after the payroll statements are finished for wage guarantee to be paid. If this seems insufficient, please contact the referendary in charge of your case.

Conditions

The payroll procedure in a bankruptcy scenario is very similar to normal situations. The payables must be based on labour law, an employment contract and a collective agreement, if applicable. If a collective agreement is applicable, the KEHA Centre must be informed of the agreement in question. Payroll statements are written as usual. Based on them, the administrator of the estate files for wage guarantee. Any employment-based dues normally payable by the employer can be paid as wage guarantee, with only a few exceptions arising from the Wage Guarantee Act. Bankruptcy and filing for wage guarantee involve a few non-ordinary payroll steps. The wages must be separated into different payroll statements as follows: Claims based on proof of debt * The payroll period is shortened as necessary based on the first day of bankruptcy. Wages and other dues are calculated according to when they have become due, before or during bankruptcy. Any dues predating the bankruptcy are calculated for a period that includes and ends with the first day of bankruptcy. * Holiday compensation is paid as per proof of debt. This also applies to the last month, even if some holiday time has been accrued after bankruptcy was declared. The exception to this rule is if holiday compensation is calculated according to the percentage rule. See administrative expenses. Debts regarded as administrative expenses (massavelka) * The period after bankruptcy has been declared usually only involves wages corresponding to the notice period of 14 days. The notice period normally includes 10 working days. Wages are paid per working day. If the wages for the notice period include percentage-based holiday compensation, as in the construction sector for example, the holiday compensation is regarded as an administrative expense (“massavelka”). Please note: * Debts arising during company reorganisation must be separated from other debts. Please request more detailed information from the administrator of the estate or the wage guarantee authorities regarding which additional periods of time the separation of debt applies to. Read the instructions detailing the contents of payroll statements and the conditions for filing for wage guarantee.

Where and how to get help

Further information on wage guarantee · Website

Information on the wage guarantee system and the procedures for applying and instructions for applying.

Description: English · Service languages: Swedish, Finnish

Open provider website →

Check the official service page for current hours, exceptions, identification requirements and further contact details.

Accelerated wage guarantee procedure of the bankruptcy estate · Website

Further information on the accelerated wage guarantee procedure of the bankruptcy estate.

Description: English · Service languages: Swedish, Finnish

Open provider website →

Check the official service page for current hours, exceptions, identification requirements and further contact details.

Wage guarantee application for a bankruptcy estate · Form

The bankruptcy estate may apply for wage guarantee with a printed form on behalf of the employees, if the representative cannot access the e-services.

Description: English · Service languages: Swedish, Finnish

Check the official service page for current hours, exceptions, identification requirements and further contact details.

Wage guarantee application for a bankruptcy estate · Online service

Employer’s bankruptcy estate can apply for wage guarantee through e-services.

Description: English · Service languages: Swedish, Finnish

Open provider website →

Check the official service page for current hours, exceptions, identification requirements and further contact details.

Wage guarantee telephone service · TelephoneService

Information on applying for wage guarantee.

Description: English · Service languages: Swedish, Finnish

Phone: 358 295020020 · Charged

Check the official service page for current hours, exceptions, identification requirements and further contact details.

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