Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Ab Bokföringsbyrå Memo Kirjanpitotoimisto Oy
Ab Bokföringsbyrå Memo Kirjanpitotoimisto Oy's registered office is Loviisa. It is a limited company. The company was established on 1995-08-16. It operates in the industry of accounting and bookkeeping activities; tax consultancy. In its latest retained statement for 2025-04-30, revenue was €292,776 and operating profit was €11,677.
Business ID 1015707-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 1015707-9
- Sector
- Accounting and bookkeeping activities; tax consultancy
- Municipality
- Loviisa
- Company form
- Limited company
- Registration date
- 1995-08-16
- Business ID registration date
- 1995-08-17
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: DROTTNINGGATAN 9, 07900, Loviisa
Phone: +35819535217Source observation
Email: [email protected]Source observation
Website: https://memo.fiSource observation
Facebook profile: https://www.facebook.com/Bokf%C3%B6ringsbyr%C3%A5-Memo-Kirjanpitotoimisto-1787432608220848Source: company website
People and decision-makers
Saarinen Vesa AndersToimitusjohtaja
About Ab Bokföringsbyrå Memo Kirjanpitotoimisto Oy
Financial position and key figures for the company.
Ab Bokföringsbyrå Memo Kirjanpitotoimisto Oy's location municipality is Loviisa. It is a limited company. The company was established on 1995-08-16. It operates in the industry of accounting and bookkeeping activities; tax consultancy. In its latest retained statement for 2025-04-30, revenue was €292,776 and operating profit was €11,677. Based on the latest retained statement, revenue growth was -3.0%, operating margin was +4.0%, and equity ratio was not currently available.
Auxiliary business names
Public alternate names materialized from source observations.
Memo
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimialana on tarjota kirjanpito-, isännöinti-, tilintarkastus- ja muita tähän verrattavia tai liittyviä toimistopalveluja, sekä suorittaa alan konsultointi-, neuvonta ja koulutustehtäviä. Yhtiö harjoittaa myös kiinteistönvälitystä. Yhtiö voi antaa pantin tai takauksen vieraasta velasta.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-04-30
0
0
Enriched source observation
Derived indicators
Revenue growth-3.0%
Operating margin4.0%
Revenue€292,776-€9,015 (-3.0%) vs previous periodPrevious: €301,791
Operating profit (loss)€11,677-€41,702 (-78.1%) vs previous periodPrevious: €53,379
Balance-sheet contextLatest financial period
Employees3Previous: 3
Revenue trend5 periods
€214,884
2021-04-30
€273,947
2022-04-30
€272,526
2023-04-30
€301,791
2024-04-30
€292,776
2025-04-30
Operating profit (loss) trend5 periods
-€16,342
2021-04-30
€22,475
2022-04-30
€43,128
2023-04-30
€53,379
2024-04-30
€11,677
2025-04-30
Profit (loss) for the financial year trend2 periods
-€15,083
2021-04-30
€21,132
2022-04-30
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioNot assessable
0/100 · Trend unavailable
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginSatisfactory
60/100 · Declining
Ratio history
| Ratio | 2021-04-30 | 2022-04-30 | 2023-04-30 | 2024-04-30 | 2025-04-30 |
|---|---|---|---|---|---|
| Equity ratio | 71.5 % | 69.2 % | 79.2 % | 85.0 % | - |
| Current ratio | - | - | - | - | - |
| Operating profit margin | -7.6 % | 8.2 % | 15.7 % | 17.6 % | 4.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID1015707-9
VAT IDFI10157079
EU IDFIFPRO.1015707-9
MunicipalityLoviisa
Current registered entries
1995-06-01Registered in Tax Administration (Employer Register)
1995-06-01VAT-liable for business activity in Tax Administration (VAT Register)
1995-08-16Registered in Patent and Registration Office (Trade Register)
1995-08-17Registered in Tax Administration (Tax Administration)
1995-08-22Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Saarinen Vesa AndersToimitusjohtajaSources: 4 · Confidence: 78%
Saarinen Vesa AndersPuheenjohtajaSources: 2 · Confidence: 78%
Gustafsson Christoffer Kaj HenrikVarsinainen jäsenSources: 4 · Confidence: 78%
Maukkonen Emmi JosefinaVarajäsenSources: 2 · Confidence: 78%
Sutinen Teija AnneliTilintarkastajaSources: 2 · Confidence: 78%
Risk certificate
An open-data based company stability and risk signal.
BUSINESS.fi
BUSINESS.fi Luottoluokitus
Profile-specific risk signal based on open data
Automatic gradeNot a credit decision
A3
GoodAb Bokföringsbyrå Memo Kirjanpitotoimisto Oy
Grade unchangedA3 · new analysis 2026-10-17
79/100
Medium
Limited financial evidenceRegistry and statistics based
Financial development is mostly stable or mixed.
4 comparable periodsRevenueImproving
SolvencyNot enough history
LiquidityNot enough history
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
- Long registry continuity
Risk factors to note
- Sufficient structured financial metrics are not available
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA3
2026-10-1779/100 · v0.15
A3 → A3 · +4 points- Revenue: Not enough history → Improving
- Profitability: Not enough history → Deteriorating
- Evidence quality: Registry and statistical evidence → Limited financial evidence.
A3
2026-10-1575/100 · v0.14
Oldest retained automatic assessment in this comparisonA3
2026-10-17
open-risk-grade-v0.15
The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 assessment.
Risk context
When sufficient source-backed financial metrics are not available for a Tier 1 assessment, BUSINESS.fi shows registry, industry, and regional context.
Industry risklow
85/100
Industry context is low based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 31 years of registry continuity.
Registry and status signalsVakaa
82/100
Registry history, filing recency, and active register markings are still limited or mixed.
Events & news
Verified events and sourced external company news in one timeline.
Risk grade updatedRisk gradeEvidence verified
15 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Registry timeline
Trade register notifications shown on a timeline.
19 register eventsLatest event: 2026-07-14
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-03.
This company profile has not been claimed yet
Ab Bokföringsbyrå Memo Kirjanpitotoimisto Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.