Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
Ador Vakuutuspalvelut Oy
Ador Vakuutuspalvelut Oy's registered office is Helsingfors. It is a limited company. The company was established on 2020-08-19. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2024-12-31, revenue was €2,827,430 and operating profit was €1,400,964.
Business ID 3151649-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3151649-9
- Sector
- Activities of insurance agents and brokers
- Municipality
- Helsingfors
- Company form
- Limited company
- Registration date
- 2020-08-19
- Business ID registration date
- 2020-08-12
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Valimotie 9-11, 00380, Helsingfors
Phone: +358942701370Source observation
Email: [email protected]Source observation
Website: http://www.adorvakuutuspalvelut.fiSource observation
People and decision-makers
Tapanainen Niko RichardVarsinainen jäsen
Phone: Phone available for logged-in usersSource: company website
Email: Email available for logged-in usersSource: company website
Direct contact details available for logged-in usersSome person-level contact details are shown only to registered users. The data is based on public sources, such as the company's own website.Log in to view decision-maker contact details
About Ador Vakuutuspalvelut Oy
Financial position and key figures for the company.
Ador Vakuutuspalvelut Oy's location municipality is Helsingfors. It is a limited company. The company was established on 2020-08-19. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2024-12-31, revenue was €2,827,430 and operating profit was €1,400,964. The latest retained financial statement for 2024-12-31 shows revenue of €2,827,430 and profit for the financial year of €1,123,114. Based on the latest retained statement, revenue growth was -5.2%, operating margin was +49.5%, and equity ratio was +77.3%.
Auxiliary business names
Public alternate names materialized from source observations.
Realia VakuutuspalvelutRetta Vakuutuspalvelut
Financial highlights
Key figures from the latest financial period.
Latest financial period
2024-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth-5.2%
Operating margin49.5%
Equity ratio77.3%
Revenue€2,827,430-€154,398 (-5.2%) vs previous periodPrevious: €2,981,828
Operating profit (loss)€1,400,964+€132,897 (+10.5%) vs previous periodPrevious: €1,268,067
Profit (loss) for the financial year€1,123,114+€711,691 (+173.0%) vs previous periodPrevious: €411,423
Assets€3,281,332+€449,696 (+15.9%) vs previous periodPrevious: €2,831,636
Balance-sheet contextLatest financial period
Profit before taxes€1,403,098Previous: No comparison value
Employees9Previous: 11
Revenue trend4 periods
€809,070
2021-10-31
€2,490,090
2022-12-31
€2,981,828
2023-12-31
€2,827,430
2024-12-31
Operating profit (loss) trend4 periods
-€29,943
2021-10-31
€1,289,389
2022-12-31
€1,268,067
2023-12-31
€1,400,964
2024-12-31
Profit (loss) for the financial year trend4 periods
-€30,047
2021-10-31
€1,032,128
2022-12-31
€411,423
2023-12-31
€1,123,114
2024-12-31
Assets trend4 periods
€297,838
2021-10-31
€1,416,331
2022-12-31
€2,831,636
2023-12-31
€3,281,332
2024-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
97/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2021-10-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|
| Equity ratio | -10.1 % | 70.8 % | 49.9 % | 77.3 % |
| Current ratio | - | - | - | - |
| Operating profit margin | -3.7 % | 51.8 % | 42.5 % | 49.5 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3151649-9
VAT IDFI31516499
EU IDFIFPRO.3151649-9
MunicipalityHelsingfors
Current registered entries
2020-08-12Registered in Tax Administration (Employer Register)
2020-08-12VAT-liable for business activity in Tax Administration (VAT Register)
2020-08-12Registered in Tax Administration (Prepayment Register)
2020-08-19Registered in Patent and Registration Office (Trade Register)
2020-08-20Registered in Tax Administration (Tax Administration)
Responsible people
Public role relationships materialized from source observations.
Direct contact details available for logged-in users.
Gylling Anders MarkusToimitusjohtajaSources: 4 · Confidence: 78%
Leino Lauri TapioPuheenjohtajaSources: 4 · Confidence: 78%
Tapanainen Niko RichardVarsinainen jäsenSources: 3 · Confidence: 78%
Niemelä Jari JuhaniVarsinainen jäsenSources: 3 · Confidence: 78%
Jussi Edvardt MerikoskiVakuutuspalvelujohtajaSources: 1 · Confidence: 76%
Perttu Ilmari MeldoHallitus: varsinainen jäsenSources: 1 · Confidence: 76%
Maija Ant-WuorinenPäävastuullinen tilintarkastajaSources: 1 · Confidence: 76%
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
A2
Very goodAdor Vakuutuspalvelut Oy
Grade unchangedA2 · new analysis 2026-10-17
81/100
Medium
Usable financial evidenceFinancial data included
Financial development has been volatile across multiple domains.
3 comparable periodsRevenueImproving
ProfitabilityVolatile
SolvencyVolatile
LiquidityNot enough history
Same size nationallyDescriptive comparison – does not change the model score.
232 peersSolvency84%
Better than 84% of peers
Profitability98%
Better than 98% of peers
Revenue growth23%
Below 77% of peers
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Active registered status
Risk factors to note
- Material volatility across multiple financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA2
2026-10-1781/100 · v0.15
A2 → A2 · -1 points- Evidence quality: Strong financial evidence → Usable financial evidence.
A2
2026-10-0682/100 · v0.14
Oldest retained automatic assessment in this comparisonA2
2026-10-17
open-risk-grade-v0.15
The grade can use open digital financial statement data together with registry signals.
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
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 6 years of registry continuity.
Registry and status signalsSeurattava
67/100
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
6 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Registry timeline
Trade register notifications shown on a timeline.
23 register eventsLatest event: 2026-01-07
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-07.
This company profile has not been claimed yet
Ador Vakuutuspalvelut Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.