Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade C.Business profile
AFP Holding Oy
AFP Holding Oy's registered office is Hämeenlinna. It is a limited company. The company was established on 2020-02-19. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2025-12-31, revenue was €74,407 and operating profit was -€6,596.
Business ID 3119304-4ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3119304-4
- Sector
- Other activities auxiliary to financial services, except insurance and pension funding
- Municipality
- Hämeenlinna
- Company form
- Limited company
- Registration date
- 2020-02-19
- Business ID registration date
- 2020-02-14
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Puusepänkatu 3, 13110, Hämeenlinna
About AFP Holding Oy
Financial position and key figures for the company.
AFP Holding Oy's location municipality is Hämeenlinna. It is a limited company. The company was established on 2020-02-19. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2025-12-31, revenue was €74,407 and operating profit was -€6,596. The latest retained financial statement for 2025-12-31 shows revenue of €74,407 and profit for the financial year of -€14,683. Based on the latest retained statement, revenue growth was +166.5%, operating margin was -8.9%, and equity ratio was -10.1%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth166.5%
Operating margin-8.9%
Equity ratio-10.1%
Balance-sheet contextLatest financial period
Cash and bank€1,394Previous: €429
Retained earnings€1,831Previous: €6,041
Equity-€12,852Previous: €1,831
Liabilities€140,295Previous: €139,163
Current assets€125,249Previous: €138,492
Current liabilities€25,714Previous: €14,611
Revenue trend2 periods
€27,925
2024-12-31
€74,407
2025-12-31
Operating profit (loss) trend2 periods
-€7,211
2024-12-31
-€6,596
2025-12-31
Profit (loss) for the financial year trend2 periods
-€4,210
2024-12-31
-€14,683
2025-12-31
Assets trend2 periods
€140,994
2024-12-31
€127,443
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
0/100 · Declining
Current ratioWeak
2/100 · Improving
Operating profit marginWeak
28/100 · Improving
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 1.3 % | -10.1 % |
| Current ratio | 0.03x | 0.05x |
| Operating profit margin | -25.8 % | -8.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3119304-4
VAT IDFI31193044
EU IDFIFPRO.3119304-4
MunicipalityHämeenlinna
Current registered entries
2020-02-19Registered in Tax Administration (Tax Administration)
2020-02-19Registered in Patent and Registration Office (Trade Register)
2023-01-01VAT-liable for business activity in Tax Administration (VAT Register)
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
C
Elevated riskAFP Holding Oy
Grade unchangedC · new analysis 2026-10-17
38/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
2 comparable periodsRevenueImproving
ProfitabilityImproving
LiquidityStable
Same industry and sizeDescriptive comparison – does not change the model score.
41 peersSolvency5%
Below 95% of peers
Profitability24%
Below 76% of peers
Liquidity41%
Below 59% of peers
Revenue growth93%
Better than 93% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings133 days after period end
131 days after period end
2 consecutive periods
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- Lower industry distress context
Risk factors to note
- Negative equity
- Weak current ratio
- Negative profitability or net result
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsC
2026-10-1738/100 · v0.15
C → CC
2026-10-01 20:3938/100 · v0.14
B1 → C · -27 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1565/100 · v0.14
B1 → B1 · +4 points- Assessment confidence: Low → Medium.
- Evidence quality: Registry and statistical evidence → Registry and statistical evidence.
- New risk factor: Sufficient structured financial metrics are not available.
B1
2026-09-1461/100 · v0.12
Oldest retained automatic assessment in this comparisonC
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 riskvery low
88/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 6 years of registry continuity.
Registry and status signalsRajallinen
52/100
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
1 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → C.Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
9 register eventsLatest event: 2025-05-08
Financial statements availability
Available financial statement periods and PRH source filings.
2 financial statement periodsLatest financial period: 2025-12-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2025-12-31.
This company profile has not been claimed yet
AFP Holding Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.