Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → A3.Business profile
AP-kodit Oy
AP-kodit Oy's registered office is Palokka. It is a limited company. The company was established on 2021-02-24. It operates in the industry of buying and selling of own real estate. In its latest retained statement for 2025-12-31, revenue was €3,629,887 and operating profit was €413,519.
Business ID 3189076-3ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3189076-3
- Sector
- Buying and selling of own real estate
- Municipality
- Palokka
- Company form
- Limited company
- Registration date
- 2021-02-24
- Business ID registration date
- 2021-02-07
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Tiilitehtaantie 55 A, 40270, Palokka
Website: https://www.ap-kodit.fiSource observation
About AP-kodit Oy
Financial position and key figures for the company.
AP-kodit Oy's location municipality is Palokka. It is a limited company. The company was established on 2021-02-24. It operates in the industry of buying and selling of own real estate. In its latest retained statement for 2025-12-31, revenue was €3,629,887 and operating profit was €413,519. The latest retained financial statement for 2025-12-31 shows revenue of €3,629,887 and profit for the financial year of €289,632. Based on the latest retained statement, revenue growth was +11.8%, operating margin was +11.4%, and equity ratio was +65.2%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth11.8%
Operating margin11.4%
Equity ratio65.2%
Balance-sheet contextLatest financial period
Inventory€1,739,856Previous: €2,165,867
Cash and bank€248,755Previous: €74,222
Retained earnings€582,311Previous: €167,185
Equity€1,371,943Previous: €1,453,606
Liabilities€731,735Previous: €885,641
Current assets€2,079,730Previous: €2,309,025
Current liabilities€343,706Previous: €125,546
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
82/100 · Improving
Current ratioGood
100/100 · Declining
Operating profit marginGood
78/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3189076-3
VAT IDFI31890763
EU IDFIFPRO.3189076-3
MunicipalityPalokka
Current registered entries
2021-02-24Registered in Tax Administration (Tax Administration)
2021-02-24Registered in Patent and Registration Office (Trade Register)
2023-08-01VAT-liable for business activity in Tax Administration (VAT Register)
2023-08-21Registered in Tax Administration (Prepayment Register)
2023-09-01Registered in Tax Administration (Employer 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
A3
GoodAP-kodit Oy
Grade upgradedB2 → A3 · new analysis 2026-09-15
78/100
Medium
Usable financial evidenceFinancial data included
Same size nationallyDescriptive comparison – does not change the model score.
106 peersSolvency66%
Better than 66% of peers
Profitability70%
Better than 70% of peers
Liquidity98%
Better than 98% of peers
Limited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings199 days after period end
199 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Healthy short-term liquidity
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-09-15 13:3278/100 · v0.14
B2 → A3 · +21 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B2
2026-09-1457/100 · v0.14
B2 → B2B2
2026-09-1457/100 · v0.13
B2 → B2 · +1 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.
B2
2026-09-1356/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
2026-09-15
open-risk-grade-v0.14
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 riskmedium
53/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 5 years of registry continuity.
Registry and status signalsSeurattava
59/100
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
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
13 register eventsLatest event: 2025-05-21
Financial statements availability
Available financial statement periods and PRH source filings.
1 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
AP-kodit Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.