Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
Armas Holding Oy
Armas Holding Oy's registered office is Turku. It is a limited company. The company was established on 2018-02-28. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €278,261 and operating profit was -€216,261.
Business ID 2864878-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2864878-1
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Turku
- Company form
- Limited company
- Registration date
- 2018-02-28
- Business ID registration date
- 2017-10-20
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Eerik Pommerilaisen ranta 8 A 2, 20810, Turku
Phone: +358105332325Source observation
Website: http://www.autotalolohja.fiSource observation
People and decision-makers
Mattinen Juhani Reino ArmasToimitusjohtaja
About Armas Holding Oy
Financial position and key figures for the company.
Armas Holding Oy's location municipality is Turku. It is a limited company. The company was established on 2018-02-28. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €278,261 and operating profit was -€216,261. The latest retained financial statement for 2025-12-31 shows revenue of €278,261 and profit for the financial year of -€40. Based on the latest retained statement, revenue growth was -99.0%, operating margin was -77.7%, and equity ratio was +93.5%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
Combined source
Derived indicators
Revenue growth-99.0%
Operating margin-77.7%
Equity ratio93.5%
Balance-sheet contextLatest financial period
Other operating income€33,070Previous: €3,497,779
Inventory€711,334Previous: €766,273
Cash and bank€92,122Previous: €7,228,365
Retained earnings€9,939,133Previous: €6,815,495
Equity€10,039,092Previous: €10,189,133
Liabilities€697,041Previous: €1,204,413
Current assets€6,293,174Previous: €10,832,928
Current liabilities€57,032Previous: €503,163
Employees2Previous: No comparison value
Revenue trend5 periods
€41,516,000
2021-12-31
€39,909,000
2022-12-31
€43,343,000
2023-12-31
€27,581,000
2024-12-31
€278,261
2025-12-31
Operating profit (loss) trend5 periods
€1,111,000
2021-12-31
€1,542,000
2022-12-31
€1,121,000
2023-12-31
€3,691,000
2024-12-31
-€216,261
2025-12-31
Profit (loss) for the financial year trend5 periods
€1,287,000
2021-12-31
€1,663,000
2022-12-31
€1,219,000
2023-12-31
€3,274,000
2024-12-31
-€40
2025-12-31
Assets trend5 periods
€7,013,000
2021-12-31
€8,808,000
2022-12-31
€11,421,000
2023-12-31
€11,394,000
2024-12-31
€10,736,134
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioGood
100/100 · Improving
Current ratioGood
100/100 · Improving
Operating profit marginWeak
0/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 63.9 % | 68.2 % | 61.9 % | 89.4 % | 93.5 % |
| Current ratio | 1.24x | 0.64x | 0.83x | 18.40x | 89.80x |
| Operating profit margin | 2.7 % | 3.9 % | 2.6 % | 13.4 % | -77.7 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2864878-1
VAT IDFI28648781
EU IDFIFPRO.2864878-1
MunicipalityTurku
Current registered entries
2018-02-28Registered in Patent and Registration Office (Trade Register)
2018-03-01VAT-liable for business activity in Tax Administration (VAT Register)
2018-03-01Registered in Tax Administration (Prepayment Register)
2018-03-01Registered in Tax Administration (Tax Administration)
2022-02-23VAT-obliged for the transfer of rights to use immovable property in Tax Administration (VAT Register)
Responsible people
Public role relationships materialized from source observations.
Mattinen Juhani Reino ArmasToimitusjohtajaSources: 2 · Confidence: 78%
Mattinen Jorma Reino JuhaniPuheenjohtajaSources: 2 · Confidence: 78%
Mattinen Juhani Reino ArmasVarsinainen jäsenSources: 1 · Confidence: 78%
Mattinen Marja AnnukkaVarsinainen jäsenSources: 2 · Confidence: 78%
Kannisto Jani JuhaniProkuristiSources: 1 · Confidence: 78%
Malén Miika ViljamiTilintarkastajaSources: 1 · Confidence: 78%
Peltonen Niko PetteriProkuristiSources: 1 · Confidence: 78%
Heino Erja TuulikkiProkuristiSources: 1 · 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
B1
StableArmas Holding Oy
Grade downgradedA3 → B1 · new analysis 2026-10-17
66/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsProfitabilityVolatile
SolvencyImproving
LiquidityImproving · 2 consecutive periods
Same industry, size and age groupDescriptive comparison – does not change the model score.
38 peersSolvency76%
Better than 76% of peers
Profitability3%
Below 97% of peers
Liquidity92%
Better than 92% of peers
Revenue growth0%
Below 100% 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 filings120 days after period end
120 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Negative profitability or net result
- Sharp year-over-year revenue drop
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB1
2026-10-1766/100 · v0.15
A3 → B1 · -4 points- Revenue: Not enough history → Deteriorating
- Profitability: Not enough history → Volatile
- Solvency: Not enough history → Improving
A3
2026-09-20 16:3570/100 · v0.14
A3 → A3- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
A3
2026-09-1470/100 · v0.14
A3 → A3A3
2026-09-1470/100 · v0.13
Oldest retained automatic assessment in this comparisonB1
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
89/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 8 years of registry continuity.
Registry and status signalsSeurattava
72/100
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 A3.Registry timeline
Trade register notifications shown on a timeline.
16 register eventsLatest event: 2026-04-30
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
Armas Holding Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.