Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
ARS Investment Collective Oy
ARS Investment Collective Oy's registered office is Saarenkylä. It is a limited company. The company was established on 2024-07-11. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c..
Business ID 3461556-4ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3461556-4
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Saarenkylä
- Company form
- Limited company
- Registration date
- 2024-07-11
- Business ID registration date
- 2024-07-08
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Ketaojantie 4, 96900, Saarenkylä
People and decision-makers
Rinta-Säntti Antti TapaniToimitusjohtaja
About ARS Investment Collective Oy
Financial position and key figures for the company.
ARS Investment Collective Oy's location municipality is Saarenkylä. It is a limited company. The company was established on 2024-07-11. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +91.2%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
2
2
Combined source
Derived indicators
Equity ratio91.2%
Balance-sheet contextLatest financial period
Cash and bank€5,522Previous: €46,655
Retained earnings-€187Previous: €0
Equity€121,224Previous: €136,813
Liabilities€11,653Previous: €14
Current assets€5,522Previous: €46,655
Current liabilities€11,653Previous: €14
Operating profit (loss) trend2 periods
-€130
2024-12-31
-€1,334
2025-12-31
Profit (loss) for the financial year trend2 periods
-€187
2024-12-31
-€15,589
2025-12-31
Assets trend2 periods
€136,827
2024-12-31
€132,877
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioGood
100/100 · Declining
Current ratioWeak
16/100 · Declining
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 100.0 % | 91.2 % |
| Current ratio | 3351.62x | 0.47x |
| Operating profit margin | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3461556-4
EU IDFIFPRO.3461556-4
MunicipalitySaarenkylä
Current registered entries
2024-07-11Registered in Patent and Registration Office (Trade Register)
2024-07-12Registered in Tax Administration (Tax Administration)
Responsible people
Public role relationships materialized from source observations.
Rinta-Säntti Antti TapaniToimitusjohtajaSources: 4 · Confidence: 78%
Lindroos Mikko JohannesPuheenjohtajaSources: 4 · Confidence: 78%
Lindroos Heikki RistoVarsinainen jäsenSources: 4 · Confidence: 78%
Kaaresto Jani KaleviVarsinainen jäsenSources: 4 · Confidence: 78%
Rinta-Säntti Antti TapaniVarsinainen jäsenSources: 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
StableARS Investment Collective Oy
Grade unchangedB1 · new analysis 2026-10-18
65/100
Medium
Usable financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
2 comparable periodsRevenueNot enough history
ProfitabilityNot enough history
Same industry and sizeDescriptive comparison – does not change the model score.
89 peersSolvency60%
Better than 60% of peers
Liquidity48%
Close to the peer-group midpoint
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings121 days after period end
159 days after period end
2 consecutive periods
Supporting factors
- Strong equity ratio
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
- Weak current ratio
- Negative profitability or net result
- Losses in the latest and previous available periods
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsB1
2026-10-1865/100 · v0.15
B1 → B1B1
2026-09-15 20:0865/100 · v0.14
B2 → B1 · +11 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Evidence quality: Limited financial evidence → Usable financial evidence.
B1
2026-09-1467/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
2026-10-18
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 continuityNuori
15/100
The company has about 2 years of registry continuity.
Registry and status signalsRajallinen
33/100
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 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → B1.Risk grade updatedRisk grade
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
5 register eventsLatest event: 2026-05-01
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
ARS Investment Collective Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.