Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Asuntopalvelu Marja Karjalainen Oy
Asuntopalvelu Marja Karjalainen Oy's registered office is Tampere. It is a limited company. The company was established on 1987-11-11. It operates in the industry of intermediation service activities for real estate activities. In its latest retained statement for 2025-06-30, revenue was €305,736 and operating profit was €45,866.
Business ID 0691635-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0691635-1
- Sector
- Intermediation service activities for real estate activities
- Municipality
- Tampere
- Company form
- Limited company
- Registration date
- 1987-11-11
- Business ID registration date
- 1988-03-10
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Keskisenkatu 10, 33710, Tampere
Website: https://www.asuntopalvelukarjalainen.comSource observation
About Asuntopalvelu Marja Karjalainen Oy
Financial position and key figures for the company.
Asuntopalvelu Marja Karjalainen Oy's location municipality is Tampere. It is a limited company. The company was established on 1987-11-11. It operates in the industry of intermediation service activities for real estate activities. In its latest retained statement for 2025-06-30, revenue was €305,736 and operating profit was €45,866. The latest retained financial statement for 2025-06-30 shows revenue of €305,736 and profit for the financial year of €32,724. Based on the latest retained statement, revenue growth was +8.5%, operating margin was +15.0%, and equity ratio was +51.3%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-06-30
3
2
PRH/XBRL financial statement
Derived indicators
Revenue growth8.5%
Operating margin15.0%
Equity ratio51.3%
Balance-sheet contextLatest financial period
Other operating income€9,090Previous: €8,688
Cash and bank€59,636Previous: €112,865
Advances received€1,300Previous: €1,300
Retained earnings€206,778Previous: €188,678
Equity€247,502Previous: €232,778
Liabilities€235,305Previous: €130,848
Current assets€75,972Previous: €122,495
Current liabilities€115,305Previous: €130,848
Revenue trend2 periods
€281,913
2024-06-30
€305,736
2025-06-30
Operating profit (loss) trend2 periods
€45,231
2024-06-30
€45,866
2025-06-30
Profit (loss) for the financial year trend2 periods
€36,100
2024-06-30
€32,724
2025-06-30
Assets trend2 periods
€363,627
2024-06-30
€482,807
2025-06-30
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
64/100 · Declining
Current ratioPassable
17/100 · Declining
Operating profit marginGood
86/100 · Declining
Ratio history
| Ratio | 2024-06-30 | 2025-06-30 |
|---|---|---|
| Equity ratio | 64.3 % | 51.4 % |
| Current ratio | 0.86x | 0.52x |
| Operating profit margin | 15.6 % | 14.6 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0691635-1
VAT IDFI06916351
EU IDFIFPRO.0691635-1
MunicipalityTampere
Current registered entries
1987-11-11Registered in Patent and Registration Office (Trade Register)
1988-03-10Registered in Tax Administration (Tax Administration)
1994-06-01VAT-liable for business activity in Tax Administration (VAT Register)
1995-02-01Registered in Tax Administration (Employer Register)
1995-03-01Registered in Tax Administration (Prepayment 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
GoodAsuntopalvelu Marja Karjalainen Oy
Grade unchangedA3 · new analysis 2026-10-17
75/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
3 comparable periodsRevenueStable
ProfitabilityStable
Same industry, size and age groupDescriptive comparison – does not change the model score.
66 peersSolvency50%
Close to the peer-group midpoint
Profitability42%
Below 58% of peers
Liquidity55%
Better than 55% of peers
Revenue growth73%
Better than 73% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings130 days after period end
125 days after period end
3 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Active registered status
Risk factors to note
- Weak current ratio
- Coordinated deterioration across 2 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1775/100 · v0.15
A3 → A3A3
2026-09-22 03:2875/100 · v0.14
B1 → A3 · +9 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-06-30).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1466/100 · v0.14
B1 → B1 · +6 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
2026-09-1360/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
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 riskmedium
53/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 38 years of registry continuity.
Registry and status signalsVakaa
78/100
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
22 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Risk grade updatedRisk gradeEvidence verified
13 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
15 register eventsLatest event: 2025-11-07
Financial statements availability
Available financial statement periods and PRH source filings.
3 financial statement periodsLatest financial period: 2025-06-30
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
Asuntopalvelu Marja Karjalainen Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.