Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
Avancia Oy
Avancia Oy's registered office is Mäntsälä. It is a limited company. The company was established on 2019-12-02. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €127,589 and operating profit was €3,169.
Business ID 3101594-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3101594-2
- Sector
- Activities of insurance agents and brokers
- Municipality
- Mäntsälä
- Company form
- Limited company
- Registration date
- 2019-12-02
- Business ID registration date
- 2019-11-27
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Versotie 2, 04620, Mäntsälä
Phone: +358409640636Source observation
Email: [email protected]Source observation
Website: https://avanciameklarit.fiSource observation
People and decision-makers
Miekkavaara Antti JuhanaToimitusjohtaja
About Avancia Oy
Financial position and key figures for the company.
Avancia Oy's location municipality is Mäntsälä. It is a limited company. The company was established on 2019-12-02. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €127,589 and operating profit was €3,169. The latest retained financial statement for 2025-12-31 shows revenue of €127,589 and profit for the financial year of €2,028. Based on the latest retained statement, revenue growth was -17.9%, operating margin was +2.5%, and equity ratio was +11.9%.
Auxiliary business names
Public alternate names materialized from source observations.
Avancia Meklarit
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Source observation
Derived indicators
Revenue growth-17.9%
Operating margin2.5%
Equity ratio11.9%
Revenue€127,589-€27,876 (-17.9%) vs previous periodPrevious: €155,465
Operating profit (loss)€3,169-€292 (-8.4%) vs previous periodPrevious: €3,461
Profit (loss) for the financial year€2,028-€552 (-21.4%) vs previous periodPrevious: €2,580
Assets€35,697+€13,895 (+63.7%) vs previous periodPrevious: €21,802
Balance-sheet contextLatest financial period
Profit before taxes€2,521Previous: €2,580
Employees1Previous: 2
Revenue trend5 periods
€144,470
2021-12-31
€143,243
2022-12-31
€139,112
2023-12-31
€155,465
2024-12-31
€127,589
2025-12-31
Operating profit (loss) trend5 periods
€7,446
2021-12-31
-€15,381
2022-12-31
€12,531
2023-12-31
€3,461
2024-12-31
€3,169
2025-12-31
Profit (loss) for the financial year trend5 periods
€4,751
2021-12-31
-€15,823
2022-12-31
€11,534
2023-12-31
€2,580
2024-12-31
€2,028
2025-12-31
Assets trend5 periods
€31,706
2021-12-31
€13,202
2022-12-31
€22,442
2023-12-31
€21,802
2024-12-31
€35,697
2025-12-31
Additional financial figures
The company's financial figures across different years.
| Metric | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue | - | €127,589 | €155,465 | €139,112 | €143,243 | €144,470 |
| Revenue growth | - | -17,9 % | 11,8 % | -2,9 % | -0,9 % | 2,6 % |
| Operating profit | - | €3,169 | €3,461 | €12,531 | -€15,381 | €7,446 |
| EBIT margin | - | 2,5 % | 2,2 % | 8,9 % | -10,7 % | 5,1 % |
| Profit for the financial year | - | €2,028 | €2,580 | €11,534 | -€15,823 | €4,751 |
| Profit before taxes | - | €2,521 | €2,580 | €11,534 | -€15,823 | €5,737 |
| Equity ratio | - | 12 % | 10,3 % | -1,5 % | -90 % | 12,4 % |
| Balance sheet total | - | €35,697 | €21,802 | €22,442 | €13,202 | €31,706 |
| Employees | 1 | 1 | 2 | 2 | 2 | 1 |
Financial ratios
Financial ratios based on financial statement data. Source: Lähdehavainto.
Equity ratioWeak
15/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginPassable
56/100 · Improving
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 12.4 % | -90.0 % | -1.5 % | 10.3 % | 11.9 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | 5.1 % | -10.7 % | 8.9 % | 2.2 % | 2.5 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3101594-2
VAT IDFI31015942
EU IDFIFPRO.3101594-2
MunicipalityMäntsälä
Current registered entries
2019-11-27Registered in Tax Administration (Prepayment Register)
2019-12-02Registered in Tax Administration (Tax Administration)
2019-12-02Registered in Patent and Registration Office (Trade Register)
2020-01-07VAT-liable for business activity in Tax Administration (VAT Register)
Responsible people
Public role relationships materialized from source observations.
Miekkavaara Antti JuhanaToimitusjohtajaSources: 5 · Confidence: 78%
Miekkavaara Antti JuhanaVarsinainen jäsenSources: 2 · Confidence: 78%
Miekkavaara Aino MariaVarajäsenSources: 2 · 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
B2
SatisfactoryAvancia Oy
Grade unchangedB2 · new analysis 2026-10-17
53/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsRevenueVolatile
SolvencyImproving
LiquidityNot enough history
Same industryDescriptive comparison – does not change the model score.
88 peersSolvency17%
Below 83% of peers
Profitability58%
Better than 58% of peers
Revenue growth18%
Below 82% of peers
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
- Lower industry distress context
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB2
2026-10-1753/100 · v0.15
B2 → B2 · +1 points- Evidence quality: Strong financial evidence → Usable financial evidence.
- Risk factor cleared: High balance-sheet leverage.
B2
2026-10-1252/100 · v0.14
Oldest retained automatic assessment in this comparisonB2
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 risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 6 years of registry continuity.
Registry and status signalsSeurattava
69/100
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
12 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
33 register eventsLatest event: 2026-04-16
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
Avancia Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.