Business profile

AVP Partners Oy

AVP Partners Oy's registered office is Oulu. It is a limited company. The company was established on 2022-05-25. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €55,574 and operating profit was -€1,138.

Claim profileContact details
Business ID 3288022-5ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3288022-5
Sector
Activities of insurance agents and brokers
Municipality
Oulu
Company form
Limited company
Registration date
2022-05-25
Business ID registration date
2022-05-17
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Valjastie 14 A, 90650, Oulu

About AVP Partners Oy

Financial position and key figures for the company.

AVP Partners Oy's location municipality is Oulu. It is a limited company. The company was established on 2022-05-25. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €55,574 and operating profit was -€1,138. The latest retained financial statement for 2025-12-31 shows revenue of €55,574 and profit for the financial year of -€1,130. Based on the latest retained statement, revenue growth was -78.5%, operating margin was -2.0%, and equity ratio was +98.2%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods3
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-78.5%
Operating margin-2.0%
Equity ratio98.2%
Revenue€55,574-€202,921 (-78.5%) vs previous periodPrevious: €258,495
Operating profit (loss)-€1,138-€115,956 (-101.0%) vs previous periodPrevious: €114,818
Profit (loss) for the financial year-€1,130-€90,909 (-101.3%) vs previous periodPrevious: €89,779
Assets€285,112-€16,064 (-5.3%) vs previous periodPrevious: €301,176
Balance-sheet contextLatest financial period
Other operating income€0Previous: €52,508
Cash and bank€13,438Previous: €24,694
Advances received€201Previous: €980
Retained earnings€281,106Previous: €197,813
Equity€279,976Previous: €287,592
Liabilities€5,136Previous: €13,584
Current assets€13,438Previous: €24,694
Current liabilities€201Previous: €8,144
Revenue trend2 periods
€258,495
2024-12-31
€55,574
2025-12-31
Operating profit (loss) trend2 periods
€114,818
2024-12-31
-€1,138
2025-12-31
Profit (loss) for the financial year trend2 periods
€89,779
2024-12-31
-€1,130
2025-12-31
Assets trend2 periods
€301,176
2024-12-31
€285,112
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioGood
100/100 · Improving
98.3 %2024-12-31: 95.8 %
Current ratioGood
100/100 · Improving
66.94x2024-12-31: 3.03x
Operating profit marginWeak
45/100 · Declining
-2.0 %2024-12-31: 36.9 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio95.8 %98.3 %
Current ratio3.03x66.94x
Operating profit margin36.9 %-2.0 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3288022-5
EU IDFIFPRO.3288022-5
MunicipalityOulu
Current registered entries
2022-05-17Registered in Tax Administration (Prepayment Register)
2022-05-25Registered in Tax Administration (Tax Administration)
2022-05-25Registered in Patent and Registration Office (Trade 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
B1
StableAVP Partners Oy
Grade unchangedB1 · new analysis 2026-10-17
Model score64/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
3 comparable periods
RevenueDeteriorating
ProfitabilityDeteriorating
SolvencyStable
LiquidityImproving
Peer comparisonSame industry and sizeDescriptive comparison – does not change the model score.
101 peers
Solvency84%
Better than 84% of peers
Profitability34%
Below 66% of peers
Liquidity94%
Better than 94% of peers
Revenue growth9%
Below 91% of peers
Financial statement reporting patternMixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings
Latest registration lag98 days after period end
Typical registration lag98 days after period end
Annual continuity3 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
  • Coordinated deterioration across 2 financial domains
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
B1
2026-10-1764/100 · v0.15
B1 → B1
B1
2026-10-04 10:3164/100 · v0.14
B2 → B1 · +7 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B2
2026-09-1557/100 · v0.14
B2 → B2
  • 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
2026-09-1457/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB1
Automatic model snapshot2026-10-17
Automatic model versionopen-risk-grade-v0.15
Financial data included

The grade can use open digital financial statement data together with registry signals.

Verify assessment

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 continuityNuori
35/100

The company has about 4 years of registry continuity.

Registry and status signalsRajallinen
47/100

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
4 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → B1.
Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.

Registry timeline

Trade register notifications shown on a timeline.

6 register eventsLatest event: 2026-04-08

Financial statements availability

Available financial statement periods and PRH source filings.

3 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

AVP Partners Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.