Risk grade updatedRisk gradeEvidence verified
19 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
B M Sijoituspalvelut Oy
B M Sijoituspalvelut Oy's registered office is Esbo. It is a limited company. The company was established on 2002-02-19. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €95,488 and operating profit was €38,478.
Business ID 1739512-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 1739512-5
- Sector
- Activities of insurance agents and brokers
- Municipality
- Esbo
- Company form
- Limited company
- Registration date
- 2002-02-19
- Business ID registration date
- 2001-12-27
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Ellipsikuja 7 B 13, 02210, Esbo
Phone: +358415015290Source observation
Email: [email protected]Source observation
Website: https://masalin.fiSource observation
People and decision-makers
Masalin Björn MikaelToimitusjohtaja
About B M Sijoituspalvelut Oy
Financial position and key figures for the company.
B M Sijoituspalvelut Oy's location municipality is Esbo. It is a limited company. The company was established on 2002-02-19. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €95,488 and operating profit was €38,478. The latest retained financial statement for 2025-12-31 shows revenue of €95,488 and profit for the financial year of €40,003. Based on the latest retained statement, revenue growth was -5.4%, operating margin was +40.1%, and equity ratio was +91.7%.
Auxiliary business names
Public alternate names materialized from source observations.
B M Investment Services LtdB M Placeringstjänster AbBjörn Masalin Investment Services LtdBjörn Masalin Placeringstjänster Ab
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimiala on liikkeenjohdon konsultointi. Yhtiön toimialana on myös tavanomaisten (ei-juoksevien) yrityslainojen välittäminen, rahoitusalaa palveleva toiminta ml. rahoituspalveluiden myynti, koulutuspalveluiden tarjoaminen, lehtien ja kirjojen kustantaminen ja myynti, tiedottaminen ja markkinatutkimus, sekä muut hallinto- ja tukipalvelut liike-elämälle. Yhtiö voi myös omistaa kiinteistöjä sekä arvopapereita kuten osakkeita, rahasto-osuuksia tai sijoitusvakuutuksia, ja yhtiö voi myös käydä niillä kauppaa.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth-5.4%
Operating margin40.1%
Equity ratio91.7%
Revenue€95,488-€5,461 (-5.4%) vs previous periodPrevious: €100,949
Operating profit (loss)€38,478-€21,499 (-35.8%) vs previous periodPrevious: €59,977
Profit (loss) for the financial year€40,003-€20,763 (-34.2%) vs previous periodPrevious: €60,766
Assets€320,410+€26,372 (+9.0%) vs previous periodPrevious: €294,038
Balance-sheet contextLatest financial period
Employees3Previous: 2
Revenue trend4 periods
€75,750
2022-12-31
€30,773
2023-12-31
€100,949
2024-12-31
€95,488
2025-12-31
Operating profit (loss) trend4 periods
€1,960
2022-12-31
-€18,044
2023-12-31
€59,977
2024-12-31
€38,478
2025-12-31
Profit (loss) for the financial year trend4 periods
€23,844
2022-12-31
-€15,811
2023-12-31
€60,766
2024-12-31
€40,003
2025-12-31
Assets trend4 periods
€303,676
2022-12-31
€246,375
2023-12-31
€294,038
2024-12-31
€320,410
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Declining
Ratio history
| Ratio | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Equity ratio | 85.2 % | 90.3 % | 89.9 % | 91.7 % |
| Current ratio | - | - | - | - |
| Operating profit margin | 2.6 % | -58.6 % | 59.4 % | 40.1 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID1739512-5
VAT IDFI17395125
EU IDFIFPRO.1739512-5
MunicipalityEsbo
Current registered entries
2001-12-21Registered in Tax Administration (Prepayment Register)
2002-02-19Registered in Patent and Registration Office (Trade Register)
2002-03-06Registered in Tax Administration (Tax Administration)
2002-10-01Registered in Tax Administration (Employer Register)
2024-07-01VAT-liable for business activity in Tax Administration (VAT Register)
Responsible people
Public role relationships materialized from source observations.
Masalin Björn MikaelToimitusjohtajaSources: 6 · Confidence: 78%
Hultkrantz Karl Johan MartinVarajäsenSources: 2 · Confidence: 78%
Masalin Björn MikaelVarsinainen jäsenSources: 3 · Confidence: 78%
André EngströmPäävastuullinen tilintarkastajaSources: 1 · Confidence: 76%
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
A2
Very goodB M Sijoituspalvelut Oy
Grade unchangedA2 · new analysis 2026-10-19
84/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsRevenueImproving
ProfitabilityVolatile
SolvencyStable
LiquidityNot enough history
Same industry, size and age groupDescriptive comparison – does not change the model score.
63 peersSolvency68%
Better than 68% of peers
Profitability76%
Better than 76% of peers
Revenue growth38%
Below 62% of peers
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA2
2026-10-1984/100 · v0.15
A2 → A2 · -1 points- Evidence quality: Strong financial evidence → Usable financial evidence.
A2
2026-09-1685/100 · v0.14
Oldest retained automatic assessment in this comparisonA2
2026-10-19
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 continuityVakiintunut
80/100
The company has about 24 years of registry continuity.
Registry and status signalsVakaa
86/100
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
16 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Registry timeline
Trade register notifications shown on a timeline.
20 register eventsLatest event: 2026-05-20
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
B M Sijoituspalvelut Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.