Business profile

Backap Oy Ab

It is a limited company. The company was established on 2021-10-21. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c..

Business ID 3242984-8ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3242984-8
Sector
Other financial service activities, except insurance and pension funding n.e.c.
Municipality
Not currently available
Company form
Limited company
Registration date
2021-10-21
Business ID registration date
2021-10-19
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Registry-backed contact channels are not currently available for this company record.

About Backap Oy Ab

Financial position and key figures for the company.

It is a limited company. The company was established on 2021-10-21. 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 +7.4%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods4
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Equity ratio7.4%
Operating profit (loss)-€2,097+€67 (+3.1%) vs previous periodPrevious: -€2,165
Profit (loss) for the financial year€10,729+€16,424 (+288.4%) vs previous periodPrevious: -€5,695
Assets€151,562+€1,144 (+0.8%) vs previous periodPrevious: €150,418
Balance-sheet contextLatest financial period
Cash and bank€17,564Previous: €3,425
Retained earnings€418Previous: €6,113
Equity€11,147Previous: €418
Liabilities€140,415Previous: €150,000
Current assets€17,866Previous: €4,968
Current liabilities€60,415Previous: €10,000
Operating profit (loss) trend2 periods
-€2,165
2024-12-31
-€2,097
2025-12-31
Profit (loss) for the financial year trend2 periods
-€5,695
2024-12-31
€10,729
2025-12-31
Assets trend2 periods
€150,418
2024-12-31
€151,562
2025-12-31

Financial ratios

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

Equity ratioWeak
9/100 · Improving
7.3 %2024-12-31: 0.3 %
Current ratioWeak
10/100 · Declining
0.29x2024-12-31: 0.34x
Operating profit marginNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Ratio history
Ratio2024-12-312025-12-31
Equity ratio0.3 %7.3 %
Current ratio0.34x0.29x
Operating profit margin--

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3242984-8
VAT IDFI32429848
EU IDFIFPRO.3242984-8
Current registered entries
2021-10-19VAT-liable for business activity in Tax Administration (VAT Register)
2021-10-19Registered in Tax Administration (Prepayment Register)
2021-10-21Registered in Tax Administration (Tax Administration)
2021-10-21Registered 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
B2
SatisfactoryBackap Oy Ab
Grade downgradedB1 → B2 · new analysis 2026-09-30
Model score50/100
Assessment confidenceMedium
Evidence qualityUsable financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
3 comparable periods
RevenueNot enough history
ProfitabilityNot enough history
SolvencyImproving
LiquidityStable
Peer comparisonNational Tier 1 comparisonDescriptive comparison – does not change the model score.
614 peers
Solvency22%
Below 78% of peers
Liquidity49%
Close to the peer-group midpoint
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings
Latest registration lag77 days after period end
Typical registration lag58 days after period end
Annual continuity4 consecutive periods
Supporting factors
  • Company context reduces the weight of an isolated financial signal
  • Active registered status
  • A newer financial statement filing has been reported
Risk factors to note
  • Weak current ratio
  • High balance-sheet leverage
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessments
B2
2026-09-30 15:4650/100 · v0.14
B1 → B2 · -12 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
  • Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1562/100 · v0.14
B2 → B1 · +3 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.
B2
2026-09-1459/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB2
Automatic model snapshot2026-09-30
Automatic model versionopen-risk-grade-v0.14
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 riskvery low
89/100

Industry context is very 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
52/100

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

Registry timeline

Trade register notifications shown on a timeline.

7 register eventsLatest event: 2026-03-18

Financial statements availability

Available financial statement periods and PRH source filings.

4 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 2026-03-17.

This company profile has not been claimed yet

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