Risk grade updatedRisk gradeEvidence verified
29 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → A2.Business profile
BAJ Oy
BAJ Oy's registered office is Lahti. It is a limited company. The company was established on 2015-07-23. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding.
Business ID 2700984-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2700984-9
- Sector
- Other activities auxiliary to financial services, except insurance and pension funding
- Municipality
- Lahti
- Company form
- Limited company
- Registration date
- 2015-07-23
- Business ID registration date
- 2015-07-15
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Niemenkatu 73, 15140, Lahti
About BAJ Oy
Financial position and key figures for the company.
BAJ Oy's location municipality is Lahti. It is a limited company. The company was established on 2015-07-23. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +91.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Equity ratio91.0%
Balance-sheet contextLatest financial period
Cash and bank€40,698Previous: €18,710
Retained earnings€1,537,928Previous: €1,540,497
Equity€1,696,311Previous: €1,673,428
Liabilities€167,677Previous: €168,571
Current assets€40,700Previous: €18,711
Current liabilities€8,677Previous: €6,571
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Improving
Current ratioGood
100/100 · Improving
Operating profit marginNot assessable
0/100 · Trend unavailable
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2700984-9
EU IDFIFPRO.2700984-9
MunicipalityLahti
Current registered entries
2015-07-23Registered in Patent and Registration Office (Trade Register)
2015-07-30Registered in Tax Administration (Tax Administration)
2015-08-01Registered 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
A2
Very goodBAJ Oy
Grade upgradedA3 → A2 · new analysis 2026-09-29
80/100
Medium
Usable financial evidenceFinancial data included
National Tier 1 comparisonDescriptive comparison – does not change the model score.
178 peersSolvency77%
Better than 77% of peers
Liquidity87%
Better than 87% of peers
Limited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings139 days after period end
139 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Active registered status
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsA2
2026-09-29 06:1280/100 · v0.14
A3 → A2 · +8 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.
A3
2026-09-1572/100 · v0.14
B1 → A3 · +8 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
2026-09-1464/100 · v0.12
Oldest retained automatic assessment in this comparisonA2
2026-09-29
open-risk-grade-v0.14
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 riskvery low
88/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 11 years of registry continuity.
Registry and status signalsSeurattava
71/100
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
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
16 register eventsLatest event: 2025-05-08
Financial statements availability
Available financial statement periods and PRH source filings.
1 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
BAJ Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.