Risk grade updatedRisk gradeEvidence verified
20 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.Business profile
Bertelium Oy
Bertelium Oy's registered office is Helsingfors. It is a limited company. The company was established on 2022-03-07. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c..
Business ID 3271216-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3271216-8
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Helsingfors
- Company form
- Limited company
- Registration date
- 2022-03-07
- Business ID registration date
- 2022-02-27
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kirvestie 26b B, 00760, Helsingfors
About Bertelium Oy
Financial position and key figures for the company.
Bertelium Oy's location municipality is Helsingfors. It is a limited company. The company was established on 2022-03-07. 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 +6.5%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
4
2
PRH/XBRL financial statement
Derived indicators
Equity ratio6.5%
Balance-sheet contextLatest financial period
Cash and bank€209Previous: €160
Retained earnings-€2,278Previous: -€1,091
Equity€763Previous: €1,182
Liabilities€10,966Previous: €10,498
Current assets€209Previous: €160
Operating profit (loss) trend2 periods
-€783
2024-12-31
-€751
2025-12-31
Profit (loss) for the financial year trend2 periods
-€1,187
2024-12-31
-€1,219
2025-12-31
Assets trend2 periods
€11,680
2024-12-31
€11,729
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
8/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 10.1 % | 6.5 % |
| Current ratio | - | - |
| Operating profit margin | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3271216-8
EU IDFIFPRO.3271216-8
MunicipalityHelsingfors
Current registered entries
2022-03-07Registered in Patent and Registration Office (Trade Register)
2022-03-08Registered in Tax Administration (Tax Administration)
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
SatisfactoryBertelium Oy
Grade downgradedB1 → B2 · new analysis 2026-09-20
53/100
Low
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
LiquidityNot enough history
Same size nationallyDescriptive comparison – does not change the model score.
141 peersSolvency22%
Below 78% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings111 days after period end
124 days after period end
4 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
- Negative profitability or net result
- Losses in the latest and previous available periods
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB2
2026-09-20 23:0953/100 · v0.14
B1 → B2 · -9 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Assessment confidence: Medium → Low.
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1462/100 · v0.14
B1 → B1B1
2026-09-1462/100 · v0.13
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
2026-09-1359/100 · v0.12
Oldest retained automatic assessment in this comparisonB2
2026-09-20
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
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
44/100
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
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
6 register eventsLatest event: 2026-04-21
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 2025-12-31.
This company profile has not been claimed yet
Bertelium Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.