Business profile

Business Fox Oy

Business Fox Oy's registered office is Vanda. It is a limited company. The company was established on 2014-11-04. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-09-30, revenue was €106,376 and operating profit was €13,970.

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Business ID 2650953-4ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
2650953-4
Sector
Activities of insurance agents and brokers
Municipality
Vanda
Company form
Limited company
Registration date
2014-11-04
Business ID registration date
2014-10-29
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Tarhurintie 24 A 32, 01350, Vanda

Phone: +358504091800Source observation

Email: [email protected]Source observation

People and decision-makers

Kettunen Lauri ArtturiToimitusjohtaja

About Business Fox Oy

Financial position and key figures for the company.

Business Fox Oy's location municipality is Vanda. It is a limited company. The company was established on 2014-11-04. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-09-30, revenue was €106,376 and operating profit was €13,970. The latest retained financial statement for 2025-09-30 shows revenue of €106,376 and profit for the financial year of €10,783. Based on the latest retained statement, revenue growth was +31.0%, operating margin was +13.1%, and equity ratio was +76.8%.

Extended business activity

A longer directory- or registry-backed activity description that complements the short registry industry label.

Yhtiön toimiala on vakuutusasiamiesten ja -välittäjien toiminta, Kaikki muu kaupankäyntiin liittyvä. Kaikki laillinen toiminta.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-09-30

Imported periods4
PRH parsed2
Profile sourceCombined source
Derived indicators
Revenue growth31.0%
Operating margin13.1%
Equity ratio76.8%
Revenue€106,376+€25,166 (+31.0%) vs previous periodPrevious: €81,210
Operating profit (loss)€13,970+€9,338 (+201.6%) vs previous periodPrevious: €4,632
Profit (loss) for the financial year€10,783+€7,346 (+213.8%) vs previous periodPrevious: €3,437
Assets€20,745+€14,335 (+223.6%) vs previous periodPrevious: €6,410
Balance-sheet contextLatest financial period
Cash and bank€15,959Previous: €4,028
Retained earnings€2,643Previous: -€794
Profit before taxes€13,970Previous: €4,616
Equity€15,925Previous: €5,143
Liabilities€4,819Previous: €1,267
Current assets€17,145Previous: €5,010
Current liabilities€4,819Previous: €1,267
Employees1Previous: 1
Revenue trend4 periods
€71,163
2022-09-30
€72,379
2023-09-30
€81,210
2024-09-30
€106,376
2025-09-30
Operating profit (loss) trend5 periods
-€10
2021-09-30
€3,938
2022-09-30
-€1,611
2023-09-30
€4,632
2024-09-30
€13,970
2025-09-30
Profit (loss) for the financial year trend5 periods
-€10
2021-09-30
€2,328
2022-09-30
-€2,833
2023-09-30
€3,437
2024-09-30
€10,783
2025-09-30
Assets trend5 periods
€2,850
2021-09-30
€6,125
2022-09-30
€3,130
2023-09-30
€6,410
2024-09-30
€20,745
2025-09-30

Financial ratios

Financial ratios based on financial statement data. Source: Yhdistetty lähde.

Equity ratioGood
96/100 · Declining
76.8 %2024-09-30: 80.2 %
Current ratioGood
100/100 · Improving
3.31x2024-09-30: 3.18x
Operating profit marginGood
83/100 · Improving
13.1 %2024-09-30: 5.7 %
Ratio history
Ratio2021-09-302022-09-302023-09-302024-09-302025-09-30
Equity ratio77.6 %74.1 %54.5 %80.2 %76.8 %
Current ratio---3.18x3.31x
Operating profit margin-5.5 %-2.2 %5.7 %13.1 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID2650953-4
EU IDFIFPRO.2650953-4
MunicipalityVanda
Current registered entries
2014-11-04Registered in Patent and Registration Office (Trade Register)
2014-11-06Registered in Tax Administration (Tax Administration)
2021-11-01Registered in Tax Administration (Prepayment Register)

Responsible people

Public role relationships materialized from source observations.

Kettunen Lauri ArtturiToimitusjohtajaSources: 5 · Confidence: 78%
Kettunen Lauri ArtturiVarsinainen jäsenSources: 2 · Confidence: 78%
Kettunen Seppo AnteroVarajäsenSources: 2 · Confidence: 78%

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 goodBusiness Fox Oy
Grade unchangedA2 · new analysis 2026-10-17
Model score89/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators show coordinated recovery.
4 comparable periods
RevenueImproving · 2 consecutive periods
ProfitabilityImproving · 2 consecutive periods
SolvencyImproving
LiquidityStable
Peer comparisonSame industry, size and age groupDescriptive comparison – does not change the model score.
38 peers
Solvency53%
Close to the peer-group midpoint
Profitability42%
Below 58% of peers
Liquidity74%
Better than 74% of peers
Revenue growth82%
Better than 82% of peers
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 lag135 days after period end
Typical registration lag110 days after period end
Annual continuity4 consecutive periods
Supporting factors
  • Strong equity ratio
  • Strong operating profitability
  • Healthy short-term liquidity
Risk factors to note

No material separate warning signals.

Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
A2
2026-10-1789/100 · v0.15
A2 → A2
A2
2026-10-17 06:3689/100 · v0.14
A2 → A2 · +6 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-09-30).
  • Assessment confidence: Medium → High.
  • Evidence quality: Usable financial evidence → Strong financial evidence.
A2
2026-09-1483/100 · v0.14
A2 → A2
  • Revenue: Improving
  • Profitability: Improving
  • Solvency: Improving
A2
2026-09-1483/100 · v0.13
Oldest retained automatic assessment in this comparison
Automatic model gradeA2
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 continuityVakiintunut
80/100

The company has about 11 years of registry continuity.

Registry and status signalsSeurattava
74/100

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
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.

Registry timeline

Trade register notifications shown on a timeline.

14 register eventsLatest event: 2026-02-12

Financial statements availability

Available financial statement periods and PRH source filings.

4 financial statement periodsLatest financial period: 2025-09-30

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

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