Risk grade updatedRisk gradeEvidence verified
16 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
By Olivia Oy
By Olivia Oy's registered office is Karleby. It is a limited company. The company was established on 2023-11-14. It operates in the industry of specialised retail sale of clothing and accessories. In its latest retained statement for 2025-12-31, revenue was €968,390 and operating profit was €48,481.
Business ID 3404505-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3404505-5
- Sector
- Specialised retail sale of clothing and accessories
- Municipality
- Karleby
- Company form
- Limited company
- Registration date
- 2023-11-14
- Business ID registration date
- 2023-11-08
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Ristirannankatu 7 as. 16, 67100, Karleby
Phone: +358449629103Source observation
Email: [email protected]Source observation
Website: https://byolivia.fiSource observation
Tiktok profile: https://www.tiktok.com/@byolivia.fiSource: company website
Instagram profile: https://www.instagram.com/byolivia.fiSource: company website
Facebook profile: https://www.facebook.com/profile.php?id=61557512017138Source: company website
People and decision-makers
Kinnunen Rebecka Olivia MargaretaToimitusjohtaja
About By Olivia Oy
Financial position and key figures for the company.
By Olivia Oy's location municipality is Karleby. It is a limited company. The company was established on 2023-11-14. It operates in the industry of specialised retail sale of clothing and accessories. In its latest retained statement for 2025-12-31, revenue was €968,390 and operating profit was €48,481. The latest retained financial statement for 2025-12-31 shows revenue of €968,390 and profit for the financial year of €36,121. Based on the latest retained statement, revenue growth was +114.7%, operating margin was +5.0%, and equity ratio was +39.1%.
Auxiliary business names
Public alternate names materialized from source observations.
By Olivia Corporation
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth114.7%
Operating margin5.0%
Equity ratio39.1%
Revenue€968,390+€517,295 (+114.7%) vs previous periodPrevious: €451,095
Operating profit (loss)€48,481-€2,766 (-5.4%) vs previous periodPrevious: €51,247
Profit (loss) for the financial year€36,121-€4,640 (-11.4%) vs previous periodPrevious: €40,761
Assets€245,326+€148,816 (+154.2%) vs previous periodPrevious: €96,509
Balance-sheet contextLatest financial period
Employees2Previous: 3
Revenue trend2 periods
€451,095
2024-09-30
€968,390
2025-12-31
Operating profit (loss) trend2 periods
€51,247
2024-09-30
€48,481
2025-12-31
Profit (loss) for the financial year trend2 periods
€40,761
2024-09-30
€36,121
2025-12-31
Assets trend2 periods
€96,509
2024-09-30
€245,326
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioSatisfactory
49/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginSatisfactory
63/100 · Declining
Ratio history
| Ratio | 2024-09-30 | 2025-12-31 |
|---|---|---|
| Equity ratio | 61.9 % | 39.1 % |
| Current ratio | - | - |
| Operating profit margin | 11.4 % | 5.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3404505-5
VAT IDFI34045055
EU IDFIFPRO.3404505-5
MunicipalityKarleby
Current registered entries
2023-11-08VAT-liable for business activity in Tax Administration (VAT Register)
2023-11-08Registered in Tax Administration (Prepayment Register)
2023-11-14Registered in Patent and Registration Office (Trade Register)
2023-11-15Registered in Tax Administration (Tax Administration)
2024-02-16Registered in Tax Administration (Employer Register)
Responsible people
Public role relationships materialized from source observations.
Kinnunen Rebecka Olivia MargaretaToimitusjohtajaSources: 4 · Confidence: 78%
Rebecka Olivia Margareta KinnunenHallituksen puheenjohtaja (11/2023)Sources: 2 · Confidence: 76%
Furubacka Ann Helen MargaretaVarajäsenSources: 2 · Confidence: 78%
Ebrahimi Ali RezaVarsinainen jäsenSources: 4 · 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
B1
StableBy Olivia Oy
Grade unchangedB1 · new analysis 2026-10-17
61/100
Medium
Usable financial evidenceFinancial data included
Same industry, size and age groupDescriptive comparison – does not change the model score.
43 peersSolvency72%
Better than 72% of peers
Profitability51%
Close to the peer-group midpoint
Revenue growth84%
Better than 84% of peers
Supporting factors
- Active registered status
Risk factors to note
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB1
2026-10-1761/100 · v0.15
B1 → B1 · -1 points- Evidence quality: Strong financial evidence → Usable financial evidence.
B1
2026-09-1662/100 · v0.14
Oldest retained automatic assessment in this comparisonB1
2026-10-17
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 riskelevated
46/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityNuori
15/100
The company has about 2 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.
Registry timeline
Trade register notifications shown on a timeline.
5 register eventsLatest event: 2026-01-19
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-19.
This company profile has not been claimed yet
By Olivia Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.