Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
Caja de ahorro Oy
Caja de ahorro Oy's registered office is Helsingfors. It is a limited company. The company was established on 2019-12-31. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €129,429 and operating profit was €46,024.
Business ID 3022541-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3022541-1
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Helsingfors
- Company form
- Limited company
- Registration date
- 2019-12-31
- Business ID registration date
- 2019-09-02
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Tukkisillantie 7 A, 00700, Helsingfors
Phone: +358405898012Source observation
Email: [email protected]Source observation
People and decision-makers
Torkkel Timo JuhaniVarsinainen jäsen
Torkkel Tiina HelenaVarajäsen
About Caja de ahorro Oy
Financial position and key figures for the company.
Caja de ahorro Oy's location municipality is Helsingfors. It is a limited company. The company was established on 2019-12-31. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €129,429 and operating profit was €46,024. The latest retained financial statement for 2025-12-31 shows revenue of €129,429 and profit for the financial year of €68,567. Based on the latest retained statement, revenue growth was +1011.0%, operating margin was +35.6%, and equity ratio was +85.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth1011.0%
Operating margin35.6%
Equity ratio85.9%
Revenue€129,429+€117,779 (+1011.0%) vs previous periodPrevious: €11,650
Operating profit (loss)€46,024+€23,939 (+108.4%) vs previous periodPrevious: €22,085
Profit (loss) for the financial year€68,567+€37,183 (+118.5%) vs previous periodPrevious: €31,384
Assets€3,109,429-€13,114 (-0.4%) vs previous periodPrevious: €3,122,543
Balance-sheet contextLatest financial period
Profit before taxes€84,767Previous: €45,284
Employees12Previous: 0
Revenue trend5 periods
€0
2021-12-31
€98,646
2022-12-31
€6,700
2023-12-31
€11,650
2024-12-31
€129,429
2025-12-31
Operating profit (loss) trend5 periods
€21,820
2021-12-31
€61,753
2022-12-31
-€4,245
2023-12-31
€22,085
2024-12-31
€46,024
2025-12-31
Profit (loss) for the financial year trend5 periods
€310,320
2021-12-31
€174,457
2022-12-31
€92,752
2023-12-31
€31,384
2024-12-31
€68,567
2025-12-31
Assets trend5 periods
€2,999,851
2021-12-31
€3,235,073
2022-12-31
€3,095,790
2023-12-31
€3,122,543
2024-12-31
€3,109,429
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 96.8 % | 90.5 % | 92.8 % | 88.2 % | 85.9 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | - | 62.6 % | -63.4 % | 189.6 % | 35.6 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3022541-1
VAT IDFI30225411
EU IDFIFPRO.3022541-1
MunicipalityHelsingfors
Current registered entries
2019-12-31Registered in Patent and Registration Office (Trade Register)
2020-01-09Registered in Tax Administration (Tax Administration)
2022-06-08VAT-liable for business activity in Tax Administration (VAT Register)
2022-07-04Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Torkkel Timo JuhaniVarsinainen jäsenSources: 4 · Confidence: 78%
Torkkel Tiina HelenaVarajäsenSources: 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 goodCaja de ahorro Oy
Grade unchangedA2 · new analysis 2026-10-18
86/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsRevenueImproving · 2 consecutive periods
ProfitabilityVolatile
SolvencyStable
LiquidityNot enough history
Same industry and sizeDescriptive comparison – does not change the model score.
45 peersSolvency53%
Close to the peer-group midpoint
Profitability71%
Better than 71% of peers
Revenue growth96%
Better than 96% of peers
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA2
2026-10-1886/100 · v0.15
A2 → A2 · -1 points- Evidence quality: Strong financial evidence → Usable financial evidence.
A2
2026-09-1687/100 · v0.14
Oldest retained automatic assessment in this comparisonA2
2026-10-18
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 riskvery low
89/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 6 years of registry continuity.
Registry and status signalsSeurattava
67/100
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
16 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Registry timeline
Trade register notifications shown on a timeline.
13 register eventsLatest event: 2026-01-22
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
Caja de ahorro Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.