Business profile

Cardset Finland Oy

Cardset Finland Oy's registered office is Turku. It is a limited company. The company was established on 1998-08-14. It operates in the industry of manufacture of paper stationery. In its latest retained statement for 2025-07-31, revenue was €147,868 and operating profit was -€13,771.

Claim profileContact details
Business ID 1476994-5ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
1476994-5
Sector
Manufacture of paper stationery
Municipality
Turku
Company form
Limited company
Registration date
1998-08-14
Business ID registration date
1998-07-09
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Postal address: P.O. Box 717, 20101, Turku

About Cardset Finland Oy

Financial position and key figures for the company.

Cardset Finland Oy's location municipality is Turku. It is a limited company. The company was established on 1998-08-14. It operates in the industry of manufacture of paper stationery. In its latest retained statement for 2025-07-31, revenue was €147,868 and operating profit was -€13,771. The latest retained financial statement for 2025-07-31 shows revenue of €147,868 and profit for the financial year of -€13,827. Based on the latest retained statement, revenue growth was -58.1%, operating margin was -9.3%, and equity ratio was -49.2%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-07-31

Imported periods3
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-58.1%
Operating margin-9.3%
Equity ratio-49.2%
Revenue€147,868-€204,825 (-58.1%) vs previous periodPrevious: €352,693
Operating profit (loss)-€13,771-€23,308 (-244.4%) vs previous periodPrevious: €9,537
Profit (loss) for the financial year-€13,827-€23,071 (-249.6%) vs previous periodPrevious: €9,244
Assets€31,669-€108,564 (-77.4%) vs previous periodPrevious: €140,233
Balance-sheet contextLatest financial period
Inventory€16,530Previous: €82,703
Cash and bank€12,461Previous: €35,476
Retained earnings-€11,883Previous: -€94,394
Equity-€15,568Previous: -€1,741
Liabilities€47,237Previous: €141,974
Current assets€31,669Previous: €140,167
Current liabilities€24,237Previous: €68,974
Revenue trend2 periods
€352,693
2024-07-31
€147,868
2025-07-31
Operating profit (loss) trend2 periods
€9,537
2024-07-31
-€13,771
2025-07-31
Profit (loss) for the financial year trend2 periods
€9,244
2024-07-31
-€13,827
2025-07-31
Assets trend2 periods
€140,233
2024-07-31
€31,669
2025-07-31

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioWeak
0/100 · Declining
-49.2 %2024-07-31: -1.2 %
Current ratioSatisfactory
40/100 · Declining
1.20x2024-07-31: 1.71x
Operating profit marginWeak
27/100 · Declining
-9.3 %2024-07-31: 2.7 %
Ratio history
Ratio2024-07-312025-07-31
Equity ratio-1.2 %-49.2 %
Current ratio1.71x1.20x
Operating profit margin2.7 %-9.3 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID1476994-5
VAT IDFI14769945
EU IDFIFPRO.1476994-5
MunicipalityTurku
Current registered entries
1998-06-29VAT-liable for business activity in Tax Administration (VAT Register)
1998-07-03Registered in Tax Administration (Prepayment Register)
1998-07-09Registered in Tax Administration (Tax Administration)
1998-08-14Registered in Patent and Registration Office (Trade 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
D
High riskCardset Finland Oy
Grade unchangedD · new analysis 2026-10-18
Model score17/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
3 comparable periods
RevenueDeteriorating
ProfitabilityDeteriorating
SolvencyDeteriorating
LiquidityDeteriorating
Peer comparisonSame size nationallyDescriptive comparison – does not change the model score.
1742 peers
Solvency6%
Below 94% of peers
Profitability8%
Below 92% of peers
Liquidity66%
Better than 66% of peers
Revenue growth1%
Below 99% 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.
3 observed filings
Latest registration lag177 days after period end
Typical registration lag226 days after period end
Annual continuity3 consecutive periods
Supporting factors
  • Active registered status
  • A newer financial statement filing has been reported
  • Long registry continuity
Risk factors to note
  • Negative equity
  • Negative profitability or net result
  • Sharp year-over-year revenue drop
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
D
2026-10-1817/100 · v0.15
D → D
D
2026-09-24 14:2017/100 · v0.14
B1 → D · -51 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-07-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1568/100 · v0.14
B1 → B1 · +7 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
2026-09-1461/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeD
Automatic model snapshot2026-10-18
Automatic model versionopen-risk-grade-v0.15
Financial data included

The grade can use open digital financial statement data together with registry signals.

A serious financial risk signal affects this grade. Review the profile financial indicators as well.

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 riskmedium
55/100

Industry context is medium based on normalized open statistical inputs.

Age and continuityVakiintunut
90/100

The company has about 28 years of registry continuity.

Registry and status signalsVakaa
80/100

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
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade D.
Risk grade updatedRisk gradeEvidence verified
24 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → D.
Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.

Registry timeline

Trade register notifications shown on a timeline.

17 register eventsLatest event: 2026-03-04

Financial statements availability

Available financial statement periods and PRH source filings.

3 financial statement periodsLatest financial period: 2025-07-31

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-04.

This company profile has not been claimed yet

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