Risk grade updatedRisk gradeEvidence verified
21 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade C.Business profile
Caritann Oy
Caritann Oy's registered office is Vanda. It is a limited company. The company was established on 2023-11-10. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-10-31, revenue was €24,581 and operating profit was €1,344.
Business ID 3403455-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3403455-9
- Sector
- Activities of insurance agents and brokers
- Municipality
- Vanda
- Company form
- Limited company
- Registration date
- 2023-11-10
- Business ID registration date
- 2023-11-03
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Tammistontie 4, 01520, Vanda
Phone: +358401652549Source observation
People and decision-makers
Manninen Carita Helena AnneliVarsinainen jäsen
Manninen Mikael Tapio JohannesVarajäsen
About Caritann Oy
Financial position and key figures for the company.
Caritann Oy's location municipality is Vanda. It is a limited company. The company was established on 2023-11-10. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-10-31, revenue was €24,581 and operating profit was €1,344. The latest retained financial statement for 2025-10-31 shows revenue of €24,581 and profit for the financial year of €1,344. Based on the latest retained statement, revenue growth was +166.8%, operating margin was +5.5%, and equity ratio was -154.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-10-31
0
0
Enriched source observation
Derived indicators
Revenue growth166.8%
Operating margin5.5%
Equity ratio-154.4%
Revenue€24,581+€15,369 (+166.8%) vs previous periodPrevious: €9,212
Operating profit (loss)€1,344+€9,607 (+116.3%) vs previous periodPrevious: -€8,263
Profit (loss) for the financial year€1,344+€9,612 (+116.3%) vs previous periodPrevious: -€8,268
Assets€4,484+€1,627 (+57.0%) vs previous periodPrevious: €2,857
Balance-sheet contextLatest financial period
Profit before taxes€1,344Previous: -€8,268
Employees0Previous: 1
Revenue trend2 periods
€9,212
2024-10-31
€24,581
2025-10-31
Operating profit (loss) trend2 periods
-€8,263
2024-10-31
€1,344
2025-10-31
Profit (loss) for the financial year trend2 periods
-€8,268
2024-10-31
€1,344
2025-10-31
Assets trend2 periods
€2,857
2024-10-31
€4,484
2025-10-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioWeak
0/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginSatisfactory
64/100 · Improving
Ratio history
| Ratio | 2024-10-31 | 2025-10-31 |
|---|---|---|
| Equity ratio | -289.5 % | -154.4 % |
| Current ratio | - | - |
| Operating profit margin | -72.3 % | 5.5 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3403455-9
EU IDFIFPRO.3403455-9
MunicipalityVanda
Current registered entries
2023-11-10Registered in Tax Administration (Tax Administration)
2023-11-10Registered in Patent and Registration Office (Trade Register)
2025-05-05Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Manninen Carita Helena AnneliVarsinainen jäsenSources: 4 · Confidence: 78%
Manninen Mikael Tapio JohannesVarajäsenSources: 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
C
Elevated riskCaritann Oy
39/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
2 comparable periodsRevenueImproving
ProfitabilityImproving
SolvencyImproving
LiquidityNot enough history
National Tier 1 comparisonDescriptive comparison – does not change the model score.
142 peersSolvency6%
Below 94% of peers
Profitability61%
Better than 61% of peers
Revenue growth95%
Better than 95% of peers
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
- Lower industry distress context
Risk factors to note
- Negative equity
- High balance-sheet leverage
C
2026-09-21
open-risk-grade-v0.14
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.
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 continuityNuori
15/100
The company has about 2 years of registry continuity.
Registry and status signalsRajallinen
39/100
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.
4 register eventsLatest event: 2026-05-01
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
Caritann Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.