Business profile

Cashlender Oy

Cashlender Oy's registered office is Kouvola. It is a limited company. The company was established on 2009-01-23. It operates in the industry of restaurants and cafeterias. In its latest retained statement for 2026-05-31, revenue was €127,877 and operating profit was €30,673.

Claim profileContact details
Business ID 2242207-9ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
2242207-9
Sector
Restaurants and cafeterias
Municipality
Kouvola
Company form
Limited company
Registration date
2009-01-23
Business ID registration date
2008-12-31
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Kouvolankatu 9, 45100, Kouvola

Website: https://www.viihdykotkassa.fiSource observation

About Cashlender Oy

Financial position and key figures for the company.

Cashlender Oy's location municipality is Kouvola. It is a limited company. The company was established on 2009-01-23. It operates in the industry of restaurants and cafeterias. In its latest retained statement for 2026-05-31, revenue was €127,877 and operating profit was €30,673. The latest retained financial statement for 2026-05-31 shows revenue of €127,877 and profit for the financial year of €27,832. Based on the latest retained statement, revenue growth was +465.3%, operating margin was +24.0%, and equity ratio was +83.2%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2026-05-31

Imported periods2
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth465.3%
Operating margin24.0%
Equity ratio83.2%
Revenue€127,877+€105,254 (+465.3%) vs previous periodPrevious: €22,623
Operating profit (loss)€30,673+€33,265 (+1283.5%) vs previous periodPrevious: -€2,592
Profit (loss) for the financial year€27,832+€30,423 (+1173.9%) vs previous periodPrevious: -€2,592
Assets€120,031+€32,280 (+36.8%) vs previous periodPrevious: €87,751
Balance-sheet contextLatest financial period
Cash and bank€18,616Previous: €351
Retained earnings€69,542Previous: €81,133
Equity€99,873Previous: €81,042
Liabilities€20,158Previous: €6,710
Current assets€23,606Previous: €87,751
Current liabilities€20,158Previous: €6,710
Revenue trend2 periods
€22,623
2025-05-31
€127,877
2026-05-31
Operating profit (loss) trend2 periods
-€2,592
2025-05-31
€30,673
2026-05-31
Profit (loss) for the financial year trend2 periods
-€2,592
2025-05-31
€27,832
2026-05-31
Assets trend2 periods
€87,751
2025-05-31
€120,031
2026-05-31

Financial ratios

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

Equity ratioGood
100/100 · Declining
83.2 %2025-05-31: 92.3 %
Current ratioPassable
31/100 · Improving
0.92x2025-05-31: 0.05x
Operating profit marginGood
100/100 · Improving
24.0 %2025-05-31: -11.5 %
Ratio history
Ratio2025-05-312026-05-31
Equity ratio92.3 %83.2 %
Current ratio0.05x0.92x
Operating profit margin-11.5 %24.0 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID2242207-9
VAT IDFI22422079
EU IDFIFPRO.2242207-9
MunicipalityKouvola
Current registered entries
2009-01-07Registered in Tax Administration (Tax Administration)
2009-01-23Registered in Patent and Registration Office (Trade Register)
2009-02-01VAT-liable for business activity in Tax Administration (VAT Register)
2009-02-01Registered in Tax Administration (Prepayment 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
A3
GoodCashlender Oy
Grade upgradedB2 → A3 · new analysis 2026-11-01
Model score77/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
2 comparable periods
RevenueImproving
ProfitabilityImproving
SolvencyDeteriorating
LiquidityImproving
Peer comparisonSame industry, size and age groupDescriptive comparison – does not change the model score.
36 peers
Solvency75%
Better than 75% of peers
Profitability100%
Better than 100% of peers
Liquidity53%
Close to the peer-group midpoint
Revenue growth100%
Better than 100% 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.
2 observed filings
Latest registration lag125 days after period end
Typical registration lag145 days after period end
Annual continuity2 consecutive periods
Supporting factors
  • Strong equity ratio
  • Strong operating profitability
  • Active registered status
Risk factors to note
  • Weak current ratio
  • Elevated industry distress context
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
6 assessments
A3
2026-11-01 11:2377/100 · v0.15
B2 → A3 · +21 points
  • Evidence strengthened: a newer PRH/XBRL financial statement was added to the assessment (2026-05-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Usable financial evidence → Strong financial evidence.
B2
2026-10-1756/100 · v0.15
B2 → B2 · +1 points
B2
2026-09-18 04:3055/100 · v0.14
B2 → B2 · +1 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-05-31).
  • Evidence quality: Registry and statistical evidence → Usable financial evidence.
B2
2026-09-1454/100 · v0.14
Oldest retained automatic assessment in this comparison
Automatic model gradeA3
Automatic model snapshot2026-11-01
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 riskhigh
14/100

Industry context is high based on normalized open statistical inputs.

Age and continuityVakiintunut
80/100

The company has about 17 years of registry continuity.

Registry and status signalsVakaa
83/100

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
1 Nov 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → A3.
Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.
Financial statements registeredFinancialEvidence verified
3 Oct 2026 · PRH / KREKFINANCIAL STATEMENTS
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.
Financial statement availableFinancialEvidence verified
31 May 2026 · PRH / XBRLFinancial period ends 2026-05-31.

Registry timeline

Trade register notifications shown on a timeline.

19 register eventsLatest event: 2026-10-03

Financial statements availability

Available financial statement periods and PRH source filings.

2 financial statement periodsLatest financial period: 2026-05-31

Profile source and ownership

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

This company profile has not been claimed yet

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