Risk grade updatedRisk gradeEvidence verified
28 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → A2.Business profile
Charmi-Kaluste Oy
Charmi-Kaluste Oy's registered office is Tampere. It is a limited company. The company was established on 1992-04-15. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-11-30, revenue was €118,781 and operating profit was €23,510.
Business ID 0874148-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0874148-7
- Sector
- Business and other management consultancy activities
- Municipality
- Tampere
- Company form
- Limited company
- Registration date
- 1992-04-15
- Business ID registration date
- 1992-02-07
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Pukinekatu 6, 33730, Tampere
About Charmi-Kaluste Oy
Financial position and key figures for the company.
Charmi-Kaluste Oy's location municipality is Tampere. It is a limited company. The company was established on 1992-04-15. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-11-30, revenue was €118,781 and operating profit was €23,510. The latest retained financial statement for 2025-11-30 shows revenue of €118,781 and profit for the financial year of €18,882. Based on the latest retained statement, revenue growth was +17.3%, operating margin was +19.8%, and equity ratio was +91.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-11-30
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth17.3%
Operating margin19.8%
Equity ratio91.9%
Balance-sheet contextLatest financial period
Inventory€10,850Previous: €8,950
Cash and bank€39,220Previous: €18,075
Retained earnings€29,355Previous: €28,497
Equity€50,760Previous: €34,650
Liabilities€4,502Previous: €4,374
Current assets€55,263Previous: €38,733
Current liabilities€4,502Previous: €4,374
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Improving
Current ratioGood
100/100 · Improving
Operating profit marginGood
99/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0874148-7
VAT IDFI08741487
EU IDFIFPRO.0874148-7
MunicipalityTampere
Current registered entries
1992-02-07Registered in Tax Administration (Tax Administration)
1992-04-15Registered in Patent and Registration Office (Trade Register)
2001-11-01VAT-liable for business activity in Tax Administration (VAT Register)
2001-12-01Registered in Tax Administration (Employer Register)
2002-01-23Registered 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
A2
Very goodCharmi-Kaluste Oy
Grade unchangedA2 · new analysis 2026-10-18
88/100
Medium
Usable financial evidenceFinancial data included
Same industryDescriptive comparison – does not change the model score.
107 peersSolvency78%
Better than 78% of peers
Profitability69%
Better than 69% of peers
Liquidity89%
Better than 89% of peers
Limited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings108 days after period end
108 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Healthy short-term liquidity
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA2
2026-10-1888/100 · v0.15
A2 → A2A2
2026-09-28 09:5988/100 · v0.14
A3 → A2 · +15 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-11-30).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
A3
2026-09-1573/100 · v0.14
B1 → A3 · +9 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
2026-09-1464/100 · v0.12
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 risklow
72/100
Industry context is low based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 34 years of registry continuity.
Registry and status signalsVakaa
85/100
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
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
23 register eventsLatest event: 2026-03-18
Financial statements availability
Available financial statement periods and PRH source filings.
1 financial statement periodsLatest financial period: 2025-11-30
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
Charmi-Kaluste Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.