Risk grade updatedRisk gradeEvidence verified
29 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A2.Business profile
Charta Pecunia Oy
Charta Pecunia Oy's registered office is Esbo. It is a limited company. The company was established on 2019-09-30. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €1,072 and operating profit was €776.
Business ID 3020514-6ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3020514-6
- Sector
- Business and other management consultancy activities
- Municipality
- Esbo
- Company form
- Limited company
- Registration date
- 2019-09-30
- Business ID registration date
- 2019-08-26
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Stenbackantie 4 B 2, 02780, Esbo
Phone: +358505177662Source observation
Website: https://pecunia.fiSource observation
People and decision-makers
Cavenius René Jorma SamuliToimitusjohtaja
About Charta Pecunia Oy
Financial position and key figures for the company.
Charta Pecunia Oy's location municipality is Esbo. It is a limited company. The company was established on 2019-09-30. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €1,072 and operating profit was €776. The latest retained financial statement for 2025-12-31 shows revenue of €1,072 and profit for the financial year of €776. Based on the latest retained statement, revenue growth was +176.0%, operating margin was +100.0%, and equity ratio was +66.7%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Kaikki laillinen liiketoiminta
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
6
2
Combined source
Derived indicators
Revenue growth176.0%
Operating margin100.0%
Equity ratio66.7%
Balance-sheet contextLatest financial period
Cash and bank€1,983Previous: €934
Retained earnings€704Previous: €564
Profit before taxes€775Previous: €176
Equity€1,480Previous: €704
Liabilities€503Previous: €230
Current assets€1,983Previous: €934
Current liabilities€503Previous: €230
Employees5Previous: No comparison value
Revenue trend5 periods
€0
2021-12-31
€0
2022-12-31
€0
2023-12-31
€389
2024-12-31
€1,072
2025-12-31
Operating profit (loss) trend5 periods
-€634
2021-12-31
-€647
2022-12-31
-€522
2023-12-31
€177
2024-12-31
€776
2025-12-31
Profit (loss) for the financial year trend5 periods
-€631
2021-12-31
-€667
2022-12-31
-€521
2023-12-31
€140
2024-12-31
€776
2025-12-31
Assets trend5 periods
€1,854
2021-12-31
€1,186
2022-12-31
€664
2023-12-31
€934
2024-12-31
€1,983
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioGood
83/100 · Declining
Current ratioGood
67/100 · Declining
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 100.0 % | 91.6 % | 84.9 % | 75.5 % | 66.7 % |
| Current ratio | 0.00x | 11.80x | 6.64x | 4.08x | 2.00x |
| Operating profit margin | 0.0 % | 0.0 % | 0.0 % | 45.4 % | 100.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3020514-6
EU IDFIFPRO.3020514-6
MunicipalityEsbo
Current registered entries
2019-09-30Registered in Tax Administration (Tax Administration)
2019-09-30Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Cavenius René Jorma SamuliToimitusjohtajaSources: 3 · Confidence: 78%
Cavenius Jorma AnteroVarajäsenSources: 2 · Confidence: 78%
Jekkonen-Cavenius Kirsi-Marja KaarinaVarajäsenSources: 2 · Confidence: 78%
Jorma SamuliHallituksen jäsenSources: 1 · Confidence: 74%
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 goodCharta Pecunia Oy
Grade upgradedB1 → A2 · new analysis 2026-09-29
87/100
High
Strong financial evidenceFinancial data included
Several key financial indicators show coordinated recovery.
3 comparable periodsRevenueImproving
ProfitabilityImproving
SolvencyStable
LiquidityStable
Same size nationallyDescriptive comparison – does not change the model score.
103 peersSolvency65%
Better than 65% of peers
Profitability96%
Better than 96% of peers
Liquidity87%
Better than 87% of peers
Revenue growth96%
Better than 96% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings115 days after period end
112 days after period end
4 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.
4 assessmentsA2
2026-09-29 07:1187/100 · v0.14
B1 → A2 · +22 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1565/100 · v0.14
B2 → B1 · +6 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.
B2
2026-09-1459/100 · v0.12
Oldest retained automatic assessment in this comparisonA2
2026-09-29
open-risk-grade-v0.14
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 continuityHyvä
60/100
The company has about 7 years of registry continuity.
Registry and status signalsSeurattava
56/100
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 B1.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
10 register eventsLatest event: 2026-04-25
Financial statements availability
Available financial statement periods and PRH source filings.
6 financial statement periodsLatest financial period: 2025-12-31
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
Charta Pecunia Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.