Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
Co Heidi Sivonen Oy
Co Heidi Sivonen Oy's registered office is Vanda. It is a limited company. The company was established on 2021-04-01. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-11-30, revenue was €214,784 and operating profit was €193,531.
Business ID 3161231-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3161231-7
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Vanda
- Company form
- Limited company
- Registration date
- 2021-04-01
- Business ID registration date
- 2020-09-24
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kuovirinne 13 A, 01510, Vanda
About Co Heidi Sivonen Oy
Financial position and key figures for the company.
Co Heidi Sivonen Oy's location municipality is Vanda. It is a limited company. The company was established on 2021-04-01. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-11-30, revenue was €214,784 and operating profit was €193,531. The latest retained financial statement for 2025-11-30 shows revenue of €214,784 and profit for the financial year of €156,232. Based on the latest retained statement, revenue growth was -30.2%, operating margin was +90.1%, and equity ratio was +98.5%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-11-30
5
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-30.2%
Operating margin90.1%
Equity ratio98.5%
Balance-sheet contextLatest financial period
Inventory€1,875,453Previous: €1,885,557
Cash and bank€148,992Previous: €190,689
Retained earnings€380,382Previous: €371,191
Equity€2,317,636Previous: €2,311,404
Liabilities€36,469Previous: €43,302
Current assets€2,035,120Previous: €2,084,040
Current liabilities€6,469Previous: €13,302
Revenue trend2 periods
€307,524
2024-11-30
€214,784
2025-11-30
Operating profit (loss) trend2 periods
€192,342
2024-11-30
€193,531
2025-11-30
Profit (loss) for the financial year trend2 periods
€159,191
2024-11-30
€156,232
2025-11-30
Assets trend2 periods
€2,354,706
2024-11-30
€2,354,105
2025-11-30
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
100/100 · Improving
Ratio history
| Ratio | 2024-11-30 | 2025-11-30 |
|---|---|---|
| Equity ratio | 98.2 % | 98.5 % |
| Current ratio | 156.09x | 312.93x |
| Operating profit margin | 62.5 % | 90.1 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3161231-7
EU IDFIFPRO.3161231-7
MunicipalityVanda
Current registered entries
2021-04-01Registered in Patent and Registration Office (Trade Register)
2021-04-06Registered in Tax Administration (Tax Administration)
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 goodCo Heidi Sivonen Oy
Grade unchangedA2 · new analysis 2026-10-17
81/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsProfitabilityImproving
SolvencyStable
LiquidityImproving
Same industry and sizeDescriptive comparison – does not change the model score.
65 peersSolvency86%
Better than 86% of peers
Profitability94%
Better than 94% of peers
Liquidity91%
Better than 91% of peers
Revenue growth15%
Below 85% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings93 days after period end
78 days after period end
4 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Healthy short-term liquidity
Risk factors to note
- Sharp year-over-year revenue drop
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA2
2026-10-1781/100 · v0.15
A2 → A2A2
2026-10-01 16:1081/100 · v0.14
B1 → A2 · +16 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-11-30).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1565/100 · v0.14
B1 → B1 · +4 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 comparisonA2
2026-10-17
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 riskvery low
89/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 5 years of registry continuity.
Registry and status signalsRajallinen
48/100
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 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A2.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.
9 register eventsLatest event: 2026-03-03
Financial statements availability
Available financial statement periods and PRH source filings.
5 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
Co Heidi Sivonen Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.