Business profile

CreditLine Finland Oy

CreditLine Finland Oy's registered office is Lahti. It is a limited company. The company was established on 2015-07-27. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €366 and operating profit was €15,395.

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Business ID 2701326-6ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
2701326-6
Sector
Other financial service activities, except insurance and pension funding n.e.c.
Municipality
Lahti
Company form
Limited company
Registration date
2015-07-27
Business ID registration date
2015-07-20
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Timonkatu 6 A 11, 15240, Lahti

Postal address: Pollarikatu 3 A 34, 15140, Lahti

About CreditLine Finland Oy

Financial position and key figures for the company.

CreditLine Finland Oy's location municipality is Lahti. It is a limited company. The company was established on 2015-07-27. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €366 and operating profit was €15,395. The latest retained financial statement for 2025-12-31 shows revenue of €366 and profit for the financial year of €7,940. Based on the latest retained statement, revenue growth was -72.5%, operating margin was +4206.2%, and equity ratio was +30.1%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods2
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-72.5%
Operating margin4206.2%
Equity ratio30.1%
Revenue€366-€966 (-72.5%) vs previous periodPrevious: €1,332
Operating profit (loss)€15,395+€158 (+1.0%) vs previous periodPrevious: €15,237
Profit (loss) for the financial year€7,940-€5,268 (-39.9%) vs previous periodPrevious: €13,209
Assets€378,085+€87,178 (+30.0%) vs previous periodPrevious: €290,908
Balance-sheet contextLatest financial period
Other operating income€36,322Previous: €29,335
Cash and bank€3,117Previous: €2,243
Retained earnings€75,329Previous: €64,823
Equity€113,769Previous: €108,532
Liabilities€264,316Previous: €182,376
Current assets€4,871Previous: €3,143
Current liabilities€262,794Previous: €180,796
Revenue trend2 periods
€1,332
2024-12-31
€366
2025-12-31
Operating profit (loss) trend2 periods
€15,237
2024-12-31
€15,395
2025-12-31
Profit (loss) for the financial year trend2 periods
€13,209
2024-12-31
€7,940
2025-12-31
Assets trend2 periods
€290,908
2024-12-31
€378,085
2025-12-31

Financial ratios

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

Equity ratioSatisfactory
38/100 · Declining
30.1 %2024-12-31: 37.3 %
Current ratioWeak
0/100 · Stable
0.01x2024-12-31: 0.01x
Operating profit marginGood
100/100 · Declining
42.0 %2024-12-31: 49.7 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio37.3 %30.1 %
Current ratio0.01x0.01x
Operating profit margin49.7 %42.0 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID2701326-6
VAT IDFI27013266
EU IDFIFPRO.2701326-6
MunicipalityLahti
Current registered entries
2015-07-20Registered in Tax Administration (Prepayment Register)
2015-07-27Registered in Tax Administration (Tax Administration)
2015-07-27Registered in Patent and Registration Office (Trade Register)
2016-01-01VAT-liable for business activity in Tax Administration (VAT 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
B1
StableCreditLine Finland Oy
Grade unchangedB1 · new analysis 2026-10-17
Model score67/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
2 comparable periods
RevenueDeteriorating
ProfitabilityDeteriorating
SolvencyDeteriorating
LiquidityStable
Peer comparisonSame industryDescriptive comparison – does not change the model score.
82 peers
Solvency30%
Below 70% of peers
Profitability95%
Better than 95% of peers
Liquidity29%
Below 71% of peers
Revenue growth7%
Below 93% of peers
Financial statement reporting patternMixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings
Latest registration lag85 days after period end
Typical registration lag187 days after period end
Annual continuity2 consecutive periods
Supporting factors
  • Strong operating profitability
  • Company context reduces the weight of an isolated financial signal
  • Active registered status
Risk factors to note
  • Weak current ratio
  • Sharp year-over-year revenue drop
  • Coordinated deterioration across 3 financial domains
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
B1
2026-10-1767/100 · v0.15
B1 → B1
B1
2026-09-24 11:4367/100 · v0.14
A3 → B1 · -8 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.
A3
2026-09-1575/100 · v0.14
B1 → A3 · +10 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
2026-09-1465/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB1
Automatic model snapshot2026-10-17
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 riskvery low
89/100

Industry context is very low based on normalized open statistical inputs.

Age and continuityVakiintunut
80/100

The company has about 11 years of registry continuity.

Registry and status signalsVakaa
78/100

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
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.
Risk grade updatedRisk gradeEvidence verified
24 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → B1.
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.

15 register eventsLatest event: 2026-03-26

Financial statements availability

Available financial statement periods and PRH source filings.

2 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

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