Risk grade updatedRisk gradeEvidence verified
1 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → B1.Business profile
Credmas Oy
Credmas Oy's registered office is Jyväskylä. It is a limited company. The company was established on 2022-11-24. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-09-30, revenue was €13,772 and operating profit was -€4,717.
Business ID 3326892-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3326892-7
- Sector
- Business and other management consultancy activities
- Municipality
- Jyväskylä
- Company form
- Limited company
- Registration date
- 2022-11-24
- Business ID registration date
- 2022-11-22
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Puistokatu 25 A 21, 40200, Jyväskylä
Website: https://credmas.comSource observation
About Credmas Oy
Financial position and key figures for the company.
Credmas Oy's location municipality is Jyväskylä. It is a limited company. The company was established on 2022-11-24. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-09-30, revenue was €13,772 and operating profit was -€4,717. The latest retained financial statement for 2025-09-30 shows revenue of €13,772 and profit for the financial year of -€4,347. Based on the latest retained statement, revenue growth was -9.4%, operating margin was -34.3%, and equity ratio was +83.3%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-09-30
3
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-9.4%
Operating margin-34.3%
Equity ratio83.3%
Balance-sheet contextLatest financial period
Other operating income€1,858Previous: €1,364
Cash and bank€3,854Previous: €2,785
Retained earnings-€10,763Previous: -€2,245
Equity€5,890Previous: €4,238
Liabilities€1,183Previous: €1,315
Current assets€7,074Previous: €5,552
Current liabilities€1,183Previous: €1,315
Revenue trend2 periods
€15,197
2024-09-30
€13,772
2025-09-30
Operating profit (loss) trend2 periods
-€8,564
2024-09-30
-€4,717
2025-09-30
Profit (loss) for the financial year trend2 periods
-€8,518
2024-09-30
-€4,347
2025-09-30
Assets trend2 periods
€5,552
2024-09-30
€7,074
2025-09-30
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 marginWeak
0/100 · Improving
Ratio history
| Ratio | 2024-09-30 | 2025-09-30 |
|---|---|---|
| Equity ratio | 76.3 % | 83.3 % |
| Current ratio | 2.12x | 3.26x |
| Operating profit margin | -51.7 % | -30.2 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3326892-7
VAT IDFI33268927
EU IDFIFPRO.3326892-7
MunicipalityJyväskylä
Current registered entries
2022-11-22VAT-liable for business activity in Tax Administration (VAT Register)
2022-11-22Registered in Tax Administration (Prepayment Register)
2022-11-24Registered in Tax Administration (Tax Administration)
2022-11-24Registered in Patent and Registration Office (Trade 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
StableCredmas Oy
Grade upgradedB2 → B1 · new analysis 2026-10-01
63/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueStable
ProfitabilityImproving
SolvencyImproving
LiquidityImproving
Same size nationallyDescriptive comparison – does not change the model score.
300 peersSolvency69%
Better than 69% of peers
Profitability21%
Below 79% of peers
Liquidity80%
Better than 80% of peers
Revenue growth30%
Below 70% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings39 days after period end
74 days after period end
3 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Negative profitability or net result
- Losses in the latest and previous available periods
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsB1
2026-10-01 18:0363/100 · v0.14
B2 → B1 · +7 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-09-30).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B2
2026-09-1556/100 · v0.14
B2 → B2- 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
2026-09-1456/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
2026-10-01
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 continuityNuori
35/100
The company has about 3 years of registry continuity.
Registry and status signalsRajallinen
46/100
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 B2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
6 register eventsLatest event: 2025-11-08
Financial statements availability
Available financial statement periods and PRH source filings.
3 financial statement periodsLatest financial period: 2025-09-30
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
Credmas Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.