Business profile

Culminatum Oy

Culminatum Oy's registered office is Borgå. It is a limited company. The company was established on 2001-10-05. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2025-12-31, revenue was €1,664,161 and operating profit was €33,090.

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Business ID 1724345-5ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
1724345-5
Sector
Other activities auxiliary to financial services, except insurance and pension funding
Municipality
Borgå
Company form
Limited company
Registration date
2001-10-05
Business ID registration date
2001-09-21
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Nordenskiöldinkatu 4, 06100, Borgå

Phone: +358400403046Source observation

Website: https://culminatum.fiSource observation

People and decision-makers

Hägglund Kaj MikaelVarsinainen jäsen
Hägglund Ann JeanetteVarajäsen
Christoffer AarnioPäävastuullinen tilintarkastaja

About Culminatum Oy

Financial position and key figures for the company.

Culminatum Oy's location municipality is Borgå. It is a limited company. The company was established on 2001-10-05. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2025-12-31, revenue was €1,664,161 and operating profit was €33,090. The latest retained financial statement for 2025-12-31 shows revenue of €1,664,161 and profit for the financial year of €126,634. Based on the latest retained statement, revenue growth was -22.3%, operating margin was +2.0%, and equity ratio was +100.0%.

Extended business activity

A longer directory- or registry-backed activity description that complements the short registry industry label.

Yhtiön toimialana on omistaa ja hallita kiinteää omaisuutta ja arvopapereita sekä käydä niillä kauppaa.

Financial highlights

Key figures from the latest financial period.

Latest financial period

2025-12-31

Imported periods0
PRH parsed0
Profile sourceEnriched source observation
Derived indicators
Revenue growth-22.3%
Operating margin2.0%
Equity ratio100.0%
Revenue€1,664,161-€478,809 (-22.3%) vs previous periodPrevious: €2,142,970
Operating profit (loss)€33,090-€175,380 (-84.1%) vs previous periodPrevious: €208,470
Profit (loss) for the financial year€126,634-€52,246 (-29.2%) vs previous periodPrevious: €178,880
Assets€10,496,000-€65,000 (-0.6%) vs previous periodPrevious: €10,561,000
Balance-sheet contextLatest financial period
Revenue trend5 periods
€678,000
2021-12-31
€1,025,572
2022-12-31
€2,542,799
2023-12-31
€2,142,970
2024-12-31
€1,664,161
2025-12-31
Operating profit (loss) trend5 periods
€5,310
2021-12-31
€16,971
2022-12-31
€279,170
2023-12-31
€208,470
2024-12-31
€33,090
2025-12-31
Profit (loss) for the financial year trend5 periods
-€15,600
2021-12-31
€1,877
2022-12-31
€225,351
2023-12-31
€178,880
2024-12-31
€126,634
2025-12-31
Assets trend5 periods
€11,062,000
2021-12-31
€10,914,352
2022-12-31
€11,038,749
2023-12-31
€10,561,000
2024-12-31
€10,496,000
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.

Equity ratioGood
100/100 · Improving
100.0 %2024-12-31: 99.6 %
Current ratioGood
100/100 · Improving
2513.00x2024-12-31: 59.20x
Operating profit marginPassable
55/100 · Declining
2.0 %2024-12-31: 9.7 %
Ratio history
Ratio2021-12-312022-12-312023-12-312024-12-312025-12-31
Equity ratio100.0 %100.0 %99.5 %99.6 %100.0 %
Current ratio5991.00x6606.00x58.60x59.20x2513.00x
Operating profit margin0.8 %1.7 %11.0 %9.7 %2.0 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID1724345-5
EU IDFIFPRO.1724345-5
MunicipalityBorgå
Current registered entries
2001-10-05Registered in Tax Administration (Tax Administration)
2001-10-05Registered in Patent and Registration Office (Trade Register)

Responsible people

Public role relationships materialized from source observations.

Hägglund Kaj MikaelVarsinainen jäsenSources: 4 · Confidence: 78%
Hägglund Ann JeanetteVarajäsenSources: 2 · Confidence: 78%
Christoffer AarnioPäävastuullinen tilintarkastajaSources: 1 · Confidence: 76%

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
A3
GoodCulminatum Oy
Grade unchangedA3 · new analysis 2026-10-17
Model score78/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
4 comparable periods
RevenueDeteriorating · 2 consecutive periods
ProfitabilityDeteriorating
SolvencyStable
LiquidityImproving · 2 consecutive periods
Peer comparisonSame industryDescriptive comparison – does not change the model score.
98 peers
Solvency97%
Better than 97% of peers
Profitability57%
Better than 57% of peers
Liquidity100%
Better than 100% of peers
Revenue growth15%
Below 85% of peers
Supporting factors
  • Strong equity ratio
  • Healthy short-term liquidity
  • Active registered status
Risk factors to note
  • Coordinated deterioration across 2 financial domains
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessments
A3
2026-10-1778/100 · v0.15
A3 → A3 · +4 points
  • Revenue: Not enough history → Deteriorating
  • Profitability: Not enough history → Deteriorating
  • Solvency: Not enough history → Stable
A3
2026-09-2074/100 · v0.14
Oldest retained automatic assessment in this comparison
Automatic model gradeA3
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
88/100

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

Age and continuityVakiintunut
90/100

The company has about 25 years of registry continuity.

Registry and status signalsVakaa
77/100

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
20 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.

Registry timeline

Trade register notifications shown on a timeline.

18 register eventsLatest event: 2026-06-09

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

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