Business profile

E.P Insurance Oy

E.P Insurance Oy's registered office is Turku. It is a limited company. The company was established on 2024-04-27. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2026-04-30, revenue was €116,350 and operating profit was €14,892.

Claim profileContact details
Business ID 3443417-3ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3443417-3
Sector
Activities of insurance agents and brokers
Municipality
Turku
Company form
Limited company
Registration date
2024-04-27
Business ID registration date
2024-04-19
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Ketarantie 29 A 5, 20100, Turku

About E.P Insurance Oy

Financial position and key figures for the company.

E.P Insurance Oy's location municipality is Turku. It is a limited company. The company was established on 2024-04-27. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2026-04-30, revenue was €116,350 and operating profit was €14,892. The latest retained financial statement for 2026-04-30 shows revenue of €116,350 and profit for the financial year of €11,755. Based on the latest retained statement, revenue growth was +366.4%, operating margin was +12.8%, and equity ratio was +73.4%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2026-04-30

Imported periods2
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth366.4%
Operating margin12.8%
Equity ratio73.4%
Revenue€116,350+€91,405 (+366.4%) vs previous periodPrevious: €24,945
Operating profit (loss)€14,892+€13,283 (+825.8%) vs previous periodPrevious: €1,609
Profit (loss) for the financial year€11,755+€10,523 (+854.3%) vs previous periodPrevious: €1,232
Assets€17,681+€14,924 (+541.3%) vs previous periodPrevious: €2,757
Balance-sheet contextLatest financial period
Cash and bank€1,786Previous: €2,756
Retained earnings€1,232Previous: €0
Equity€12,986Previous: €1,232
Liabilities€4,695Previous: €1,525
Current assets€17,681Previous: €2,757
Current liabilities€4,695Previous: €1,525
Revenue trend2 periods
€24,945
2025-04-30
€116,350
2026-04-30
Operating profit (loss) trend2 periods
€1,609
2025-04-30
€14,892
2026-04-30
Profit (loss) for the financial year trend2 periods
€1,232
2025-04-30
€11,755
2026-04-30
Assets trend2 periods
€2,757
2025-04-30
€17,681
2026-04-30

Financial ratios

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

Equity ratioGood
92/100 · Improving
73.5 %2025-04-30: 44.7 %
Current ratioWeak
13/100 · Declining
0.38x2025-04-30: 1.81x
Operating profit marginGood
82/100 · Improving
12.8 %2025-04-30: 6.5 %
Ratio history
Ratio2025-04-302026-04-30
Equity ratio44.7 %73.5 %
Current ratio1.81x0.38x
Operating profit margin6.5 %12.8 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3443417-3
EU IDFIFPRO.3443417-3
MunicipalityTurku
Current registered entries
2024-04-27Registered in Patent and Registration Office (Trade Register)
2024-04-29Registered in Tax Administration (Tax Administration)
2024-06-12Registered in Tax Administration (Prepayment 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
A3
GoodE.P Insurance Oy
Grade unchangedA3 · new analysis 2026-10-17
Model score73/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
2 comparable periods
RevenueImproving
ProfitabilityImproving
SolvencyImproving
LiquidityDeteriorating
Peer comparisonSame industry and sizeDescriptive comparison – does not change the model score.
59 peers
Solvency49%
Close to the peer-group midpoint
Profitability42%
Below 58% of peers
Liquidity51%
Close to the peer-group midpoint
Revenue growth93%
Better than 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 lag56 days after period end
Typical registration lag171 days after period end
Annual continuity2 consecutive periods
Supporting factors
  • Strong equity ratio
  • Strong operating profitability
  • Active registered status
Risk factors to note
  • Weak current ratio
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
A3
2026-10-1773/100 · v0.15
A3 → A3
A3
2026-10-06 04:2773/100 · v0.14
B2 → A3 · +23 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-04-30).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B2
2026-09-1550/100 · v0.14
B2 → B2 · -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.
B2
2026-09-1454/100 · v0.12
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 risklow
77/100

Industry context is low based on normalized open statistical inputs.

Age and continuityNuori
15/100

The company has about 2 years of registry continuity.

Registry and status signalsRajallinen
34/100

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 A3.
Risk grade updatedRisk gradeEvidence verified
6 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → A3.
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.

3 register eventsLatest event: 2026-02-10

Financial statements availability

Available financial statement periods and PRH source filings.

2 financial statement periodsLatest financial period: 2026-04-30

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-03.

This company profile has not been claimed yet

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