Risk grade updatedRisk gradeEvidence verified
9 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
Elpama Oy
Elpama Oy's registered office is Oulu. It is a limited company. The company was established on 2020-02-06. It operates in the industry of buying and selling of own real estate. In its latest retained statement for 2025-10-31, revenue was €23,380 and operating profit was -€7,593.
Business ID 3116692-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3116692-7
- Sector
- Buying and selling of own real estate
- Municipality
- Oulu
- Company form
- Limited company
- Registration date
- 2020-02-06
- Business ID registration date
- 2020-02-04
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kaarretie 5 C 2, 90500, Oulu
People and decision-makers
Hyvärinen Jouko KaleviToimitusjohtaja
About Elpama Oy
Financial position and key figures for the company.
Elpama Oy's location municipality is Oulu. It is a limited company. The company was established on 2020-02-06. It operates in the industry of buying and selling of own real estate. In its latest retained statement for 2025-10-31, revenue was €23,380 and operating profit was -€7,593. The latest retained financial statement for 2025-10-31 shows revenue of €23,380 and profit for the financial year of -€8,493. Based on the latest retained statement, revenue growth was -2.6%, operating margin was -32.5%, and equity ratio was +98.6%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-10-31
0
0
Enriched source observation
Derived indicators
Revenue growth-2.6%
Operating margin-32.5%
Equity ratio98.6%
Revenue€23,380-€617 (-2.6%) vs previous periodPrevious: €23,997
Operating profit (loss)-€7,593-€5,590 (-279.1%) vs previous periodPrevious: -€2,003
Profit (loss) for the financial year-€8,493-€6,315 (-289.9%) vs previous periodPrevious: -€2,178
Assets€185,696-€7,777 (-4.0%) vs previous periodPrevious: €193,473
Balance-sheet contextLatest financial period
Revenue trend5 periods
€119,504
2021-10-31
€125,687
2022-10-31
€9,155
2023-10-31
€23,997
2024-10-31
€23,380
2025-10-31
Operating profit (loss) trend5 periods
€12,619
2021-10-31
€24,914
2022-10-31
-€2,689
2023-10-31
-€2,003
2024-10-31
-€7,593
2025-10-31
Profit (loss) for the financial year trend5 periods
€9,965
2021-10-31
€19,914
2022-10-31
-€2,733
2023-10-31
-€2,178
2024-10-31
-€8,493
2025-10-31
Assets trend5 periods
€194,942
2021-10-31
€201,428
2022-10-31
€205,364
2023-10-31
€193,473
2024-10-31
€185,696
2025-10-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginWeak
0/100 · Declining
Ratio history
| Ratio | 2021-10-31 | 2022-10-31 | 2023-10-31 | 2024-10-31 | 2025-10-31 |
|---|---|---|---|---|---|
| Equity ratio | 98.4 % | 97.5 % | 94.3 % | 99.0 % | 98.6 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | 10.6 % | 19.8 % | -29.4 % | -8.3 % | -32.5 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3116692-7
EU IDFIFPRO.3116692-7
MunicipalityOulu
Current registered entries
2020-02-06Registered in Tax Administration (Tax Administration)
2020-02-06Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Hyvärinen Jouko KaleviToimitusjohtajaSources: 3 · Confidence: 78%
Hyvärinen Jouko KaleviVarsinainen jäsenSources: 2 · Confidence: 78%
Milla HyvärinenHallitus: varajäsenSources: 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
B2
SatisfactoryElpama Oy
59/100
Medium
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsRevenueImproving
ProfitabilityVolatile
SolvencyStable
LiquidityNot enough history
Same size nationallyDescriptive comparison – does not change the model score.
150 peersSolvency80%
Better than 80% of peers
Profitability16%
Below 84% of peers
Revenue growth38%
Below 62% of peers
Supporting factors
- Strong equity ratio
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
- Negative profitability or net result
- Losses in the latest and previous available periods
B2
2026-10-09
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 riskmedium
53/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 6 years of registry continuity.
Registry and status signalsRajallinen
50/100
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.
Registry timeline
Trade register notifications shown on a timeline.
8 register eventsLatest event: 2026-01-22
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
Elpama Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.