Business profile

Finansio Oy

Finansio Oy's registered office is Kemijärvi. It is a limited company. The company was established on 2020-07-09. It operates in the industry of accounting and bookkeeping activities; tax consultancy.

Business ID 3144710-4ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3144710-4
Sector
Accounting and bookkeeping activities; tax consultancy
Municipality
Kemijärvi
Company form
Limited company
Registration date
2020-07-09
Business ID registration date
2020-07-01
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Poromiehentie 30, 98100, Kemijärvi

Website: https://www.finansio.fiSource observation

About Finansio Oy

Financial position and key figures for the company.

Finansio Oy's location municipality is Kemijärvi. It is a limited company. The company was established on 2020-07-09. It operates in the industry of accounting and bookkeeping activities; tax consultancy. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +2.0%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods5
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Equity ratio2.0%
Operating profit (loss)€972-€109 (-10.1%) vs previous periodPrevious: €1,081
Profit (loss) for the financial year€29-€105 (-78.2%) vs previous periodPrevious: €134
Assets€7,415-€2,229 (-23.1%) vs previous periodPrevious: €9,644
Balance-sheet contextLatest financial period
Cash and bank€1,242Previous: €142
Retained earnings€280Previous: €321
Equity€145Previous: €350
Liabilities€7,270Previous: €9,293
Current assets€7,281Previous: €8,858
Current liabilities€7,270Previous: €6,863
Operating profit (loss) trend2 periods
€1,081
2024-12-31
€972
2025-12-31
Profit (loss) for the financial year trend2 periods
€134
2024-12-31
€29
2025-12-31
Assets trend2 periods
€9,644
2024-12-31
€7,415
2025-12-31

Financial ratios

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

Equity ratioWeak
2/100 · Declining
2.0 %2024-12-31: 3.6 %
Current ratioWeak
6/100 · Improving
0.17x2024-12-31: 0.02x
Operating profit marginNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Ratio history
Ratio2024-12-312025-12-31
Equity ratio3.6 %2.0 %
Current ratio0.02x0.17x
Operating profit margin--

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3144710-4
VAT IDFI31447104
EU IDFIFPRO.3144710-4
MunicipalityKemijärvi
Current registered entries
2020-07-01VAT-liable for business activity in Tax Administration (VAT Register)
2020-07-01Registered in Tax Administration (Prepayment Register)
2020-07-09Registered in Tax Administration (Tax Administration)
2020-07-09Registered 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
B3
MonitorFinansio Oy
Grade downgradedB1 → B3 · new analysis 2026-09-24
Model score48/100
Assessment confidenceMedium
Evidence qualityUsable financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
3 comparable periods
RevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
LiquidityStable
Peer comparisonSame size nationallyDescriptive comparison – does not change the model score.
97 peers
Solvency16%
Below 84% of peers
Liquidity43%
Below 57% 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.
4 observed filings
Latest registration lag41 days after period end
Typical registration lag149 days after period end
Annual continuity4 consecutive periods
Supporting factors
  • Active registered status
  • A newer financial statement filing has been reported
  • Lower industry distress context
Risk factors to note
  • Weak current ratio
  • High balance-sheet leverage
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessments
B3
2026-09-24 19:3148/100 · v0.14
B1 → B3 · -18 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
  • Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1566/100 · v0.14
B1 → B1 · +5 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
2026-09-1461/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB3
Automatic model snapshot2026-09-24
Automatic model versionopen-risk-grade-v0.14
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
85/100

Industry context is low based on normalized open statistical inputs.

Age and continuityHyvä
60/100

The company has about 6 years of registry continuity.

Registry and status signalsSeurattava
58/100

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
24 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B3.
Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.

Registry timeline

Trade register notifications shown on a timeline.

9 register eventsLatest event: 2026-02-16

Financial statements availability

Available financial statement periods and PRH source filings.

5 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 2026-02-16.

This company profile has not been claimed yet

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