Business profile

Finanssineliö Oy

Finanssineliö Oy's registered office is Saarijärvi. It is a limited company. The company was established on 2015-01-14. It operates in the industry of rental and operating of own or leased non-residential real estate. In its latest retained statement for 2025-12-31, revenue was €475,193 and operating profit was -€96,420.

Claim profileContact details
Business ID 2661424-6ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
2661424-6
Sector
Rental and operating of own or leased non-residential real estate
Municipality
Saarijärvi
Company form
Limited company
Registration date
2015-01-14
Business ID registration date
2014-12-18
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Jyväskyläntie 31, 43100, Saarijärvi

About Finanssineliö Oy

Financial position and key figures for the company.

Finanssineliö Oy's location municipality is Saarijärvi. It is a limited company. The company was established on 2015-01-14. It operates in the industry of rental and operating of own or leased non-residential real estate. In its latest retained statement for 2025-12-31, revenue was €475,193 and operating profit was -€96,420. The latest retained financial statement for 2025-12-31 shows revenue of €475,193 and profit for the financial year of -€50,443. Based on the latest retained statement, revenue growth was +9.1%, operating margin was -20.3%, and equity ratio was +48.1%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods4
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth9.1%
Operating margin-20.3%
Equity ratio48.1%
Revenue€475,193+€39,548 (+9.1%) vs previous periodPrevious: €435,645
Operating profit (loss)-€96,420-€287,368 (-150.5%) vs previous periodPrevious: €190,948
Profit (loss) for the financial year-€50,443-€492,593 (-111.4%) vs previous periodPrevious: €442,150
Assets€4,542,931-€247,644 (-5.2%) vs previous periodPrevious: €4,790,575
Balance-sheet contextLatest financial period
Other operating income€13,938Previous: €251,201
Cash and bank€80,407Previous: €494,833
Advances received€4,058Previous: €2,870
Retained earnings€2,229,702Previous: €1,985,952
Equity€2,183,258Previous: €2,432,102
Liabilities€2,359,672Previous: €2,358,473
Current assets€1,674,193Previous: €1,921,752
Current liabilities€491,929Previous: €318,503
Revenue trend2 periods
€435,645
2024-12-31
€475,193
2025-12-31
Operating profit (loss) trend2 periods
€190,948
2024-12-31
-€96,420
2025-12-31
Profit (loss) for the financial year trend2 periods
€442,150
2024-12-31
-€50,443
2025-12-31
Assets trend2 periods
€4,790,575
2024-12-31
€4,542,931
2025-12-31

Financial ratios

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

Equity ratioSatisfactory
60/100 · Declining
48.1 %2024-12-31: 50.8 %
Current ratioWeak
5/100 · Declining
0.16x2024-12-31: 1.55x
Operating profit marginWeak
1/100 · Declining
-19.7 %2024-12-31: 27.8 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio50.8 %48.1 %
Current ratio1.55x0.16x
Operating profit margin27.8 %-19.7 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID2661424-6
VAT IDFI26614246
EU IDFIFPRO.2661424-6
MunicipalitySaarijärvi
Current registered entries
2014-12-18VAT-obliged for the transfer of rights to use immovable property in Tax Administration (VAT Register)
2014-12-18Registered in Tax Administration (Prepayment Register)
2015-01-14Registered in Patent and Registration Office (Trade Register)
2015-01-29Registered in Tax Administration (Tax Administration)
2015-02-24VAT-liable for business activity in Tax Administration (VAT 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
StableFinanssineliö Oy
Grade unchangedB1 · new analysis 2026-10-17
Model score64/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
3 comparable periods
RevenueStable
ProfitabilityDeteriorating
SolvencyStable
LiquidityDeteriorating
Peer comparisonSame industry, size and age groupDescriptive comparison – does not change the model score.
89 peers
Solvency45%
Below 55% of peers
Profitability1%
Below 99% of peers
Liquidity40%
Below 60% of peers
Revenue growth76%
Better than 76% of peers
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings
Latest registration lag114 days after period end
Typical registration lag123 days after period end
Annual continuity4 consecutive periods
Supporting factors
  • Strong equity ratio
  • Active registered status
  • A newer financial statement filing has been reported
Risk factors to note
  • Weak current ratio
  • Negative profitability or net result
  • Coordinated deterioration across 2 financial domains
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
B1
2026-10-1764/100 · v0.15
B1 → B1
B1
2026-09-18 22:0564/100 · v0.14
A3 → B1 · -8 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
A3
2026-09-1472/100 · v0.14
A3 → A3
A3
2026-09-1472/100 · v0.13
Oldest retained automatic assessment in this comparison
Automatic model gradeB1
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 continuityVakiintunut
80/100

The company has about 11 years of registry continuity.

Registry and status signalsVakaa
83/100

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 B1.
Risk grade updatedRisk gradeEvidence verified
18 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → B1.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.

Registry timeline

Trade register notifications shown on a timeline.

18 register eventsLatest event: 2026-05-17

Financial statements availability

Available financial statement periods and PRH source filings.

4 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 2025-12-31.

This company profile has not been claimed yet

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