Risk grade updatedRisk gradeEvidence verified
19 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
Finanssipalvelu Lehtovaara Oy
Finanssipalvelu Lehtovaara Oy's registered office is Joensuu. It is a limited company. The company was established on 2007-12-31. It operates in the industry of intermediation service activities for real estate activities. In its latest retained statement for 2025-12-31, revenue was €0 and operating profit was €6,139.
Business ID 2164259-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2164259-8
- Sector
- Intermediation service activities for real estate activities
- Municipality
- Joensuu
- Company form
- Limited company
- Registration date
- 2007-12-31
- Business ID registration date
- 2007-12-19
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Lehmirinne 11, 80230, Joensuu
Phone: +358500540767Source observation
Email: [email protected]Source observation
People and decision-makers
Lehtovaara Mauri JuhaniToimitusjohtaja
About Finanssipalvelu Lehtovaara Oy
Financial position and key figures for the company.
Finanssipalvelu Lehtovaara Oy's location municipality is Joensuu. It is a limited company. The company was established on 2007-12-31. It operates in the industry of intermediation service activities for real estate activities. In its latest retained statement for 2025-12-31, revenue was €0 and operating profit was €6,139. The latest retained financial statement for 2025-12-31 shows revenue of €0 and profit for the financial year of -€6,147. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, 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 toimiala on kiinteistövälitys, vakuutus- ja muiden finanssipalvelujen myynti, koulutus- ja konsultointipalvelut, sijoitustoiminta, arvopapereiden, kiinteistöjen ja osakkeiden osto, myynti, vuokraus ja hallinta.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Equity ratio100.0%
Revenue€0+€0 vs previous periodPrevious: €0
Operating profit (loss)€6,139+€12,072 (+203.5%) vs previous periodPrevious: -€5,934
Profit (loss) for the financial year-€6,147-€223 (-3.8%) vs previous periodPrevious: -€5,924
Assets€8,366-€7,348 (-46.8%) vs previous periodPrevious: €15,714
Balance-sheet contextLatest financial period
Profit before taxes€6,147Previous: -€5,933
Employees1Previous: 1
Revenue trend5 periods
€37,440
2021-12-31
€27,562
2022-12-31
€303
2023-12-31
€0
2024-12-31
€0
2025-12-31
Operating profit (loss) trend5 periods
€9,012
2021-12-31
€15,413
2022-12-31
-€4,336
2023-12-31
-€5,934
2024-12-31
€6,139
2025-12-31
Profit (loss) for the financial year trend5 periods
€9,011
2021-12-31
€15,413
2022-12-31
-€4,344
2023-12-31
-€5,924
2024-12-31
-€6,147
2025-12-31
Assets trend5 periods
€16,050
2021-12-31
€30,908
2022-12-31
€23,439
2023-12-31
€15,714
2024-12-31
€8,366
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Stable
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 100.0 % | 97.7 % | 100.0 % | 100.0 % | 100.0 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | 24.1 % | 55.9 % | -1427.8 % | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2164259-8
EU IDFIFPRO.2164259-8
MunicipalityJoensuu
Current registered entries
2007-12-31Registered in Patent and Registration Office (Trade Register)
2008-01-31Registered in Tax Administration (Tax Administration)
Responsible people
Public role relationships materialized from source observations.
Lehtovaara Mauri JuhaniToimitusjohtajaSources: 4 · Confidence: 78%
Lehtovaara Mauri JuhaniVarsinainen jäsenSources: 2 · Confidence: 78%
Lehtovaara Roope KasperiVarajäsenSources: 2 · Confidence: 78%
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
StableFinanssipalvelu Lehtovaara Oy
Grade downgradedA3 → B1 · new analysis 2026-10-19
65/100
Medium
Limited financial evidenceRegistry and statistics based
Financial development is mostly stable or mixed.
4 comparable periodsProfitabilityNot enough history
SolvencyStable
LiquidityNot enough history
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Sufficient structured financial metrics are not available
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
3 assessmentsB1
2026-10-1965/100 · v0.15
A3 → B1 · -6 points- Assessment confidence: Low → Medium.
- Evidence quality: Usable financial evidence → Limited financial evidence.
- New risk factor: Sufficient structured financial metrics are not available.
A3
2026-09-1571/100 · v0.14
A3 → A3- Revenue: Deteriorating
- Solvency: Stable
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
A3
2026-09-1471/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
2026-10-19
open-risk-grade-v0.15
The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 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 riskmedium
53/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 18 years of registry continuity.
Registry and status signalsSeurattava
70/100
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
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Registry timeline
Trade register notifications shown on a timeline.
16 register eventsLatest event: 2026-01-27
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
Finanssipalvelu Lehtovaara Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.