Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Finn-Sermest Oy
Finn-Sermest Oy's registered office is Karvia. It is a limited company. The company was established on 1987-06-30. It operates in the industry of construction of residential and non-residential buildings.
Business ID 0653354-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0653354-5
- Sector
- Construction of residential and non-residential buildings
- Municipality
- Karvia
- Company form
- Limited company
- Registration date
- 1987-06-30
- Business ID registration date
- 1987-04-03
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kylä-karviantie 39, 39930, Karvia
About Finn-Sermest Oy
Financial position and key figures for the company.
Finn-Sermest Oy's location municipality is Karvia. It is a limited company. The company was established on 1987-06-30. It operates in the industry of construction of residential and non-residential buildings. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +80.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2026-02-28
2
2
PRH/XBRL financial statement
Derived indicators
Equity ratio80.9%
Balance-sheet contextLatest financial period
Inventory€314,881Previous: €304,599
Cash and bank€92,293Previous: €179,908
Retained earnings€912,147Previous: €983,375
Equity€935,121Previous: €1,064,669
Liabilities€220,513Previous: €176,854
Current assets€441,691Previous: €722,912
Current liabilities€220,513Previous: €176,854
Operating profit (loss) trend2 periods
-€85,466
2025-02-28
€72,640
2026-02-28
Profit (loss) for the financial year trend2 periods
-€70,929
2025-02-28
€78,771
2026-02-28
Assets trend2 periods
€1,241,523
2025-02-28
€1,155,633
2026-02-28
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Declining
Current ratioSatisfactory
62/100 · Declining
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2025-02-28 | 2026-02-28 |
|---|---|---|
| Equity ratio | 85.8 % | 80.9 % |
| Current ratio | 2.74x | 1.85x |
| Operating profit margin | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0653354-5
VAT IDFI06533545
EU IDFIFPRO.0653354-5
MunicipalityKarvia
Current registered entries
1987-04-03Registered in Tax Administration (Tax Administration)
1987-06-30Registered in Patent and Registration Office (Trade Register)
1994-06-01VAT-liable for business activity in Tax Administration (VAT Register)
1995-03-01Registered in Tax Administration (Prepayment Register)
2004-07-01Registered in Tax Administration (Employer 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
GoodFinn-Sermest Oy
Grade unchangedA3 · new analysis 2026-10-17
72/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
2 comparable periodsRevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
Same industryDescriptive comparison – does not change the model score.
502 peersSolvency80%
Better than 80% of peers
Liquidity78%
Better than 78% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings139 days after period end
129 days after period end
2 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Active registered status
Risk factors to note
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1772/100 · v0.15
A3 → A3A3
2026-09-20 11:1472/100 · v0.14
B1 → A3 · +11 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-02-28).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1461/100 · v0.14
B1 → B1B1
2026-09-1461/100 · v0.13
Oldest retained automatic assessment in this comparisonA3
2026-10-17
open-risk-grade-v0.15
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 riskhigh
25/100
Industry context is high based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 39 years of registry continuity.
Registry and status signalsVakaa
88/100
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
20 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
24 register eventsLatest event: 2026-07-17
Financial statements availability
Available financial statement periods and PRH source filings.
2 financial statement periodsLatest financial period: 2026-02-28
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-05.
This company profile has not been claimed yet
Finn-Sermest Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.