Risk grade updatedRisk gradeEvidence verified
4 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.Business profile
FinnMemo Oy
FinnMemo Oy's registered office is Kuopio. It is a limited company. The company was established on 2017-05-08. It operates in the industry of other publishing activities, except software publishing. In its latest retained statement for 2025-12-31, revenue was €293,802 and operating profit was €21,421.
Business ID 2831929-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2831929-1
- Sector
- Other publishing activities, except software publishing
- Municipality
- Kuopio
- Company form
- Limited company
- Registration date
- 2017-05-08
- Business ID registration date
- 2017-05-04
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Hapelähteenkatu 41 lh. 14, 70100, Kuopio
Website: https://www.finnmemo.fiSource observation
About FinnMemo Oy
Financial position and key figures for the company.
FinnMemo Oy's location municipality is Kuopio. It is a limited company. The company was established on 2017-05-08. It operates in the industry of other publishing activities, except software publishing. In its latest retained statement for 2025-12-31, revenue was €293,802 and operating profit was €21,421. The latest retained financial statement for 2025-12-31 shows revenue of €293,802 and profit for the financial year of €16,400. Based on the latest retained statement, revenue growth was +9.9%, operating margin was +7.3%, and equity ratio was +71.8%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
5
2
PRH/XBRL financial statement
Derived indicators
Revenue growth9.9%
Operating margin7.3%
Equity ratio71.8%
Balance-sheet contextLatest financial period
Other operating income€3,359Previous: €3,149
Cash and bank€69,481Previous: €74,177
Retained earnings€107,211Previous: €105,579
Equity€126,111Previous: €123,599
Liabilities€49,613Previous: €49,116
Current assets€116,068Previous: €120,693
Current liabilities€34,528Previous: €29,478
Revenue trend2 periods
€267,438
2024-12-31
€293,802
2025-12-31
Operating profit (loss) trend2 periods
€20,757
2024-12-31
€21,421
2025-12-31
Profit (loss) for the financial year trend2 periods
€15,520
2024-12-31
€16,400
2025-12-31
Assets trend2 periods
€172,714
2024-12-31
€175,724
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
90/100 · Improving
Current ratioGood
67/100 · Declining
Operating profit marginSatisfactory
68/100 · Declining
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 71.6 % | 71.8 % |
| Current ratio | 2.52x | 2.01x |
| Operating profit margin | 7.7 % | 7.2 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2831929-1
VAT IDFI28319291
EU IDFIFPRO.2831929-1
MunicipalityKuopio
Current registered entries
2017-05-04Registered in Tax Administration (Employer Register)
2017-05-04VAT-liable for business activity in Tax Administration (VAT Register)
2017-05-04Registered in Tax Administration (Prepayment Register)
2017-05-08Registered in Tax Administration (Tax Administration)
2017-05-08Registered 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
A3
GoodFinnMemo Oy
Grade upgradedB1 → A3 · new analysis 2026-10-04
78/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueStable
ProfitabilityStable
SolvencyStable
Same size nationallyDescriptive comparison – does not change the model score.
145 peersSolvency64%
Better than 64% of peers
Profitability60%
Better than 60% of peers
Liquidity72%
Better than 72% of peers
Revenue growth73%
Better than 73% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings169 days after period end
81 days after period end
3 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Active registered status
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsA3
2026-10-04 08:5678/100 · v0.14
B1 → A3 · +18 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.
B1
2026-09-1560/100 · v0.14
B2 → B1 · +2 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.
B2
2026-09-1458/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
2026-10-04
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
59/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 9 years of registry continuity.
Registry and status signalsSeurattava
66/100
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 B1.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
14 register eventsLatest event: 2025-03-21
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 2025-12-31.
This company profile has not been claimed yet
FinnMemo Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.