Business profile

Frank Oy

Frank Oy's registered office is Karkkila. It is a limited company. The company was established on 1980-10-17. It operates in the industry of specialised retail sale of clothing and accessories. In its latest retained statement for 2026-03-31, revenue was €902,354 and operating profit was €56,026.

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Business ID 0397641-2ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
0397641-2
Sector
Specialised retail sale of clothing and accessories
Municipality
Karkkila
Company form
Limited company
Registration date
1980-10-17
Business ID registration date
1981-01-13
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: VALTATIE 6, 03600, Karkkila

About Frank Oy

Financial position and key figures for the company.

Frank Oy's location municipality is Karkkila. It is a limited company. The company was established on 1980-10-17. It operates in the industry of specialised retail sale of clothing and accessories. In its latest retained statement for 2026-03-31, revenue was €902,354 and operating profit was €56,026. The latest retained financial statement for 2026-03-31 shows revenue of €902,354 and profit for the financial year of €16,131. Based on the latest retained statement, revenue growth was -7.4%, operating margin was +6.2%, and equity ratio was +18.7%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2026-03-31

Imported periods2
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-7.4%
Operating margin6.2%
Equity ratio18.7%
Revenue€902,354-€71,636 (-7.4%) vs previous periodPrevious: €973,990
Operating profit (loss)€56,026+€41,010 (+273.1%) vs previous periodPrevious: €15,015
Profit (loss) for the financial year€16,131+€46,539 (+153.0%) vs previous periodPrevious: -€30,409
Assets€763,271+€14,254 (+1.9%) vs previous periodPrevious: €749,017
Balance-sheet contextLatest financial period
Other operating income€2,019Previous: €1,080
Inventory€581,388Previous: €563,142
Cash and bank€46,764Previous: €21,273
Retained earnings-€94Previous: €30,315
Equity€142,466Previous: €126,335
Liabilities€620,805Previous: €622,682
Current assets€665,823Previous: €619,115
Current liabilities€430,805Previous: €488,779
Revenue trend2 periods
€973,990
2025-03-31
€902,354
2026-03-31
Operating profit (loss) trend2 periods
€15,015
2025-03-31
€56,026
2026-03-31
Profit (loss) for the financial year trend2 periods
-€30,409
2025-03-31
€16,131
2026-03-31
Assets trend2 periods
€749,017
2025-03-31
€763,271
2026-03-31

Financial ratios

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

Equity ratioPassable
23/100 · Improving
18.7 %2025-03-31: 16.9 %
Current ratioSatisfactory
49/100 · Improving
1.46x2025-03-31: 1.20x
Operating profit marginSatisfactory
65/100 · Improving
6.2 %2025-03-31: 1.5 %
Ratio history
Ratio2025-03-312026-03-31
Equity ratio16.9 %18.7 %
Current ratio1.20x1.46x
Operating profit margin1.5 %6.2 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID0397641-2
VAT IDFI03976412
EU IDFIFPRO.0397641-2
MunicipalityKarkkila
Current registered entries
1980-10-17Registered in Patent and Registration Office (Trade Register)
1981-01-13Registered in Tax Administration (Tax Administration)
1994-06-01VAT-liable for business activity in Tax Administration (VAT Register)
1995-03-01Registered in Tax Administration (Prepayment Register)
2023-09-21Registered 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
B1
StableFrank Oy
Grade unchangedB1 · new analysis 2026-11-04
Model score62/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators show coordinated recovery.
2 comparable periods
RevenueStable
ProfitabilityImproving
SolvencyStable
LiquidityImproving
Peer comparisonSame industry, size and age groupDescriptive comparison – does not change the model score.
183 peers
Solvency27%
Below 73% of peers
Profitability66%
Better than 66% of peers
Liquidity63%
Better than 63% of peers
Revenue growth25%
Below 75% 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.
2 observed filings
Latest registration lag198 days after period end
Typical registration lag219 days after period end
Annual continuity2 consecutive periods
Supporting factors
  • Coordinated recovery across 2 financial domains
  • Active registered status
  • A newer financial statement filing has been reported
Risk factors to note
  • High balance-sheet leverage
  • Elevated industry distress context
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
6 assessments
B1
2026-11-0462/100 · v0.15
B1 → B1
B1
2026-11-01 00:4962/100 · v0.15
B2 → B1 · +3 points
  • Evidence strengthened: a newer PRH/XBRL financial statement was added to the assessment (2026-03-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Usable financial evidence → Strong financial evidence.
B2
2026-10-1859/100 · v0.15
B2 → B2
B2
2026-09-29 03:3359/100 · v0.14
B1 → B2 · -4 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-03-31).
  • Evidence quality: Registry and statistical evidence → Usable financial evidence.
Automatic model gradeB1
Automatic model snapshot2026-11-04
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 riskelevated
46/100

Industry context is elevated based on normalized open statistical inputs.

Age and continuityVakiintunut
90/100

The company has about 46 years of registry continuity.

Registry and status signalsVakaa
79/100

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
1 Nov 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → B1.
Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.
Financial statement availableFinancialEvidence verified
15 Oct 2026 · PRH / XBRLFinancial period ends 2026-03-31.
Financial statements registeredFinancialEvidence verified
15 Oct 2026 · PRH / KREKFINANCIAL STATEMENTS
FRANK raises €2.9M to cut paperwork for insurance brokersNews
1 Oct 2026 · Tech.euPortuguese insurtech FRANK hasraised €2.9 million in a funding round led by Armilar and Start Ventures to further develop its AI-powered platform for insurance brokers and prepare for international ex...Open original source
Risk grade updatedRisk gradeEvidence verified
29 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.
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.

18 register eventsLatest event: 2026-10-15

Financial statements availability

Available financial statement periods and PRH source filings.

2 financial statement periodsLatest financial period: 2026-03-31

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-02-03.

This company profile has not been claimed yet

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