Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade D.Business profile
GR Invest Oy
GR Invest Oy's registered office is Lapua. It is a limited company. The company was established on 2024-11-24. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-10-31, revenue was €3,830 and operating profit was -€649.
Business ID 3489859-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3489859-2
- Sector
- Activities of insurance agents and brokers
- Municipality
- Lapua
- Company form
- Limited company
- Registration date
- 2024-11-24
- Business ID registration date
- 2024-11-14
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Lankilantie 35, 62100, Lapua
About GR Invest Oy
Financial position and key figures for the company.
GR Invest Oy's location municipality is Lapua. It is a limited company. The company was established on 2024-11-24. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-10-31, revenue was €3,830 and operating profit was -€649. The latest retained financial statement for 2025-10-31 shows revenue of €3,830 and profit for the financial year of -€649. Based on the latest retained statement, revenue growth was not currently available, operating margin was -16.9%, and equity ratio was -137.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-10-31
1
1
PRH/XBRL financial statement
Derived indicators
Operating margin-16.9%
Equity ratio-137.9%
Balance-sheet contextLatest financial period
Cash and bank€471Previous: No comparison value
Equity-€649Previous: No comparison value
Liabilities€1,119Previous: No comparison value
Current assets€471Previous: No comparison value
Current liabilities€1,119Previous: No comparison value
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
0/100 · Trend unavailable
Current ratioWeak
14/100 · Trend unavailable
Operating profit marginWeak
8/100 · Trend unavailable
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3489859-2
VAT IDFI34898592
EU IDFIFPRO.3489859-2
MunicipalityLapua
Current registered entries
2024-11-24Registered in Patent and Registration Office (Trade Register)
2024-11-25Registered in Tax Administration (Tax Administration)
2026-02-16VAT-liable for business activity in Tax Administration (VAT Register)
2026-04-01Registered 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
D
High riskGR Invest Oy
Grade unchangedD · new analysis 2026-10-17
20/100
Medium
Usable financial evidenceFinancial data included
Same industry and sizeDescriptive comparison – does not change the model score.
67 peersSolvency3%
Below 97% of peers
Profitability21%
Below 79% of peers
Liquidity49%
Close to the peer-group midpoint
Limited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings124 days after period end
124 days after period end
1 consecutive periods
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
- Lower industry distress context
Risk factors to note
- Negative equity
- Weak current ratio
- Negative profitability or net result
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsD
2026-10-1720/100 · v0.15
D → DD
2026-09-18 22:5020/100 · v0.14
B3 → D · -29 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-10-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B3
2026-09-1449/100 · v0.14
B3 → B3B3
2026-09-1449/100 · v0.13
Oldest retained automatic assessment in this comparisonD
2026-10-17
open-risk-grade-v0.15
The grade can use open digital financial statement data together with registry signals.
A serious financial risk signal affects this grade. Review the profile financial indicators as well.
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 continuityNuori
10/100
The company has about 1 years of registry continuity.
Registry and status signalsRajallinen
35/100
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
18 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3 → D.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Registry timeline
Trade register notifications shown on a timeline.
3 register eventsLatest event: 2026-03-04
Financial statements availability
Available financial statement periods and PRH source filings.
1 financial statement periodsLatest financial period: 2025-10-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-04-13.
This company profile has not been claimed yet
GR Invest Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.