Business profile

Gubia Oy

Gubia Oy's registered office is Orimattila. It is a limited company. The company was established on 2021-05-06. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2026-04-30, revenue was €50,164 and operating profit was €4,177.

Claim profileContact details
Business ID 3208166-9ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3208166-9
Sector
Activities of insurance agents and brokers
Municipality
Orimattila
Company form
Limited company
Registration date
2021-05-06
Business ID registration date
2021-05-01
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Ratapolku 16, 16300, Orimattila

About Gubia Oy

Financial position and key figures for the company.

Gubia Oy's location municipality is Orimattila. It is a limited company. The company was established on 2021-05-06. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2026-04-30, revenue was €50,164 and operating profit was €4,177. The latest retained financial statement for 2026-04-30 shows revenue of €50,164 and profit for the financial year of €1,221. Based on the latest retained statement, revenue growth was +26.5%, operating margin was +8.3%, and equity ratio was -930.1%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2026-04-30

Imported periods5
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth26.5%
Operating margin8.3%
Equity ratio-930.1%
Revenue€50,164+€10,500 (+26.5%) vs previous periodPrevious: €39,664
Operating profit (loss)€4,177+€11,317 (+158.5%) vs previous periodPrevious: -€7,140
Profit (loss) for the financial year€1,221+€12,199 (+111.1%) vs previous periodPrevious: -€10,979
Assets€1,536-€6,836 (-81.7%) vs previous periodPrevious: €8,372
Balance-sheet contextLatest financial period
Retained earnings-€15,507Previous: -€4,528
Equity-€14,286Previous: -€15,507
Liabilities€15,822Previous: €23,879
Current assets€1,536Previous: €8,372
Current liabilities€385Previous: €4,120
Revenue trend2 periods
€39,664
2025-04-30
€50,164
2026-04-30
Operating profit (loss) trend2 periods
-€7,140
2025-04-30
€4,177
2026-04-30
Profit (loss) for the financial year trend2 periods
-€10,979
2025-04-30
€1,221
2026-04-30
Assets trend2 periods
€8,372
2025-04-30
€1,536
2026-04-30

Financial ratios

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

Equity ratioWeak
0/100 · Declining
-930.1 %2025-04-30: -185.2 %
Current ratioGood
100/100 · Improving
3.99x2025-04-30: 2.03x
Operating profit marginSatisfactory
71/100 · Improving
8.3 %2025-04-30: -18.0 %
Ratio history
Ratio2025-04-302026-04-30
Equity ratio-185.2 %-930.1 %
Current ratio2.03x3.99x
Operating profit margin-18.0 %8.3 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3208166-9
EU IDFIFPRO.3208166-9
MunicipalityOrimattila
Current registered entries
2021-05-01Registered in Tax Administration (Prepayment Register)
2021-05-06Registered in Tax Administration (Tax Administration)
2021-05-06Registered 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
B2
SatisfactoryGubia Oy
Grade unchangedB2 · new analysis 2026-10-17
Model score59/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
3 comparable periods
RevenueImproving
ProfitabilityImproving
SolvencyDeteriorating
LiquidityImproving
Peer comparisonSame industry and sizeDescriptive comparison – does not change the model score.
90 peers
Solvency2%
Below 98% of peers
Profitability68%
Better than 68% of peers
Liquidity80%
Better than 80% of peers
Revenue growth83%
Better than 83% 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.
4 observed filings
Latest registration lag28 days after period end
Typical registration lag30 days after period end
Annual continuity4 consecutive periods
Supporting factors
  • Strong operating profitability
  • Healthy short-term liquidity
  • Company context reduces the weight of an isolated financial signal
Risk factors to note
  • Negative equity
  • High balance-sheet leverage
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
B2
2026-10-1759/100 · v0.15
B2 → B2
B2
2026-09-25 19:2759/100 · v0.14
B1 → B2 · -2 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-04-30).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1561/100 · 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
2026-09-1459/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB2
Automatic model snapshot2026-10-17
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 risklow
77/100

Industry context is low based on normalized open statistical inputs.

Age and continuityHyvä
60/100

The company has about 5 years of registry continuity.

Registry and status signalsRajallinen
47/100

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
25 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.

7 register eventsLatest event: 2025-06-05

Financial statements availability

Available financial statement periods and PRH source filings.

5 financial statement periodsLatest financial period: 2026-04-30

Profile source and ownership

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

This company profile has not been claimed yet

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