Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
H-M Kivi Oy
H-M Kivi Oy's registered office is Tampere. It is a limited company. The company was established on 2021-03-25. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2026-07-31, revenue was €172,916 and operating profit was €110,202.
Business ID 3192217-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3192217-1
- Sector
- Activities of insurance agents and brokers
- Municipality
- Tampere
- Company form
- Limited company
- Registration date
- 2021-03-25
- Business ID registration date
- 2021-02-18
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Paromankatu 6 B 2, 33400, Tampere
Phone: +358505284833Source observation
People and decision-makers
Kivi Henri-MatiasVarsinainen jäsen
Kivi Kimmo Antti JuhaniVarajäsen
About H-M Kivi Oy
Financial position and key figures for the company.
H-M Kivi Oy's location municipality is Tampere. It is a limited company. The company was established on 2021-03-25. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2026-07-31, revenue was €172,916 and operating profit was €110,202. The latest retained financial statement for 2026-07-31 shows revenue of €172,916 and profit for the financial year of €86,830. Based on the latest retained statement, revenue growth was -13.2%, operating margin was +48.6%, and equity ratio was +97.5%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimialana on harjoittaa vakuutusalan agentuuri-, edustus- ja välitystoimintaa sekä kiinteistöjen ja osakehuoneistojen vuokrausta, hallintaa ja kauppaa. Kaikki laillinen liiketoiminta.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2026-07-31
0
0
Enriched source observation
Derived indicators
Revenue growth-13.2%
Operating margin48.6%
Equity ratio97.5%
Revenue€172,916-€26,309 (-13.2%) vs previous periodPrevious: €199,225
Operating profit (loss)€110,202-€2,759 (-2.4%) vs previous periodPrevious: €112,961
Profit (loss) for the financial year€86,830-€3,030 (-3.4%) vs previous periodPrevious: €89,860
Assets€304,472+€67,458 (+28.5%) vs previous periodPrevious: €237,014
Balance-sheet contextLatest financial period
Profit before taxes€108,923Previous: €112,838
Employees1Previous: 1
Revenue trend6 periods
€109,000
2021-12-31
€108,692
2022-07-31
€0
2023-12-31
€0
2024-12-31
€199,225
2025-07-31
€172,916
2026-07-31
Operating profit (loss) trend6 periods
€46,000
2021-12-31
€45,519
2022-07-31
€100,388
2023-12-31
€58,005
2024-12-31
€112,961
2025-07-31
€110,202
2026-07-31
Profit (loss) for the financial year trend6 periods
€36,000
2021-12-31
€36,229
2022-07-31
€78,576
2023-12-31
€47,259
2024-12-31
€89,860
2025-07-31
€86,830
2026-07-31
Assets trend6 periods
€38,000
2021-12-31
€38,020
2022-07-31
€115,893
2023-12-31
€153,584
2024-12-31
€237,014
2025-07-31
€304,472
2026-07-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-07-31 | 2023-12-31 | 2024-12-31 | 2025-07-31 | 2026-07-31 |
|---|---|---|---|---|---|---|
| Equity ratio | 94.7 % | 0.0 % | 97.4 % | 98.0 % | 96.2 % | 97.5 % |
| Current ratio | 17.50x | 0.00x | 23.30x | 32.00x | 15.70x | - |
| Operating profit margin | 42.2 % | 0.0 % | 0.0 % | 0.0 % | 56.8 % | 48.6 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3192217-1
EU IDFIFPRO.3192217-1
MunicipalityTampere
Current registered entries
2021-02-18Registered in Tax Administration (Prepayment Register)
2021-03-25Registered in Tax Administration (Tax Administration)
2021-03-25Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Kivi Kimmo Antti JuhaniVarajäsenSources: 2 · Confidence: 78%
Kivi Henri-MatiasVarsinainen jäsenSources: 4 · Confidence: 78%
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
StableH-M Kivi Oy
Grade unchangedB1 · new analysis 2026-10-17
61/100
Medium
Registry and statistical evidenceRegistry and statistics based
Supporting factors
- Active registered status
- Lower industry distress context
Risk factors to note
- Sufficient structured financial metrics are not available
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB1
2026-10-1761/100 · v0.15
B1 → B1B1
2026-10-1161/100 · v0.14
Oldest retained automatic assessment in this comparisonB1
2026-10-17
open-risk-grade-v0.15
The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 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
48/100
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
11 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
6 register eventsLatest event: 2025-09-27
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
H-M Kivi Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.