Risk grade updatedRisk gradeEvidence verified
20 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
Haapoja Insurance Agency Oy
Haapoja Insurance Agency Oy's registered office is Helsingfors. It is a limited company. The company was established on 2017-03-27. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €185,391 and operating profit was €31,007.
Business ID 2823442-3ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2823442-3
- Sector
- Activities of insurance agents and brokers
- Municipality
- Helsingfors
- Company form
- Limited company
- Registration date
- 2017-03-27
- Business ID registration date
- 2017-03-20
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Hiihtäjäntie 1 B 35, 00810, Helsingfors
Phone: +358405773433Source observation
Email: [email protected]Source observation
People and decision-makers
Haapoja Niko MikaelToimitusjohtaja
About Haapoja Insurance Agency Oy
Financial position and key figures for the company.
Haapoja Insurance Agency Oy's location municipality is Helsingfors. It is a limited company. The company was established on 2017-03-27. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €185,391 and operating profit was €31,007. The latest retained financial statement for 2025-12-31 shows revenue of €185,391 and profit for the financial year of €23,932. Based on the latest retained statement, revenue growth was +6.1%, operating margin was +16.7%, and equity ratio was +93.7%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimiala on vakuutusasiamiesten -ja välittäjien toiminta, kaikki muu laillinen liiketoiminta.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth6.1%
Operating margin16.7%
Equity ratio93.7%
Revenue€185,391+€10,594 (+6.1%) vs previous periodPrevious: €174,797
Operating profit (loss)€31,007-€6,395 (-17.1%) vs previous periodPrevious: €37,401
Profit (loss) for the financial year€23,932-€9,758 (-29.0%) vs previous periodPrevious: €33,690
Assets€230,480+€9,265 (+4.2%) vs previous periodPrevious: €221,215
Balance-sheet contextLatest financial period
Profit before taxes€30,629Previous: €42,975
Employees1Previous: 1
Revenue trend5 periods
€50,537
2021-12-31
€187,968
2022-12-31
€247,117
2023-12-31
€174,797
2024-12-31
€185,391
2025-12-31
Operating profit (loss) trend5 periods
-€21,190
2021-12-31
€86,518
2022-12-31
€128,108
2023-12-31
€37,401
2024-12-31
€31,007
2025-12-31
Profit (loss) for the financial year trend5 periods
-€26,096
2021-12-31
€73,860
2022-12-31
€102,100
2023-12-31
€33,690
2024-12-31
€23,932
2025-12-31
Assets trend5 periods
€26,854
2021-12-31
€109,964
2022-12-31
€217,896
2023-12-31
€221,215
2024-12-31
€230,480
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
92/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 88.8 % | 87.1 % | 87.3 % | 94.4 % | 93.7 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | -41.4 % | 46.0 % | 51.8 % | 21.4 % | 16.7 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2823442-3
EU IDFIFPRO.2823442-3
MunicipalityHelsingfors
Current registered entries
2017-03-27Registered in Patent and Registration Office (Trade Register)
2017-04-01Registered in Tax Administration (Prepayment Register)
2017-04-25Registered in Tax Administration (Tax Administration)
Responsible people
Public role relationships materialized from source observations.
Haapoja Niko MikaelToimitusjohtajaSources: 4 · Confidence: 78%
Haapoja Niko MikaelVarsinainen jäsenSources: 2 · Confidence: 78%
Marika LahtinenHallitus: varajäsenSources: 1 · Confidence: 76%
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
A2
Very goodHaapoja Insurance Agency Oy
Grade unchangedA2 · new analysis 2026-10-20
84/100
Medium
Usable financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
4 comparable periodsSolvencyImproving
LiquidityNot enough history
Same industry, size and age groupDescriptive comparison – does not change the model score.
82 peersSolvency70%
Better than 70% of peers
Profitability55%
Better than 55% of peers
Revenue growth59%
Better than 59% of peers
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Active registered status
Risk factors to note
- Coordinated deterioration across 2 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA2
2026-10-2084/100 · v0.15
A2 → A2 · -1 points- Evidence quality: Strong financial evidence → Usable financial evidence.
A2
2026-10-0685/100 · v0.14
Oldest retained automatic assessment in this comparisonA2
2026-10-20
open-risk-grade-v0.15
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 risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 9 years of registry continuity.
Registry and status signalsVakaa
75/100
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
6 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Registry timeline
Trade register notifications shown on a timeline.
16 register eventsLatest event: 2026-04-17
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
Haapoja Insurance Agency Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.