Business profile

Heino Vanhala Oy

Heino Vanhala Oy's registered office is Ruukki. It is a limited company. The company was established on 2014-07-24. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €161,776 and operating profit was €20,935.

Claim profileContact details
Business ID 2629404-3ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
2629404-3
Sector
Activities of insurance agents and brokers
Municipality
Ruukki
Company form
Limited company
Registration date
2014-07-24
Business ID registration date
2014-07-02
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Kontionpesä 4, 92400, Ruukki

Phone: +358405166325Source observation

Email: [email protected]Source observation

People and decision-makers

Vanhala Heino AulisVarsinainen jäsen
Pesonen Janne AnteroTilintarkastaja
Vanhala Merja KaarinaVarajäsen

About Heino Vanhala Oy

Financial position and key figures for the company.

Heino Vanhala Oy's location municipality is Ruukki. It is a limited company. The company was established on 2014-07-24. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €161,776 and operating profit was €20,935. The latest retained financial statement for 2025-12-31 shows revenue of €161,776 and profit for the financial year of €16,879. Based on the latest retained statement, revenue growth was -8.4%, operating margin was +12.9%, and equity ratio was +99.1%.

Financial highlights

Key figures from the latest financial period.

Latest financial period

2025-12-31

Imported periods0
PRH parsed0
Profile sourceEnriched source observation
Derived indicators
Revenue growth-8.4%
Operating margin12.9%
Equity ratio99.1%
Revenue€161,776-€14,893 (-8.4%) vs previous periodPrevious: €176,669
Operating profit (loss)€20,935-€10,607 (-33.6%) vs previous periodPrevious: €31,542
Profit (loss) for the financial year€16,879-€8,335 (-33.1%) vs previous periodPrevious: €25,214
Assets€212,407+€106 (+0.0%) vs previous periodPrevious: €212,301
Balance-sheet contextLatest financial period
Employees2Previous: 2
Revenue trend5 periods
€210,383
2021-12-31
€167,971
2022-12-31
€172,315
2023-12-31
€176,669
2024-12-31
€161,776
2025-12-31
Operating profit (loss) trend5 periods
€69,753
2021-12-31
€33,403
2022-12-31
€33,403
2023-12-31
€31,542
2024-12-31
€20,935
2025-12-31
Profit (loss) for the financial year trend5 periods
€55,616
2021-12-31
€26,659
2022-12-31
€28,446
2023-12-31
€25,214
2024-12-31
€16,879
2025-12-31
Assets trend5 periods
€196,131
2021-12-31
€192,991
2022-12-31
€205,583
2023-12-31
€212,301
2024-12-31
€212,407
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.

Equity ratioGood
100/100 · Declining
99.1 %2024-12-31: 99.2 %
Current ratioNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Operating profit marginGood
82/100 · Declining
12.9 %2024-12-31: 17.9 %
Ratio history
Ratio2021-12-312022-12-312023-12-312024-12-312025-12-31
Equity ratio95.0 %99.5 %98.5 %99.2 %99.1 %
Current ratio-----
Operating profit margin33.2 %19.9 %19.4 %17.9 %12.9 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID2629404-3
EU IDFIFPRO.2629404-3
MunicipalityRuukki
Current registered entries
2014-07-01Registered in Tax Administration (Prepayment Register)
2014-07-24Registered in Tax Administration (Tax Administration)
2014-07-24Registered in Patent and Registration Office (Trade Register)
2022-04-01Registered in Tax Administration (Employer Register)

Responsible people

Public role relationships materialized from source observations.

Vanhala Heino AulisVarsinainen jäsenSources: 4 · Confidence: 78%
Pesonen Janne AnteroTilintarkastajaSources: 2 · Confidence: 78%
Vanhala Merja KaarinaVarajäsenSources: 2 · 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
A3
GoodHeino Vanhala Oy
Grade downgradedA2 → A3 · new analysis 2026-10-17
Model score79/100
Assessment confidenceMedium
Evidence qualityUsable financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
4 comparable periods
RevenueStable
ProfitabilityDeteriorating
SolvencyStable
LiquidityNot enough history
Peer comparisonSame industry, size and age groupDescriptive comparison – does not change the model score.
31 peers
Solvency94%
Better than 94% of peers
Profitability45%
Below 55% of peers
Revenue growth29%
Below 71% of peers
Supporting factors
  • Strong equity ratio
  • Strong operating profitability
  • Active registered status
Risk factors to note

No material separate warning signals.

Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessments
A3
2026-10-1779/100 · v0.15
A2 → A3 · -2 points
  • Evidence quality: Strong financial evidence → Usable financial evidence.
A2
2026-09-2181/100 · v0.14
Oldest retained automatic assessment in this comparison
Automatic model gradeA3
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 continuityVakiintunut
80/100

The company has about 12 years of registry continuity.

Registry and status signalsSeurattava
73/100

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
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.
Risk grade updatedRisk gradeEvidence verified
21 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.

Registry timeline

Trade register notifications shown on a timeline.

13 register eventsLatest event: 2026-03-05

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

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