Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade C.Business profile
Hoivaa ja Valoa Oy
Hoivaa ja Valoa Oy's registered office is Luomankylä. It is a limited company. The company was established on 2020-08-04. It operates in the industry of home help services for older persons and persons with disabilities. In its latest retained statement for 2024-12-31, revenue was €1,485,906 and operating profit was €117,750.
Business ID 3149002-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3149002-2
- Sector
- Home help services for older persons and persons with disabilities
- Municipality
- Luomankylä
- Company form
- Limited company
- Registration date
- 2020-08-04
- Business ID registration date
- 2020-07-27
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Valkamankyläntie 55, 61810, Luomankylä
Phone: +358453150774Source observation
Email: [email protected]Source observation
Website: https://www.hoivaajavaloa.fiSource observation
Instagram profile: https://www.instagram.com/hoivaajavaloaSource: company website
Facebook profile: https://www.facebook.com/hoivaajavaloaSource: company website
People and decision-makers
Hiipakka Jonna HanneleToimitusjohtaja
Email: Email available for logged-in usersSource: company website
Phone: Phone available for logged-in usersSource: company website
Iida HiipakkaDecision-maker
Email: Email available for logged-in usersSource: company website
Phone: Phone available for logged-in usersSource: company website
Miia RantaDecision-maker
Email: Email available for logged-in usersSource: company website
Phone: Phone available for logged-in usersSource: company website
Sanna TarkkaDecision-maker
Email: Email available for logged-in usersSource: company website
Phone: Phone available for logged-in usersSource: company website
Direct contact details available for logged-in usersSome person-level contact details are shown only to registered users. The data is based on public sources, such as the company's own website.Log in to view decision-maker contact details
About Hoivaa ja Valoa Oy
Financial position and key figures for the company.
Hoivaa ja Valoa Oy's location municipality is Luomankylä. It is a limited company. The company was established on 2020-08-04. It operates in the industry of home help services for older persons and persons with disabilities. In its latest retained statement for 2024-12-31, revenue was €1,485,906 and operating profit was €117,750. The latest retained financial statement for 2024-12-31 shows revenue of €1,485,906 and profit for the financial year of €106,247. Based on the latest retained statement, revenue growth was +56.8%, operating margin was +7.8%, and equity ratio was -27.8%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2024-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth56.8%
Operating margin7.8%
Equity ratio-27.8%
Revenue€1,485,906+€538,253 (+56.8%) vs previous periodPrevious: €947,653
Operating profit (loss)€117,750+€16,190 (+15.9%) vs previous periodPrevious: €101,561
Profit (loss) for the financial year€106,247+€26,921 (+33.9%) vs previous periodPrevious: €79,326
Assets€276,716+€138,328 (+100.0%) vs previous periodPrevious: €138,388
Balance-sheet contextLatest financial period
Profit before taxes€106,247Previous: €79,326
Employees27Previous: 20
Revenue trend4 periods
€315,844
2021-12-31
€828,222
2022-12-31
€947,653
2023-12-31
€1,485,906
2024-12-31
Operating profit (loss) trend4 periods
-€144,890
2021-12-31
-€97,613
2022-12-31
€101,561
2023-12-31
€117,750
2024-12-31
Profit (loss) for the financial year trend4 periods
-€153,704
2021-12-31
-€108,857
2022-12-31
€79,326
2023-12-31
€106,247
2024-12-31
Assets trend4 periods
€84,806
2021-12-31
€89,129
2022-12-31
€138,388
2023-12-31
€276,716
2024-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioWeak
0/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginSatisfactory
70/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|
| Equity ratio | -181.2 % | -294.6 % | -132.4 % | -27.8 % |
| Current ratio | - | - | - | - |
| Operating profit margin | -45.9 % | -11.8 % | 10.6 % | 7.8 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3149002-2
VAT IDFI31490022
EU IDFIFPRO.3149002-2
MunicipalityLuomankylä
Current registered entries
2020-08-04Registered in Patent and Registration Office (Trade Register)
2020-08-07Registered in Tax Administration (Tax Administration)
2020-11-01Registered in Tax Administration (Prepayment Register)
2021-06-09Registered in Tax Administration (Employer Register)
2022-10-12VAT-liable for business activity in Tax Administration (VAT Register)
Responsible people
Public role relationships materialized from source observations.
Direct contact details available for logged-in users.
Hiipakka Jonna HanneleToimitusjohtajaSources: 5 · Confidence: 78%
Hiipakka Jonna HanneleVarsinainen jäsenSources: 2 · Confidence: 78%
Haanpää Mira PauliinaVarajäsenSources: 2 · Confidence: 78%
Kotiranta Maria MeritaTilintarkastajaSources: 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
C
Elevated riskHoivaa ja Valoa Oy
Grade unchangedC · new analysis 2026-10-17
39/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsRevenueImproving · 3 consecutive periods
ProfitabilityVolatile
SolvencyImproving · 2 consecutive periods
LiquidityNot enough history
Same size nationallyDescriptive comparison – does not change the model score.
1022 peersSolvency4%
Below 96% of peers
Profitability64%
Better than 64% of peers
Revenue growth90%
Better than 90% of peers
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative equity
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsC
2026-10-1739/100 · v0.15
C → C- Risk factor cleared: High balance-sheet leverage.
C
2026-10-1339/100 · v0.14
Oldest retained automatic assessment in this comparisonC
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 riskelevated
42/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 6 years of registry continuity.
Registry and status signalsSeurattava
55/100
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
13 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade C.Registry timeline
Trade register notifications shown on a timeline.
10 register eventsLatest event: 2025-06-07
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
Hoivaa ja Valoa Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.