Risk grade updatedRisk gradeEvidence verified
22 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → B1.Business profile
HoivaSavo oy
HoivaSavo oy's registered office is Lapinlahti. It is a limited company. The company was established on 2020-12-16. It operates in the industry of home help services for older persons and persons with disabilities. In its latest retained statement for 2025-12-31, revenue was €567,645 and operating profit was €28,332.
Business ID 3175817-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3175817-2
- Sector
- Home help services for older persons and persons with disabilities
- Municipality
- Lapinlahti
- Company form
- Limited company
- Registration date
- 2020-12-16
- Business ID registration date
- 2020-12-07
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Nerkoonniementie 141, 73100, Lapinlahti
Website: https://www.hoivasavo.fiSource observation
About HoivaSavo oy
Financial position and key figures for the company.
HoivaSavo oy's location municipality is Lapinlahti. It is a limited company. The company was established on 2020-12-16. It operates in the industry of home help services for older persons and persons with disabilities. In its latest retained statement for 2025-12-31, revenue was €567,645 and operating profit was €28,332. The latest retained financial statement for 2025-12-31 shows revenue of €567,645 and profit for the financial year of €18,833. Based on the latest retained statement, revenue growth was +7.5%, operating margin was +5.0%, and equity ratio was +30.6%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
3
2
PRH/XBRL financial statement
Derived indicators
Revenue growth7.5%
Operating margin5.0%
Equity ratio30.6%
Balance-sheet contextLatest financial period
Other operating income€40Previous: €100
Inventory€4,572Previous: €1,622
Cash and bank€99,157Previous: €68,482
Retained earnings€44,151Previous: €38,499
Equity€62,984Previous: €47,990
Liabilities€142,516Previous: €141,671
Current assets€165,385Previous: €135,197
Current liabilities€105,891Previous: €87,710
Revenue trend2 periods
€527,928
2024-12-31
€567,645
2025-12-31
Operating profit (loss) trend2 periods
€13,777
2024-12-31
€28,332
2025-12-31
Profit (loss) for the financial year trend2 periods
€9,492
2024-12-31
€18,833
2025-12-31
Assets trend2 periods
€189,661
2024-12-31
€205,501
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioSatisfactory
38/100 · Improving
Current ratioPassable
33/100 · Improving
Operating profit marginSatisfactory
62/100 · Improving
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 25.3 % | 30.6 % |
| Current ratio | 0.80x | 0.98x |
| Operating profit margin | 2.6 % | 5.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3175817-2
VAT IDFI31758172
EU IDFIFPRO.3175817-2
MunicipalityLapinlahti
Current registered entries
2020-12-16Registered in Tax Administration (Tax Administration)
2020-12-16Registered in Patent and Registration Office (Trade Register)
2021-01-01Registered in Tax Administration (Employer Register)
2021-01-01VAT-liable for business activity in Tax Administration (VAT Register)
2021-01-01Registered in Tax Administration (Prepayment 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
B1
StableHoivaSavo oy
Grade upgradedB2 → B1 · new analysis 2026-09-22
63/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueStable
ProfitabilityStable
SolvencyImproving
LiquidityStable
Same size nationallyDescriptive comparison – does not change the model score.
211 peersSolvency38%
Below 62% of peers
Profitability53%
Close to the peer-group midpoint
Liquidity66%
Better than 66% of peers
Revenue growth67%
Better than 67% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings156 days after period end
160 days after period end
3 consecutive periods
Supporting factors
- Active registered status
Risk factors to note
- Weak current ratio
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsB1
2026-09-22 11:5263/100 · v0.14
B2 → B1 · +8 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B2
2026-09-1455/100 · v0.14
B2 → B2- 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
2026-09-1355/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
2026-09-22
open-risk-grade-v0.14
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 riskelevated
42/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 5 years of registry continuity.
Registry and status signalsSeurattava
60/100
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
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Risk grade updatedRisk gradeEvidence verified
13 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
10 register eventsLatest event: 2026-03-22
Financial statements availability
Available financial statement periods and PRH source filings.
3 financial statement periodsLatest financial period: 2025-12-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-22.
This company profile has not been claimed yet
HoivaSavo oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.