Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Business profile
Hossa Travel Oy
Hossa Travel Oy's registered office is Ruhtinansalmi. It is a limited company. The company was established on 2013-11-05. It operates in the industry of other reservation service and related activities. In its latest retained statement for 2025-12-31, revenue was €10,119 and operating profit was €421.
Business ID 2576654-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2576654-7
- Sector
- Other reservation service and related activities
- Municipality
- Ruhtinansalmi
- Company form
- Limited company
- Registration date
- 2013-11-05
- Business ID registration date
- 2013-10-11
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Mäntyniementie 8, 89920, Ruhtinansalmi
Phone: +358407646137Source observation
Email: [email protected]Source observation
Website: https://hossatravel.comSource observation
Instagram profile: https://www.instagram.com/tarmotopiSource: company website
Facebook profile: https://www.facebook.com/hossatravelSource: company website
People and decision-makers
Karvonen Tarmo TopiToimitusjohtaja
Karvonen Aarto OlaviToimitusjohtajan sijainen
About Hossa Travel Oy
Financial position and key figures for the company.
Hossa Travel Oy's location municipality is Ruhtinansalmi. It is a limited company. The company was established on 2013-11-05. It operates in the industry of other reservation service and related activities. In its latest retained statement for 2025-12-31, revenue was €10,119 and operating profit was €421. The latest retained financial statement for 2025-12-31 shows revenue of €10,119 and profit for the financial year of €354. Based on the latest retained statement, revenue growth was -51.7%, operating margin was +4.2%, and equity ratio was -139.1%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimiala on kaikki laillinen liiketoiminta.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
3
2
Combined source
Derived indicators
Revenue growth-51.7%
Operating margin4.2%
Equity ratio-139.1%
Balance-sheet contextLatest financial period
Cash and bank€1,883Previous: €248
Retained earnings-€14,156Previous: -€8,984
Profit before taxes€354Previous: -€5,172
Equity-€3,952Previous: -€5,656
Liabilities€6,793Previous: €7,222
Current assets€2,111Previous: €592
Current liabilities€0Previous: €135
Employees1Previous: 1
Revenue trend5 periods
€4,395
2021-12-31
€18,271
2022-12-31
€21,963
2023-12-31
€20,969
2024-12-31
€10,119
2025-12-31
Operating profit (loss) trend5 periods
-€359
2021-12-31
-€7,303
2022-12-31
-€400
2023-12-31
-€5,200
2024-12-31
€421
2025-12-31
Profit (loss) for the financial year trend5 periods
-€400
2021-12-31
-€7,323
2022-12-31
-€365
2023-12-31
-€5,172
2024-12-31
€354
2025-12-31
Assets trend5 periods
€9,664
2021-12-31
€4,250
2022-12-31
€6,604
2023-12-31
€1,566
2024-12-31
€2,841
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioWeak
0/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginSatisfactory
60/100 · Improving
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 25.4 % | -67.5 % | -7.3 % | -361.1 % | -139.1 % |
| Current ratio | - | - | - | 1.84x | - |
| Operating profit margin | -1.4 % | -34.1 % | -1.8 % | -24.8 % | 4.2 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2576654-7
VAT IDFI25766547
EU IDFIFPRO.2576654-7
MunicipalityRuhtinansalmi
Current registered entries
2013-10-15VAT-liable for business activity in Tax Administration (VAT Register)
2013-10-15Registered in Tax Administration (Prepayment Register)
2013-11-05Registered in Tax Administration (Tax Administration)
2013-11-05Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Karvonen Tarmo TopiToimitusjohtajaSources: 5 · Confidence: 78%
Karvonen Aarto OlaviToimitusjohtajan sijainenSources: 3 · Confidence: 78%
Karvonen Aarto OlaviVarsinainen jäsenSources: 2 · Confidence: 78%
Karvonen Bertta OrvokkiVarajäsenSources: 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
B3
MonitorHossa Travel Oy
Grade unchangedB3 · new analysis 2026-10-17
48/100
Medium
Usable financial evidenceFinancial data included
Financial development has been volatile across multiple domains.
4 comparable periodsProfitabilityVolatile
SolvencyVolatile
LiquidityNot enough history
Same industryDescriptive comparison – does not change the model score.
65 peersSolvency2%
Below 98% of peers
Profitability49%
Close to the peer-group midpoint
Revenue growth12%
Below 88% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings64 days after period end
52 days after period end
3 consecutive periods
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative equity
- Sharp year-over-year revenue drop
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB3
2026-10-1748/100 · v0.15
B3 → B3- Profitability: Improving → Volatile
- Solvency: Improving → Volatile
- New risk factor: Material volatility across multiple financial domains.
B3
2026-09-22 08:1448/100 · v0.14
A3 → B3 · -24 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
A3
2026-09-1472/100 · v0.14
B1 → A3 · +8 points- Assessment confidence: Low → Medium.
- Evidence quality: Registry and statistical evidence → Registry and statistical evidence.
- New risk factor: Sufficient structured financial metrics are not available.
B1
2026-09-1364/100 · v0.12
Oldest retained automatic assessment in this comparisonB3
2026-10-17
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
82/100
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 signalsVakaa
76/100
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
22 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → B3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Risk grade updatedRisk gradeEvidence verified
13 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
14 register eventsLatest event: 2026-03-05
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 2025-12-31.
This company profile has not been claimed yet
Hossa Travel Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.