Risk grade updatedRisk gradeEvidence verified
2 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → B1.Business profile
HR Charter Oy
HR Charter Oy's registered office is Esbo. It is a limited company. The company was established on 2020-09-28. It operates in the industry of medical specialists activities. In its latest retained statement for 2025-12-31, revenue was €83,882 and operating profit was €32,138.
Business ID 3160613-6ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3160613-6
- Sector
- Medical specialists activities
- Municipality
- Esbo
- Company form
- Limited company
- Registration date
- 2020-09-28
- Business ID registration date
- 2020-09-25
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Aseveljentie 1, 02650, Esbo
Website: https://www.hrcharter.fiSource observation
About HR Charter Oy
Financial position and key figures for the company.
HR Charter Oy's location municipality is Esbo. It is a limited company. The company was established on 2020-09-28. It operates in the industry of medical specialists activities. In its latest retained statement for 2025-12-31, revenue was €83,882 and operating profit was €32,138. The latest retained financial statement for 2025-12-31 shows revenue of €83,882 and profit for the financial year of €19,955. Based on the latest retained statement, revenue growth was +24.8%, operating margin was +38.3%, and equity ratio was -51.6%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
4
1
PRH/XBRL financial statement
Derived indicators
Revenue growth24.8%
Operating margin38.3%
Equity ratio-51.6%
Balance-sheet contextLatest financial period
Cash and bank€10,102Previous: €5,958
Retained earnings-€168,782Previous: -€142,457
Equity-€148,827Previous: -€168,782
Liabilities€437,412Previous: €468,875
Current assets€11,365Previous: €9,723
Current liabilities€6,227Previous: €4,473
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
0/100 · Improving
Current ratioSatisfactory
54/100 · Improving
Operating profit marginGood
100/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3160613-6
VAT IDFI31606136
EU IDFIFPRO.3160613-6
MunicipalityEsbo
Current registered entries
2020-09-25VAT-liable for business activity in Tax Administration (VAT Register)
2020-09-25Registered in Tax Administration (Prepayment Register)
2020-09-28Registered in Tax Administration (Tax Administration)
2020-09-28Registered in Patent and Registration Office (Trade 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
StableHR Charter Oy
Grade unchangedB1 · new analysis 2026-10-17
60/100
Medium
Usable financial evidenceFinancial data included
Same industry, size and age groupDescriptive comparison – does not change the model score.
44 peersSolvency18%
Below 82% of peers
Profitability82%
Better than 82% of peers
Liquidity68%
Better than 68% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings141 days after period end
119 days after period end
4 consecutive periods
Supporting factors
- Strong operating profitability
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Negative equity
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB1
2026-10-1760/100 · v0.15
B1 → B1B1
2026-10-02 13:3060/100 · v0.14
A3 → B1 · -10 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
2026-09-1570/100 · 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
2026-09-1462/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
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 riskvery low
94/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 6 years of registry continuity.
Registry and status signalsRajallinen
51/100
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
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
9 register eventsLatest event: 2025-04-10
Financial statements availability
Available financial statement periods and PRH source filings.
4 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
HR Charter Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.