Business profile

IC Rahoitus Oy

IC Rahoitus Oy's registered office is Helsingfors. It is a limited company. The company was established on 2016-09-29. It operates in the industry of other credit granting. In its latest retained statement for 2023-12-31, revenue was €599,885 and operating profit was €364,725.

Business ID 2782924-9ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
2782924-9
Sector
Other credit granting
Municipality
Helsingfors
Company form
Limited company
Registration date
2016-09-29
Business ID registration date
2016-09-19
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Lutherinkatu 6 A 5, 00100, Helsingfors

Postal address: Myllykatu 15, 65100, Vaasa

Website: https://www.icrahoitus.comSource observation

About IC Rahoitus Oy

Financial position and key figures for the company.

IC Rahoitus Oy's location municipality is Helsingfors. It is a limited company. The company was established on 2016-09-29. It operates in the industry of other credit granting. In its latest retained statement for 2023-12-31, revenue was €599,885 and operating profit was €364,725. The latest retained financial statement for 2023-12-31 shows revenue of €599,885 and profit for the financial year of €89,028. Based on the latest retained statement, revenue growth was -15.5%, operating margin was +60.8%, and equity ratio was +15.6%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2023-12-31

Imported periods2
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-15.5%
Operating margin60.8%
Equity ratio15.6%
Revenue€599,885-€110,433 (-15.5%) vs previous periodPrevious: €710,318
Operating profit (loss)€364,725+€2,767 (+0.8%) vs previous periodPrevious: €361,957
Profit (loss) for the financial year€89,028+€961 (+1.1%) vs previous periodPrevious: €88,068
Assets€3,770,620+€135,876 (+3.7%) vs previous periodPrevious: €3,634,744
Balance-sheet contextLatest financial period
Other operating income€840Previous: €840
Cash and bank€771,866Previous: €366,140
Retained earnings€490,933Previous: €402,865
Equity€589,961Previous: €500,933
Liabilities€3,180,659Previous: €3,133,812
Current assets€3,770,004Previous: €3,633,922
Current liabilities€3,180,659Previous: €3,133,812
Revenue trend2 periods
€710,318
2022-12-31
€599,885
2023-12-31
Operating profit (loss) trend2 periods
€361,957
2022-12-31
€364,725
2023-12-31
Profit (loss) for the financial year trend2 periods
€88,068
2022-12-31
€89,028
2023-12-31
Assets trend2 periods
€3,634,744
2022-12-31
€3,770,620
2023-12-31

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioPassable
20/100 · Improving
15.7 %2022-12-31: 13.8 %
Current ratioWeak
8/100 · Improving
0.24x2022-12-31: 0.12x
Operating profit marginGood
100/100 · Improving
60.7 %2022-12-31: 50.9 %
Ratio history
Ratio2022-12-312023-12-31
Equity ratio13.8 %15.7 %
Current ratio0.12x0.24x
Operating profit margin50.9 %60.7 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID2782924-9
EU IDFIFPRO.2782924-9
MunicipalityHelsingfors
Current registered entries
2016-09-19Registered in Tax Administration (Prepayment Register)
2016-09-29Registered in Patent and Registration Office (Trade Register)
2016-10-17Registered in Tax Administration (Tax Administration)

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
StableIC Rahoitus Oy
Grade downgradedA3 → B1 · new analysis 2026-10-05
Model score67/100
Assessment confidenceLow
Evidence qualityUsable financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
2 comparable periods
RevenueDeteriorating
ProfitabilityImproving
SolvencyStable
LiquidityStable
Peer comparisonSame size nationallyDescriptive comparison – does not change the model score.
265 peers
Solvency28%
Below 72% of peers
Profitability94%
Better than 94% of peers
Liquidity39%
Below 61% of peers
Revenue growth15%
Below 85% of peers
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings
Latest registration lag117 days after period end
Typical registration lag104 days after period end
Annual continuity2 consecutive periods
Supporting factors
  • Strong operating profitability
  • Active registered status
  • A newer financial statement filing has been reported
Risk factors to note
  • Parsed financial metrics are older than the newest reported filing
  • Weak current ratio
  • High balance-sheet leverage
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessments
B1
2026-10-05 16:2967/100 · v0.14
A3 → B1 · -5 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2023-12-31).
  • Assessment confidence: Medium → Low.
  • Evidence quality: Registry and statistical evidence → Usable financial evidence.
A3
2026-09-1572/100 · v0.14
B1 → A3 · +9 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
2026-09-1463/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB1
Automatic model snapshot2026-10-05
Automatic model versionopen-risk-grade-v0.14
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 riskvery low
89/100

Industry context is very low based on normalized open statistical inputs.

Age and continuityVakiintunut
80/100

The company has about 10 years of registry continuity.

Registry and status signalsSeurattava
65/100

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
5 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → B1.
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.

13 register eventsLatest event: 2025-08-12

Financial statements availability

Available financial statement periods and PRH source filings.

2 financial statement periodsLatest financial period: 2023-12-31

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

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