Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
Insinööritoimisto Kovarak Oy
Insinööritoimisto Kovarak Oy's registered office is Kuopio. It is a limited company. The company was established on 2017-11-06. It operates in the industry of structural engineering design and technical consultancy. In its latest retained statement for 2025-12-31, revenue was €258,720 and operating profit was -€31,190.
Business ID 2864178-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2864178-2
- Sector
- Structural engineering design and technical consultancy
- Municipality
- Kuopio
- Company form
- Limited company
- Registration date
- 2017-11-06
- Business ID registration date
- 2017-10-23
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Puijonkatu 27 B 13, 70110, Kuopio
About Insinööritoimisto Kovarak Oy
Financial position and key figures for the company.
Insinööritoimisto Kovarak Oy's location municipality is Kuopio. It is a limited company. The company was established on 2017-11-06. It operates in the industry of structural engineering design and technical consultancy. In its latest retained statement for 2025-12-31, revenue was €258,720 and operating profit was -€31,190. The latest retained financial statement for 2025-12-31 shows revenue of €258,720 and profit for the financial year of -€31,187. Based on the latest retained statement, revenue growth was +3.4%, operating margin was -12.1%, and equity ratio was +52.2%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
5
1
PRH/XBRL financial statement
Derived indicators
Revenue growth3.4%
Operating margin-12.1%
Equity ratio52.2%
Balance-sheet contextLatest financial period
Cash and bank€47,251Previous: €84,579
Retained earnings€81,207Previous: €125,739
Equity€52,520Previous: €90,985
Liabilities€47,999Previous: €38,820
Current assets€99,184Previous: €128,024
Current liabilities€47,999Previous: €38,820
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
65/100 · Declining
Current ratioPassable
33/100 · Declining
Operating profit marginWeak
20/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2864178-2
VAT IDFI28641782
EU IDFIFPRO.2864178-2
MunicipalityKuopio
Current registered entries
2017-11-06Registered in Tax Administration (Employer Register)
2017-11-06VAT-liable for business activity in Tax Administration (VAT Register)
2017-11-06Registered in Tax Administration (Prepayment Register)
2017-11-06Registered in Tax Administration (Tax Administration)
2017-11-06Registered 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
B2
SatisfactoryInsinööritoimisto Kovarak Oy
Grade unchangedB2 · new analysis 2026-10-17
59/100
Medium
Usable financial evidenceFinancial data included
Same industry, size and age groupDescriptive comparison – does not change the model score.
34 peersSolvency32%
Below 68% of peers
Profitability9%
Below 91% of peers
Liquidity56%
Better than 56% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings174 days after period end
174 days after period end
3 consecutive periods
Supporting factors
- Strong equity ratio
- Active registered status
Risk factors to note
- Weak current ratio
- Negative profitability or net result
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB2
2026-10-1759/100 · v0.15
B2 → B2B2
2026-09-17 05:0059/100 · v0.14
B1 → B2 · -2 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.
B1
2026-09-1461/100 · v0.14
B1 → B1B1
2026-09-1461/100 · v0.13
Oldest retained automatic assessment in this comparisonB2
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 riskmedium
62/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 8 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
17 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
10 register eventsLatest event: 2025-09-02
Financial statements availability
Available financial statement periods and PRH source filings.
5 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
Insinööritoimisto Kovarak Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.