Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Business profile
Insinööritoimisto Saloy Oy
Insinööritoimisto Saloy Oy's registered office is Helsingfors. It is a limited company. The company was established on 1978-09-22. It operates in the industry of wholesale of plumbing and heating equipment and supplies. In its latest retained statement for 2025-12-31, revenue was €22,290 and operating profit was €1,027.
Business ID 0283365-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0283365-5
- Sector
- Wholesale of plumbing and heating equipment and supplies
- Municipality
- Helsingfors
- Company form
- Limited company
- Registration date
- 1978-09-22
- Business ID registration date
- 1979-02-28
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: SOPULITIE 2 B, 00800, Helsingfors
About Insinööritoimisto Saloy Oy
Financial position and key figures for the company.
Insinööritoimisto Saloy Oy's location municipality is Helsingfors. It is a limited company. The company was established on 1978-09-22. It operates in the industry of wholesale of plumbing and heating equipment and supplies. In its latest retained statement for 2025-12-31, revenue was €22,290 and operating profit was €1,027. The latest retained financial statement for 2025-12-31 shows revenue of €22,290 and profit for the financial year of €1,002. Based on the latest retained statement, revenue growth was +101.4%, operating margin was +4.6%, and equity ratio was -788.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth101.4%
Operating margin4.6%
Equity ratio-788.4%
Balance-sheet contextLatest financial period
Cash and bank€5,172Previous: €2,694
Retained earnings-€232,300Previous: -€234,112
Equity-€166,125Previous: -€167,127
Liabilities€187,195Previous: €186,950
Current assets€20,618Previous: €19,219
Current liabilities€166,195Previous: €165,950
Revenue trend2 periods
€11,067
2024-12-31
€22,290
2025-12-31
Operating profit (loss) trend2 periods
€1,863
2024-12-31
€1,027
2025-12-31
Profit (loss) for the financial year trend2 periods
€1,812
2024-12-31
€1,002
2025-12-31
Assets trend2 periods
€19,822
2024-12-31
€21,071
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
0/100 · Improving
Current ratioWeak
1/100 · Stable
Operating profit marginSatisfactory
62/100 · Declining
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | -843.1 % | -788.4 % |
| Current ratio | 0.02x | 0.03x |
| Operating profit margin | 16.8 % | 4.6 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0283365-5
VAT IDFI02833655
EU IDFIFPRO.0283365-5
MunicipalityHelsingfors
Current registered entries
1978-09-22Registered in Patent and Registration Office (Trade Register)
1979-02-28Registered in Tax Administration (Tax Administration)
1994-06-01VAT-liable for business activity in Tax Administration (VAT Register)
1996-03-01Registered 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
B3
MonitorInsinööritoimisto Saloy Oy
Grade unchangedB3 · new analysis 2026-10-19
47/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
2 comparable periodsRevenueImproving
SolvencyImproving
LiquidityStable
Same industry, size and age groupDescriptive comparison – does not change the model score.
138 peersSolvency5%
Below 95% of peers
Profitability59%
Better than 59% of peers
Liquidity58%
Better than 58% of peers
Revenue growth93%
Better than 93% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings114 days after period end
149 days after period end
2 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
- Weak current ratio
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB3
2026-10-1947/100 · v0.15
B3 → B3B3
2026-10-1747/100 · v0.15
B3 → B3 · -1 pointsB3
2026-09-15 13:3148/100 · v0.14
B1 → B3 · -19 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.
B1
2026-09-1467/100 · v0.14
Oldest retained automatic assessment in this comparisonB3
2026-10-19
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 riskelevated
43/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 48 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
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B3.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: 2026-04-24
Financial statements availability
Available financial statement periods and PRH source filings.
2 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 Saloy Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.