Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Intotalo Oy
Intotalo Oy's registered office is Kajaani. It is a limited company. The company was established on 2001-05-02. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €413,012 and operating profit was €12,901.
Business ID 1670700-0ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 1670700-0
- Sector
- Business and other management consultancy activities
- Municipality
- Kajaani
- Company form
- Limited company
- Registration date
- 2001-05-02
- Business ID registration date
- 2001-03-15
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kauppakatu 25 A, 87100, Kajaani
Website: https://www.intotalo.comSource observation
About Intotalo Oy
Financial position and key figures for the company.
Intotalo Oy's location municipality is Kajaani. It is a limited company. The company was established on 2001-05-02. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €413,012 and operating profit was €12,901. The latest retained financial statement for 2025-12-31 shows revenue of €413,012 and profit for the financial year of €10,278. Based on the latest retained statement, revenue growth was -38.2%, operating margin was +3.1%, and equity ratio was +59.6%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth-38.2%
Operating margin3.1%
Equity ratio59.6%
Balance-sheet contextLatest financial period
Other operating income€0Previous: €323
Cash and bank€130,048Previous: €204,765
Retained earnings€119,767Previous: €159,107
Equity€133,345Previous: €133,187
Liabilities€90,526Previous: €110,323
Current assets€220,014Previous: €238,810
Current liabilities€78,988Previous: €75,707
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
74/100 · Improving
Current ratioSatisfactory
55/100 · Declining
Operating profit marginSatisfactory
58/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID1670700-0
VAT IDFI16707000
EU IDFIFPRO.1670700-0
MunicipalityKajaani
Current registered entries
2001-03-06VAT-liable for business activity in Tax Administration (VAT Register)
2001-04-05Registered in Tax Administration (Tax Administration)
2001-04-18Registered in Tax Administration (Prepayment Register)
2001-05-02Registered in Patent and Registration Office (Trade Register)
2003-01-01Registered in Tax Administration (Employer 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
A3
GoodIntotalo Oy
Grade unchangedA3 · new analysis 2026-10-18
79/100
Medium
Usable financial evidenceFinancial data included
Same industry, size and age groupDescriptive comparison – does not change the model score.
104 peersSolvency42%
Below 58% of peers
Profitability38%
Below 62% of peers
Liquidity74%
Better than 74% of peers
Limited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings240 days after period end
240 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1879/100 · v0.15
A3 → A3A3
2026-09-27 19:0879/100 · v0.14
A3 → A3 · +5 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
2026-09-1574/100 · v0.14
B1 → A3 · +10 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
2026-09-1464/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
2026-10-18
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
72/100
Industry context is low based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 25 years of registry continuity.
Registry and status signalsVakaa
88/100
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.
28 register eventsLatest event: 2026-08-28
Financial statements availability
Available financial statement periods and PRH source filings.
1 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
Intotalo Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.