Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Investment & Competence Oy
Investment & Competence Oy's registered office is Lahti. It is a limited company. The company was established on 2023-12-01. It operates in the industry of business and other management consultancy activities.
Business ID 3409144-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3409144-9
- Sector
- Business and other management consultancy activities
- Municipality
- Lahti
- Company form
- Limited company
- Registration date
- 2023-12-01
- Business ID registration date
- 2023-11-29
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Niemenkatu 73, 15140, Lahti
About Investment & Competence Oy
Financial position and key figures for the company.
Investment & Competence Oy's location municipality is Lahti. It is a limited company. The company was established on 2023-12-01. It operates in the industry of business and other management consultancy activities. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +100.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
2
2
PRH/XBRL financial statement
Derived indicators
Equity ratio100.0%
Balance-sheet contextLatest financial period
Cash and bank€15,441Previous: €29,552
Retained earnings-€3,561Previous: €0
Equity€4,556,907Previous: €596,388
Liabilities€340Previous: €2,108
Current assets€21,613Previous: €29,656
Current liabilities€340Previous: €2,108
Operating profit (loss) trend2 periods
-€3,561
2024-12-31
-€16,649
2025-12-31
Profit (loss) for the financial year trend2 periods
-€3,561
2024-12-31
-€16,078
2025-12-31
Assets trend2 periods
€598,496
2024-12-31
€4,557,247
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Improving
Current ratioGood
100/100 · Improving
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 99.7 % | 100.0 % |
| Current ratio | 14.02x | 45.44x |
| Operating profit margin | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3409144-9
VAT IDFI34091449
EU IDFIFPRO.3409144-9
MunicipalityLahti
Current registered entries
2023-11-29VAT-liable for business activity in Tax Administration (VAT Register)
2023-11-29Registered in Tax Administration (Prepayment Register)
2023-12-01Registered in Tax Administration (Tax Administration)
2023-12-01Registered 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
A3
GoodInvestment & Competence Oy
Grade unchangedA3 · new analysis 2026-10-17
70/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
2 comparable periodsRevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
LiquidityImproving
Same industry, size and age groupDescriptive comparison – does not change the model score.
35 peersSolvency77%
Better than 77% of peers
Liquidity74%
Better than 74% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings90 days after period end
81 days after period end
2 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
- Negative profitability or net result
- Losses in the latest and previous available periods
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1770/100 · v0.15
A3 → A3A3
2026-10-04 23:5370/100 · v0.14
B2 → A3 · +17 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.
B2
2026-09-1553/100 · v0.14
B2 → B2 · -2 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.
B2
2026-09-1455/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
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 risklow
72/100
Industry context is low based on normalized open statistical inputs.
Age and continuityNuori
15/100
The company has about 2 years of registry continuity.
Registry and status signalsRajallinen
50/100
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
4 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → A3.Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
11 register eventsLatest event: 2026-04-02
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 2026-04-02.
This company profile has not been claimed yet
Investment & Competence Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.