Risk grade updatedRisk gradeEvidence verified
25 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.Business profile
J. Mannila Oy
J. Mannila Oy's registered office is Hämeenlinna. It is a limited company. The company was established on 2017-12-13. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €10,317 and operating profit was €57,682.
Business ID 2862636-3ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2862636-3
- Sector
- Activities of insurance agents and brokers
- Municipality
- Hämeenlinna
- Company form
- Limited company
- Registration date
- 2017-12-13
- Business ID registration date
- 2017-10-15
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Raatihuoneenkatu 17, 13100, Hämeenlinna
About J. Mannila Oy
Financial position and key figures for the company.
J. Mannila Oy's location municipality is Hämeenlinna. It is a limited company. The company was established on 2017-12-13. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €10,317 and operating profit was €57,682. The latest retained financial statement for 2025-12-31 shows revenue of €10,317 and profit for the financial year of €62,702. Based on the latest retained statement, revenue growth was +2192.6%, operating margin was +559.1%, and equity ratio was -2703.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth2192.6%
Operating margin559.1%
Equity ratio-2703.0%
Balance-sheet contextLatest financial period
Other operating income€35,151Previous: €27
Cash and bank€207Previous: €617
Retained earnings-€75,933Previous: -€64,648
Equity-€10,731Previous: -€73,433
Liabilities€11,128Previous: €74,768
Current assets€341Previous: €1,279
Current liabilities€11,128Previous: €74,768
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
0/100 · Improving
Current ratioWeak
1/100 · Improving
Operating profit marginGood
100/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2862636-3
EU IDFIFPRO.2862636-3
MunicipalityHämeenlinna
Current registered entries
2017-12-13Registered in Tax Administration (Tax Administration)
2017-12-13Registered in Patent and Registration Office (Trade Register)
2018-01-01Registered 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
B2
SatisfactoryJ. Mannila Oy
Grade downgradedB1 → B2 · new analysis 2026-09-25
52/100
Medium
Usable financial evidenceFinancial data included
Same size nationallyDescriptive comparison – does not change the model score.
351 peersSolvency1%
Below 99% of peers
Profitability100%
Better than 100% of peers
Liquidity41%
Below 59% 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 filings120 days after period end
120 days after period end
1 consecutive periods
Supporting factors
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
- Active registered status
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.
4 assessmentsB2
2026-09-25 22:3552/100 · v0.14
B1 → B2 · -15 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
2026-09-1567/100 · v0.14
B1 → B1 · +6 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
2026-09-1461/100 · v0.12
Oldest retained automatic assessment in this comparisonB2
2026-09-25
open-risk-grade-v0.14
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
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 8 years of registry continuity.
Registry and status signalsSeurattava
73/100
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.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
24 register eventsLatest event: 2026-04-30
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
J. Mannila Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.