Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade C.Business profile
Jalo Huoneistot Oy
Jalo Huoneistot Oy's registered office is Kouvola. It is a limited company. The company was established on 2022-03-25. It operates in the industry of rental of own or leased dwellings and residential real estate. In its latest retained statement for 2025-12-31, revenue was €28,627 and operating profit was -€13,653.
Business ID 3276536-6ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3276536-6
- Sector
- Rental of own or leased dwellings and residential real estate
- Municipality
- Kouvola
- Company form
- Limited company
- Registration date
- 2022-03-25
- Business ID registration date
- 2022-03-24
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Hallituskatu 13 B, 45100, Kouvola
People and decision-makers
Virtanen Janne PetteriVarsinainen jäsen
Iivonen Jouni JuhaniVarajäsen
About Jalo Huoneistot Oy
Financial position and key figures for the company.
Jalo Huoneistot Oy's location municipality is Kouvola. It is a limited company. The company was established on 2022-03-25. It operates in the industry of rental of own or leased dwellings and residential real estate. In its latest retained statement for 2025-12-31, revenue was €28,627 and operating profit was -€13,653. The latest retained financial statement for 2025-12-31 shows revenue of €28,627 and profit for the financial year of €3,960. Based on the latest retained statement, revenue growth was -34.5%, operating margin was -47.7%, and equity ratio was +1.3%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Kiinteistöjen, asunto-osakkeiden ja liiketilojen hallintaan oikeuttavien osakkeiden hallinnointi, vuokraus, osto- ja myyntitoiminta. Kiinteistöjen jalostustoiminta.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
3
2
Combined source
Derived indicators
Revenue growth-34.5%
Operating margin-47.7%
Equity ratio1.3%
Balance-sheet contextLatest financial period
Cash and bank€8,582Previous: €15,491
Retained earnings€6,137Previous: €106
Profit before taxes-€15,039Previous: No comparison value
Equity€10,097Previous: €6,137
Liabilities€767,364Previous: €357,663
Current assets€8,587Previous: €15,491
Current liabilities€33,364Previous: €1,513
Employees0Previous: 0
Revenue trend3 periods
€5,125
2023-12-31
€43,725
2024-12-31
€28,627
2025-12-31
Operating profit (loss) trend3 periods
€106
2023-12-31
€7,563
2024-12-31
-€13,653
2025-12-31
Profit (loss) for the financial year trend3 periods
€106
2023-12-31
€6,031
2024-12-31
€3,960
2025-12-31
Assets trend3 periods
€130,756
2023-12-31
€363,800
2024-12-31
€777,461
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioWeak
2/100 · Declining
Current ratioWeak
9/100 · Declining
Operating profit marginWeak
0/100 · Declining
Ratio history
| Ratio | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Equity ratio | 0.1 % | 1.7 % | 1.3 % |
| Current ratio | - | 10.24x | 0.26x |
| Operating profit margin | 2.1 % | 17.3 % | -47.7 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3276536-6
EU IDFIFPRO.3276536-6
MunicipalityKouvola
Current registered entries
2022-03-24Registered in Tax Administration (Prepayment Register)
2022-03-25Registered in Tax Administration (Tax Administration)
2022-03-25Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Virtanen Janne PetteriVarsinainen jäsenSources: 5 · Confidence: 78%
Iivonen Jouni JuhaniVarajäsenSources: 2 · Confidence: 78%
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
C
Elevated riskJalo Huoneistot Oy
Grade unchangedC · new analysis 2026-10-17
32/100
High
Strong financial evidenceFinancial data included
Financial development has been volatile across multiple domains.
3 comparable periodsRevenueVolatile
ProfitabilityVolatile
SolvencyStable
Same industry and sizeDescriptive comparison – does not change the model score.
73 peersSolvency22%
Below 78% of peers
Profitability16%
Below 84% of peers
Liquidity64%
Better than 64% of peers
Revenue growth16%
Below 84% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings38 days after period end
214 days after period end
3 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
- Weak current ratio
- Negative profitability or net result
- Sharp year-over-year revenue drop
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsC
2026-10-1732/100 · v0.15
C → CC
2026-10-04 22:2332/100 · v0.14
B2 → C · -26 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.
B2
2026-09-1558/100 · v0.14
B2 → B2 · +1 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
2026-09-1457/100 · v0.12
Oldest retained automatic assessment in this comparisonC
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
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityNuori
35/100
The company has about 4 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 → C.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.
8 register eventsLatest event: 2026-02-07
Financial statements availability
Available financial statement periods and PRH source filings.
3 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
Jalo Huoneistot Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.