Risk grade updatedRisk gradeEvidence verified
19 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Jan Kelo Oy
Jan Kelo Oy's registered office is Lahti. It is a limited company. The company was established on 2019-02-01. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2025-07-31, revenue was €0 and operating profit was -€687.
Business ID 2945704-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2945704-7
- Sector
- Other activities auxiliary to financial services, except insurance and pension funding
- Municipality
- Lahti
- Company form
- Limited company
- Registration date
- 2019-02-01
- Business ID registration date
- 2018-10-10
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Mattilanmäenpolku 1, 15140, Lahti
Website: https://www.jankelo.fiSource observation
People and decision-makers
Kelo Jan HenrikVarsinainen jäsen
Kelo Toni KullervoVarajäsen
Kelo Silja PäivikkiProkuristi
About Jan Kelo Oy
Financial position and key figures for the company.
Jan Kelo Oy's location municipality is Lahti. It is a limited company. The company was established on 2019-02-01. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2025-07-31, revenue was €0 and operating profit was -€687. The latest retained financial statement for 2025-07-31 shows revenue of €0 and profit for the financial year of €153. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +99.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-07-31
0
0
Enriched source observation
Derived indicators
Equity ratio99.9%
Revenue€0+€0 vs previous periodPrevious: €0
Operating profit (loss)-€687+€2,406 (+77.8%) vs previous periodPrevious: -€3,092
Profit (loss) for the financial year€153+€3,055 (+105.3%) vs previous periodPrevious: -€2,902
Assets€200,218-€99,841 (-33.3%) vs previous periodPrevious: €300,059
Balance-sheet contextLatest financial period
Profit before taxes€153Previous: -€2,902
Employees7Previous: No comparison value
Revenue trend5 periods
€1,300
2021-07-31
€0
2022-07-31
-€2,000
2023-07-31
€0
2024-07-31
€0
2025-07-31
Operating profit (loss) trend5 periods
-€26,374
2021-07-31
-€14,127
2022-07-31
€3,789
2023-07-31
-€3,092
2024-07-31
-€687
2025-07-31
Profit (loss) for the financial year trend5 periods
-€15,410
2021-07-31
-€11,354
2022-07-31
€5,542
2023-07-31
-€2,902
2024-07-31
€153
2025-07-31
Assets trend5 periods
€609,174
2021-07-31
€497,595
2022-07-31
€403,138
2023-07-31
€300,059
2024-07-31
€200,218
2025-07-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2021-07-31 | 2022-07-31 | 2023-07-31 | 2024-07-31 | 2025-07-31 |
|---|---|---|---|---|---|
| Equity ratio | 99.9 % | 99.9 % | 99.9 % | 99.9 % | 99.9 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | -130.3 % | - | 12.3 % | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2945704-7
VAT IDFI29457047
EU IDFIFPRO.2945704-7
MunicipalityLahti
Current registered entries
2019-02-01Registered in Tax Administration (Tax Administration)
2019-02-01Registered in Patent and Registration Office (Trade Register)
2019-02-02VAT-liable for business activity in Tax Administration (VAT Register)
2019-02-02Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Kelo Jan HenrikVarsinainen jäsenSources: 5 · Confidence: 78%
Kelo Toni KullervoVarajäsenSources: 2 · Confidence: 78%
Kelo Silja PäivikkiProkuristiSources: 1 · 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
A3
GoodJan Kelo Oy
Grade unchangedA3 · new analysis 2026-10-18
70/100
Medium
Limited financial evidenceRegistry and statistics based
Financial development is mostly stable or mixed.
4 comparable periodsRevenueImproving
ProfitabilityNot enough history
SolvencyStable
LiquidityNot enough history
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
- Sufficient structured financial metrics are not available
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA3
2026-10-1870/100 · v0.15
A3 → A3 · -4 points- Assessment confidence: Low → Medium.
- Evidence quality: Usable financial evidence → Limited financial evidence.
- New risk factor: Sufficient structured financial metrics are not available.
A3
2026-09-1974/100 · v0.14
Oldest retained automatic assessment in this comparisonA3
2026-10-18
open-risk-grade-v0.15
The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 assessment.
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 riskvery low
88/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 7 years of registry continuity.
Registry and status signalsSeurattava
63/100
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.
Registry timeline
Trade register notifications shown on a timeline.
11 register eventsLatest event: 2025-12-02
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
Jan Kelo Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.