Business profile

JAT Vakuutuspalvelu Oy

JAT Vakuutuspalvelu Oy's registered office is Joensuu. It is a limited company. The company was established on 2021-12-10. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €0 and operating profit was -€190.

Claim profileContact details
Business ID 3253093-8ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3253093-8
Sector
Activities of insurance agents and brokers
Municipality
Joensuu
Company form
Limited company
Registration date
2021-12-10
Business ID registration date
2021-12-08
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Mastotie 4 B 10, 80160, Joensuu

People and decision-makers

Turunen Juha ArtoToimitusjohtaja

About JAT Vakuutuspalvelu Oy

Financial position and key figures for the company.

JAT Vakuutuspalvelu Oy's location municipality is Joensuu. It is a limited company. The company was established on 2021-12-10. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €0 and operating profit was -€190. The latest retained financial statement for 2025-12-31 shows revenue of €0 and profit for the financial year of -€314. Based on the latest retained statement, revenue growth was -100.0%, operating margin was +0.0%, and equity ratio was +100.0%.

Extended business activity

A longer directory- or registry-backed activity description that complements the short registry industry label.

Vakuutusten myynti, vakuutuspalvelut, urheiluvalmennus, urheiluseurakonsultointi, yrityskonsultointi, koulutustoiminta, taksiliiketoiminta, koneiden, laitteiden ja välineiden osto, myynti ja vuokraustoiminta, sekä kaikki muu laillinen liiketoiminta. Yhtiö voi omistaa, hallita, vuokata, ostaa ja myydä arvopapereita sekä kiinteistöjä

Financial highlights

Key figures from the latest financial period.

Latest financial period

2025-12-31

Imported periods0
PRH parsed0
Profile sourceEnriched source observation
Derived indicators
Revenue growth-100.0%
Operating margin0.0%
Equity ratio100.0%
Revenue€0-€1,230 (-100.0%) vs previous periodPrevious: €1,230
Operating profit (loss)-€190+€214 (+52.9%) vs previous periodPrevious: -€404
Profit (loss) for the financial year-€314+€115 (+26.8%) vs previous periodPrevious: -€429
Assets€1,000-€2,000 (-66.7%) vs previous periodPrevious: €3,000
Balance-sheet contextLatest financial period
Revenue trend4 periods
€27,503
2022-12-31
€4,350
2023-12-31
€1,230
2024-12-31
€0
2025-12-31
Operating profit (loss) trend4 periods
€4,161
2022-12-31
-€1,241
2023-12-31
-€404
2024-12-31
-€190
2025-12-31
Profit (loss) for the financial year trend4 periods
€3,328
2022-12-31
-€1,250
2023-12-31
-€429
2024-12-31
-€314
2025-12-31
Assets trend4 periods
€4,671
2022-12-31
€3,000
2023-12-31
€3,000
2024-12-31
€1,000
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.

Equity ratioGood
100/100 · Improving
100.0 %2024-12-31: 50.0 %
Current ratioWeak
0/100 · Declining
0.00x2024-12-31: 3.00x
Operating profit marginPassable
50/100 · Improving
0.0 %2024-12-31: -100.0 %
Ratio history
Ratio2022-12-312023-12-312024-12-312025-12-31
Equity ratio60.0 %66.7 %50.0 %100.0 %
Current ratio2.50x3.00x3.00x0.00x
Operating profit margin14.3 %-25.0 %-100.0 %0.0 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3253093-8
EU IDFIFPRO.3253093-8
MunicipalityJoensuu
Current registered entries
2021-12-10Registered in Tax Administration (Tax Administration)
2021-12-10Registered in Patent and Registration Office (Trade Register)

Responsible people

Public role relationships materialized from source observations.

Turunen Juha ArtoToimitusjohtajaSources: 4 · Confidence: 78%
Turunen Juha ArtoVarsinainen jäsenSources: 2 · Confidence: 78%
Turunen Toni MarkoVarajäsenSources: 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
B2
SatisfactoryJAT Vakuutuspalvelu Oy
Grade unchangedB2 · new analysis 2026-10-18
Model score59/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
4 comparable periods
RevenueDeteriorating · 3 consecutive periods
ProfitabilityVolatile
SolvencyVolatile
LiquidityDeteriorating
Peer comparisonSame industry and sizeDescriptive comparison – does not change the model score.
54 peers
Solvency98%
Better than 98% of peers
Profitability34%
Below 66% of peers
Liquidity16%
Below 84% of peers
Revenue growth0%
Below 100% of peers
Supporting factors
  • Strong equity ratio
  • Company context reduces the weight of an isolated financial signal
  • Active registered status
Risk factors to note
  • Weak current ratio
  • Negative profitability or net result
  • Losses in the latest and previous available periods
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessments
B2
2026-10-1859/100 · v0.15
B2 → B2 · +4 points
  • Revenue: Not enough history → Deteriorating
  • Profitability: Not enough history → Volatile
  • Solvency: Not enough history → Volatile
B2
2026-10-0555/100 · v0.14
Oldest retained automatic assessment in this comparison
Automatic model gradeB2
Automatic model snapshot2026-10-18
Automatic model versionopen-risk-grade-v0.15
Financial data included

The grade can use open digital financial statement data together with registry signals.

Verify 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 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
38/100

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
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.
Risk grade updatedRisk gradeEvidence verified
5 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.

Registry timeline

Trade register notifications shown on a timeline.

5 register eventsLatest event: 2025-11-05

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

JAT Vakuutuspalvelu Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.