Risk grade updatedRisk gradeEvidence verified
23 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → A3.Business profile
Jesemik Oy
Jesemik Oy's registered office is Lahti. It is a limited company. The company was established on 2025-04-18. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €97,420 and operating profit was €18,380.
Business ID 3527728-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3527728-8
- Sector
- Activities of insurance agents and brokers
- Municipality
- Lahti
- Company form
- Limited company
- Registration date
- 2025-04-18
- Business ID registration date
- 2025-04-16
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Ruoriniemenkatu 1c A 39, 15140, Lahti
About Jesemik Oy
Financial position and key figures for the company.
Jesemik Oy's location municipality is Lahti. It is a limited company. The company was established on 2025-04-18. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €97,420 and operating profit was €18,380. The latest retained financial statement for 2025-12-31 shows revenue of €97,420 and profit for the financial year of €14,654. Based on the latest retained statement, revenue growth was not currently available, operating margin was +18.9%, and equity ratio was +67.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Operating margin18.9%
Equity ratio67.0%
Balance-sheet contextLatest financial period
Cash and bank€19,825Previous: No comparison value
Equity€14,654Previous: No comparison value
Liabilities€7,216Previous: No comparison value
Current assets€21,870Previous: No comparison value
Current liabilities€7,216Previous: No comparison value
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
84/100 · Trend unavailable
Current ratioGood
92/100 · Trend unavailable
Operating profit marginGood
97/100 · Trend unavailable
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3527728-8
VAT IDFI35277288
EU IDFIFPRO.3527728-8
MunicipalityLahti
Current registered entries
2025-04-16Registered in Tax Administration (Prepayment Register)
2025-04-18Registered in Patent and Registration Office (Trade Register)
2025-04-22Registered in Tax Administration (Tax Administration)
2025-09-01VAT-liable for business activity in Tax Administration (VAT 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
GoodJesemik Oy
Grade upgradedB2 → A3 · new analysis 2026-09-23
78/100
Medium
Usable financial evidenceFinancial data included
Same size nationallyDescriptive comparison – does not change the model score.
422 peersSolvency55%
Better than 55% of peers
Profitability73%
Better than 73% of peers
Liquidity78%
Better than 78% 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 filings80 days after period end
80 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Healthy short-term liquidity
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsA3
2026-09-23 00:3378/100 · v0.14
B2 → A3 · +28 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
2026-09-1550/100 · v0.14
B2 → B2 · -4 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
2026-09-1354/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
2026-09-23
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 continuityNuori
10/100
The company has about 1 years of registry continuity.
Registry and status signalsRajallinen
35/100
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 B2.Risk grade updatedRisk gradeEvidence verified
13 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
3 register eventsLatest event: 2026-03-21
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
Jesemik Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.