Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
JH Kumu Oy
JH Kumu Oy's registered office is Utsjoki. It is a limited company. The company was established on 2010-10-20. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2025-10-31, revenue was €403,743 and operating profit was -€12,860.
Business ID 2362583-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2362583-9
- Sector
- Construction of residential and non-residential buildings
- Municipality
- Utsjoki
- Company form
- Limited company
- Registration date
- 2010-10-20
- Business ID registration date
- 2010-10-07
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Ailigaslammentie 7, 99980, Utsjoki
Phone: +358447173195Source observation
Website: https://www.revontulilaavu.comSource observation
People and decision-makers
Koskenniemi Mika Harri KalervoVarsinainen jäsen
Koskenniemi Hannu KalervoVarajäsen
Risto PaunaPäävastuullinen tilintarkastaja
About JH Kumu Oy
Financial position and key figures for the company.
JH Kumu Oy's location municipality is Utsjoki. It is a limited company. The company was established on 2010-10-20. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2025-10-31, revenue was €403,743 and operating profit was -€12,860. The latest retained financial statement for 2025-10-31 shows revenue of €403,743 and profit for the financial year of -€13,831. Based on the latest retained statement, revenue growth was -18.3%, operating margin was -3.2%, and equity ratio was +35.7%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-10-31
0
0
Enriched source observation
Derived indicators
Revenue growth-18.3%
Operating margin-3.2%
Equity ratio35.7%
Revenue€403,743-€90,356 (-18.3%) vs previous periodPrevious: €494,099
Operating profit (loss)-€12,860-€38,969 (-149.3%) vs previous periodPrevious: €26,109
Profit (loss) for the financial year-€13,831-€38,603 (-155.8%) vs previous periodPrevious: €24,772
Assets€138,884-€23,833 (-14.6%) vs previous periodPrevious: €162,717
Balance-sheet contextLatest financial period
Profit before taxes-€13,831Previous: €24,772
Employees6Previous: 5
Revenue trend5 periods
€431,000
2021-12-31
€247,700
2022-10-31
€202,937
2023-10-31
€494,099
2024-10-31
€403,743
2025-10-31
Operating profit (loss) trend5 periods
-€1,000
2021-12-31
-€7,795
2022-10-31
-€6,310
2023-10-31
€26,109
2024-10-31
-€12,860
2025-10-31
Profit (loss) for the financial year trend5 periods
-€1,000
2021-12-31
-€7,979
2022-10-31
-€6,473
2023-10-31
€24,772
2024-10-31
-€13,831
2025-10-31
Assets trend5 periods
€154,000
2021-12-31
€129,279
2022-10-31
€116,413
2023-10-31
€162,717
2024-10-31
€138,884
2025-10-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioSatisfactory
45/100 · Declining
Current ratioPassable
19/100 · Declining
Operating profit marginWeak
42/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-10-31 | 2023-10-31 | 2024-10-31 | 2025-10-31 |
|---|---|---|---|---|---|
| Equity ratio | 1.9 % | 61.5 % | 58.1 % | 44.2 % | 35.7 % |
| Current ratio | 1.12x | 1.20x | 1.18x | 0.78x | 0.57x |
| Operating profit margin | -0.2 % | -3.2 % | -3.0 % | 5.3 % | -3.2 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2362583-9
VAT IDFI23625839
EU IDFIFPRO.2362583-9
MunicipalityUtsjoki
Current registered entries
2010-10-11VAT-obliged for the transfer of rights to use immovable property in Tax Administration (VAT Register)
2010-10-20Registered in Tax Administration (Tax Administration)
2010-10-20Registered in Patent and Registration Office (Trade Register)
2016-11-10VAT-liable for business activity in Tax Administration (VAT Register)
2016-11-10Registered in Tax Administration (Prepayment Register)
2021-10-01Registered in Tax Administration (Employer Register)
Responsible people
Public role relationships materialized from source observations.
Koskenniemi Mika Harri KalervoVarsinainen jäsenSources: 3 · Confidence: 78%
Koskenniemi Hannu KalervoVarajäsenSources: 2 · Confidence: 78%
Risto PaunaPäävastuullinen tilintarkastajaSources: 1 · Confidence: 76%
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
SatisfactoryJH Kumu Oy
Grade unchangedB2 · new analysis 2026-10-17
50/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
4 comparable periodsRevenueVolatile
ProfitabilityVolatile
Same industry, size and age groupDescriptive comparison – does not change the model score.
133 peersSolvency49%
Close to the peer-group midpoint
Profitability22%
Below 78% of peers
Liquidity57%
Better than 57% of peers
Revenue growth22%
Below 78% of peers
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
- Long registry continuity
Risk factors to note
- Weak current ratio
- Negative profitability or net result
- Coordinated deterioration across 2 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB2
2026-10-1750/100 · v0.15
B2 → B2 · -8 points- Revenue: Not enough history → Volatile
- Profitability: Not enough history → Volatile
- Solvency: Not enough history → Deteriorating
B2
2026-09-2558/100 · v0.14
Oldest retained automatic assessment in this comparisonB2
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 riskhigh
25/100
Industry context is high based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 15 years of registry continuity.
Registry and status signalsVakaa
81/100
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
25 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
19 register eventsLatest event: 2026-03-11
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-02-12.
This company profile has not been claimed yet
JH Kumu Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.