Risk grade updatedRisk gradeEvidence verified
19 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
JH Vakuutuspalvelu Oy
JH Vakuutuspalvelu Oy's registered office is Kajaani. It is a limited company. The company was established on 2021-08-05. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €98 and operating profit was €335.
Business ID 3226941-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3226941-8
- Sector
- Activities of insurance agents and brokers
- Municipality
- Kajaani
- Company form
- Limited company
- Registration date
- 2021-08-05
- Business ID registration date
- 2021-08-03
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Myötärinteentie 33, 87500, Kajaani
Phone: +358453515288Source observation
Email: [email protected]Source observation
People and decision-makers
Huttu Joonas AnteroToimitusjohtaja
About JH Vakuutuspalvelu Oy
Financial position and key figures for the company.
JH Vakuutuspalvelu Oy's location municipality is Kajaani. It is a limited company. The company was established on 2021-08-05. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €98 and operating profit was €335. Based on the latest retained statement, revenue growth was -99.9%, operating margin was +341.8%, and equity ratio was not currently available.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth-99.9%
Operating margin341.8%
Revenue€98-€90,613 (-99.9%) vs previous periodPrevious: €90,711
Operating profit (loss)€335-€1,591 (-82.6%) vs previous periodPrevious: €1,926
Assets€41-€11,064 (-99.6%) vs previous periodPrevious: €11,105
Balance-sheet contextLatest financial period
Employees1Previous: 1
Revenue trend4 periods
€64,242
2022-12-31
€72,527
2023-12-31
€90,711
2024-12-31
€98
2025-12-31
Operating profit (loss) trend4 periods
€9,907
2022-12-31
€165
2023-12-31
€1,926
2024-12-31
€335
2025-12-31
Profit (loss) for the financial year trend3 periods
€7,927
2022-12-31
€53
2023-12-31
€1,394
2024-12-31
Assets trend4 periods
€10,903
2022-12-31
€10,760
2023-12-31
€11,105
2024-12-31
€41
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioNot assessable
0/100 · Trend unavailable
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Equity ratio | 72.7 % | 74.2 % | 84.8 % | - |
| Current ratio | - | - | - | - |
| Operating profit margin | 15.4 % | 0.2 % | 2.1 % | 341.8 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3226941-8
EU IDFIFPRO.3226941-8
MunicipalityKajaani
Current registered entries
2021-08-03Registered in Tax Administration (Prepayment Register)
2021-08-05Registered in Tax Administration (Tax Administration)
2021-08-05Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Huttu Joonas AnteroToimitusjohtajaSources: 5 · Confidence: 78%
Huttu Joonas AnteroVarsinainen jäsenSources: 2 · Confidence: 78%
Kinnunen Otto PetteriVarajäsenSources: 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
B1
StableJH Vakuutuspalvelu Oy
Grade unchangedB1 · new analysis 2026-10-19
63/100
Medium
Limited financial evidenceRegistry and statistics based
Financial development is mostly stable or mixed.
4 comparable periodsRevenueVolatile
ProfitabilityImproving
SolvencyNot enough history
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 assessmentsB1
2026-10-1963/100 · v0.15
B1 → B1B1
2026-09-2963/100 · v0.14
Oldest retained automatic assessment in this comparisonB1
2026-10-19
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 risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 5 years of registry continuity.
Registry and status signalsRajallinen
49/100
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
29 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
6 register eventsLatest event: 2026-04-28
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
JH Vakuutuspalvelu Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.