Risk grade updatedRisk gradeEvidence verified
16 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → C.Business profile
JM Capital Oy
JM Capital Oy's registered office is Jyväskylä. It is a limited company. The company was established on 2020-07-23. It operates in the industry of rental of own or leased dwellings and residential real estate. In its latest retained statement for 2025-12-31, revenue was €123,668 and operating profit was -€571.
Business ID 3147087-3ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3147087-3
- Sector
- Rental of own or leased dwellings and residential real estate
- Municipality
- Jyväskylä
- Company form
- Limited company
- Registration date
- 2020-07-23
- Business ID registration date
- 2020-07-13
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Purilas 10 A 49, 40100, Jyväskylä
Website: https://jmcapital.fiSource observation
About JM Capital Oy
Financial position and key figures for the company.
JM Capital Oy's location municipality is Jyväskylä. It is a limited company. The company was established on 2020-07-23. It operates in the industry of rental of own or leased dwellings and residential real estate. In its latest retained statement for 2025-12-31, revenue was €123,668 and operating profit was -€571. The latest retained financial statement for 2025-12-31 shows revenue of €123,668 and profit for the financial year of -€21,233. Based on the latest retained statement, revenue growth was -46.5%, operating margin was -0.5%, and equity ratio was -77.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth-46.5%
Operating margin-0.5%
Equity ratio-77.0%
Balance-sheet contextLatest financial period
Other operating income€9,405Previous: €300
Inventory€131,950Previous: €233,450
Retained earnings-€117,123Previous: -€56,904
Equity-€106,756Previous: -€85,523
Liabilities€245,476Previous: €332,574
Current assets€138,721Previous: €233,450
Current liabilities€18,147Previous: €22,747
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
0/100 · Declining
Current ratioGood
100/100 · Declining
Operating profit marginWeak
49/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3147087-3
VAT IDFI31470873
EU IDFIFPRO.3147087-3
MunicipalityJyväskylä
Current registered entries
2020-07-13Registered in Tax Administration (Prepayment Register)
2020-07-23Registered in Tax Administration (Tax Administration)
2020-07-23Registered in Patent and Registration Office (Trade Register)
2025-03-28VAT-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
C
Elevated riskJM Capital Oy
Grade unchangedC · new analysis 2026-10-18
39/100
Medium
Usable financial evidenceFinancial data included
Same industry, size and age groupDescriptive comparison – does not change the model score.
31 peersSolvency0%
Below 100% of peers
Profitability6%
Below 94% of peers
Liquidity94%
Better than 94% 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 filings286 days after period end
286 days after period end
1 consecutive periods
Supporting factors
- Healthy short-term liquidity
- Active registered status
- Lower industry distress context
Risk factors to note
- Negative equity
- Negative profitability or net result
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsC
2026-10-1839/100 · v0.15
C → CC
2026-10-16 07:4739/100 · v0.14
B1 → C · -25 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.
B1
2026-10-1164/100 · v0.14
Oldest retained automatic assessment in this comparisonC
2026-10-18
open-risk-grade-v0.15
The grade can use open digital financial statement data together with registry signals.
A serious financial risk signal affects this grade. Review the profile financial indicators as well.
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 6 years of registry continuity.
Registry and status signalsSeurattava
59/100
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
11 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Financial statement availableFinancialEvidence verified
31 Dec 2025 · PRH / XBRLFinancial period ends 2025-12-31.Registry timeline
Trade register notifications shown on a timeline.
9 register eventsLatest event: 2025-11-25
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
JM Capital Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.