Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
JM & JM Finland Oy
JM & JM Finland Oy's registered office is Tampere. It is a limited company. The company was established on 2006-01-11. It operates in the industry of travel agency activities. In its latest retained statement for 2025-09-30, revenue was €3,107 and operating profit was -€605.
Business ID 2010280-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2010280-5
- Sector
- Travel agency activities
- Municipality
- Tampere
- Company form
- Limited company
- Registration date
- 2006-01-11
- Business ID registration date
- 2006-01-03
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Rongankatu 2 A 28, 33100, Tampere
Website: https://www.grafico.fiSource observation
About JM & JM Finland Oy
Financial position and key figures for the company.
JM & JM Finland Oy's location municipality is Tampere. It is a limited company. The company was established on 2006-01-11. It operates in the industry of travel agency activities. In its latest retained statement for 2025-09-30, revenue was €3,107 and operating profit was -€605. The latest retained financial statement for 2025-09-30 shows revenue of €3,107 and profit for the financial year of -€605. Based on the latest retained statement, revenue growth was -37.5%, operating margin was -19.5%, and equity ratio was +66.2%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-09-30
5
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-37.5%
Operating margin-19.5%
Equity ratio66.2%
Balance-sheet contextLatest financial period
Other operating income€256Previous: €0
Cash and bank€2,043Previous: €3,661
Retained earnings-€7,177Previous: -€9,070
Equity€2,219Previous: €2,823
Liabilities€1,133Previous: €1,174
Current assets€3,352Previous: €3,998
Current liabilities€1,133Previous: €1,174
Revenue trend2 periods
€4,970
2024-09-30
€3,107
2025-09-30
Operating profit (loss) trend2 periods
€1,956
2024-09-30
-€605
2025-09-30
Profit (loss) for the financial year trend2 periods
€1,893
2024-09-30
-€605
2025-09-30
Assets trend2 periods
€3,998
2024-09-30
€3,352
2025-09-30
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
83/100 · Declining
Current ratioSatisfactory
60/100 · Declining
Operating profit marginWeak
5/100 · Declining
Ratio history
| Ratio | 2024-09-30 | 2025-09-30 |
|---|---|---|
| Equity ratio | 70.6 % | 66.2 % |
| Current ratio | 3.12x | 1.80x |
| Operating profit margin | 39.4 % | -18.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2010280-5
VAT IDFI20102805
EU IDFIFPRO.2010280-5
MunicipalityTampere
Current registered entries
2006-01-01VAT-liable for business activity in Tax Administration (VAT Register)
2006-01-03Registered in Tax Administration (Prepayment Register)
2006-01-11Registered in Patent and Registration Office (Trade Register)
2006-02-06Registered in Tax Administration (Tax Administration)
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
StableJM & JM Finland Oy
Grade unchangedB1 · new analysis 2026-10-18
64/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
3 comparable periodsSolvencyStable
Same size nationallyDescriptive comparison – does not change the model score.
2238 peersSolvency58%
Better than 58% of peers
Profitability25%
Below 75% of peers
Liquidity76%
Better than 76% of peers
Revenue growth21%
Below 79% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings122 days after period end
122 days after period end
3 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Negative profitability or net result
- Sharp year-over-year revenue drop
- Coordinated deterioration across 3 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB1
2026-10-1864/100 · v0.15
B1 → B1B1
2026-09-25 18:1864/100 · v0.14
B1 → B1 · -5 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-09-30).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1569/100 · v0.14
B1 → B1 · +7 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.
B1
2026-09-1462/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
2026-10-18
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 risklow
71/100
Industry context is low based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 20 years of registry continuity.
Registry and status signalsVakaa
77/100
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 B1.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
14 register eventsLatest event: 2026-01-30
Financial statements availability
Available financial statement periods and PRH source filings.
5 financial statement periodsLatest financial period: 2025-09-30
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 & JM Finland Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.