Business profile

JRM Capital Oy

JRM Capital Oy's registered office is Kempele. It is a limited company. The company was established on 2022-09-28. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €34,159 and operating profit was €2,652.

Claim profileContact details
Business ID 3314546-8ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3314546-8
Sector
Other financial service activities, except insurance and pension funding n.e.c.
Municipality
Kempele
Company form
Limited company
Registration date
2022-09-28
Business ID registration date
2022-09-26
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Zatelliitintie 14, 90440, Kempele

About JRM Capital Oy

Financial position and key figures for the company.

JRM Capital Oy's location municipality is Kempele. It is a limited company. The company was established on 2022-09-28. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €34,159 and operating profit was €2,652. The latest retained financial statement for 2025-12-31 shows revenue of €34,159 and profit for the financial year of €1,987. Based on the latest retained statement, revenue growth was -65.2%, operating margin was +7.8%, and equity ratio was +92.6%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods3
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-65.2%
Operating margin7.8%
Equity ratio92.6%
Revenue€34,159-€63,897 (-65.2%) vs previous periodPrevious: €98,056
Operating profit (loss)€2,652-€12,476 (-82.5%) vs previous periodPrevious: €15,129
Profit (loss) for the financial year€1,987-€10,083 (-83.5%) vs previous periodPrevious: €12,070
Assets€19,414+€255 (+1.3%) vs previous periodPrevious: €19,158
Balance-sheet contextLatest financial period
Cash and bank€3,832Previous: €3,191
Retained earnings€15,987Previous: €3,917
Equity€17,974Previous: €15,987
Liabilities€1,440Previous: €3,172
Current assets€19,414Previous: €19,158
Current liabilities€1,440Previous: €3,172
Revenue trend2 periods
€98,056
2024-12-31
€34,159
2025-12-31
Operating profit (loss) trend2 periods
€15,129
2024-12-31
€2,652
2025-12-31
Profit (loss) for the financial year trend2 periods
€12,070
2024-12-31
€1,987
2025-12-31
Assets trend2 periods
€19,158
2024-12-31
€19,414
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioGood
100/100 · Improving
92.6 %2024-12-31: 83.5 %
Current ratioGood
89/100 · Improving
2.66x2024-12-31: 1.01x
Operating profit marginSatisfactory
69/100 · Declining
7.8 %2024-12-31: 15.4 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio83.5 %92.6 %
Current ratio1.01x2.66x
Operating profit margin15.4 %7.8 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3314546-8
VAT IDFI33145468
EU IDFIFPRO.3314546-8
MunicipalityKempele
Current registered entries
2022-09-28Registered in Patent and Registration Office (Trade Register)
2022-09-30Registered in Tax Administration (Tax Administration)
2023-11-02VAT-liable for business activity in Tax Administration (VAT Register)
2023-11-02Registered in Tax Administration (Prepayment 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
GoodJRM Capital Oy
Grade upgradedB1 → A3 · new analysis 2026-09-30
Model score73/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
3 comparable periods
RevenueDeteriorating
ProfitabilityDeteriorating
SolvencyImproving
LiquidityImproving
Peer comparisonSame size nationallyDescriptive comparison – does not change the model score.
427 peers
Solvency79%
Better than 79% of peers
Profitability65%
Better than 65% of peers
Liquidity81%
Better than 81% of peers
Revenue growth11%
Below 89% of peers
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings
Latest registration lag73 days after period end
Typical registration lag97 days after period end
Annual continuity3 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
  • Sharp year-over-year revenue drop
  • Coordinated deterioration across 2 financial domains
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessments
A3
2026-09-30 01:2773/100 · v0.14
B1 → A3 · +12 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1561/100 · v0.14
B2 → B1 · +2 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
2026-09-1459/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeA3
Automatic model snapshot2026-09-30
Automatic model versionopen-risk-grade-v0.14
Financial data included

The grade can use open digital financial statement data together with registry signals.

Verify 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 riskvery low
89/100

Industry context is very low based on normalized open statistical inputs.

Age and continuityNuori
35/100

The company has about 4 years of registry continuity.

Registry and status signalsRajallinen
47/100

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
30 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.
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 B2.

Registry timeline

Trade register notifications shown on a timeline.

5 register eventsLatest event: 2026-03-14

Financial statements availability

Available financial statement periods and PRH source filings.

3 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

JRM Capital Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.