Risk grade updatedRisk gradeEvidence verified
16 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.Business profile
JVpersonal Oy
JVpersonal Oy's registered office is Esbo. It is a limited company. The company was established on 2014-02-07. It operates in the industry of other sport activities n.e.c.. In its latest retained statement for 2020-12-31, revenue was €33,993 and operating profit was €2,594.
Business ID 2600946-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2600946-8
- Sector
- Other sport activities n.e.c.
- Municipality
- Esbo
- Company form
- Limited company
- Registration date
- 2014-02-07
- Business ID registration date
- 2014-01-28
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Päivätie 16 C 6, 02210, Esbo
About JVpersonal Oy
Financial position and key figures for the company.
JVpersonal Oy's location municipality is Esbo. It is a limited company. The company was established on 2014-02-07. It operates in the industry of other sport activities n.e.c.. In its latest retained statement for 2020-12-31, revenue was €33,993 and operating profit was €2,594. The latest retained financial statement for 2020-12-31 shows revenue of €33,993 and profit for the financial year of €2,434. Based on the latest retained statement, revenue growth was -12.1%, operating margin was +7.6%, and equity ratio was +35.3%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2020-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth-12.1%
Operating margin7.6%
Equity ratio35.3%
Balance-sheet contextLatest financial period
Other operating income€12,000Previous: €30
Cash and bank€9,804Previous: €8,246
Retained earnings-€1,018Previous: €5,995
Equity€3,916Previous: €1,482
Liabilities€7,166Previous: €7,616
Current assets€11,082Previous: €9,098
Current liabilities€4,968Previous: €4,294
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioSatisfactory
44/100 · Improving
Current ratioSatisfactory
66/100 · Improving
Operating profit marginSatisfactory
64/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2600946-8
VAT IDFI26009468
EU IDFIFPRO.2600946-8
MunicipalityEsbo
Current registered entries
2014-02-01VAT-liable for business activity in Tax Administration (VAT Register)
2014-02-01Registered in Tax Administration (Prepayment Register)
2014-02-07Registered in Tax Administration (Tax Administration)
2014-02-07Registered in Patent and Registration Office (Trade 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
GoodJVpersonal Oy
Grade upgradedB1 → A3 · new analysis 2026-09-16
71/100
Low
Usable financial evidenceFinancial data included
Same size nationallyDescriptive comparison – does not change the model score.
698 peersSolvency35%
Below 65% of peers
Profitability59%
Better than 59% of peers
Liquidity91%
Better than 91% 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 filings76 days after period end
76 days after period end
1 consecutive periods
Supporting factors
- Healthy short-term liquidity
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Parsed financial metrics are older than the newest reported filing
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-09-16 23:1971/100 · v0.14
B1 → A3 · +2 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2020-12-31).
- Assessment confidence: Medium → Low.
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1469/100 · v0.14
B1 → B1B1
2026-09-1469/100 · v0.13
B1 → B1 · +9 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
2026-09-1360/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
2026-09-16
open-risk-grade-v0.14
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 riskmedium
55/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 12 years of registry continuity.
Registry and status signalsVakaa
76/100
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
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
14 register eventsLatest event: 2026-02-11
Financial statements availability
Available financial statement periods and PRH source filings.
1 financial statement periodsLatest financial period: 2020-12-31
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
JVpersonal Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.