Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
K & M Invest Oy
K & M Invest Oy's registered office is Helsingfors. It is a limited company. The company was established on 2021-11-01. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c..
Business ID 3216773-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3216773-7
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Helsingfors
- Company form
- Limited company
- Registration date
- 2021-11-01
- Business ID registration date
- 2021-06-03
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Ounasvaarankuja 3 C 36, 00970, Helsingfors
About K & M Invest Oy
Financial position and key figures for the company.
K & M Invest Oy's location municipality is Helsingfors. It is a limited company. The company was established on 2021-11-01. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +96.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
2
2
PRH/XBRL financial statement
Derived indicators
Equity ratio96.4%
Balance-sheet contextLatest financial period
Cash and bank€96,284Previous: €119,220
Retained earnings-€6,225Previous: -€3,246
Equity€130,056Previous: €132,260
Liabilities€4,791Previous: €4,050
Current assets€113,374Previous: €136,310
Current liabilities€4,791Previous: €4,050
Operating profit (loss) trend2 periods
-€2,979
2024-12-31
-€2,268
2025-12-31
Profit (loss) for the financial year trend2 periods
-€2,979
2024-12-31
-€2,204
2025-12-31
Assets trend2 periods
€136,310
2024-12-31
€134,846
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Declining
Current ratioGood
100/100 · Declining
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 97.0 % | 96.5 % |
| Current ratio | 29.43x | 20.10x |
| Operating profit margin | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3216773-7
EU IDFIFPRO.3216773-7
MunicipalityHelsingfors
Current registered entries
2021-11-01Registered in Patent and Registration Office (Trade Register)
2021-11-02Registered 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
A3
GoodK & M Invest Oy
Grade unchangedA3 · new analysis 2026-10-17
74/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
2 comparable periodsRevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
Same industry, size and age groupDescriptive comparison – does not change the model score.
42 peersSolvency71%
Better than 71% of peers
Liquidity76%
Better than 76% of peers
DelayedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings125 days after period end
269 days after period end
2 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
- Losses in the latest and previous available periods
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1774/100 · v0.15
A3 → A3A3
2026-09-17 13:2374/100 · v0.14
B1 → A3 · +12 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
2026-09-1462/100 · v0.14
B1 → B1B1
2026-09-1462/100 · v0.13
Oldest retained automatic assessment in this comparisonA3
2026-10-17
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 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
45/100
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
17 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
6 register eventsLatest event: 2026-05-05
Financial statements availability
Available financial statement periods and PRH source filings.
2 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
K & M Invest Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.