Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Kaivinvest Oy
Kaivinvest Oy's registered office is Tervola. It is a limited company. The company was established on 2021-09-13. It operates in the industry of rental and operating of own or leased non-residential real estate. In its latest retained statement for 2025-08-31, revenue was €52,924 and operating profit was €7,401.
Business ID 3234444-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3234444-9
- Sector
- Rental and operating of own or leased non-residential real estate
- Municipality
- Tervola
- Company form
- Limited company
- Registration date
- 2021-09-13
- Business ID registration date
- 2021-09-08
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Vuolukantie 5, 95300, Tervola
Phone: +358449851385Source observation
Website: https://kampaamolivia.fiSource observation
Instagram profile: https://www.instagram.com/tmiidamariamakivuotiSource: company website
Instagram profile: https://www.instagram.com/kampaamoliviaSource: company website
People and decision-makers
Kainulainen Vili Erkki EliasToimitusjohtaja
About Kaivinvest Oy
Financial position and key figures for the company.
Kaivinvest Oy's location municipality is Tervola. It is a limited company. The company was established on 2021-09-13. It operates in the industry of rental and operating of own or leased non-residential real estate. In its latest retained statement for 2025-08-31, revenue was €52,924 and operating profit was €7,401. The latest retained financial statement for 2025-08-31 shows revenue of €52,924 and profit for the financial year of €3,959. Based on the latest retained statement, revenue growth was +35.4%, operating margin was +13.9%, and equity ratio was +47.8%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiö voi harjoittaa kaikkea laillista liiketoimintaa.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-08-31
1
1
Combined source
Derived indicators
Revenue growth35.4%
Operating margin13.9%
Equity ratio47.8%
Balance-sheet contextLatest financial period
Other operating income€478Previous: €984
Cash and bank€6,494Previous: €7,618
Retained earnings€7,427Previous: €6,281
Profit before taxes€5,912Previous: No comparison value
Equity€11,386Previous: €7,427
Liabilities€12,438Previous: €13,453
Current assets€8,059Previous: €9,527
Current liabilities€9,112Previous: €8,267
Employees1Previous: 1
Revenue trend4 periods
€28,464
2022-08-31
€28,150
2023-08-31
€39,098
2024-08-31
€52,924
2025-08-31
Operating profit (loss) trend4 periods
€3,032
2022-08-31
€11,340
2023-08-31
€2,680
2024-08-31
€7,401
2025-08-31
Profit (loss) for the financial year trend4 periods
€2,425
2022-08-31
€7,419
2023-08-31
€1,146
2024-08-31
€3,959
2025-08-31
Assets trend4 periods
€15,919
2022-08-31
€22,217
2023-08-31
€20,881
2024-08-31
€23,824
2025-08-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioSatisfactory
60/100 · Improving
Current ratioPassable
24/100 · Declining
Operating profit marginGood
85/100 · Improving
Ratio history
| Ratio | 2022-08-31 | 2023-08-31 | 2024-08-31 | 2025-08-31 |
|---|---|---|---|---|
| Equity ratio | 15.2 % | 44.3 % | 35.6 % | 47.8 % |
| Current ratio | - | - | - | 0.71x |
| Operating profit margin | 10.4 % | 37.4 % | 6.7 % | 13.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3234444-9
VAT IDFI32344449
EU IDFIFPRO.3234444-9
MunicipalityTervola
Current registered entries
2021-09-08VAT-liable for business activity in Tax Administration (VAT Register)
2021-09-13Registered in Patent and Registration Office (Trade Register)
2021-09-14Registered in Tax Administration (Tax Administration)
2022-12-10Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Kainulainen Vili Erkki EliasToimitusjohtajaSources: 3 · Confidence: 78%
Kainulainen Vili Erkki EliasVarsinainen jäsenSources: 2 · Confidence: 78%
Antti KolaHallitus: varajäsenSources: 1 · Confidence: 76%
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
GoodKaivinvest Oy
Grade unchangedA3 · new analysis 2026-10-17
76/100
High
Strong financial evidenceFinancial data included
Financial development has been volatile across multiple domains.
4 comparable periodsRevenueImproving · 2 consecutive periods
ProfitabilityVolatile
SolvencyVolatile
LiquidityNot enough history
Same industry, size and age groupDescriptive comparison – does not change the model score.
62 peersSolvency66%
Better than 66% of peers
Profitability50%
Close to the peer-group midpoint
Liquidity69%
Better than 69% of peers
Revenue growth85%
Better than 85% 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 filings23 days after period end
23 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Weak current ratio
- Material volatility across multiple financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1776/100 · v0.15
A3 → A3 · +3 points- Revenue: Not enough history → Improving
- Profitability: Not enough history → Volatile
- Solvency: Not enough history → Volatile
A3
2026-10-04 17:4373/100 · v0.14
B1 → A3 · +10 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-08-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1563/100 · v0.14
B1 → B1 · +3 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
2026-09-1460/100 · v0.12
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 risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 5 years of registry continuity.
Registry and status signalsRajallinen
54/100
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
4 Oct 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 B1.Registry timeline
Trade register notifications shown on a timeline.
7 register eventsLatest event: 2025-09-23
Financial statements availability
Available financial statement periods and PRH source filings.
1 financial statement periodsLatest financial period: 2025-08-31
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
Kaivinvest Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.