Risk grade updatedRisk gradeEvidence verified
19 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
Kalle Kilpiö Oy
Kalle Kilpiö Oy's registered office is Lappeenranta. It is a limited company. The company was established on 2023-12-20. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €44,458 and operating profit was -€169.
Business ID 3410456-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3410456-1
- Sector
- Activities of insurance agents and brokers
- Municipality
- Lappeenranta
- Company form
- Limited company
- Registration date
- 2023-12-20
- Business ID registration date
- 2023-12-05
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Raastuvankatu 16 B 3, 53100, Lappeenranta
Phone: +358503601595Source observation
Email: [email protected]Source observation
People and decision-makers
Kilpiö Kalle Matias PellervoToimitusjohtaja
About Kalle Kilpiö Oy
Financial position and key figures for the company.
Kalle Kilpiö Oy's location municipality is Lappeenranta. It is a limited company. The company was established on 2023-12-20. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €44,458 and operating profit was -€169. The latest retained financial statement for 2025-12-31 shows revenue of €44,458 and profit for the financial year of -€262. Based on the latest retained statement, revenue growth was not currently available, operating margin was -0.4%, and equity ratio was +78.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Operating margin-0.4%
Equity ratio78.0%
Revenue€44,458Previous comparison not availablePrevious: No comparison value
Operating profit (loss)-€169-€2,482 (-107.3%) vs previous periodPrevious: €2,313
Profit (loss) for the financial year-€262-€2,023 (-114.9%) vs previous periodPrevious: €1,761
Assets€1,921-€303 (-13.6%) vs previous periodPrevious: €2,224
Balance-sheet contextLatest financial period
Profit before taxes-€262Previous: €2,224
Employees1Previous: 1
Operating profit (loss) trend2 periods
€2,313
2024-12-31
-€169
2025-12-31
Profit (loss) for the financial year trend2 periods
€1,761
2024-12-31
-€262
2025-12-31
Assets trend2 periods
€2,224
2024-12-31
€1,921
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
98/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginWeak
49/100 · Trend unavailable
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 79.2 % | 78.0 % |
| Current ratio | - | - |
| Operating profit margin | - | -0.4 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3410456-1
EU IDFIFPRO.3410456-1
MunicipalityLappeenranta
Current registered entries
2023-12-05Registered in Tax Administration (Prepayment Register)
2023-12-20Registered in Tax Administration (Tax Administration)
2023-12-20Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Kilpiö Kalle Matias PellervoToimitusjohtajaSources: 5 · Confidence: 78%
Kilpiö Raita Kaisa TellervoVarajäsenSources: 3 · Confidence: 78%
Kilpiö Kalle Matias PellervoVarsinainen jäsenSources: 2 · Confidence: 78%
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
StableKalle Kilpiö Oy
Grade unchangedB1 · new analysis 2026-10-19
62/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
2 comparable periodsRevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
LiquidityNot enough history
Same industry and sizeDescriptive comparison – does not change the model score.
101 peersSolvency54%
Close to the peer-group midpoint
Profitability27%
Below 73% of peers
Supporting factors
- Strong equity ratio
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative profitability or net result
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB1
2026-10-1962/100 · v0.15
B1 → B1 · -1 points- Evidence quality: Strong financial evidence → Usable financial evidence.
B1
2026-10-0463/100 · v0.14
Oldest retained automatic assessment in this comparisonB1
2026-10-19
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 continuityNuori
15/100
The company has about 2 years of registry continuity.
Registry and status signalsRajallinen
43/100
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.Registry timeline
Trade register notifications shown on a timeline.
5 register eventsLatest event: 2026-04-24
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
Kalle Kilpiö Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.