Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade C.Business profile
Kärpänen Invest Oy
Kärpänen Invest Oy's registered office is Vanda. It is a limited company. The company was established on 2021-07-01. It operates in the industry of operating of own or leased dwellings and residential real estate. In its latest retained statement for 2025-12-31, revenue was €12,000 and operating profit was -€2,000.
Business ID 3215911-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3215911-2
- Sector
- Operating of own or leased dwellings and residential real estate
- Municipality
- Vanda
- Company form
- Limited company
- Registration date
- 2021-07-01
- Business ID registration date
- 2021-06-02
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Timanttikiteenkuja 10 B 25, 01700, Vanda
People and decision-makers
Kärpänen Jussi MattiToimitusjohtaja
About Kärpänen Invest Oy
Financial position and key figures for the company.
Kärpänen Invest Oy's location municipality is Vanda. It is a limited company. The company was established on 2021-07-01. It operates in the industry of operating of own or leased dwellings and residential real estate. In its latest retained statement for 2025-12-31, revenue was €12,000 and operating profit was -€2,000. The latest retained financial statement for 2025-12-31 shows revenue of €12,000 and profit for the financial year of -€2,000. Based on the latest retained statement, revenue growth was -66.7%, operating margin was -16.7%, and equity ratio was +13.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
3
2
Combined source
Derived indicators
Revenue growth-66.7%
Operating margin-16.7%
Equity ratio13.4%
Balance-sheet contextLatest financial period
Employees1Previous: No comparison value
Revenue trend5 periods
€0
2021-12-31
€16,000
2022-12-31
€15,715
2023-12-31
€36,028
2024-12-31
€12,000
2025-12-31
Operating profit (loss) trend5 periods
-€2,000
2021-12-31
-€1,000
2022-12-31
€6,353
2023-12-31
€24,672
2024-12-31
-€2,000
2025-12-31
Profit (loss) for the financial year trend5 periods
-€2,000
2021-12-31
-€1,000
2022-12-31
€6,353
2023-12-31
€18,672
2024-12-31
-€2,000
2025-12-31
Assets trend5 periods
€0
2021-12-31
€89,000
2022-12-31
€130,775
2023-12-31
€137,023
2024-12-31
€134,000
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioWeak
17/100 · Declining
Current ratioWeak
0/100 · Declining
Operating profit marginWeak
8/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | -100.0 % | -3.3 % | 2.7 % | 16.2 % | 13.4 % |
| Current ratio | 0.00x | 0.03x | 0.01x | 0.04x | 0.01x |
| Operating profit margin | 0.0 % | -6.3 % | 40.4 % | 68.5 % | -16.7 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3215911-2
VAT IDFI32159112
EU IDFIFPRO.3215911-2
MunicipalityVanda
Current registered entries
2021-07-01VAT-liable for business activity in Tax Administration (VAT Register)
2021-07-01Registered in Tax Administration (Tax Administration)
2021-07-01Registered in Patent and Registration Office (Trade Register)
2022-05-01VAT-obliged for the transfer of rights to use immovable property in Tax Administration (VAT Register)
2024-07-02Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Kärpänen Jussi MattiToimitusjohtajaSources: 2 · Confidence: 78%
Kärpänen Jussi MattiVarsinainen jäsenSources: 1 · Confidence: 78%
Kärpänen Tuuli KatriinaVarajäsenSources: 1 · 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
C
Elevated riskKärpänen Invest Oy
Grade downgradedB1 → C · new analysis 2026-10-18
38/100
High
Strong financial evidenceFinancial data included
Financial development has been volatile across multiple domains.
4 comparable periodsRevenueVolatile
ProfitabilityVolatile
SolvencyImproving
LiquidityStable
Same industry, size and age groupDescriptive comparison – does not change the model score.
68 peersSolvency41%
Below 59% of peers
Profitability22%
Below 78% of peers
Liquidity40%
Below 60% of peers
Revenue growth15%
Below 85% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings274 days after period end
150 days after period end
3 consecutive periods
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- Lower industry distress context
Risk factors to note
- Weak current ratio
- Negative profitability or net result
- Sharp year-over-year revenue drop
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsC
2026-10-1838/100 · v0.15
B1 → C · -30 points- Revenue: Improving → Volatile
- Profitability: Improving → Volatile
- New risk factor: Negative profitability or net result.
B1
2026-09-25 05:5268/100 · v0.14
B1 → B1 · +5 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2024-12-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong 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 comparisonC
2026-10-18
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 signalsSeurattava
55/100
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.
Financial statement availableFinancialEvidence verified
1 Oct 2026 · PRH / XBRLFinancial period ends 2025-12-31.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.
8 register eventsLatest event: 2025-05-24
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
Kärpänen Invest Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.