Risk grade updatedRisk gradeEvidence verified
1 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.Business profile
Karu Store & Studio Oy
Karu Store & Studio Oy's registered office is Iisalmi. It is a limited company. The company was established on 2010-03-01. It operates in the industry of retail sale of clothing without specialisation on any specific product group. In its latest retained statement for 2026-02-28, revenue was €1,037,396 and operating profit was -€63,058.
Business ID 2318366-3ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2318366-3
- Sector
- Retail sale of clothing without specialisation on any specific product group
- Municipality
- Iisalmi
- Company form
- Limited company
- Registration date
- 2010-03-01
- Business ID registration date
- 2010-02-11
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Postal address: P.O. Box 81, 74101, Iisalmi
Website: https://www.halfblock.fiSource observation
About Karu Store & Studio Oy
Financial position and key figures for the company.
Karu Store & Studio Oy's location municipality is Iisalmi. It is a limited company. The company was established on 2010-03-01. It operates in the industry of retail sale of clothing without specialisation on any specific product group. In its latest retained statement for 2026-02-28, revenue was €1,037,396 and operating profit was -€63,058. The latest retained financial statement for 2026-02-28 shows revenue of €1,037,396 and profit for the financial year of -€67,190. Based on the latest retained statement, revenue growth was +11.1%, operating margin was -6.1%, and equity ratio was +23.8%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2026-02-28
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth11.1%
Operating margin-6.1%
Equity ratio23.8%
Balance-sheet contextLatest financial period
Other operating income€7,800Previous: €7,800
Inventory€249,453Previous: €231,457
Cash and bank€26,165Previous: €40,337
Retained earnings€136,822Previous: €144,386
Equity€72,132Previous: €149,322
Liabilities€231,181Previous: €165,334
Current assets€296,927Previous: €312,853
Current liabilities€231,181Previous: €165,334
Revenue trend2 periods
€933,415
2025-02-28
€1,037,396
2026-02-28
Operating profit (loss) trend2 periods
€4,104
2025-02-28
-€63,058
2026-02-28
Profit (loss) for the financial year trend2 periods
€2,436
2025-02-28
-€67,190
2026-02-28
Assets trend2 periods
€314,656
2025-02-28
€303,313
2026-02-28
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioPassable
30/100 · Declining
Current ratioSatisfactory
40/100 · Declining
Operating profit marginWeak
35/100 · Declining
Ratio history
| Ratio | 2025-02-28 | 2026-02-28 |
|---|---|---|
| Equity ratio | 47.5 % | 23.8 % |
| Current ratio | 1.64x | 1.19x |
| Operating profit margin | 0.4 % | -6.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2318366-3
VAT IDFI23183663
EU IDFIFPRO.2318366-3
MunicipalityIisalmi
Current registered entries
2010-03-01Registered in Patent and Registration Office (Trade Register)
2010-03-08Registered in Tax Administration (Tax Administration)
2010-04-02Registered in Tax Administration (Employer Register)
2010-04-02VAT-liable for business activity in Tax Administration (VAT Register)
2015-11-02Registered in Tax Administration (Prepayment 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
B2
SatisfactoryKaru Store & Studio Oy
Grade unchangedB2 · new analysis 2026-10-17
51/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
2 comparable periodsRevenueImproving
Same industryDescriptive comparison – does not change the model score.
224 peersSolvency40%
Below 60% of peers
Profitability20%
Below 80% of peers
Liquidity57%
Better than 57% of peers
Revenue growth79%
Better than 79% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings146 days after period end
187 days after period end
2 consecutive periods
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
- Long registry continuity
Risk factors to note
- Negative profitability or net result
- Coordinated deterioration across 3 financial domains
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB2
2026-10-1751/100 · v0.15
B2 → B2B2
2026-10-01 04:0251/100 · v0.14
B1 → B2 · -15 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-02-28).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1566/100 · v0.14
B1 → B1 · +6 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 comparisonB2
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 riskelevated
46/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 16 years of registry continuity.
Registry and status signalsErittäin vahva
91/100
Long registry history, recent financial statement filings, and active register markings support this signal.
Events & news
Verified events and sourced external company news in one timeline.
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.
25 register eventsLatest event: 2026-07-24
Financial statements availability
Available financial statement periods and PRH source filings.
2 financial statement periodsLatest financial period: 2026-02-28
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-30.
This company profile has not been claimed yet
Karu Store & Studio Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.