Business profile

Kelo Invest Oy

Kelo Invest Oy's registered office is Rovaniemi. It is a limited company. The company was established on 2022-09-21. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €0 and operating profit was -€4,148.

Claim profileContact details
Business ID 3313473-4ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3313473-4
Sector
Activities of insurance agents and brokers
Municipality
Rovaniemi
Company form
Limited company
Registration date
2022-09-21
Business ID registration date
2022-09-21
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Korkiakankaantie 20, 96800, Rovaniemi

People and decision-makers

Mällinen Harri KristianToimitusjohtaja

About Kelo Invest Oy

Financial position and key figures for the company.

Kelo Invest Oy's location municipality is Rovaniemi. It is a limited company. The company was established on 2022-09-21. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €0 and operating profit was -€4,148. The latest retained financial statement for 2025-12-31 shows revenue of €0 and profit for the financial year of -€10,265. Based on the latest retained statement, revenue growth was -100.0%, operating margin was not currently available, and equity ratio was +79.0%.

Extended business activity

A longer directory- or registry-backed activity description that complements the short registry industry label.

Yhtiön toimialana on sijoitustoiminta. Yhtiö voi omistaa ja hallita arvopapereita ja kiinteistöjä ja käydä niillä kauppaa.

Financial highlights

Key figures from the latest financial period.

Latest financial period

2025-12-31

Imported periods0
PRH parsed0
Profile sourceEnriched source observation
Derived indicators
Revenue growth-100.0%
Equity ratio79.0%
Revenue€0-€2,510 (-100.0%) vs previous periodPrevious: €2,510
Operating profit (loss)-€4,148-€1,532 (-58.6%) vs previous periodPrevious: -€2,616
Profit (loss) for the financial year-€10,265-€7,651 (-292.7%) vs previous periodPrevious: -€2,614
Assets€1,952,183+€1,951,705 (+408948.2%) vs previous periodPrevious: €477
Balance-sheet contextLatest financial period
Profit before taxes-€10,265Previous: -€2,614
Employees0Previous: 1
Revenue trend3 periods
€54,644
2023-12-31
€2,510
2024-12-31
€0
2025-12-31
Operating profit (loss) trend3 periods
€3,864
2023-12-31
-€2,616
2024-12-31
-€4,148
2025-12-31
Profit (loss) for the financial year trend3 periods
€3,092
2023-12-31
-€2,614
2024-12-31
-€10,265
2025-12-31
Assets trend3 periods
€5,578
2023-12-31
€477
2024-12-31
€1,952,183
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.

Equity ratioGood
99/100 · Declining
79.0 %2024-12-31: 100.0 %
Current ratioNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Operating profit marginNot assessable
0/100 · Trend unavailable
Not available2024-12-31: -104.2 %
Ratio history
Ratio2023-12-312024-12-312025-12-31
Equity ratio55.4 %100.0 %79.0 %
Current ratio---
Operating profit margin6.8 %-104.2 %-

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3313473-4
EU IDFIFPRO.3313473-4
MunicipalityRovaniemi
Current registered entries
2022-09-21Registered in Patent and Registration Office (Trade Register)
2022-09-22Registered in Tax Administration (Tax Administration)
2022-11-01Registered in Tax Administration (Prepayment Register)

Responsible people

Public role relationships materialized from source observations.

Mällinen Harri KristianToimitusjohtajaSources: 6 · Confidence: 78%
Mällinen Minna MarjukkaVarsinainen jäsenSources: 5 · 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 riskKelo Invest Oy
Grade downgradedB1 → C · new analysis 2026-10-19
Model score39/100
Assessment confidenceMedium
Evidence qualityLimited financial evidenceRegistry and statistics based
Financial trajectoryFinancial development is mostly stable or mixed.
3 comparable periods
RevenueDeteriorating · 2 consecutive periods
ProfitabilityNot enough history
SolvencyVolatile
LiquidityNot enough history
Supporting factors
  • Company context reduces the weight of an isolated financial signal
  • Active registered status
  • Lower industry distress context
Risk factors to note
  • Sufficient structured financial metrics are not available
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessments
C
2026-10-1939/100 · v0.15
B1 → C · -25 points
  • Assessment confidence: Low → Medium.
  • Evidence quality: Usable financial evidence → Limited financial evidence.
  • New risk factor: Sufficient structured financial metrics are not available.
B1
2026-09-1964/100 · v0.14
Oldest retained automatic assessment in this comparison
Automatic model gradeC
Automatic model snapshot2026-10-19
Automatic model versionopen-risk-grade-v0.15
Registry and statistics based

The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 assessment.

A serious financial risk signal affects this grade. Review the profile financial indicators as well.

Verify assessment

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
35/100

The company has about 4 years of registry continuity.

Registry and status signalsRajallinen
40/100

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
19 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade C.
Risk grade updatedRisk gradeEvidence verified
19 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.

Registry timeline

Trade register notifications shown on a timeline.

6 register eventsLatest event: 2025-09-12

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

Kelo Invest Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.