Risk grade updatedRisk gradeEvidence verified
26 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.Business profile
Keratam Oy
Keratam Oy's registered office is Kulennoinen. It is a limited company. The company was established on 1998-03-17. It operates in the industry of plastering. In its latest retained statement for 2025-12-31, revenue was €78,262 and operating profit was -€4,412.
Business ID 1454863-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 1454863-2
- Sector
- Plastering
- Municipality
- Kulennoinen
- Company form
- Limited company
- Registration date
- 1998-03-17
- Business ID registration date
- 1998-03-18
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: KOTIMÄENTIE 19, 58430, Kulennoinen
About Keratam Oy
Financial position and key figures for the company.
Keratam Oy's location municipality is Kulennoinen. It is a limited company. The company was established on 1998-03-17. It operates in the industry of plastering. In its latest retained statement for 2025-12-31, revenue was €78,262 and operating profit was -€4,412. The latest retained financial statement for 2025-12-31 shows revenue of €78,262 and profit for the financial year of -€8,599. Based on the latest retained statement, revenue growth was -36.0%, operating margin was -5.6%, and equity ratio was +37.2%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
3
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-36.0%
Operating margin-5.6%
Equity ratio37.2%
Balance-sheet contextLatest financial period
Other operating income€0Previous: €9,468
Cash and bank€45,524Previous: €52,155
Retained earnings€21,848Previous: -€22,275
Equity€23,249Previous: €35,848
Liabilities€39,171Previous: €39,761
Current assets€46,036Previous: €59,819
Current liabilities€15,548Previous: €18,840
Revenue trend2 periods
€122,292
2024-12-31
€78,262
2025-12-31
Operating profit (loss) trend2 periods
€51,091
2024-12-31
-€4,412
2025-12-31
Profit (loss) for the financial year trend2 periods
€48,122
2024-12-31
-€8,599
2025-12-31
Assets trend2 periods
€75,609
2024-12-31
€62,419
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioSatisfactory
47/100 · Declining
Current ratioGood
98/100 · Improving
Operating profit marginWeak
36/100 · Declining
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 47.4 % | 37.3 % |
| Current ratio | 2.77x | 2.93x |
| Operating profit margin | 38.8 % | -5.6 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID1454863-2
VAT IDFI14548632
EU IDFIFPRO.1454863-2
MunicipalityKulennoinen
Current registered entries
1998-03-01Registered in Tax Administration (Employer Register)
1998-03-01VAT-liable for business activity in Tax Administration (VAT Register)
1998-03-17Registered in Patent and Registration Office (Trade Register)
1998-03-18Registered in Tax Administration (Prepayment Register)
1998-03-18Registered in Tax Administration (Tax Administration)
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
SatisfactoryKeratam 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.
3 comparable periodsLiquidityStable
Same industry, size and age groupDescriptive comparison – does not change the model score.
110 peersSolvency30%
Below 70% of peers
Profitability41%
Below 59% of peers
Liquidity76%
Better than 76% of peers
Revenue growth25%
Below 75% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings106 days after period end
106 days after period end
3 consecutive periods
Supporting factors
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
- Negative profitability or net result
- Sharp year-over-year revenue drop
- Coordinated deterioration across 3 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB2
2026-10-1751/100 · v0.15
B2 → B2B2
2026-09-26 00:2151/100 · v0.14
B1 → B2 · -15 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- 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
45/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 28 years of registry continuity.
Registry and status signalsVakaa
84/100
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
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.
20 register eventsLatest event: 2026-04-16
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
Keratam Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.