Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
Kerd Oy
Kerd Oy's registered office is Savonlinna. It is a limited company. The company was established on 2016-06-30. It operates in the industry of retail sale of other cultural and recreational goods n.e.c.. In its latest retained statement for 2025-03-31, revenue was €746,707 and operating profit was €33,000.
Business ID 2749679-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2749679-8
- Sector
- Retail sale of other cultural and recreational goods n.e.c.
- Municipality
- Savonlinna
- Company form
- Limited company
- Registration date
- 2016-06-30
- Business ID registration date
- 2016-02-29
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Nojanmaantie 34, 57210, Savonlinna
About Kerd Oy
Financial position and key figures for the company.
Kerd Oy's location municipality is Savonlinna. It is a limited company. The company was established on 2016-06-30. It operates in the industry of retail sale of other cultural and recreational goods n.e.c.. In its latest retained statement for 2025-03-31, revenue was €746,707 and operating profit was €33,000. The latest retained financial statement for 2025-03-31 shows revenue of €746,707 and profit for the financial year of €31,001. Based on the latest retained statement, revenue growth was -12.4%, operating margin was +4.4%, and equity ratio was +36.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-03-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth-12.4%
Operating margin4.4%
Equity ratio36.0%
Balance-sheet contextLatest financial period
Other operating income€0Previous: €1,020
Inventory€345,000Previous: €337,110
Cash and bank€6,130Previous: €170,621
Retained earnings-€42,650Previous: €0
Equity€154,771Previous: €314,769
Liabilities€275,713Previous: €310,868
Current assets€394,085Previous: €612,006
Current liabilities€239,116Previous: €290,873
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioSatisfactory
45/100 · Declining
Current ratioSatisfactory
49/100 · Declining
Operating profit marginSatisfactory
61/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2749679-8
VAT IDFI27496798
EU IDFIFPRO.2749679-8
MunicipalitySavonlinna
Current registered entries
2016-06-30Registered in Patent and Registration Office (Trade Register)
2016-07-01Registered in Tax Administration (Employer Register)
2016-07-01VAT-liable for business activity in Tax Administration (VAT Register)
2016-07-01Registered in Tax Administration (Prepayment Register)
2016-07-13Registered 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
B1
StableKerd Oy
Grade unchangedB1 · new analysis 2026-09-28
67/100
Medium
Usable financial evidenceFinancial data included
Same size nationallyDescriptive comparison – does not change the model score.
305 peersSolvency43%
Below 57% of peers
Profitability49%
Close to the peer-group midpoint
Liquidity72%
Better than 72% of peers
Limited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings246 days after period end
246 days after period end
1 consecutive periods
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
- Long registry continuity
Risk factors to note
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsB1
2026-09-28 16:3867/100 · v0.14
B1 → B1 · +5 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-03-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1562/100 · v0.14
B2 → B1 · +4 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.
B2
2026-09-1458/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
2026-09-28
open-risk-grade-v0.14
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
38/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 10 years of registry continuity.
Registry and status signalsVakaa
80/100
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
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
21 register eventsLatest event: 2026-03-19
Financial statements availability
Available financial statement periods and PRH source filings.
1 financial statement periodsLatest financial period: 2025-03-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-19.
This company profile has not been claimed yet
Kerd Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.