Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
Koivu Invest Oy
Koivu Invest Oy's registered office is Nurmijärvi. It is a limited company. The company was established on 2021-02-04. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €64,962 and operating profit was €16,792.
Business ID 3187615-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3187615-2
- Sector
- Business and other management consultancy activities
- Municipality
- Nurmijärvi
- Company form
- Limited company
- Registration date
- 2021-02-04
- Business ID registration date
- 2021-02-01
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Laukkakaari 4, 01900, Nurmijärvi
About Koivu Invest Oy
Financial position and key figures for the company.
Koivu Invest Oy's location municipality is Nurmijärvi. It is a limited company. The company was established on 2021-02-04. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €64,962 and operating profit was €16,792. The latest retained financial statement for 2025-12-31 shows revenue of €64,962 and profit for the financial year of €14,509. Based on the latest retained statement, revenue growth was +9090.1%, operating margin was +25.8%, and equity ratio was +12.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth9090.1%
Operating margin25.8%
Equity ratio12.4%
Balance-sheet contextLatest financial period
Cash and bank-€87Previous: €36
Retained earnings€6,295Previous: €16,167
Equity€20,804Previous: €6,295
Liabilities€146,692Previous: €1,316
Current assets€14,345Previous: €7,611
Current liabilities€16,691Previous: €1,316
Revenue trend2 periods
€707
2024-12-31
€64,962
2025-12-31
Operating profit (loss) trend2 periods
-€9,324
2024-12-31
€16,792
2025-12-31
Profit (loss) for the financial year trend2 periods
-€9,872
2024-12-31
€14,509
2025-12-31
Assets trend2 periods
€7,611
2024-12-31
€167,495
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
16/100 · Declining
Current ratioWeak
0/100 · Declining
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 82.7 % | 12.4 % |
| Current ratio | 0.03x | -0.01x |
| Operating profit margin | -1319.0 % | 25.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3187615-2
VAT IDFI31876152
EU IDFIFPRO.3187615-2
MunicipalityNurmijärvi
Current registered entries
2021-02-01Registered in Tax Administration (Prepayment Register)
2021-02-04Registered in Tax Administration (Tax Administration)
2021-02-04Registered in Patent and Registration Office (Trade Register)
2022-03-12VAT-liable for business activity in Tax Administration (VAT 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
B1
StableKoivu Invest Oy
Grade unchangedB1 · new analysis 2026-10-18
63/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
2 comparable periodsRevenueImproving
ProfitabilityImproving
LiquidityStable
Same industry, size and age groupDescriptive comparison – does not change the model score.
146 peersSolvency25%
Below 75% of peers
Profitability75%
Better than 75% of peers
Liquidity0%
Below 100% of peers
Revenue growth100%
Better than 100% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings106 days after period end
198 days after period end
2 consecutive periods
Supporting factors
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
- Weak current ratio
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB1
2026-10-1863/100 · v0.15
B1 → B1B1
2026-09-29 09:3263/100 · v0.14
B1 → B1- 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
2026-09-1563/100 · 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
2026-09-1459/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
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
72/100
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
61/100
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 B2.Registry timeline
Trade register notifications shown on a timeline.
10 register eventsLatest event: 2026-04-16
Financial statements availability
Available financial statement periods and PRH source filings.
2 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
Koivu Invest Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.