Business profile

Kraama Consulting Oy

Kraama Consulting Oy's registered office is Hämeenlinna. It is a limited company. The company was established on 2020-09-07. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-06-30, revenue was €765,245 and operating profit was €46,596.

Claim profileContact details
Business ID 3156180-4ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3156180-4
Sector
Activities of insurance agents and brokers
Municipality
Hämeenlinna
Company form
Limited company
Registration date
2020-09-07
Business ID registration date
2020-09-05
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Sibeliuksenkatu 11 A 12, 13100, Hämeenlinna

About Kraama Consulting Oy

Financial position and key figures for the company.

Kraama Consulting Oy's location municipality is Hämeenlinna. It is a limited company. The company was established on 2020-09-07. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-06-30, revenue was €765,245 and operating profit was €46,596. The latest retained financial statement for 2025-06-30 shows revenue of €765,245 and profit for the financial year of €36,386. Based on the latest retained statement, revenue growth was +11.9%, operating margin was +6.1%, and equity ratio was +76.4%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-06-30

Imported periods4
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth11.9%
Operating margin6.1%
Equity ratio76.4%
Revenue€765,245+€81,537 (+11.9%) vs previous periodPrevious: €683,708
Operating profit (loss)€46,596-€89,700 (-65.8%) vs previous periodPrevious: €136,295
Profit (loss) for the financial year€36,386-€72,329 (-66.5%) vs previous periodPrevious: €108,714
Assets€337,203-€40,267 (-10.7%) vs previous periodPrevious: €377,470
Balance-sheet contextLatest financial period
Other operating income€120Previous: €0
Inventory€271,261Previous: €308,064
Cash and bank€1,931Previous: €3,554
Retained earnings€221,383Previous: €131,668
Equity€257,768Previous: €240,383
Liabilities€79,435Previous: €137,088
Current assets€294,915Previous: €334,670
Current liabilities€50,704Previous: €75,856
Revenue trend2 periods
€683,708
2024-06-30
€765,245
2025-06-30
Operating profit (loss) trend2 periods
€136,295
2024-06-30
€46,596
2025-06-30
Profit (loss) for the financial year trend2 periods
€108,714
2024-06-30
€36,386
2025-06-30
Assets trend2 periods
€377,470
2024-06-30
€337,203
2025-06-30

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioGood
96/100 · Improving
76.4 %2024-06-30: 63.7 %
Current ratioGood
100/100 · Improving
5.39x2024-06-30: 4.11x
Operating profit marginSatisfactory
65/100 · Declining
6.1 %2024-06-30: 19.9 %
Ratio history
Ratio2024-06-302025-06-30
Equity ratio63.7 %76.4 %
Current ratio4.11x5.39x
Operating profit margin19.9 %6.1 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3156180-4
VAT IDFI31561804
EU IDFIFPRO.3156180-4
MunicipalityHämeenlinna
Current registered entries
2020-09-05Registered in Tax Administration (Prepayment Register)
2020-09-07Registered in Tax Administration (Tax Administration)
2020-09-07Registered in Patent and Registration Office (Trade Register)
2020-11-01VAT-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
A2
Very goodKraama Consulting Oy
Grade unchangedA2 · new analysis 2026-10-17
Model score80/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
3 comparable periods
RevenueImproving
ProfitabilityDeteriorating
SolvencyImproving
LiquidityImproving
Peer comparisonSame size nationallyDescriptive comparison – does not change the model score.
301 peers
Solvency70%
Better than 70% of peers
Profitability50%
Close to the peer-group midpoint
Liquidity90%
Better than 90% of peers
Revenue growth78%
Better than 78% of peers
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings
Latest registration lag165 days after period end
Typical registration lag176 days after period end
Annual continuity4 consecutive periods
Supporting factors
  • Strong equity ratio
  • Healthy short-term liquidity
  • Active registered status
Risk factors to note

No material separate warning signals.

Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
A2
2026-10-1780/100 · v0.15
A2 → A2
A2
2026-10-02 16:0780/100 · v0.14
B1 → A2 · +16 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-06-30).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1564/100 · v0.14
B1 → 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.
B1
2026-09-1460/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeA2
Automatic model snapshot2026-10-17
Automatic model versionopen-risk-grade-v0.15
Financial data included

The grade can use open digital financial statement data together with registry signals.

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 continuityHyvä
60/100

The company has about 6 years of registry continuity.

Registry and status signalsSeurattava
59/100

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
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.
Risk grade updatedRisk gradeEvidence verified
2 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A2.
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.

8 register eventsLatest event: 2025-12-12

Financial statements availability

Available financial statement periods and PRH source filings.

4 financial statement periodsLatest financial period: 2025-06-30

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

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