Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade C.Business profile
Kultatalo Oy
Kultatalo Oy's registered office is Helsingfors. It is a limited company. The company was established on 2023-11-03. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2025-12-31, revenue was €24,785 and operating profit was €652.
Business ID 3389321-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3389321-2
- Sector
- Construction of residential and non-residential buildings
- Municipality
- Helsingfors
- Company form
- Limited company
- Registration date
- 2023-11-03
- Business ID registration date
- 2023-09-08
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Merikorttitie 11 442, 00960, Helsingfors
Postal address: Kallvikintie 93 B 37, 00960, Helsingfors
Phone: +358401880525Source observation
Email: [email protected]Source observation
People and decision-makers
Tee RaivoToimitusjohtaja
About Kultatalo Oy
Financial position and key figures for the company.
Kultatalo Oy's location municipality is Helsingfors. It is a limited company. The company was established on 2023-11-03. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2025-12-31, revenue was €24,785 and operating profit was €652. The latest retained financial statement for 2025-12-31 shows revenue of €24,785 and profit for the financial year of €521. Based on the latest retained statement, revenue growth was -8.5%, operating margin was +2.6%, and equity ratio was +7.5%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimiala on rakennuksiin ja huoneistoihin liittyvien remontointi-, saneeraus- ja maalauspalveluiden tuottaminen. Lisäksi yhtiö harjoittaa siivous- ja kotitalouspalveluita sekä osakkeiden ja raaka-aineiden myyntiä ja välitystä. Yhtiö voi toimintaansa varten harjoittaa rahasto- ja arvopaperikauppaa, omistaa ja hallita osakkeita, osuuksia ja kiinteistöjä sekä käydä niillä kauppaa ja vuokrata niitä. Yhtiö harjoittaa toimintaa koko maassa ja ulkomailla. Yhtiö pidättää oikeuden harjoittaa myös muuta laillista liiketoimintaa ilman alueellisia toimintarajoituksia.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
2
2
Combined source
Derived indicators
Revenue growth-8.5%
Operating margin2.6%
Equity ratio7.5%
Balance-sheet contextLatest financial period
Cash and bank€7,154Previous: €2,648
Retained earnings€73Previous: €0
Profit before taxes€651Previous: €198
Equity€595Previous: €73
Liabilities€7,329Previous: €3,770
Current assets€7,154Previous: €2,818
Current liabilities€7,329Previous: €3,770
Employees1Previous: 1
Revenue trend2 periods
€27,088
2024-12-31
€24,785
2025-12-31
Operating profit (loss) trend2 periods
€541
2024-12-31
€652
2025-12-31
Profit (loss) for the financial year trend2 periods
€73
2024-12-31
€521
2025-12-31
Assets trend2 periods
€3,844
2024-12-31
€7,924
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioWeak
9/100 · Improving
Current ratioPassable
33/100 · Improving
Operating profit marginPassable
57/100 · Improving
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 1.9 % | 7.5 % |
| Current ratio | 0.70x | 0.98x |
| Operating profit margin | 2.0 % | 2.6 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3389321-2
VAT IDFI33893212
EU IDFIFPRO.3389321-2
MunicipalityHelsingfors
Current registered entries
2023-09-07VAT-liable for business activity in Tax Administration (VAT Register)
2023-09-08Registered in Tax Administration (Prepayment Register)
2023-11-03Registered in Tax Administration (Tax Administration)
2023-11-03Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Tee RaivoToimitusjohtajaSources: 5 · Confidence: 78%
Tee RaivoVarsinainen jäsenSources: 2 · 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 riskKultatalo Oy
Grade downgradedB3 → C · new analysis 2026-10-18
39/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
2 comparable periodsRevenueStable
ProfitabilityStable
SolvencyImproving
LiquidityImproving
Same size nationallyDescriptive comparison – does not change the model score.
125 peersSolvency27%
Below 73% of peers
Profitability58%
Better than 58% of peers
Liquidity76%
Better than 76% of peers
Revenue growth39%
Below 61% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings98 days after period end
60 days after period end
2 consecutive periods
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Weak current ratio
- High balance-sheet leverage
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
3 assessmentsC
2026-10-1839/100 · v0.15
B3 → C · -3 points- Liquidity: Not enough history → Improving
- Assessment confidence: Medium → High.
- Evidence quality: Usable financial evidence → Strong financial evidence.
B3
2026-09-1542/100 · v0.14
B3 → B3- Revenue: Stable
- Profitability: Stable
- Solvency: Improving
B3
2026-09-1442/100 · v0.12
Oldest retained automatic assessment in this comparisonC
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 riskhigh
25/100
Industry context is high based on normalized open statistical inputs.
Age and continuityNuori
15/100
The company has about 2 years of registry continuity.
Registry and status signalsRajallinen
42/100
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 B3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Registry timeline
Trade register notifications shown on a timeline.
3 register eventsLatest event: 2026-04-08
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
Kultatalo Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.