Risk grade updatedRisk gradeEvidence verified
24 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → B1.Business profile
Kuvatoive Oy
Kuvatoive Oy's registered office is Esbo. It is a limited company. The company was established on 2020-11-17. It operates in the industry of photographic activities. In its latest retained statement for 2025-12-31, revenue was €38,950 and operating profit was €2,295.
Business ID 3171201-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3171201-9
- Sector
- Photographic activities
- Municipality
- Esbo
- Company form
- Limited company
- Registration date
- 2020-11-17
- Business ID registration date
- 2020-11-16
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kaivosmiehentie 9, 02730, Esbo
Website: https://www.kuvatoive.fiSource observation
About Kuvatoive Oy
Financial position and key figures for the company.
Kuvatoive Oy's location municipality is Esbo. It is a limited company. The company was established on 2020-11-17. It operates in the industry of photographic activities. In its latest retained statement for 2025-12-31, revenue was €38,950 and operating profit was €2,295. The latest retained financial statement for 2025-12-31 shows revenue of €38,950 and profit for the financial year of €2,268. Based on the latest retained statement, revenue growth was +28.4%, operating margin was +5.9%, and equity ratio was +7.5%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
5
2
PRH/XBRL financial statement
Derived indicators
Revenue growth28.4%
Operating margin5.9%
Equity ratio7.5%
Balance-sheet contextLatest financial period
Cash and bank€11,237Previous: €4,278
Retained earnings-€1,426Previous: €939
Equity€842Previous: -€1,426
Liabilities€10,395Previous: €6,228
Current assets€11,237Previous: €4,802
Current liabilities€10,395Previous: €6,228
Revenue trend2 periods
€30,329
2024-12-31
€38,950
2025-12-31
Operating profit (loss) trend2 periods
-€2,258
2024-12-31
€2,295
2025-12-31
Profit (loss) for the financial year trend2 periods
-€2,364
2024-12-31
€2,268
2025-12-31
Assets trend2 periods
€4,802
2024-12-31
€11,237
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
9/100 · Improving
Current ratioSatisfactory
36/100 · Improving
Operating profit marginSatisfactory
65/100 · Improving
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | -29.7 % | 7.5 % |
| Current ratio | 0.69x | 1.08x |
| Operating profit margin | -7.5 % | 5.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3171201-9
VAT IDFI31712019
EU IDFIFPRO.3171201-9
MunicipalityEsbo
Current registered entries
2020-11-16VAT-liable for business activity in Tax Administration (VAT Register)
2020-11-16Registered in Tax Administration (Prepayment Register)
2020-11-17Registered in Tax Administration (Tax Administration)
2020-11-17Registered in Patent and Registration Office (Trade 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
StableKuvatoive Oy
Grade downgradedA3 → B1 · new analysis 2026-09-24
63/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueImproving
ProfitabilityImproving
SolvencyImproving
LiquidityImproving
Same size nationallyDescriptive comparison – does not change the model score.
167 peersSolvency23%
Below 77% of peers
Profitability62%
Better than 62% of peers
Liquidity71%
Better than 71% of peers
Revenue growth87%
Better than 87% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings20 days after period end
37 days after period end
4 consecutive periods
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsB1
2026-09-24 11:0663/100 · v0.14
A3 → B1 · -8 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.
A3
2026-09-1571/100 · v0.14
B1 → A3 · +9 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
2026-09-1462/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
2026-09-24
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 riskvery low
89/100
Industry context is very 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 A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
9 register eventsLatest event: 2026-01-20
Financial statements availability
Available financial statement periods and PRH source filings.
5 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
Kuvatoive Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.