Risk grade updatedRisk gradeEvidence verified
20 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Lapin Vakuutus- ja Finanssipalvelut Oy
Lapin Vakuutus- ja Finanssipalvelut Oy's registered office is Ivalo. It is a limited company. The company was established on 2006-11-24. It operates in the industry of activities of insurance agents and brokers.
Business ID 2075092-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2075092-5
- Sector
- Activities of insurance agents and brokers
- Municipality
- Ivalo
- Company form
- Limited company
- Registration date
- 2006-11-24
- Business ID registration date
- 2006-11-17
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Ivalontie 12, 99800, Ivalo
Phone: +358400460034Source observation
Email: [email protected]Source observation
People and decision-makers
Heikkuri Antti EvertToimitusjohtaja
About Lapin Vakuutus- ja Finanssipalvelut Oy
Financial position and key figures for the company.
Lapin Vakuutus- ja Finanssipalvelut Oy's location municipality is Ivalo. It is a limited company. The company was established on 2006-11-24. It operates in the industry of activities of insurance agents and brokers. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +36.5%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimiala on vakuutus- ja luottolaitostoimintaa palveleva toiminta sekä majapalvelut. Yhtiö voi omistaa ja hallita osakkeita, osuuksia, arvopapereita ja kiinteistöjä, käydä niillä kauppaa ja vuokrata niitä. Metsätaloutta palveleva toiminta, metsätyöt, puun osto- ja myynti. Vähittäiskauppa. Irtaimen tavaran osto ja myynti.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Equity ratio36.5%
Operating profit (loss)€885-€305 (-25.6%) vs previous periodPrevious: €1,190
Profit (loss) for the financial year-€78-€806 (-110.7%) vs previous periodPrevious: €728
Assets€16,154+€1,430 (+9.7%) vs previous periodPrevious: €14,724
Balance-sheet contextLatest financial period
Employees12Previous: No comparison value
Operating profit (loss) trend5 periods
€1,449
2021-12-31
€3,695
2022-12-31
-€76
2023-12-31
€1,190
2024-12-31
€885
2025-12-31
Profit (loss) for the financial year trend5 periods
€1,238
2021-12-31
€2,019
2022-12-31
-€535
2023-12-31
€728
2024-12-31
-€78
2025-12-31
Assets trend5 periods
€12,708
2021-12-31
€12,752
2022-12-31
€13,587
2023-12-31
€14,724
2024-12-31
€16,154
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioSatisfactory
46/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 29.6 % | 45.4 % | 38.6 % | 40.6 % | 36.5 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | - | - | - | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2075092-5
EU IDFIFPRO.2075092-5
MunicipalityIvalo
Current registered entries
2006-11-17Registered in Tax Administration (Tax Administration)
2006-11-24Registered in Patent and Registration Office (Trade Register)
2007-01-01Registered in Tax Administration (Employer Register)
2007-01-01Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Heikkuri Antti EvertToimitusjohtajaSources: 5 · Confidence: 78%
Heikkuri Antti EvertVarsinainen jäsenSources: 2 · Confidence: 78%
Portti Piia MarikaVarajäsenSources: 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
A3
GoodLapin Vakuutus- ja Finanssipalvelut Oy
Grade unchangedA3 · new analysis 2026-10-20
73/100
Medium
Limited financial evidenceRegistry and statistics based
Financial development is mostly stable or mixed.
4 comparable periodsRevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
LiquidityNot enough history
Supporting factors
- Active registered status
- Long registry continuity
- Lower industry distress context
Risk factors to note
- Sufficient structured financial metrics are not available
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA3
2026-10-2073/100 · v0.15
A3 → A3 · +3 points- Solvency: Not enough history → Stable
- Evidence quality: Registry and statistical evidence → Limited financial evidence.
A3
2026-09-1770/100 · v0.14
Oldest retained automatic assessment in this comparisonA3
2026-10-20
open-risk-grade-v0.15
The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 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 continuityVakiintunut
80/100
The company has about 19 years of registry continuity.
Registry and status signalsSeurattava
73/100
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 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Registry timeline
Trade register notifications shown on a timeline.
14 register eventsLatest event: 2025-10-21
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
Lapin Vakuutus- ja Finanssipalvelut Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.