Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
LT vakuutus Oy
LT vakuutus Oy's registered office is Valkeakoski. It is a limited company. The company was established on 2023-09-12. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €107,698 and operating profit was €23,341.
Business ID 3387602-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3387602-5
- Sector
- Activities of insurance agents and brokers
- Municipality
- Valkeakoski
- Company form
- Limited company
- Registration date
- 2023-09-12
- Business ID registration date
- 2023-09-04
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Lotilanranta 6 as. 1, 37630, Valkeakoski
About LT vakuutus Oy
Financial position and key figures for the company.
LT vakuutus Oy's location municipality is Valkeakoski. It is a limited company. The company was established on 2023-09-12. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €107,698 and operating profit was €23,341. The latest retained financial statement for 2025-12-31 shows revenue of €107,698 and profit for the financial year of €18,615. Based on the latest retained statement, revenue growth was -44.6%, operating margin was +21.7%, and equity ratio was +97.5%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth-44.6%
Operating margin21.7%
Equity ratio97.5%
Balance-sheet contextLatest financial period
Cash and bank€64,573Previous: €60,030
Retained earnings€78,740Previous: €0
Equity€97,355Previous: €85,587
Liabilities€2,495Previous: €7,030
Current assets€79,850Previous: €72,616
Current liabilities€2,495Previous: €7,030
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Improving
Current ratioGood
100/100 · Improving
Operating profit marginGood
100/100 · Declining
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3387602-5
EU IDFIFPRO.3387602-5
MunicipalityValkeakoski
Current registered entries
2023-09-04Registered in Tax Administration (Prepayment Register)
2023-09-12Registered in Tax Administration (Tax Administration)
2023-09-12Registered in Patent and Registration Office (Trade Register)
2023-10-01Registered in Tax Administration (Employer 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 goodLT vakuutus Oy
Grade unchangedA2 · new analysis 2026-10-17
80/100
Medium
Usable financial evidenceFinancial data included
Same industry and sizeDescriptive comparison – does not change the model score.
59 peersSolvency88%
Better than 88% of peers
Profitability58%
Better than 58% of peers
Liquidity85%
Better than 85% of peers
Limited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings51 days after period end
51 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Healthy short-term liquidity
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA2
2026-10-1780/100 · v0.15
A2 → A2A2
2026-09-20 20:4280/100 · v0.14
B2 → A2 · +25 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B2
2026-09-1455/100 · v0.14
B2 → B2B2
2026-09-1455/100 · v0.13
Oldest retained automatic assessment in this comparisonA2
2026-10-17
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
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityNuori
35/100
The company has about 3 years of registry continuity.
Registry and status signalsRajallinen
38/100
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
20 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → A2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
4 register eventsLatest event: 2026-02-20
Financial statements availability
Available financial statement periods and PRH source filings.
1 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
LT vakuutus Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.