Risk grade updatedRisk gradeEvidence verified
19 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
Lumi Finance Oy
Lumi Finance Oy's registered office is Esbo. It is a limited company. The company was established on 2022-12-21. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2025-12-31, revenue was €2,994,310 and operating profit was €1,756,064.
Business ID 3331846-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3331846-1
- Sector
- Other activities auxiliary to financial services, except insurance and pension funding
- Municipality
- Esbo
- Company form
- Limited company
- Registration date
- 2022-12-21
- Business ID registration date
- 2022-12-16
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Harakantie 2 lh. 4, 02650, Esbo
Phone: +358291705881Source observation
Email: [email protected]Source observation
Website: https://www.lumifinance.fiSource observation
People and decision-makers
Salonen Milla Emma EmiliaToimitusjohtaja
Email: Email available for logged-in usersSource: company website
Phone: Phone available for logged-in usersSource: company website
Tapani KapanenKey Account Manager
Email: Email available for logged-in usersSource: company website
Phone: Phone available for logged-in usersSource: company website
Jonna ToivonenHead of Sales
Email: Email available for logged-in usersSource: company website
Phone: Phone available for logged-in usersSource: company website
Direct contact details available for logged-in usersSome person-level contact details are shown only to registered users. The data is based on public sources, such as the company's own website.Log in to view decision-maker contact details
About Lumi Finance Oy
Financial position and key figures for the company.
Lumi Finance Oy's location municipality is Esbo. It is a limited company. The company was established on 2022-12-21. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2025-12-31, revenue was €2,994,310 and operating profit was €1,756,064. The latest retained financial statement for 2025-12-31 shows revenue of €2,994,310 and profit for the financial year of €115,334. Based on the latest retained statement, revenue growth was +194.8%, operating margin was +58.6%, and equity ratio was +0.7%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimiala on rahoitus, factoringrahoitus sekä lainojen ja saatavien ostaminen ja myyminen. Yhtiö voi myös harjoittaa alaan liittyviä konsulttipalveluja. Yhtiö voi omistaa ja hallita kiinteää omaisuutta ja arvopapereita sekä käydä niillä kauppaa.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth194.8%
Operating margin58.6%
Equity ratio0.7%
Revenue€2,994,310+€1,978,651 (+194.8%) vs previous periodPrevious: €1,015,659
Operating profit (loss)€1,756,064+€1,765,216 (+19288.3%) vs previous periodPrevious: -€9,152
Profit (loss) for the financial year€115,334+€734,902 (+118.6%) vs previous periodPrevious: -€619,568
Assets€32,050,793+€17,391,703 (+118.6%) vs previous periodPrevious: €14,659,091
Balance-sheet contextLatest financial period
Profit before taxes€115,334Previous: -€619,568
Employees7Previous: 5
Revenue trend3 periods
€133,377
2023-12-31
€1,015,659
2024-12-31
€2,994,310
2025-12-31
Operating profit (loss) trend3 periods
-€612,252
2023-12-31
-€9,152
2024-12-31
€1,756,064
2025-12-31
Profit (loss) for the financial year trend3 periods
-€667,185
2023-12-31
-€619,568
2024-12-31
€115,334
2025-12-31
Assets trend3 periods
€1,222,766
2023-12-31
€14,659,091
2024-12-31
€32,050,793
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioWeak
1/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Equity ratio | 1.7 % | 0.8 % | 0.7 % |
| Current ratio | - | - | - |
| Operating profit margin | -452.8 % | -0.9 % | 58.6 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3331846-1
VAT IDFI33318461
EU IDFIFPRO.3331846-1
MunicipalityEsbo
Current registered entries
2022-12-16VAT-liable for business activity in Tax Administration (VAT Register)
2022-12-16Registered in Tax Administration (Prepayment Register)
2022-12-21Registered in Tax Administration (Tax Administration)
2022-12-21Registered in Patent and Registration Office (Trade Register)
2023-01-01Registered in Tax Administration (Employer Register)
Responsible people
Public role relationships materialized from source observations.
Direct contact details available for logged-in users.
Salonen Milla Emma EmiliaToimitusjohtajaSources: 6 · Confidence: 78%
Matikainen Petri JohannesPuheenjohtajaSources: 4 · Confidence: 78%
Rosenius Carl Richard CasimirVarsinainen jäsenSources: 4 · Confidence: 78%
Andreassen Trond KristianVarsinainen jäsenSources: 2 · Confidence: 78%
Honkamäki Lauri TuomasTilintarkastajaSources: 2 · Confidence: 78%
Mauno Evald LehtonenBoard MemberSources: 1 · Confidence: 76%
Petri MatikainenBoard MemberSources: 1 · Confidence: 76%
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
StableLumi Finance Oy
Grade unchangedB1 · new analysis 2026-10-19
63/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueImproving · 2 consecutive periods
ProfitabilityImproving · 2 consecutive periods
SolvencyStable
LiquidityNot enough history
Same industryDescriptive comparison – does not change the model score.
90 peersSolvency10%
Below 90% of peers
Profitability84%
Better than 84% of peers
Revenue growth97%
Better than 97% of peers
Supporting factors
- Strong operating profitability
- Active registered status
- Lower industry distress context
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB1
2026-10-1963/100 · v0.15
B1 → B1 · +2 points- Evidence quality: Strong financial evidence → Usable financial evidence.
- Risk factor cleared: High balance-sheet leverage.
B1
2026-10-0161/100 · v0.14
Oldest retained automatic assessment in this comparisonB1
2026-10-19
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 riskvery low
88/100
Industry context is very 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
52/100
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
1 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
18 register eventsLatest event: 2025-07-24
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
Lumi Finance Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.