Risk grade updatedRisk gradeEvidence verified
22 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → A2.Business profile
Luottopelti Oy
Luottopelti Oy's registered office is Pirkkala. It is a limited company. The company was established on 2019-02-04. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2025-12-31, revenue was €588,907 and operating profit was €121,452.
Business ID 2964485-4ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2964485-4
- Sector
- Construction of residential and non-residential buildings
- Municipality
- Pirkkala
- Company form
- Limited company
- Registration date
- 2019-02-04
- Business ID registration date
- 2019-01-09
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Anian Rantatie 279, 33980, Pirkkala
Website: https://www.luottopelti.fiSource observation
About Luottopelti Oy
Financial position and key figures for the company.
Luottopelti Oy's location municipality is Pirkkala. It is a limited company. The company was established on 2019-02-04. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2025-12-31, revenue was €588,907 and operating profit was €121,452. The latest retained financial statement for 2025-12-31 shows revenue of €588,907 and profit for the financial year of €88,286. Based on the latest retained statement, revenue growth was +73.5%, operating margin was +20.6%, and equity ratio was +73.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
4
2
PRH/XBRL financial statement
Derived indicators
Revenue growth73.5%
Operating margin20.6%
Equity ratio73.0%
Balance-sheet contextLatest financial period
Inventory€3,450Previous: €158,800
Cash and bank€110,680Previous: €74,582
Retained earnings€139,042Previous: €119,251
Equity€229,828Previous: €153,842
Liabilities€85,099Previous: €245,392
Current assets€140,265Previous: €248,353
Current liabilities€29,096Previous: €81,995
Revenue trend2 periods
€339,368
2024-12-31
€588,907
2025-12-31
Operating profit (loss) trend2 periods
€49,867
2024-12-31
€121,452
2025-12-31
Profit (loss) for the financial year trend2 periods
€32,091
2024-12-31
€88,286
2025-12-31
Assets trend2 periods
€399,234
2024-12-31
€314,927
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
91/100 · Improving
Current ratioGood
100/100 · Improving
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 38.5 % | 73.0 % |
| Current ratio | 2.85x | 3.92x |
| Operating profit margin | 14.7 % | 20.6 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2964485-4
VAT IDFI29644854
EU IDFIFPRO.2964485-4
MunicipalityPirkkala
Current registered entries
2019-02-04Registered in Tax Administration (Tax Administration)
2019-02-04Registered in Patent and Registration Office (Trade Register)
2019-02-18VAT-liable for business activity in Tax Administration (VAT Register)
2019-02-18Registered in Tax Administration (Prepayment Register)
2022-12-19Registered in Tax Administration (Employer Register)
2025-06-01VAT-obliged for the transfer of rights to use immovable property in Tax Administration (VAT 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 goodLuottopelti Oy
Grade upgradedB2 → A2 · new analysis 2026-09-22
80/100
High
Strong financial evidenceFinancial data included
Several key financial indicators show coordinated recovery.
3 comparable periodsRevenueImproving
ProfitabilityImproving
SolvencyImproving
LiquidityImproving
Same size nationallyDescriptive comparison – does not change the model score.
366 peersSolvency69%
Better than 69% of peers
Profitability81%
Better than 81% of peers
Liquidity88%
Better than 88% of peers
Revenue growth95%
Better than 95% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings86 days after period end
53 days after period end
4 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Healthy short-term liquidity
Risk factors to note
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsA2
2026-09-22 22:0680/100 · v0.14
B2 → A2 · +29 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.
B2
2026-09-1451/100 · v0.14
B2 → B2 · -2 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.
B2
2026-09-1353/100 · v0.12
Oldest retained automatic assessment in this comparisonA2
2026-09-22
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 riskhigh
25/100
Industry context is high based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 7 years of registry continuity.
Registry and status signalsSeurattava
68/100
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
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Risk grade updatedRisk gradeEvidence verified
13 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
11 register eventsLatest event: 2026-03-27
Financial statements availability
Available financial statement periods and PRH source filings.
4 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
Luottopelti Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.