Risk grade updatedRisk gradeEvidence verified
2 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3 → B2.Business profile
Luotu Oy
Luotu Oy's registered office is Paavola. It is a limited company. The company was established on 2024-01-25. It operates in the industry of computer programming activities. In its latest retained statement for 2025-06-30, revenue was €63,452 and operating profit was €4,010.
Business ID 3417986-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3417986-2
- Sector
- Computer programming activities
- Municipality
- Paavola
- Company form
- Limited company
- Registration date
- 2024-01-25
- Business ID registration date
- 2024-01-10
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kirkkotie 12 as. 1, 92430, Paavola
About Luotu Oy
Financial position and key figures for the company.
Luotu Oy's location municipality is Paavola. It is a limited company. The company was established on 2024-01-25. It operates in the industry of computer programming activities. In its latest retained statement for 2025-06-30, revenue was €63,452 and operating profit was €4,010. The latest retained financial statement for 2025-06-30 shows revenue of €63,452 and profit for the financial year of €3,158. Based on the latest retained statement, revenue growth was not currently available, operating margin was +6.3%, and equity ratio was +27.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-06-30
1
1
PRH/XBRL financial statement
Derived indicators
Operating margin6.3%
Equity ratio27.4%
Balance-sheet contextLatest financial period
Other operating income€202Previous: €2,085
Cash and bank€5,349Previous: €16,533
Advances received€0Previous: €23,372
Retained earnings€23Previous: €0
Equity€3,181Previous: €23
Liabilities€8,442Previous: €32,659
Current assets€5,838Previous: €26,897
Current liabilities€8,442Previous: €32,659
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioPassable
34/100 · Improving
Current ratioPassable
21/100 · Improving
Operating profit marginSatisfactory
66/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3417986-2
VAT IDFI34179862
EU IDFIFPRO.3417986-2
MunicipalityPaavola
Current registered entries
2024-01-10VAT-liable for business activity in Tax Administration (VAT Register)
2024-01-10Registered in Tax Administration (Prepayment Register)
2024-01-25Registered in Tax Administration (Tax Administration)
2024-01-25Registered 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
B2
SatisfactoryLuotu Oy
Grade upgradedB3 → B2 · new analysis 2026-10-02
56/100
Medium
Usable financial evidenceFinancial data included
Same size nationallyDescriptive comparison – does not change the model score.
80 peersSolvency38%
Below 62% of peers
Profitability57%
Better than 57% of peers
Liquidity63%
Better than 63% 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 filings235 days after period end
235 days after period end
1 consecutive periods
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Weak current ratio
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsB2
2026-10-02 06:4856/100 · v0.14
B3 → B2 · +11 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-06-30).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B3
2026-09-1545/100 · v0.14
B2 → B3 · -6 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
2026-09-1451/100 · v0.12
Oldest retained automatic assessment in this comparisonB2
2026-10-02
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 riskelevated
49/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityNuori
15/100
The company has about 2 years of registry continuity.
Registry and status signalsRajallinen
48/100
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 B3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
9 register eventsLatest event: 2026-04-04
Financial statements availability
Available financial statement periods and PRH source filings.
1 financial statement periodsLatest financial period: 2025-06-30
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-04-06.
This company profile has not been claimed yet
Luotu Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.