Business profile

M.S. Ins. Oy

M.S. Ins. Oy's registered office is Lepsämä. It is a limited company. The company was established on 2021-05-21. It operates in the industry of development of building projects. In its latest retained statement for 2026-06-30, revenue was €194,192 and operating profit was -€2,209.

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Business ID 3212056-8ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3212056-8
Sector
Development of building projects
Municipality
Lepsämä
Company form
Limited company
Registration date
2021-05-21
Business ID registration date
2021-05-19
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Hernemäenkallio 3, 01830, Lepsämä

About M.S. Ins. Oy

Financial position and key figures for the company.

M.S. Ins. Oy's location municipality is Lepsämä. It is a limited company. The company was established on 2021-05-21. It operates in the industry of development of building projects. In its latest retained statement for 2026-06-30, revenue was €194,192 and operating profit was -€2,209. The latest retained financial statement for 2026-06-30 shows revenue of €194,192 and profit for the financial year of -€2,778. Based on the latest retained statement, revenue growth was -34.1%, operating margin was -1.1%, and equity ratio was +6.3%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2026-06-30

Imported periods5
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-34.1%
Operating margin-1.1%
Equity ratio6.3%
Revenue€194,192-€100,666 (-34.1%) vs previous periodPrevious: €294,858
Operating profit (loss)-€2,209-€43,517 (-105.3%) vs previous periodPrevious: €41,308
Profit (loss) for the financial year-€2,778-€33,242 (-109.1%) vs previous periodPrevious: €30,464
Assets€1,524,203+€1,364,580 (+854.9%) vs previous periodPrevious: €159,623
Balance-sheet contextLatest financial period
Other operating income€240Previous: €1,092
Cash and bank€15,490Previous: €34,975
Retained earnings€98,597Previous: €76,706
Equity€95,819Previous: €107,170
Liabilities€1,428,384Previous: €52,452
Current assets€53,616Previous: €115,700
Current liabilities€978,971Previous: €34,531
Revenue trend2 periods
€294,858
2025-06-30
€194,192
2026-06-30
Operating profit (loss) trend2 periods
€41,308
2025-06-30
-€2,209
2026-06-30
Profit (loss) for the financial year trend2 periods
€30,464
2025-06-30
-€2,778
2026-06-30
Assets trend2 periods
€159,623
2025-06-30
€1,524,203
2026-06-30

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioWeak
8/100 · Declining
6.3 %2025-06-30: 67.1 %
Current ratioWeak
1/100 · Declining
0.02x2025-06-30: 1.01x
Operating profit marginWeak
47/100 · Declining
-1.1 %2025-06-30: 14.0 %
Ratio history
Ratio2025-06-302026-06-30
Equity ratio67.1 %6.3 %
Current ratio1.01x0.02x
Operating profit margin14.0 %-1.1 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3212056-8
VAT IDFI32120568
EU IDFIFPRO.3212056-8
MunicipalityLepsämä
Current registered entries
2021-05-19VAT-liable for business activity in Tax Administration (VAT Register)
2021-05-19Registered in Tax Administration (Prepayment Register)
2021-05-21Registered in Tax Administration (Tax Administration)
2021-05-21Registered 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
D
High riskM.S. Ins. Oy
Grade unchangedD · new analysis 2026-10-17
Model score27/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
3 comparable periods
RevenueDeteriorating
ProfitabilityDeteriorating
SolvencyDeteriorating
LiquidityDeteriorating
Peer comparisonSame industryDescriptive comparison – does not change the model score.
129 peers
Solvency22%
Below 78% of peers
Profitability19%
Below 81% of peers
Liquidity30%
Below 70% of peers
Revenue growth11%
Below 89% of peers
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings
Latest registration lag66 days after period end
Typical registration lag58 days after period end
Annual continuity4 consecutive periods
Supporting factors
  • Active registered status
Risk factors to note
  • Weak current ratio
  • Negative profitability or net result
  • Sharp year-over-year revenue drop
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
D
2026-10-1727/100 · v0.15
D → D
D
2026-09-16 16:1127/100 · v0.14
B2 → D · -29 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-06-30).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B2
2026-09-1456/100 · v0.14
B2 → B2
B2
2026-09-1456/100 · v0.13
Oldest retained automatic assessment in this comparison
Automatic model gradeD
Automatic model snapshot2026-10-17
Automatic model versionopen-risk-grade-v0.15
Financial data included

The grade can use open digital financial statement data together with registry signals.

A serious financial risk signal affects this grade. Review the profile financial indicators as well.

Verify 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 riskmedium
53/100

Industry context is medium based on normalized open statistical inputs.

Age and continuityHyvä
60/100

The company has about 5 years of registry continuity.

Registry and status signalsRajallinen
51/100

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 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade D.
Risk grade updatedRisk gradeEvidence verified
16 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → D.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.

Registry timeline

Trade register notifications shown on a timeline.

6 register eventsLatest event: 2025-08-19

Financial statements availability

Available financial statement periods and PRH source filings.

5 financial statement periodsLatest financial period: 2026-06-30

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2025-12-31.

This company profile has not been claimed yet

M.S. Ins. Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.