Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade C.Business profile
M Sivonen Oy
M Sivonen Oy's registered office is Julkujärvi. It is a limited company. The company was established on 2021-09-06. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2026-01-31, revenue was €4,814 and operating profit was -€1,979.
Business ID 3232533-6ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3232533-6
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Julkujärvi
- Company form
- Limited company
- Registration date
- 2021-09-06
- Business ID registration date
- 2021-08-31
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Orvokintie 4 G, 39160, Julkujärvi
Email: [email protected]Source observation
People and decision-makers
Sivonen Mika Sami SanteriVarsinainen jäsen
Sivonen Sami KaleviVarajäsen
About M Sivonen Oy
Financial position and key figures for the company.
M Sivonen Oy's location municipality is Julkujärvi. It is a limited company. The company was established on 2021-09-06. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2026-01-31, revenue was €4,814 and operating profit was -€1,979. The latest retained financial statement for 2026-01-31 shows revenue of €4,814 and profit for the financial year of -€2,083. Based on the latest retained statement, revenue growth was -91.6%, operating margin was -41.1%, and equity ratio was +4.5%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimialana on sijoitustoiminta, osakkeiden osto, omistus, myynti ja hallinnointi sekä kiinteistöjen ja asunto-osakkeiden omistus, hallinnointi ja vuokraus, ja kaikki muu laillinen liiketoiminta.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2026-01-31
2
2
Combined source
Derived indicators
Revenue growth-91.6%
Operating margin-41.1%
Equity ratio4.5%
Revenue€4,814-€52,716 (-91.6%) vs previous periodPrevious: €57,530
Operating profit (loss)-€1,979-€2,651 (-394.7%) vs previous periodPrevious: €672
Profit (loss) for the financial year-€2,083-€2,634 (-478.0%) vs previous periodPrevious: €551
Assets€83,476-€213 (-0.3%) vs previous periodPrevious: €83,690
Balance-sheet contextLatest financial period
Employees0Previous: 0
Revenue trend5 periods
€80,198
2021-08-31
€80,198
2023-01-31
€74,977
2024-01-31
€57,530
2025-01-31
€4,814
2026-01-31
Operating profit (loss) trend5 periods
-€32,727
2021-08-31
-€32,727
2023-01-31
-€11,750
2024-01-31
€672
2025-01-31
-€1,979
2026-01-31
Profit (loss) for the financial year trend5 periods
-€32,887
2021-08-31
-€32,887
2023-01-31
-€11,802
2024-01-31
€551
2025-01-31
-€2,083
2026-01-31
Assets trend5 periods
€89,613
2021-08-31
€89,613
2023-01-31
€84,285
2024-01-31
€83,690
2025-01-31
€83,476
2026-01-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioWeak
6/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginWeak
0/100 · Declining
Ratio history
| Ratio | 2021-08-31 | 2023-01-31 | 2024-01-31 | 2025-01-31 | 2026-01-31 |
|---|---|---|---|---|---|
| Equity ratio | 7.9 % | 7.9 % | 0.4 % | 1.0 % | 4.5 % |
| Current ratio | - | 179.17x | - | 101.07x | - |
| Operating profit margin | -40.8 % | -40.8 % | -15.7 % | 1.2 % | -41.1 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3232533-6
EU IDFIFPRO.3232533-6
MunicipalityJulkujärvi
Current registered entries
2021-09-06Registered in Patent and Registration Office (Trade Register)
2021-09-13Registered in Tax Administration (Tax Administration)
2024-06-19Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Sivonen Mika Sami SanteriVarsinainen jäsenSources: 5 · Confidence: 78%
Sivonen Sami KaleviVarajäsenSources: 2 · Confidence: 78%
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
C
Elevated riskM Sivonen Oy
Grade downgradedB2 → C · new analysis 2026-10-17
39/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsProfitabilityVolatile
SolvencyStable
LiquidityNot enough history
Same industryDescriptive comparison – does not change the model score.
100 peersSolvency20%
Below 80% of peers
Profitability7%
Below 93% of peers
Revenue growth7%
Below 93% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings113 days after period end
115 days after period end
1 consecutive periods
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- Lower industry distress context
Risk factors to note
- Negative profitability or net result
- Sharp year-over-year revenue drop
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsC
2026-10-1739/100 · v0.15
B2 → C · -12 points- Revenue: Not enough history → Deteriorating
- Profitability: Not enough history → Volatile
- Solvency: Not enough history → Stable
B2
2026-09-16 20:0851/100 · v0.14
B1 → B2 · -13 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-01-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1464/100 · v0.14
B1 → B1B1
2026-09-1464/100 · v0.13
Oldest retained automatic assessment in this comparisonC
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 riskvery low
89/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 5 years of registry continuity.
Registry and status signalsRajallinen
46/100
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
16 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
6 register eventsLatest event: 2025-05-24
Financial statements availability
Available financial statement periods and PRH source filings.
2 financial statement periodsLatest financial period: 2025-01-31
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
M Sivonen Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.