Business profile

Maarakennus Tervo Oy

Maarakennus Tervo Oy's registered office is Tallmo. It is a limited company. The company was established on 1994-11-02. It operates in the industry of construction of other civil engineering projects n.e.c.. In its latest retained statement for 2026-02-28, revenue was €1,029,721 and operating profit was €170,941.

Claim profileContact details
Business ID 0975649-6ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
0975649-6
Sector
Construction of other civil engineering projects n.e.c.
Municipality
Tallmo
Company form
Limited company
Registration date
1994-11-02
Business ID registration date
1994-09-16
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Talmantie 332, 04240, Tallmo

Phone: +358400715457Source observation

Email: [email protected]Source observation

Website: https://www.maarakennustervo.fiSource observation

Facebook profile: https://www.facebook.com/www.maarakennustervo.fi/?locale=fi_FISource: company website

Instagram profile: https://www.instagram.com/maarakennus_tervo_oySource: company website

People and decision-makers

Tervo Sami TapaniToimitusjohtaja

About Maarakennus Tervo Oy

Financial position and key figures for the company.

Maarakennus Tervo Oy's location municipality is Tallmo. It is a limited company. The company was established on 1994-11-02. It operates in the industry of construction of other civil engineering projects n.e.c.. In its latest retained statement for 2026-02-28, revenue was €1,029,721 and operating profit was €170,941. The latest retained financial statement for 2026-02-28 shows revenue of €1,029,721 and profit for the financial year of €136,664. Based on the latest retained statement, revenue growth was +26.4%, operating margin was +16.4%, and equity ratio was +83.0%.

Extended business activity

A longer directory- or registry-backed activity description that complements the short registry industry label.

Yhtiön toimiala on maanrakennusalan urakointi-, maa-ainesten jalostus, osto-, myynti- ja kuljetustoiminta, tarvikkeiden osto- ja myyntitoiminta sekä auto- ja konevuokraus. Yhtiö voi ostaa, myydä, omistaa, hallita ja vuokrata kiinteää omaisuutta, osakkeita ja osuuksia.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2026-02-28

Imported periods3
PRH parsed2
Profile sourceCombined source
Derived indicators
Revenue growth26.4%
Operating margin16.4%
Equity ratio83.0%
Revenue€1,029,721+€215,040 (+26.4%) vs previous periodPrevious: €814,681
Operating profit (loss)€170,941+€143,111 (+514.2%) vs previous periodPrevious: €27,830
Profit (loss) for the financial year€136,664+€110,586 (+424.1%) vs previous periodPrevious: €26,078
Assets€662,485+€13,918 (+2.1%) vs previous periodPrevious: €648,567
Balance-sheet contextLatest financial period
Other operating income€10,984Previous: €52,863
Cash and bank€214,823Previous: €241,192
Retained earnings€410,335Previous: €514,256
Profit before taxes€171,031Previous: €27,877
Equity€550,194Previous: €543,530
Liabilities€112,291Previous: €105,037
Current assets€374,652Previous: €374,115
Current liabilities€102,995Previous: €105,037
Employees5Previous: 6
Revenue trend5 periods
€954,557
2022-02-28
€809,875
2023-02-28
€733,350
2024-02-29
€814,681
2025-02-28
€1,029,721
2026-02-28
Operating profit (loss) trend5 periods
€85,081
2022-02-28
€7,952
2023-02-28
-€12,724
2024-02-29
€27,830
2025-02-28
€170,941
2026-02-28
Profit (loss) for the financial year trend5 periods
€68,212
2022-02-28
€4,197
2023-02-28
-€12,237
2024-02-29
€26,078
2025-02-28
€136,664
2026-02-28
Assets trend5 periods
€1,224,418
2022-02-28
€812,899
2023-02-28
€695,164
2024-02-29
€648,567
2025-02-28
€662,485
2026-02-28

Financial ratios

Financial ratios based on financial statement data. Source: Yhdistetty lähde.

Equity ratioGood
100/100 · Declining
83.0 %2025-02-28: 83.8 %
Current ratioGood
70/100 · Declining
2.09x2025-02-28: 2.30x
Operating profit marginGood
91/100 · Improving
16.4 %2025-02-28: 3.2 %
Ratio history
Ratio2022-02-282023-02-282024-02-292025-02-282026-02-28
Equity ratio72.5 %95.0 %90.3 %83.8 %83.0 %
Current ratio---2.30x2.09x
Operating profit margin8.9 %1.0 %-1.7 %3.2 %16.4 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID0975649-6
VAT IDFI09756496
EU IDFIFPRO.0975649-6
MunicipalityTallmo
Current registered entries
1994-09-11VAT-liable for business activity in Tax Administration (VAT Register)
1994-09-16Registered in Tax Administration (Tax Administration)
1994-11-02Registered in Patent and Registration Office (Trade Register)
1995-03-01Registered in Tax Administration (Prepayment Register)
2004-01-01Registered in Tax Administration (Employer Register)

Responsible people

Public role relationships materialized from source observations.

Tervo Sami TapaniToimitusjohtajaSources: 5 · Confidence: 78%
Tervo Tomi WilliamPuheenjohtajaSources: 5 · Confidence: 78%
Tervo Sami TapaniVarsinainen jäsenSources: 2 · Confidence: 78%
Lampila Jukka TapaniTilintarkastajaSources: 2 · Confidence: 78%
Tervo Timo WilliamVarajäsenSources: 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
A2
Very goodMaarakennus Tervo Oy
Grade unchangedA2 · new analysis 2026-10-18
Model score84/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
4 comparable periods
RevenueImproving · 2 consecutive periods
ProfitabilityImproving · 2 consecutive periods
SolvencyDeteriorating
LiquidityStable
Peer comparisonSame industryDescriptive comparison – does not change the model score.
141 peers
Solvency84%
Better than 84% of peers
Profitability76%
Better than 76% of peers
Liquidity84%
Better than 84% of peers
Revenue growth81%
Better than 81% 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.
3 observed filings
Latest registration lag119 days after period end
Typical registration lag153 days after period end
Annual continuity3 consecutive periods
Supporting factors
  • Strong equity ratio
  • Strong operating profitability
  • Healthy short-term liquidity
Risk factors to note
  • Elevated industry distress context
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
3 assessments
A2
2026-10-1884/100 · v0.15
A2 → A2 · +4 points
  • Liquidity: Not enough history → Stable
  • Assessment confidence: Medium → High.
  • Evidence quality: Usable financial evidence → Strong financial evidence.
A2
2026-09-1580/100 · v0.14
A2 → A2
  • Revenue: Improving
  • Profitability: Improving
  • Solvency: Deteriorating
A2
2026-09-1480/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeA2
Automatic model snapshot2026-10-18
Automatic model versionopen-risk-grade-v0.15
Financial data included

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

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 riskhigh
23/100

Industry context is high based on normalized open statistical inputs.

Age and continuityVakiintunut
90/100

The company has about 31 years of registry continuity.

Registry and status signalsVakaa
88/100

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
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.
Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.

Registry timeline

Trade register notifications shown on a timeline.

22 register eventsLatest event: 2026-06-27

Financial statements availability

Available financial statement periods and PRH source filings.

3 financial statement periodsLatest financial period: 2026-02-28

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-05.

This company profile has not been claimed yet

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