Risk grade updatedRisk gradeEvidence verified
18 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade C.Business profile
Masterly Oy
Masterly Oy's registered office is Esbo. It is a limited company. The company was established on 2020-07-30. It operates in the industry of activities of agents involved in non-specialised wholesale. In its latest retained statement for 2025-12-31, revenue was €278 and operating profit was -€173.
Business ID 3147765-3ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3147765-3
- Sector
- Activities of agents involved in non-specialised wholesale
- Municipality
- Esbo
- Company form
- Limited company
- Registration date
- 2020-07-30
- Business ID registration date
- 2020-07-17
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Finnoonniitty 1, 02270, Esbo
People and decision-makers
Finér Antti OlaviToimitusjohtaja
Finér Olli EerikkiToimitusjohtajan sijainen
About Masterly Oy
Financial position and key figures for the company.
Masterly Oy's location municipality is Esbo. It is a limited company. The company was established on 2020-07-30. It operates in the industry of activities of agents involved in non-specialised wholesale. In its latest retained statement for 2025-12-31, revenue was €278 and operating profit was -€173. The latest retained financial statement for 2025-12-31 shows revenue of €278 and profit for the financial year of -€172. Based on the latest retained statement, revenue growth was -40.9%, operating margin was -62.0%, and equity ratio was +5.7%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth-40.9%
Operating margin-62.0%
Equity ratio5.7%
Revenue€278-€193 (-41.0%) vs previous periodPrevious: €471
Operating profit (loss)-€173-€239 (-361.4%) vs previous periodPrevious: €66
Profit (loss) for the financial year-€172-€224 (-430.8%) vs previous periodPrevious: €52
Assets€5,861-€115 (-1.9%) vs previous periodPrevious: €5,976
Balance-sheet contextLatest financial period
Employees12Previous: No comparison value
Revenue trend5 periods
€500
2021-12-31
€170
2022-12-31
€653
2023-12-31
€471
2024-12-31
€278
2025-12-31
Operating profit (loss) trend5 periods
€350
2021-12-31
-€132
2022-12-31
€352
2023-12-31
€66
2024-12-31
-€173
2025-12-31
Profit (loss) for the financial year trend5 periods
€279
2021-12-31
-€131
2022-12-31
€305
2023-12-31
€52
2024-12-31
-€172
2025-12-31
Assets trend5 periods
€5,925
2021-12-31
€5,675
2022-12-31
€5,957
2023-12-31
€5,976
2024-12-31
€5,861
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioWeak
7/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginWeak
0/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 4.7 % | 2.6 % | 7.6 % | 8.5 % | 5.7 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | 69.9 % | -62.1 % | 43.4 % | 11.3 % | -62.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3147765-3
VAT IDFI31477653
EU IDFIFPRO.3147765-3
MunicipalityEsbo
Current registered entries
2020-07-16VAT-liable for business activity in Tax Administration (VAT Register)
2020-07-17Registered in Tax Administration (Prepayment Register)
2020-07-30Registered in Tax Administration (Tax Administration)
2020-07-30Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Finér Antti OlaviToimitusjohtajaSources: 2 · Confidence: 78%
Finér Olli EerikkiToimitusjohtajan sijainenSources: 2 · Confidence: 78%
Finér Ville ValtteriPuheenjohtajaSources: 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 riskMasterly Oy
38/100
Medium
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
4 comparable periodsSolvencyStable
LiquidityNot enough history
Same size nationallyDescriptive comparison – does not change the model score.
388 peersSolvency23%
Below 77% of peers
Profitability14%
Below 86% of peers
Revenue growth22%
Below 78% of peers
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative profitability or net result
- Sharp year-over-year revenue drop
- High balance-sheet leverage
C
2026-09-18
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 riskmedium
52/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 6 years of registry continuity.
Registry and status signalsSeurattava
59/100
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.
Registry timeline
Trade register notifications shown on a timeline.
8 register eventsLatest event: 2026-04-28
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
Masterly Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.