Business profile

MS Finance Oy

MS Finance Oy's registered office is Vanda. It is a limited company. The company was established on 2023-10-11. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €65,128 and operating profit was -€8,789.

Claim profileContact details
Business ID 3394934-3ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3394934-3
Sector
Activities of insurance agents and brokers
Municipality
Vanda
Company form
Limited company
Registration date
2023-10-11
Business ID registration date
2023-10-05
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Silkkitehtaantie 5 A 14, 01300, Vanda

About MS Finance Oy

Financial position and key figures for the company.

MS Finance Oy's location municipality is Vanda. It is a limited company. The company was established on 2023-10-11. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €65,128 and operating profit was -€8,789. The latest retained financial statement for 2025-12-31 shows revenue of €65,128 and profit for the financial year of -€12,640. Based on the latest retained statement, revenue growth was -35.0%, operating margin was -13.5%, and equity ratio was -268.0%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods2
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-35.0%
Operating margin-13.5%
Equity ratio-268.0%
Revenue€65,128-€35,113 (-35.0%) vs previous periodPrevious: €100,240
Operating profit (loss)-€8,789+€8,213 (+48.3%) vs previous periodPrevious: -€17,001
Profit (loss) for the financial year-€12,640+€5,761 (+31.3%) vs previous periodPrevious: -€18,401
Assets€11,583+€6,240 (+116.8%) vs previous periodPrevious: €5,343
Balance-sheet contextLatest financial period
Other operating income€0Previous: €6
Cash and bank€0Previous: -€8
Retained earnings-€18,401Previous: €0
Equity-€31,042Previous: -€18,401
Liabilities€42,625Previous: €23,744
Current assets€11,583Previous: €5,343
Current liabilities€42,625Previous: €23,744
Revenue trend2 periods
€100,240
2024-12-31
€65,128
2025-12-31
Operating profit (loss) trend2 periods
-€17,001
2024-12-31
-€8,789
2025-12-31
Profit (loss) for the financial year trend2 periods
-€18,401
2024-12-31
-€12,640
2025-12-31
Assets trend2 periods
€5,343
2024-12-31
€11,583
2025-12-31

Financial ratios

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

Equity ratioWeak
0/100 · Improving
-268.0 %2024-12-31: -344.4 %
Current ratioWeak
0/100 · Stable
0.00x2024-12-31: 0.00x
Operating profit marginWeak
16/100 · Improving
-13.5 %2024-12-31: -17.0 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio-344.4 %-268.0 %
Current ratio0.00x0.00x
Operating profit margin-17.0 %-13.5 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3394934-3
EU IDFIFPRO.3394934-3
MunicipalityVanda
Current registered entries
2023-10-11Registered in Tax Administration (Tax Administration)
2023-10-11Registered in Patent and Registration Office (Trade Register)
2023-11-01Registered in Tax Administration (Prepayment 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 riskMS Finance Oy
Grade unchangedD · new analysis 2026-10-17
Model score25/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
2 comparable periods
RevenueDeteriorating
ProfitabilityImproving
SolvencyImproving
LiquidityStable
Peer comparisonSame industry and sizeDescriptive comparison – does not change the model score.
67 peers
Solvency3%
Below 97% of peers
Profitability22%
Below 78% of peers
Liquidity16%
Below 84% of peers
Revenue growth15%
Below 85% 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.
2 observed filings
Latest registration lag156 days after period end
Typical registration lag98 days after period end
Annual continuity2 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 equity
  • Weak current ratio
  • Negative profitability or net result
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
D
2026-10-1725/100 · v0.15
D → D · +15 points
  • New supporting factor: Company context reduces the weight of an isolated financial signal.
D
2026-09-18 19:0410/100 · v0.14
B2 → D · -40 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B2
2026-09-1450/100 · v0.14
B2 → B2
B2
2026-09-1450/100 · 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.

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 risklow
77/100

Industry context is low based on normalized open statistical inputs.

Age and continuityNuori
35/100

The company has about 3 years of registry continuity.

Registry and status signalsRajallinen
34/100

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
18 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.

3 register eventsLatest event: 2025-02-08

Financial statements availability

Available financial statement periods and PRH source filings.

2 financial statement periodsLatest financial period: 2025-12-31

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

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