Business profile

My Finance Oy

My Finance Oy's registered office is Helsingfors. It is a limited company. The company was established on 2021-12-15. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2024-12-31, revenue was €205,290 and operating profit was €45,125.

Claim profileContact details
Business ID 3251549-8ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3251549-8
Sector
Other financial service activities, except insurance and pension funding n.e.c.
Municipality
Helsingfors
Company form
Limited company
Registration date
2021-12-15
Business ID registration date
2021-11-26
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Vanamotie 14 A, 00930, Helsingfors

About My Finance Oy

Financial position and key figures for the company.

My Finance Oy's location municipality is Helsingfors. It is a limited company. The company was established on 2021-12-15. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2024-12-31, revenue was €205,290 and operating profit was €45,125. The latest retained financial statement for 2024-12-31 shows revenue of €205,290 and profit for the financial year of €37,189. Based on the latest retained statement, revenue growth was +264.4%, operating margin was +22.0%, and equity ratio was +6.4%.

Financial highlights

Key figures from the latest financial period.

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Latest financial period

2024-12-31

Imported periods2
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth264.4%
Operating margin22.0%
Equity ratio6.4%
Revenue€205,290+€148,956 (+264.4%) vs previous periodPrevious: €56,334
Operating profit (loss)€45,125+€42,397 (+1553.8%) vs previous periodPrevious: €2,729
Profit (loss) for the financial year€37,189+€34,460 (+1262.9%) vs previous periodPrevious: €2,729
Assets€715,632+€201,966 (+39.3%) vs previous periodPrevious: €513,666
Balance-sheet contextLatest financial period
Inventory€715,255Previous: €512,523
Cash and bank€377Previous: €349
Retained earnings-€6,495Previous: -€9,223
Equity€45,694Previous: €8,505
Liabilities€669,938Previous: €505,161
Current assets€715,632Previous: €513,666
Current liabilities€7,764Previous: €637
Operating profit (loss) trend2 periods
-€9,223
2022-12-31
€45,125
2024-12-31
Profit (loss) for the financial year trend2 periods
-€9,223
2022-12-31
€37,189
2024-12-31
Assets trend2 periods
€318,024
2022-12-31
€715,632
2024-12-31

Financial ratios

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

Equity ratioWeak
8/100 · Improving
6.4 %2022-12-31: 1.8 %
Current ratioGood
100/100 · Declining
92.18x2022-12-31: 431.39x
Operating profit marginGood
100/100 · Improving
22.0 %2022-12-31: 4.8 %
Ratio history
Ratio2022-12-312024-12-31
Equity ratio1.8 %6.4 %
Current ratio431.39x92.18x
Operating profit margin-22.0 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3251549-8
VAT IDFI32515498
EU IDFIFPRO.3251549-8
MunicipalityHelsingfors
Current registered entries
2021-12-15Registered in Tax Administration (Tax Administration)
2021-12-15Registered in Patent and Registration Office (Trade Register)
2023-12-05VAT-liable for business activity in Tax Administration (VAT Register)
2023-12-05Registered 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
B1
StableMy Finance Oy
Grade unchangedB1 · new analysis 2026-10-18
Model score65/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Peer comparisonSame industry and sizeDescriptive comparison – does not change the model score.
59 peers
Solvency10%
Below 90% of peers
Profitability47%
Close to the peer-group midpoint
Liquidity90%
Better than 90% of peers
Financial statement reporting patternMixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings
Latest registration lag52 days after period end
Typical registration lag70 days after period end
Annual continuity1 consecutive periods
Supporting factors
  • Strong operating profitability
  • Healthy short-term liquidity
  • Company context reduces the weight of an isolated financial signal
Risk factors to note
  • High balance-sheet leverage
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
B1
2026-10-1865/100 · v0.15
B1 → B1
B1
2026-09-30 08:1965/100 · v0.14
B1 → B1
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2024-12-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1565/100 · v0.14
B1 → B1 · +5 points
  • Assessment confidence: Low → Medium.
  • Evidence quality: Registry and statistical evidence → Registry and statistical evidence.
  • New risk factor: Sufficient structured financial metrics are not available.
B1
2026-09-1460/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB1
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.

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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 continuityNuori
35/100

The company has about 4 years of registry continuity.

Registry and status signalsRajallinen
53/100

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 B1.
Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.

Registry timeline

Trade register notifications shown on a timeline.

8 register eventsLatest event: 2026-03-28

Financial statements availability

Available financial statement periods and PRH source filings.

2 financial statement periodsLatest financial period: 2024-12-31

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-22.

This company profile has not been claimed yet

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