Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
Nagu Andelsbank
Nagu Andelsbank's registered office is Nagu. It is a cooperative bank. The company was established on 1924-10-14. It operates in the industry of other monetary intermediation.
Business ID 0135719-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0135719-1
- Sector
- Other monetary intermediation
- Municipality
- Nagu
- Company form
- Cooperative bank
- Registration date
- 1924-10-14
- Business ID registration date
- 1978-03-15
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Skärgårdsvägen 4540, 21660, Nagu
Phone: +358102552810Source observation
Website: https://nagubor.fiSource observation
Instagram profile: https://www.instagram.com/pronagu.fiSource: company website
Facebook profile: https://www.facebook.com/pronaguSource: company website
People and decision-makers
Björklöf Alice MargaretaToimitusjohtaja
Bernqvist Anna-KajsaToimitusjohtajan sijainen
About Nagu Andelsbank
Financial position and key figures for the company.
Nagu Andelsbank's location municipality is Nagu. It is a cooperative bank. The company was established on 1924-10-14. It operates in the industry of other monetary intermediation. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +9.0%.
Auxiliary business names
Public alternate names materialized from source observations.
Nauvon Osuuspankki
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Equity ratio9.0%
Operating profit (loss)€711,257-€31,797 (-4.3%) vs previous periodPrevious: €743,054
Profit (loss) for the financial year€628,706+€11,945 (+1.9%) vs previous periodPrevious: €616,761
Assets€125,204,138Previous comparison not availablePrevious: No comparison value
Balance-sheet contextLatest financial period
Operating profit (loss) trend4 periods
€231,096
2022-12-31
€1,144,858
2023-12-31
€743,054
2024-12-31
€711,257
2025-12-31
Profit (loss) for the financial year trend4 periods
€138,237
2022-12-31
€978,175
2023-12-31
€616,761
2024-12-31
€628,706
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioWeak
11/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Equity ratio | 8.3 % | 9.7 % | - | 9.0 % |
| Current ratio | - | - | - | - |
| Operating profit margin | - | - | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0135719-1
VAT IDFI01357191
MunicipalityNagu
Current registered entries
1924-10-14Registered in Patent and Registration Office (Trade Register)
1977-04-01Registered in Tax Administration (Employer Register)
1978-03-15Registered in Tax Administration (Tax Administration)
1995-03-01Registered in Tax Administration (Prepayment Register)
2002-07-01Member of liability group in Tax Administration (VAT Register)
Responsible people
Public role relationships materialized from source observations.
Björklöf Alice MargaretaToimitusjohtajaSources: 4 · Confidence: 78%
Bernqvist Anna-KajsaToimitusjohtajan sijainenSources: 2 · Confidence: 78%
Eriksson Mats Otto JohannesPuheenjohtajaSources: 4 · Confidence: 78%
John LjungmanHallintoneuvosto: puheenjohtajaSources: 1 · Confidence: 76%
Johansson Camilla Regina MariaOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Dahlen Karl RuneVarsinainen jäsenSources: 4 · Confidence: 78%
Edfelt Carl RolandVarsinainen jäsenSources: 4 · Confidence: 78%
Palmroos Petra SofiVarsinainen jäsenSources: 3 · Confidence: 78%
Ristimäki Annette EllinorOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Onni Anita MargarethaOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
Åberg Anne-MajVarsinainen jäsenSources: 3 · Confidence: 78%
Tommy NymalmHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Hanne SaarinenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Erik SmedsHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Lilli JohanssonPäävastuullinen tilintarkastajaSources: 1 · Confidence: 76%
Linda LindbergHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Heidi AdolfssonHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Daniel BlombergHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Kristian EklundHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Lena JanssonHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Erik JansénHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Nina KarlgrenHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Katja LundströmHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
Kari MäkiHallintoneuvosto: varsinainen jäsenSources: 1 · Confidence: 76%
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 goodNagu Andelsbank
Grade upgradedB1 → A2 · new analysis 2026-10-18
84/100
Medium
Limited financial evidenceRegistry and statistics based
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
- Sufficient structured financial metrics are not available
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA2
2026-10-1884/100 · v0.15
B1 → A2 · +23 points- Assessment confidence: Low → Medium.
- Evidence quality: Usable financial evidence → Limited financial evidence.
- New risk factor: Sufficient structured financial metrics are not available.
B1
2026-10-0761/100 · v0.14
Oldest retained automatic assessment in this comparisonA2
2026-10-18
open-risk-grade-v0.15
The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 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 riskvery low
87/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityVakiintunut
100/100
The company has about 102 years of registry continuity.
Registry and status signalsVakaa
89/100
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
7 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
48 register eventsLatest event: 2026-05-29
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-02-06.
This company profile has not been claimed yet
Nagu Andelsbank shows public core facts. A company representative can claim the profile, update public information, and access owner tools.