Business profile

NKL Consulting Oy

NKL Consulting Oy's registered office is Turku. It is a limited company. The company was established on 2022-12-05. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €77,264 and operating profit was -€9,822.

Claim profileContact details
Business ID 3328750-3ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3328750-3
Sector
Activities of insurance agents and brokers
Municipality
Turku
Company form
Limited company
Registration date
2022-12-05
Business ID registration date
2022-11-30
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Ursininkatu 3 C 71, 20100, Turku

About NKL Consulting Oy

Financial position and key figures for the company.

NKL Consulting Oy's location municipality is Turku. It is a limited company. The company was established on 2022-12-05. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €77,264 and operating profit was -€9,822. The latest retained financial statement for 2025-12-31 shows revenue of €77,264 and profit for the financial year of -€12,899. Based on the latest retained statement, revenue growth was -11.7%, operating margin was -12.7%, and equity ratio was -43.2%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods3
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-11.7%
Operating margin-12.7%
Equity ratio-43.2%
Revenue€77,264-€10,255 (-11.7%) vs previous periodPrevious: €87,519
Operating profit (loss)-€9,822-€11,294 (-767.2%) vs previous periodPrevious: €1,472
Profit (loss) for the financial year-€12,899-€19,688 (-290.0%) vs previous periodPrevious: €6,789
Assets€897-€12,997 (-93.5%) vs previous periodPrevious: €13,894
Balance-sheet contextLatest financial period
Cash and bank€897Previous: €13,894
Retained earnings€12,511Previous: €5,722
Equity-€388Previous: €12,511
Liabilities€1,285Previous: €1,383
Current assets€897Previous: €13,894
Current liabilities€1,285Previous: €1,383
Revenue trend2 periods
€87,519
2024-12-31
€77,264
2025-12-31
Operating profit (loss) trend2 periods
€1,472
2024-12-31
-€9,822
2025-12-31
Profit (loss) for the financial year trend2 periods
€6,789
2024-12-31
-€12,899
2025-12-31
Assets trend2 periods
€13,894
2024-12-31
€897
2025-12-31

Financial ratios

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

Equity ratioWeak
0/100 · Declining
-43.2 %2024-12-31: 90.0 %
Current ratioPassable
23/100 · Declining
0.70x2024-12-31: 10.05x
Operating profit marginWeak
18/100 · Declining
-12.7 %2024-12-31: 1.7 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio90.0 %-43.2 %
Current ratio10.05x0.70x
Operating profit margin1.7 %-12.7 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3328750-3
EU IDFIFPRO.3328750-3
MunicipalityTurku
Current registered entries
2022-12-05Registered in Tax Administration (Tax Administration)
2022-12-05Registered in Patent and Registration Office (Trade Register)
2023-01-01Registered in Tax Administration (Prepayment Register)
2023-01-15Registered in Tax Administration (Employer 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 riskNKL Consulting Oy
Grade unchangedD · new analysis 2026-10-18
Model score25/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
3 comparable periods
RevenueDeteriorating
ProfitabilityDeteriorating
SolvencyDeteriorating
LiquidityDeteriorating
Peer comparisonSame industryDescriptive comparison – does not change the model score.
69 peers
Solvency4%
Below 96% of peers
Profitability7%
Below 93% of peers
Liquidity55%
Better than 55% of peers
Revenue growth17%
Below 83% 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 lag69 days after period end
Typical registration lag69 days after period end
Annual continuity3 consecutive periods
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 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
2026-10-1825/100 · v0.15
D → D
D
2026-10-01 02:0225/100 · v0.14
B2 → D · -32 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
2026-09-1557/100 · v0.14
B2 → B2
  • Assessment confidence: Low → Medium.
  • Evidence quality: Registry and statistical evidence → Registry and statistical evidence.
  • New risk factor: Sufficient structured financial metrics are not available.
B2
2026-09-1457/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeD
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 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
46/100

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
1 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → D.
Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.

Registry timeline

Trade register notifications shown on a timeline.

5 register eventsLatest event: 2026-03-10

Financial statements availability

Available financial statement periods and PRH source filings.

3 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

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