Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
NVT Finance Oy
NVT Finance Oy's registered office is Esbo. It is a limited company. The company was established on 2023-11-17. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €121,148 and operating profit was €15,622.
Business ID 3405582-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3405582-7
- Sector
- Activities of insurance agents and brokers
- Municipality
- Esbo
- Company form
- Limited company
- Registration date
- 2023-11-17
- Business ID registration date
- 2023-11-14
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Hovitie 11 C 5, 02940, Esbo
Phone: +358505598888Source observation
Email: [email protected]Source observation
People and decision-makers
Nguyen Viet TommyVarsinainen jäsen
Nguyen Anh MichaelVarajäsen
About NVT Finance Oy
Financial position and key figures for the company.
NVT Finance Oy's location municipality is Esbo. It is a limited company. The company was established on 2023-11-17. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €121,148 and operating profit was €15,622. The latest retained financial statement for 2025-12-31 shows revenue of €121,148 and profit for the financial year of €12,497. Based on the latest retained statement, revenue growth was -3.0%, operating margin was +12.9%, and equity ratio was +80.3%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth-3.0%
Operating margin12.9%
Equity ratio80.3%
Revenue€121,148-€3,707 (-3.0%) vs previous periodPrevious: €124,855
Operating profit (loss)€15,622-€23,276 (-59.8%) vs previous periodPrevious: €38,898
Profit (loss) for the financial year€12,497-€18,630 (-59.9%) vs previous periodPrevious: €31,127
Assets€51,219+€14,368 (+39.0%) vs previous periodPrevious: €36,851
Balance-sheet contextLatest financial period
Employees1Previous: 1
Revenue trend2 periods
€124,855
2024-12-31
€121,148
2025-12-31
Operating profit (loss) trend2 periods
€38,898
2024-12-31
€15,622
2025-12-31
Profit (loss) for the financial year trend2 periods
€31,127
2024-12-31
€12,497
2025-12-31
Assets trend2 periods
€36,851
2024-12-31
€51,219
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
82/100 · Declining
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 84.5 % | 80.3 % |
| Current ratio | - | - |
| Operating profit margin | 31.1 % | 12.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3405582-7
EU IDFIFPRO.3405582-7
MunicipalityEsbo
Current registered entries
2023-11-14Registered in Tax Administration (Prepayment Register)
2023-11-17Registered in Tax Administration (Tax Administration)
2023-11-17Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Nguyen Viet TommyVarsinainen jäsenSources: 4 · Confidence: 78%
Nguyen Anh MichaelVarajäsenSources: 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
A3
GoodNVT Finance Oy
Grade unchangedA3 · new analysis 2026-10-17
71/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
2 comparable periodsRevenueStable
SolvencyStable
LiquidityNot enough history
Same industry and sizeDescriptive comparison – does not change the model score.
66 peersSolvency59%
Better than 59% of peers
Profitability41%
Below 59% of peers
Revenue growth32%
Below 68% of peers
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Active registered status
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA3
2026-10-1771/100 · v0.15
A3 → A3A3
2026-10-1571/100 · v0.14
Oldest retained automatic assessment in this comparisonA3
2026-10-17
open-risk-grade-v0.15
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 risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityNuori
15/100
The company has about 2 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
15 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Registry timeline
Trade register notifications shown on a timeline.
3 register eventsLatest event: 2025-02-07
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
NVT Finance Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.