Risk grade updatedRisk gradeEvidence verified
19 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Oy Actual Risk Service Ltd
Oy Actual Risk Service Ltd's registered office is Tampere. It is a limited company. The company was established on 1991-12-11. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €807,132 and operating profit was €151,068.
Business ID 0878643-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0878643-1
- Sector
- Activities of insurance agents and brokers
- Municipality
- Tampere
- Company form
- Limited company
- Registration date
- 1991-12-11
- Business ID registration date
- 1992-03-09
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Lapintie 18 B 29, 33100, Tampere
Phone: +358103270760Source observation
Email: [email protected]Source observation
Website: https://www.ars.fiSource observation
People and decision-makers
Furst Marja HelinäToimitusjohtaja
About Oy Actual Risk Service Ltd
Financial position and key figures for the company.
Oy Actual Risk Service Ltd's location municipality is Tampere. It is a limited company. The company was established on 1991-12-11. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €807,132 and operating profit was €151,068. The latest retained financial statement for 2025-12-31 shows revenue of €807,132 and profit for the financial year of €118,478. Based on the latest retained statement, revenue growth was -2.2%, operating margin was +18.7%, and equity ratio was +15.1%.
Auxiliary business names
Public alternate names materialized from source observations.
ARS KiinteistövakuutusmeklariActual Media ServiceKMS-BrokersKMS-Risk Management ConsultingKMS-Risk ServiceKMS-Vakuutusmeklarit
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth-2.2%
Operating margin18.7%
Equity ratio15.1%
Revenue€807,132-€17,799 (-2.2%) vs previous periodPrevious: €824,931
Operating profit (loss)€151,068-€110,125 (-42.2%) vs previous periodPrevious: €261,192
Profit (loss) for the financial year€118,478-€87,511 (-42.5%) vs previous periodPrevious: €205,989
Assets€1,281,097+€26,426 (+2.1%) vs previous periodPrevious: €1,254,671
Balance-sheet contextLatest financial period
Profit before taxes€150,890Previous: €258,990
Employees6Previous: 6
Revenue trend5 periods
€624,635
2021-12-31
€665,997
2022-12-31
€744,678
2023-12-31
€824,931
2024-12-31
€807,132
2025-12-31
Operating profit (loss) trend5 periods
€204,841
2021-12-31
€272,112
2022-12-31
€240,364
2023-12-31
€261,192
2024-12-31
€151,068
2025-12-31
Profit (loss) for the financial year trend5 periods
€161,366
2021-12-31
€214,709
2022-12-31
€189,086
2023-12-31
€205,989
2024-12-31
€118,478
2025-12-31
Assets trend5 periods
€806,664
2021-12-31
€977,516
2022-12-31
€1,080,380
2023-12-31
€1,254,671
2024-12-31
€1,281,097
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioPassable
19/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
97/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 22.0 % | 35.1 % | 43.8 % | 49.7 % | 15.1 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | 31.2 % | 40.9 % | 32.2 % | 31.7 % | 18.7 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0878643-1
VAT IDFI08786431
EU IDFIFPRO.0878643-1
MunicipalityTampere
Current registered entries
1991-12-11Registered in Patent and Registration Office (Trade Register)
1992-03-09Registered in Tax Administration (Tax Administration)
1995-03-01Registered in Tax Administration (Prepayment Register)
2016-06-01Registered in Tax Administration (Employer Register)
2020-02-01VAT-liable for business activity in Tax Administration (VAT Register)
Responsible people
Public role relationships materialized from source observations.
Furst Marja HelinäToimitusjohtajaSources: 5 · Confidence: 78%
Strömmer Ari Erik MikaelPuheenjohtajaSources: 5 · Confidence: 78%
Koivumäki Markku JohannesTilintarkastajaSources: 2 · Confidence: 78%
Peltola KristiinaVarsinainen jäsenSources: 4 · 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
GoodOy Actual Risk Service Ltd
Grade unchangedA3 · new analysis 2026-10-19
73/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsRevenueImproving
SolvencyVolatile
LiquidityNot enough history
Same industry and sizeDescriptive comparison – does not change the model score.
49 peersSolvency12%
Below 88% of peers
Profitability47%
Close to the peer-group midpoint
Revenue growth31%
Below 69% of peers
Supporting factors
- Strong operating profitability
- Active registered status
- Long registry continuity
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA3
2026-10-1973/100 · v0.15
A3 → A3A3
2026-10-1673/100 · v0.14
Oldest retained automatic assessment in this comparisonA3
2026-10-19
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 continuityVakiintunut
90/100
The company has about 34 years of registry continuity.
Registry and status signalsVakaa
80/100
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
16 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Registry timeline
Trade register notifications shown on a timeline.
22 register eventsLatest event: 2025-02-11
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
Oy Actual Risk Service Ltd shows public core facts. A company representative can claim the profile, update public information, and access owner tools.