Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
Oy Järf Invest Ab
Oy Järf Invest Ab's registered office is Karperö. It is a limited company. The company was established on 1998-07-08. It operates in the industry of specialised retail sale of clothing and accessories. In its latest retained statement for 2025-12-31, revenue was €37,551 and operating profit was -€8,065.
Business ID 1478063-4ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 1478063-4
- Sector
- Specialised retail sale of clothing and accessories
- Municipality
- Karperö
- Company form
- Limited company
- Registration date
- 1998-07-08
- Business ID registration date
- 1998-07-20
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: KLOBBVÄGEN 5, 65630, Karperö
About Oy Järf Invest Ab
Financial position and key figures for the company.
Oy Järf Invest Ab's location municipality is Karperö. It is a limited company. The company was established on 1998-07-08. It operates in the industry of specialised retail sale of clothing and accessories. In its latest retained statement for 2025-12-31, revenue was €37,551 and operating profit was -€8,065. The latest retained financial statement for 2025-12-31 shows revenue of €37,551 and profit for the financial year of -€3,227. Based on the latest retained statement, revenue growth was -21.4%, operating margin was -21.5%, and equity ratio was +37.3%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
4
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-21.4%
Operating margin-21.5%
Equity ratio37.3%
Balance-sheet contextLatest financial period
Other operating income€7,200Previous: €7,200
Cash and bank€42,910Previous: €65,222
Retained earnings€86,733Previous: €84,943
Equity€91,916Previous: €95,143
Liabilities€154,182Previous: €179,377
Current assets€45,465Previous: €66,263
Current liabilities€34,182Previous: €59,377
Revenue trend2 periods
€48,399
2023-12-31
€37,551
2025-12-31
Operating profit (loss) trend2 periods
-€18,546
2023-12-31
-€8,065
2025-12-31
Profit (loss) for the financial year trend2 periods
-€14,850
2023-12-31
-€3,227
2025-12-31
Assets trend2 periods
€272,491
2023-12-31
€246,098
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioSatisfactory
47/100 · Improving
Current ratioSatisfactory
42/100 · Improving
Operating profit marginWeak
5/100 · Improving
Ratio history
| Ratio | 2023-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 34.3 % | 37.4 % |
| Current ratio | 0.87x | 1.26x |
| Operating profit margin | -33.4 % | -18.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID1478063-4
VAT IDFI14780634
EU IDFIFPRO.1478063-4
MunicipalityKarperö
Current registered entries
1998-06-01VAT-liable for business activity in Tax Administration (VAT Register)
1998-07-08Registered in Patent and Registration Office (Trade Register)
1998-07-14Registered in Tax Administration (Prepayment Register)
1998-07-20Registered in Tax Administration (Tax Administration)
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
B2
SatisfactoryOy Järf Invest Ab
Grade unchangedB2 · new analysis 2026-10-17
55/100
High
Strong financial evidenceFinancial data included
Same industry, size and age groupDescriptive comparison – does not change the model score.
106 peersSolvency42%
Below 58% of peers
Profitability37%
Below 63% of peers
Liquidity64%
Better than 64% of peers
Revenue growth32%
Below 68% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings148 days after period end
141 days after period end
1 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 profitability or net result
- Losses in the latest and previous available periods
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB2
2026-10-1755/100 · v0.15
B2 → B2B2
2026-09-20 05:3055/100 · v0.14
B1 → B2 · -10 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.
B1
2026-09-1465/100 · v0.14
B1 → B1B1
2026-09-1465/100 · v0.13
Oldest retained automatic assessment in this comparisonB2
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 riskelevated
46/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 28 years of registry continuity.
Registry and status signalsVakaa
77/100
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
20 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
15 register eventsLatest event: 2026-05-28
Financial statements availability
Available financial statement periods and PRH source filings.
4 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
Oy Järf Invest Ab shows public core facts. A company representative can claim the profile, update public information, and access owner tools.