Risk grade updatedRisk gradeEvidence verified
19 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Business profile
OY Ur & Penn Finland AB
It is a limited company. The company was established on 2010-11-22. It operates in the industry of retail sale of watches and jewellery. In its latest retained statement for 2025-04-30, revenue was €3,196,956 and operating profit was -€223,170.
Business ID 2369897-4ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2369897-4
- Sector
- Retail sale of watches and jewellery
- Municipality
- Not currently available
- Company form
- Limited company
- Registration date
- 2010-11-22
- Business ID registration date
- 2010-11-08
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Box 934 19429 Upplands Väsby
Postal address: Keilaniementie 1, 02150, Esbo
Phone: +358207447330Source observation
People and decision-makers
Al-Saffar AyadToimitusjohtaja
About OY Ur & Penn Finland AB
Financial position and key figures for the company.
It is a limited company. The company was established on 2010-11-22. It operates in the industry of retail sale of watches and jewellery. In its latest retained statement for 2025-04-30, revenue was €3,196,956 and operating profit was -€223,170. The latest retained financial statement for 2025-04-30 shows revenue of €3,196,956 and profit for the financial year of -€223,573. Based on the latest retained statement, revenue growth was -0.7%, operating margin was -7.0%, and equity ratio was +4.6%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-04-30
0
0
Enriched source observation
Derived indicators
Revenue growth-0.7%
Operating margin-7.0%
Equity ratio4.6%
Revenue€3,196,956-€23,713 (-0.7%) vs previous periodPrevious: €3,220,669
Operating profit (loss)-€223,170+€209,796 (+48.5%) vs previous periodPrevious: -€432,967
Profit (loss) for the financial year-€223,573+€213,495 (+48.8%) vs previous periodPrevious: -€437,068
Assets€1,338,664-€100,330 (-7.0%) vs previous periodPrevious: €1,438,994
Balance-sheet contextLatest financial period
Employees67Previous: 56
Revenue trend5 periods
€1,858,704
2021-04-30
€2,225,922
2022-04-30
€2,744,197
2023-04-30
€3,220,669
2024-04-30
€3,196,956
2025-04-30
Operating profit (loss) trend5 periods
-€94,522
2021-04-30
-€266,670
2022-04-30
€92,556
2023-04-30
-€432,967
2024-04-30
-€223,170
2025-04-30
Profit (loss) for the financial year trend5 periods
-€95,742
2021-04-30
-€267,446
2022-04-30
€82,411
2023-04-30
-€437,068
2024-04-30
-€223,573
2025-04-30
Assets trend5 periods
€1,067,765
2021-04-30
€1,062,054
2022-04-30
€919,163
2023-04-30
€1,438,994
2024-04-30
€1,338,664
2025-04-30
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioWeak
6/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginWeak
33/100 · Improving
Ratio history
| Ratio | 2021-04-30 | 2022-04-30 | 2023-04-30 | 2024-04-30 | 2025-04-30 |
|---|---|---|---|---|---|
| Equity ratio | 0.6 % | 3.7 % | 13.2 % | 5.9 % | 4.6 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | -3.9 % | -10.6 % | 3.1 % | -13.4 % | -7.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2369897-4
VAT IDFI23698974
EU IDFIFPRO.2369897-4
Current registered entries
2010-11-22Registered in Patent and Registration Office (Trade Register)
2010-11-24Registered in Tax Administration (Tax Administration)
2011-06-01VAT-liable for business activity in Tax Administration (VAT Register)
2011-08-01Registered in Tax Administration (Employer Register)
2011-08-12Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Al-Saffar AyadToimitusjohtajaSources: 3 · Confidence: 78%
Saffar OsamaVarsinainen jäsenSources: 3 · Confidence: 78%
Fredrik VikströmPäävastuullinen tilintarkastajaSources: 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
B3
MonitorOY Ur & Penn Finland AB
Grade unchangedB3 · new analysis 2026-10-19
41/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsRevenueImproving
ProfitabilityVolatile
LiquidityNot enough history
Same industry, size and age groupDescriptive comparison – does not change the model score.
102 peersSolvency9%
Below 91% of peers
Profitability3%
Below 97% of peers
Revenue growth38%
Below 62% of peers
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
- Long registry continuity
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.
2 assessmentsB3
2026-10-1941/100 · v0.15
B3 → B3 · +1 points- Evidence quality: Strong financial evidence → Usable financial evidence.
- Risk factor cleared: High balance-sheet leverage.
B3
2026-10-1340/100 · v0.14
Oldest retained automatic assessment in this comparisonB3
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 riskelevated
46/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 15 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
13 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Registry timeline
Trade register notifications shown on a timeline.
16 register eventsLatest event: 2025-11-05
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-03.
This company profile has not been claimed yet
OY Ur & Penn Finland AB shows public core facts. A company representative can claim the profile, update public information, and access owner tools.