Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Business profile
PAJ Capital Oy
PAJ Capital Oy's registered office is Keuruu. It is a limited company. The company was established on 2021-11-17. It operates in the industry of buying and selling of own real estate. In its latest retained statement for 2026-04-30, revenue was €17,736 and operating profit was -€13,632.
Business ID 3247187-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3247187-8
- Sector
- Buying and selling of own real estate
- Municipality
- Keuruu
- Company form
- Limited company
- Registration date
- 2021-11-17
- Business ID registration date
- 2021-11-09
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Lapinsalmentie 44 A 1, 42700, Keuruu
About PAJ Capital Oy
Financial position and key figures for the company.
PAJ Capital Oy's location municipality is Keuruu. It is a limited company. The company was established on 2021-11-17. It operates in the industry of buying and selling of own real estate. In its latest retained statement for 2026-04-30, revenue was €17,736 and operating profit was -€13,632. The latest retained financial statement for 2026-04-30 shows revenue of €17,736 and profit for the financial year of -€18,108. Based on the latest retained statement, revenue growth was -41.1%, operating margin was -76.9%, and equity ratio was +18.5%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2026-04-30
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-41.1%
Operating margin-76.9%
Equity ratio18.5%
Balance-sheet contextLatest financial period
Other operating income€0Previous: €5,393
Cash and bank€5,548Previous: €2,625
Retained earnings€18,561Previous: €13,701
Equity€14,453Previous: €32,561
Liabilities€63,595Previous: €148,700
Current assets€68,443Previous: €170,056
Current liabilities€2,353Previous: €556
Revenue trend2 periods
€30,114
2025-04-30
€17,736
2026-04-30
Operating profit (loss) trend2 periods
€15,565
2025-04-30
-€13,632
2026-04-30
Profit (loss) for the financial year trend2 periods
€4,860
2025-04-30
-€18,108
2026-04-30
Assets trend2 periods
€181,261
2025-04-30
€78,048
2026-04-30
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioPassable
23/100 · Improving
Current ratioGood
79/100 · Declining
Operating profit marginWeak
0/100 · Declining
Ratio history
| Ratio | 2025-04-30 | 2026-04-30 |
|---|---|---|
| Equity ratio | 18.0 % | 18.5 % |
| Current ratio | 4.72x | 2.36x |
| Operating profit margin | 43.8 % | -76.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3247187-8
VAT IDFI32471878
EU IDFIFPRO.3247187-8
MunicipalityKeuruu
Current registered entries
2021-11-09Registered in Tax Administration (Prepayment Register)
2021-11-17Registered in Tax Administration (Tax Administration)
2021-11-17Registered in Patent and Registration Office (Trade Register)
2023-05-04VAT-liable for business activity in Tax Administration (VAT 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
B3
MonitorPAJ Capital Oy
Grade unchangedB3 · new analysis 2026-10-18
43/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
2 comparable periodsSolvencyStable
Same industry, size and age groupDescriptive comparison – does not change the model score.
134 peersSolvency45%
Below 55% of peers
Profitability5%
Below 95% of peers
Liquidity84%
Better than 84% of peers
Revenue growth20%
Below 80% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings99 days after period end
111 days after period end
2 consecutive periods
Supporting factors
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
- Negative profitability or net result
- Sharp year-over-year revenue drop
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB3
2026-10-1843/100 · v0.15
B3 → B3B3
2026-10-05 03:4443/100 · v0.14
B3 → B3 · -6 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-04-30).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B3
2026-09-1549/100 · v0.14
B2 → B3 · -4 points- 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
2026-09-1453/100 · v0.12
Oldest retained automatic assessment in this comparisonB3
2026-10-18
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 riskmedium
53/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityNuori
35/100
The company has about 4 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
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
5 register eventsLatest event: 2025-08-30
Financial statements availability
Available financial statement periods and PRH source filings.
2 financial statement periodsLatest financial period: 2026-04-30
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
PAJ Capital Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.