Business profile

Pajami Oy

Pajami Oy's registered office is Lohja. It is a limited company. The company was established on 2009-08-13. It operates in the industry of retail sale of clothing without specialisation on any specific product group. In its latest retained statement for 2023-12-31, revenue was €844,354 and operating profit was €8,192.

Business ID 2280027-9ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
2280027-9
Sector
Retail sale of clothing without specialisation on any specific product group
Municipality
Lohja
Company form
Limited company
Registration date
2009-08-13
Business ID registration date
2009-08-06
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Eroportintie 14, 08350, Lohja

About Pajami Oy

Financial position and key figures for the company.

Pajami Oy's location municipality is Lohja. It is a limited company. The company was established on 2009-08-13. It operates in the industry of retail sale of clothing without specialisation on any specific product group. In its latest retained statement for 2023-12-31, revenue was €844,354 and operating profit was €8,192. The latest retained financial statement for 2023-12-31 shows revenue of €844,354 and profit for the financial year of €5,008. Based on the latest retained statement, revenue growth was -6.3%, operating margin was +1.0%, and equity ratio was +57.0%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2023-12-31

Imported periods4
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-6.3%
Operating margin1.0%
Equity ratio57.0%
Revenue€844,354-€56,784 (-6.3%) vs previous periodPrevious: €901,139
Operating profit (loss)€8,192-€64,946 (-88.8%) vs previous periodPrevious: €73,138
Profit (loss) for the financial year€5,008-€52,031 (-91.2%) vs previous periodPrevious: €57,040
Assets€271,769-€26,593 (-8.9%) vs previous periodPrevious: €298,362
Balance-sheet contextLatest financial period
Other operating income€8,355Previous: €7,043
Inventory€161,700Previous: €165,520
Cash and bank€13,538Previous: €44,746
Retained earnings€147,329Previous: €110,289
Equity€154,837Previous: €169,829
Liabilities€116,932Previous: €128,533
Current assets€246,089Previous: €264,122
Current liabilities€82,219Previous: €92,385
Revenue trend2 periods
€901,139
2022-12-31
€844,354
2023-12-31
Operating profit (loss) trend2 periods
€73,138
2022-12-31
€8,192
2023-12-31
Profit (loss) for the financial year trend2 periods
€57,040
2022-12-31
€5,008
2023-12-31
Assets trend2 periods
€298,362
2022-12-31
€271,769
2023-12-31

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioGood
71/100 · Improving
57.0 %2022-12-31: 56.9 %
Current ratioGood
71/100 · Declining
2.13x2022-12-31: 2.28x
Operating profit marginPassable
52/100 · Declining
1.0 %2022-12-31: 8.1 %
Ratio history
Ratio2022-12-312023-12-31
Equity ratio56.9 %57.0 %
Current ratio2.28x2.13x
Operating profit margin8.1 %1.0 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID2280027-9
VAT IDFI22800279
EU IDFIFPRO.2280027-9
MunicipalityLohja
Current registered entries
2009-08-05Registered in Tax Administration (Employer Register)
2009-08-05VAT-liable for business activity in Tax Administration (VAT Register)
2009-08-06Registered in Tax Administration (Prepayment Register)
2009-08-11Registered in Tax Administration (Tax Administration)
2009-08-13Registered in Patent and Registration Office (Trade 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
A3
GoodPajami Oy
Grade upgradedB1 → A3 · new analysis 2026-09-17
Model score72/100
Assessment confidenceLow
Evidence qualityUsable financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
3 comparable periods
RevenueStable
ProfitabilityDeteriorating
SolvencyStable
LiquidityStable
Peer comparisonNational Tier 1 comparisonDescriptive comparison – does not change the model score.
120 peers
Solvency59%
Better than 59% of peers
Profitability51%
Close to the peer-group midpoint
Liquidity91%
Better than 91% of peers
Revenue growth26%
Below 74% of peers
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings
Latest registration lag156 days after period end
Typical registration lag164 days after period end
Annual continuity4 consecutive periods
Supporting factors
  • Strong equity ratio
  • Healthy short-term liquidity
  • Active registered status
Risk factors to note
  • Parsed financial metrics are older than the newest reported filing
  • Elevated industry distress context
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
A3
2026-09-17 03:5072/100 · v0.14
B1 → A3 · +7 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2023-12-31).
  • Assessment confidence: Medium → Low.
  • Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1465/100 · v0.14
B1 → B1
B1
2026-09-1465/100 · v0.13
B2 → B1 · +6 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
2026-09-1359/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeA3
Automatic model snapshot2026-09-17
Automatic model versionopen-risk-grade-v0.14
Financial data included

The grade can use open digital financial statement data together with registry signals.

Verify assessment

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 17 years of registry continuity.

Registry and status signalsVakaa
86/100

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
17 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.

Registry timeline

Trade register notifications shown on a timeline.

20 register eventsLatest event: 2026-08-06

Financial statements availability

Available financial statement periods and PRH source filings.

4 financial statement periodsLatest financial period: 2023-12-31

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

Pajami Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.