Risk grade updatedRisk gradeEvidence verified
28 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3 → D.Business profile
Pat & Mat Oy
Pat & Mat Oy's registered office is Kotka. It is a limited company. The company was established on 2021-02-16. It operates in the industry of fast food restaurants and kiosks. In its latest retained statement for 2025-12-31, revenue was €114,006 and operating profit was -€15,276.
Business ID 3190724-6ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3190724-6
- Sector
- Fast food restaurants and kiosks
- Municipality
- Kotka
- Company form
- Limited company
- Registration date
- 2021-02-16
- Business ID registration date
- 2021-02-13
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Laajakoskentie 78, 48720, Kotka
About Pat & Mat Oy
Financial position and key figures for the company.
Pat & Mat Oy's location municipality is Kotka. It is a limited company. The company was established on 2021-02-16. It operates in the industry of fast food restaurants and kiosks. In its latest retained statement for 2025-12-31, revenue was €114,006 and operating profit was -€15,276. The latest retained financial statement for 2025-12-31 shows revenue of €114,006 and profit for the financial year of -€20,519. Based on the latest retained statement, revenue growth was -13.8%, operating margin was -13.4%, and equity ratio was -48.8%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
4
1
PRH/XBRL financial statement
Derived indicators
Revenue growth-13.8%
Operating margin-13.4%
Equity ratio-48.8%
Balance-sheet contextLatest financial period
Cash and bank€2,796Previous: €24,179
Advances received€396Previous: €665
Retained earnings-€13,977Previous: €9,201
Equity-€34,496Previous: -€13,977
Liabilities€105,250Previous: €94,758
Current assets€5,382Previous: €29,186
Current liabilities€43,157Previous: €38,595
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
0/100 · Declining
Current ratioWeak
2/100 · Declining
Operating profit marginWeak
16/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3190724-6
VAT IDFI31907246
EU IDFIFPRO.3190724-6
MunicipalityKotka
Current registered entries
2021-02-13VAT-liable for business activity in Tax Administration (VAT Register)
2021-02-16Registered in Tax Administration (Tax Administration)
2021-02-16Registered in Patent and Registration Office (Trade Register)
2021-03-26Registered in Tax Administration (Prepayment Register)
2022-04-08Registered in Tax Administration (Employer 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
D
High riskPat & Mat Oy
Grade downgradedB3 → D · new analysis 2026-09-28
16/100
Medium
Usable financial evidenceFinancial data included
Same size nationallyDescriptive comparison – does not change the model score.
220 peersSolvency7%
Below 93% of peers
Profitability9%
Below 91% of peers
Liquidity31%
Below 69% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings240 days after period end
79 days after period end
4 consecutive periods
Supporting factors
- Active registered status
Risk factors to note
- Negative equity
- Weak current ratio
- Negative profitability or net result
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsD
2026-09-28 12:1816/100 · v0.14
B3 → D · -27 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B3
2026-09-1543/100 · v0.14
B2 → B3 · -7 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
2026-09-1450/100 · v0.12
Oldest retained automatic assessment in this comparisonD
2026-09-28
open-risk-grade-v0.14
The grade can use open digital financial statement data together with registry signals.
A serious financial risk signal affects this grade. Review the profile financial indicators as well.
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 riskhigh
14/100
Industry context is high based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 5 years of registry continuity.
Registry and status signalsRajallinen
53/100
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
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
8 register eventsLatest event: 2025-02-25
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
Pat & Mat Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.