Risk grade updatedRisk gradeEvidence verified
30 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B3.Business profile
Pellervo Talot Oy
Pellervo Talot Oy's registered office is Kerimäki. It is a limited company. The company was established on 2003-09-15. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2023-12-31, revenue was €151,749 and operating profit was €12,293.
Business ID 1848046-0ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 1848046-0
- Sector
- Construction of residential and non-residential buildings
- Municipality
- Kerimäki
- Company form
- Limited company
- Registration date
- 2003-09-15
- Business ID registration date
- 2003-08-29
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Hälvänsaarentie 207, 58200, Kerimäki
About Pellervo Talot Oy
Financial position and key figures for the company.
Pellervo Talot Oy's location municipality is Kerimäki. It is a limited company. The company was established on 2003-09-15. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2023-12-31, revenue was €151,749 and operating profit was €12,293. The latest retained financial statement for 2023-12-31 shows revenue of €151,749 and profit for the financial year of €1,845. Based on the latest retained statement, revenue growth was -50.7%, operating margin was +8.1%, and equity ratio was +8.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2023-12-31
3
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-50.7%
Operating margin8.1%
Equity ratio8.9%
Balance-sheet contextLatest financial period
Other operating income€3,637Previous: €2,246
Inventory€40,000Previous: €42,500
Cash and bank€300Previous: €4,101
Retained earnings-€2,085Previous: €803
Equity€7,760Previous: €5,915
Liabilities€79,808Previous: €99,559
Current assets€62,553Previous: €75,185
Current liabilities€26,562Previous: €41,103
Revenue trend2 periods
€308,044
2022-12-31
€151,749
2023-12-31
Operating profit (loss) trend2 periods
€9,666
2022-12-31
€12,293
2023-12-31
Profit (loss) for the financial year trend2 periods
-€2,889
2022-12-31
€1,845
2023-12-31
Assets trend2 periods
€105,474
2022-12-31
€87,568
2023-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
11/100 · Improving
Current ratioSatisfactory
51/100 · Improving
Operating profit marginSatisfactory
70/100 · Improving
Ratio history
| Ratio | 2022-12-31 | 2023-12-31 |
|---|---|---|
| Equity ratio | 5.6 % | 8.9 % |
| Current ratio | 1.13x | 1.52x |
| Operating profit margin | 3.1 % | 7.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID1848046-0
VAT IDFI18480460
EU IDFIFPRO.1848046-0
MunicipalityKerimäki
Current registered entries
2003-09-01VAT-liable for business activity in Tax Administration (VAT Register)
2003-09-01Registered in Tax Administration (Prepayment Register)
2003-09-04Registered in Tax Administration (Tax Administration)
2003-09-15Registered in Patent and Registration Office (Trade Register)
2017-03-01Registered 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
B3
MonitorPellervo Talot Oy
Grade unchangedB3 · new analysis 2026-10-17
44/100
Low
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsProfitabilityImproving
SolvencyStable
LiquidityImproving
Same industry, size and age groupDescriptive comparison – does not change the model score.
143 peersSolvency22%
Below 78% of peers
Profitability70%
Better than 70% of peers
Liquidity78%
Better than 78% of peers
Revenue growth7%
Below 93% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings282 days after period end
282 days after period end
3 consecutive periods
Supporting factors
- Healthy short-term liquidity
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Parsed financial metrics are older than the newest reported filing
- Sharp year-over-year revenue drop
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB3
2026-10-1744/100 · v0.15
B3 → B3 · -1 pointsB3
2026-09-30 23:2145/100 · v0.14
B1 → B3 · -15 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
2026-09-1560/100 · v0.14
B2 → B1 · +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
2026-09-1456/100 · v0.12
Oldest retained automatic assessment in this comparisonB3
2026-10-17
open-risk-grade-v0.15
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
25/100
Industry context is high based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 23 years of registry continuity.
Registry and status signalsVakaa
88/100
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 B1.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
21 register eventsLatest event: 2026-05-20
Financial statements availability
Available financial statement periods and PRH source filings.
3 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
Pellervo Talot Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.