Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Pelti-Seppälä Oy
Pelti-Seppälä Oy's registered office is Heinola. It is a limited company. The company was established on 1987-04-22. It operates in the industry of installation of insulation. In its latest retained statement for 2025-12-31, revenue was €305,761 and operating profit was €48,543.
Business ID 0649206-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0649206-9
- Sector
- Installation of insulation
- Municipality
- Heinola
- Company form
- Limited company
- Registration date
- 1987-04-22
- Business ID registration date
- 1987-03-09
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Vanerinkatu 4, 18100, Heinola
Phone: +358400495026Source observation
Email: [email protected]Source observation
Website: https://pelti-seppala-oy.rakentajalle.fiSource observation
People and decision-makers
Seppälä Juha Anssi PetteriVarsinainen jäsen
Harjula Anne-Mari KatariinaTilintarkastaja
Seppälä Minna AnneliProkuristi
About Pelti-Seppälä Oy
Financial position and key figures for the company.
Pelti-Seppälä Oy's location municipality is Heinola. It is a limited company. The company was established on 1987-04-22. It operates in the industry of installation of insulation. In its latest retained statement for 2025-12-31, revenue was €305,761 and operating profit was €48,543. The latest retained financial statement for 2025-12-31 shows revenue of €305,761 and profit for the financial year of €41,619. Based on the latest retained statement, revenue growth was -13.0%, operating margin was +15.9%, and equity ratio was +90.1%.
Auxiliary business names
Public alternate names materialized from source observations.
PS-agilityesteet
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
5
2
Combined source
Derived indicators
Revenue growth-13.0%
Operating margin15.9%
Equity ratio90.1%
Balance-sheet contextLatest financial period
Other operating income€22,177Previous: €26,324
Inventory€23,996Previous: €20,151
Cash and bank€101,298Previous: €114,876
Retained earnings€370,050Previous: €349,224
Equity€420,079Previous: €413,384
Liabilities€46,327Previous: €55,030
Current assets€272,670Previous: €246,654
Current liabilities€46,327Previous: €55,030
Revenue trend5 periods
€516,234
2021-12-31
€532,982
2022-12-31
€489,427
2023-12-31
€351,556
2024-12-31
€305,761
2025-12-31
Operating profit (loss) trend3 periods
€89,613
2023-12-31
€67,542
2024-12-31
€48,543
2025-12-31
Profit (loss) for the financial year trend5 periods
€38,902
2021-12-31
€63,693
2022-12-31
€73,662
2023-12-31
€55,750
2024-12-31
€41,619
2025-12-31
Assets trend5 periods
€423,339
2021-12-31
€446,460
2022-12-31
€559,247
2023-12-31
€468,414
2024-12-31
€466,405
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioGood
100/100 · Improving
Current ratioGood
90/100 · Improving
Operating profit marginGood
87/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 72.5 % | 77.2 % | 69.8 % | 88.3 % | 90.1 % |
| Current ratio | - | - | - | 2.45x | 2.70x |
| Operating profit margin | - | - | 16.9 % | 17.9 % | 14.8 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0649206-9
VAT IDFI06492069
EU IDFIFPRO.0649206-9
MunicipalityHeinola
Current registered entries
1987-03-09Registered in Tax Administration (Tax Administration)
1987-04-22Registered in Patent and Registration Office (Trade Register)
1987-09-01Registered in Tax Administration (Employer Register)
1994-06-01VAT-liable for business activity in Tax Administration (VAT Register)
1995-03-01Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Seppälä Juha Anssi PetteriVarsinainen jäsenSources: 4 · Confidence: 78%
Harjula Anne-Mari KatariinaTilintarkastajaSources: 2 · Confidence: 78%
Seppälä Minna AnneliProkuristiSources: 1 · Confidence: 78%
Minna SeppäläHallitus: varajäsenSources: 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
A3
GoodPelti-Seppälä Oy
Grade unchangedA3 · new analysis 2026-10-18
77/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
4 comparable periodsSolvencyImproving
LiquidityImproving
Same industry, size and age groupDescriptive comparison – does not change the model score.
173 peersSolvency90%
Better than 90% of peers
Profitability80%
Better than 80% of peers
Liquidity83%
Better than 83% of peers
Revenue growth29%
Below 71% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings139 days after period end
142 days after period end
4 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Healthy short-term liquidity
Risk factors to note
- Coordinated deterioration across 2 financial domains
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1877/100 · v0.15
A3 → A3A3
2026-10-16 02:2877/100 · v0.14
A3 → A3 · +1 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Assessment confidence: Medium → High.
- Evidence quality: Usable financial evidence → Strong financial evidence.
A3
2026-09-1576/100 · v0.14
A3 → A3- Evidence quality: Registry and statistical evidence → Usable financial evidence.
A3
2026-09-1476/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
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 riskelevated
38/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 39 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
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Registry timeline
Trade register notifications shown on a timeline.
20 register eventsLatest event: 2026-05-19
Financial statements availability
Available financial statement periods and PRH source filings.
5 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
Pelti-Seppälä Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.