Risk grade updatedRisk gradeEvidence verified
16 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Business profile
Pen&Pen Oy
Pen&Pen Oy's registered office is Vanda. It is a limited company. The company was established on 1991-07-24. It operates in the industry of other activities of advertising agencies. In its latest retained statement for 2025-09-30, revenue was €39,940 and operating profit was €2,634.
Business ID 0852182-0ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0852182-0
- Sector
- Other activities of advertising agencies
- Municipality
- Vanda
- Company form
- Limited company
- Registration date
- 1991-07-24
- Business ID registration date
- 1991-08-16
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Vihertie 41b, 01620, Vanda
Phone: +358445463260Source observation
Email: [email protected]Source observation
Website: https://www.penpen.fiSource observation
People and decision-makers
Pulkkanen Jorma JuhaniVarsinainen jäsen
Pulkkanen Joonas JalmariVarajäsen
About Pen&Pen Oy
Financial position and key figures for the company.
Pen&Pen Oy's location municipality is Vanda. It is a limited company. The company was established on 1991-07-24. It operates in the industry of other activities of advertising agencies. In its latest retained statement for 2025-09-30, revenue was €39,940 and operating profit was €2,634. The latest retained financial statement for 2025-09-30 shows revenue of €39,940 and profit for the financial year of €2,634. Based on the latest retained statement, revenue growth was -34.2%, operating margin was +6.5%, and equity ratio was -80.3%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-09-30
0
0
Enriched source observation
Derived indicators
Revenue growth-34.2%
Operating margin6.5%
Equity ratio-80.3%
Revenue€39,940-€20,719 (-34.2%) vs previous periodPrevious: €60,659
Operating profit (loss)€2,634-€2,632 (-50.0%) vs previous periodPrevious: €5,266
Profit (loss) for the financial year€2,634-€2,614 (-49.8%) vs previous periodPrevious: €5,248
Assets€1,662-€1,617 (-49.3%) vs previous periodPrevious: €3,279
Balance-sheet contextLatest financial period
Profit before taxes€2,634Previous: €5,248
Employees1Previous: 1
Revenue trend5 periods
€66,445
2021-09-30
€91,628
2022-09-30
€35,745
2023-09-30
€60,659
2024-09-30
€39,940
2025-09-30
Operating profit (loss) trend5 periods
-€4,970
2021-09-30
€14,226
2022-09-30
-€24,638
2023-09-30
€5,266
2024-09-30
€2,634
2025-09-30
Profit (loss) for the financial year trend5 periods
-€4,972
2021-09-30
€14,226
2022-09-30
-€24,841
2023-09-30
€5,248
2024-09-30
€2,634
2025-09-30
Assets trend5 periods
€7,233
2021-09-30
€25,946
2022-09-30
€2,051
2023-09-30
€3,279
2024-09-30
€1,662
2025-09-30
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioWeak
0/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginSatisfactory
66/100 · Declining
Ratio history
| Ratio | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 |
|---|---|---|---|---|---|
| Equity ratio | 19.3 % | 60.2 % | -449.5 % | -121.0 % | -80.3 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | -7.5 % | 15.5 % | -68.5 % | 8.7 % | 6.5 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0852182-0
VAT IDFI08521820
EU IDFIFPRO.0852182-0
MunicipalityVanda
Current registered entries
1991-07-24Registered in Patent and Registration Office (Trade Register)
1991-08-16Registered in Tax Administration (Tax Administration)
2004-05-07VAT-liable for business activity in Tax Administration (VAT Register)
2004-08-31Registered in Tax Administration (Prepayment Register)
2004-09-01Registered in Tax Administration (Employer Register)
Responsible people
Public role relationships materialized from source observations.
Pulkkanen Jorma JuhaniVarsinainen jäsenSources: 5 · Confidence: 78%
Pulkkanen Joonas JalmariVarajäsenSources: 2 · Confidence: 78%
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
MonitorPen&Pen Oy
Grade unchangedB3 · new analysis 2026-10-18
46/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsRevenueVolatile
ProfitabilityImproving
SolvencyImproving · 2 consecutive periods
LiquidityNot enough history
Same size nationallyDescriptive comparison – does not change the model score.
1144 peersSolvency10%
Below 90% of peers
Profitability57%
Better than 57% of peers
Revenue growth24%
Below 76% of peers
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative equity
- Sharp year-over-year revenue drop
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB3
2026-10-1846/100 · v0.15
B3 → B3- Risk factor cleared: High balance-sheet leverage.
B3
2026-09-1646/100 · v0.14
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
60/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 35 years of registry continuity.
Registry and status signalsVakaa
77/100
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.
Registry timeline
Trade register notifications shown on a timeline.
15 register eventsLatest event: 2025-11-05
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
Pen&Pen Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.