Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
Pivotal Point Investment Oy
Pivotal Point Investment Oy's registered office is Helsingfors. It is a limited company. The company was established on 2019-06-07. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-09-30, revenue was €4,340,952 and operating profit was -€2,967.
Business ID 3003497-3ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3003497-3
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Helsingfors
- Company form
- Limited company
- Registration date
- 2019-06-07
- Business ID registration date
- 2019-05-29
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kousatie 10, 00430, Helsingfors
About Pivotal Point Investment Oy
Financial position and key figures for the company.
Pivotal Point Investment Oy's location municipality is Helsingfors. It is a limited company. The company was established on 2019-06-07. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-09-30, revenue was €4,340,952 and operating profit was -€2,967. The latest retained financial statement for 2025-09-30 shows revenue of €4,340,952 and profit for the financial year of €21,169. Based on the latest retained statement, revenue growth was +200.0%, operating margin was -0.1%, and equity ratio was +6.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-09-30
5
2
PRH/XBRL financial statement
Derived indicators
Revenue growth200.0%
Operating margin-0.1%
Equity ratio6.0%
Balance-sheet contextLatest financial period
Inventory€77,747Previous: €60,817
Cash and bank€95,063Previous: €154,372
Retained earnings-€16,291Previous: -€19,906
Equity€57,379Previous: €36,209
Liabilities€896,452Previous: €960,015
Current assets€173,094Previous: €215,488
Current liabilities€2,202Previous: €64,745
Revenue trend2 periods
€1,446,869
2024-09-30
€4,340,952
2025-09-30
Operating profit (loss) trend2 periods
-€8,875
2024-09-30
-€2,967
2025-09-30
Profit (loss) for the financial year trend2 periods
€3,615
2024-09-30
€21,169
2025-09-30
Assets trend2 periods
€996,225
2024-09-30
€953,831
2025-09-30
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
8/100 · Improving
Current ratioGood
100/100 · Improving
Operating profit marginWeak
50/100 · Improving
Ratio history
| Ratio | 2024-09-30 | 2025-09-30 |
|---|---|---|
| Equity ratio | 3.6 % | 6.0 % |
| Current ratio | 3.32x | 78.48x |
| Operating profit margin | -0.6 % | -0.1 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3003497-3
EU IDFIFPRO.3003497-3
MunicipalityHelsingfors
Current registered entries
2019-06-07Registered in Patent and Registration Office (Trade Register)
2019-06-10Registered in Tax Administration (Tax Administration)
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
B2
SatisfactoryPivotal Point Investment Oy
Grade unchangedB2 · new analysis 2026-10-18
57/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueImproving
ProfitabilityStable
SolvencyStable
LiquidityImproving
Same industryDescriptive comparison – does not change the model score.
608 peersSolvency15%
Below 85% of peers
Profitability17%
Below 83% of peers
Liquidity88%
Better than 88% of peers
Revenue growth93%
Better than 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 filings37 days after period end
82 days after period end
3 consecutive periods
Supporting factors
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
- Negative profitability or net result
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB2
2026-10-1857/100 · v0.15
B2 → B2B2
2026-10-01 02:3557/100 · v0.14
B1 → B2 · -12 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-09-30).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1569/100 · v0.14
B1 → B1 · +8 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.
B1
2026-09-1461/100 · v0.12
Oldest retained automatic assessment in this comparisonB2
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 riskvery low
89/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 7 years of registry continuity.
Registry and status signalsRajallinen
50/100
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
1 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.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 B1.Registry timeline
Trade register notifications shown on a timeline.
9 register eventsLatest event: 2025-11-06
Financial statements availability
Available financial statement periods and PRH source filings.
5 financial statement periodsLatest financial period: 2025-09-30
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
Pivotal Point Investment Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.