Risk grade updatedRisk gradeEvidence verified
16 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
REF Kiinteistöt Oy
REF Kiinteistöt Oy's registered office is Seinäjoki. It is a limited company. The company was established on 2020-01-08. It operates in the industry of rental and operating of own or leased non-residential real estate. In its latest retained statement for 2025-02-28, revenue was €90,595 and operating profit was €43,761.
Business ID 3106536-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3106536-8
- Sector
- Rental and operating of own or leased non-residential real estate
- Municipality
- Seinäjoki
- Company form
- Limited company
- Registration date
- 2020-01-08
- Business ID registration date
- 2019-12-19
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: PL 199, 60101, Seinäjoki
Postal address: P.O. Box 199, 60101, Seinäjoki
People and decision-makers
Laukkanen Mika JuhaniVarsinainen jäsen
Antti PunkariHallitus: varajäsen
About REF Kiinteistöt Oy
Financial position and key figures for the company.
REF Kiinteistöt Oy's location municipality is Seinäjoki. It is a limited company. The company was established on 2020-01-08. It operates in the industry of rental and operating of own or leased non-residential real estate. In its latest retained statement for 2025-02-28, revenue was €90,595 and operating profit was €43,761. The latest retained financial statement for 2025-02-28 shows revenue of €90,595 and profit for the financial year of €30,605. Based on the latest retained statement, revenue growth was +112.8%, operating margin was +48.3%, and equity ratio was +17.8%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-02-28
0
0
Enriched source observation
Derived indicators
Revenue growth112.8%
Operating margin48.3%
Equity ratio17.8%
Revenue€90,595+€48,015 (+112.8%) vs previous periodPrevious: €42,580
Operating profit (loss)€43,761+€26,673 (+156.1%) vs previous periodPrevious: €17,087
Profit (loss) for the financial year€30,605+€17,822 (+139.4%) vs previous periodPrevious: €12,783
Assets€281,945+€13,239 (+4.9%) vs previous periodPrevious: €268,706
Balance-sheet contextLatest financial period
Profit before taxes€30,605Previous: €12,783
Employees0Previous: No comparison value
Revenue trend4 periods
€17,940
2021-02-28
€34,655
2022-02-28
€42,580
2023-02-28
€90,595
2025-02-28
Operating profit (loss) trend4 periods
€3,728
2021-02-28
-€4,358
2022-02-28
€17,087
2023-02-28
€43,761
2025-02-28
Profit (loss) for the financial year trend4 periods
€457
2021-02-28
-€7,921
2022-02-28
€12,783
2023-02-28
€30,605
2025-02-28
Assets trend4 periods
€207,141
2021-02-28
€267,482
2022-02-28
€268,706
2023-02-28
€281,945
2025-02-28
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioPassable
22/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2021-02-28 | 2022-02-28 | 2023-02-28 | 2025-02-28 |
|---|---|---|---|---|
| Equity ratio | 0.2 % | -2.8 % | 2.0 % | 17.8 % |
| Current ratio | - | - | - | - |
| Operating profit margin | 20.8 % | -12.6 % | 40.1 % | 48.3 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3106536-8
EU IDFIFPRO.3106536-8
MunicipalitySeinäjoki
Current registered entries
2019-12-19Registered in Tax Administration (Prepayment Register)
2020-01-08Registered in Patent and Registration Office (Trade Register)
2020-01-10Registered in Tax Administration (Tax Administration)
Responsible people
Public role relationships materialized from source observations.
Laukkanen Mika JuhaniVarsinainen jäsenSources: 4 · Confidence: 78%
Antti PunkariHallitus: 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
GoodREF Kiinteistöt Oy
70/100
Medium
Strong financial evidenceFinancial data included
Same industry and sizeDescriptive comparison – does not change the model score.
69 peersSolvency26%
Below 74% of peers
Profitability78%
Better than 78% of peers
Revenue growth99%
Better than 99% of peers
Supporting factors
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
- High balance-sheet leverage
A3
2026-09-16
open-risk-grade-v0.14
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 risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 6 years of registry continuity.
Registry and status signalsRajallinen
51/100
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.
7 register eventsLatest event: 2025-12-25
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-05.
This company profile has not been claimed yet
REF Kiinteistöt Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.