Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.Business profile
Reffi Oy
Reffi Oy's registered office is Halikko As. It is a limited company. The company was established on 2017-09-08. It operates in the industry of operating of own or leased dwellings and residential real estate.
Business ID 2845807-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2845807-2
- Sector
- Operating of own or leased dwellings and residential real estate
- Municipality
- Halikko As
- Company form
- Limited company
- Registration date
- 2017-09-08
- Business ID registration date
- 2017-07-20
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Mörlingintie 6, 24910, Halikko As
About Reffi Oy
Financial position and key figures for the company.
Reffi Oy's location municipality is Halikko As. It is a limited company. The company was established on 2017-09-08. It operates in the industry of operating of own or leased dwellings and residential real estate. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +17.2%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
3
3
PRH/XBRL financial statement
Derived indicators
Equity ratio17.2%
Balance-sheet contextLatest financial period
Other operating income€68,823Previous: €63,582
Cash and bank€8,781Previous: €1,204
Retained earnings€79,478Previous: €72,678
Equity€93,531Previous: €81,982
Liabilities€449,200Previous: €386,970
Current assets€8,995Previous: €1,464
Current liabilities€15,850Previous: €11,060
Operating profit (loss) trend3 periods
€18,974
2023-12-31
€22,392
2024-12-31
€25,236
2025-12-31
Profit (loss) for the financial year trend3 periods
€6,105
2023-12-31
€6,800
2024-12-31
€11,549
2025-12-31
Assets trend3 periods
€428,184
2023-12-31
€468,952
2024-12-31
€542,731
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioPassable
22/100 · Declining
Current ratioPassable
18/100 · Improving
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Equity ratio | 17.6 % | 17.5 % | 17.2 % |
| Current ratio | - | 0.11x | 0.55x |
| Operating profit margin | - | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2845807-2
EU IDFIFPRO.2845807-2
MunicipalityHalikko As
Current registered entries
2017-09-08Registered in Patent and Registration Office (Trade Register)
2017-09-11Registered 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
SatisfactoryReffi Oy
Grade downgradedB1 → B2 · new analysis 2026-09-15
57/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
LiquidityImproving
National Tier 1 comparisonDescriptive comparison – does not change the model score.
819 peersSolvency25%
Below 75% of peers
Liquidity98%
Better than 98% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings41 days after period end
110 days after period end
3 consecutive periods
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
- Lower industry distress context
Risk factors to note
- Weak current ratio
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB2
2026-09-15 13:3257/100 · v0.14
B1 → B2 · -9 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1466/100 · v0.14
B1 → B1B1
2026-09-1466/100 · v0.13
B1 → B1 · +5 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
2026-09-1361/100 · v0.12
Oldest retained automatic assessment in this comparisonB2
2026-09-15
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 9 years of registry continuity.
Registry and status signalsSeurattava
69/100
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 B1.Registry timeline
Trade register notifications shown on a timeline.
14 register eventsLatest event: 2026-02-19
Financial statements availability
Available financial statement periods and PRH source filings.
3 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
Reffi Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.