Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade D.Business profile
Refinance Ab Oy
Refinance Ab Oy was declared bankrupt 2026-04-17. In its latest retained statement for 2024-12-31, revenue was €30,183 and operating profit was €1,453.
Business ID 3280767-7BANKRUPTCYUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3280767-7
- Sector
- Other credit granting
- Municipality
- Vaasa
- Company form
- Limited company
- Registration date
- 2022-04-26
- Business ID registration date
- 2022-04-13
- Business status
- BANKRUPTCY
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Handelsesplanaden 16 A 42 a, 65100, Vaasa
About Refinance Ab Oy
Financial position and key figures for the company.
Refinance Ab Oy was declared bankrupt 2026-04-17. In its latest retained statement for 2024-12-31, revenue was €30,183 and operating profit was €1,453. The latest retained financial statement for 2024-12-31 shows revenue of €30,183 and profit for the financial year of €47. Based on the latest retained statement, revenue growth was not currently available, operating margin was +4.8%, and equity ratio was +61.3%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2024-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Operating margin4.8%
Equity ratio61.3%
Balance-sheet contextLatest financial period
Cash and bank€27,718Previous: €507
Retained earnings-€5,114Previous: -€1,846
Equity€70,232Previous: €2,886
Liabilities€44,426Previous: €14,766
Current assets€27,718Previous: €507
Current liabilities€44,426Previous: €14,766
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
77/100 · Improving
Current ratioPassable
21/100 · Improving
Operating profit marginSatisfactory
62/100 · Trend unavailable
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusBANKRUPTCY
Trade RegisterRegistered
Business ID3280767-7
VAT IDFI32807677
EU IDFIFPRO.3280767-7
MunicipalityVaasa
Current registered entries
2022-04-26Registered in Tax Administration (Tax Administration)
2022-04-26Registered in Patent and Registration Office (Trade Register)
2022-07-06Registered in Tax Administration (Prepayment Register)
2022-07-07VAT liable as a buyer or on self-supply in Tax Administration (VAT Register)
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
D
High riskRefinance Ab Oy
Grade unchangedD · new analysis 2026-10-05
29/100
Medium
Usable financial evidenceFinancial data included
Same size nationallyDescriptive comparison – does not change the model score.
299 peersSolvency55%
Better than 55% of peers
Profitability60%
Better than 60% of peers
Liquidity59%
Better than 59% of peers
Limited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings120 days after period end
120 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- A newer financial statement filing has been reported
- Lower industry distress context
Risk factors to note
- Weak current ratio
- Severe registry event in the last 6 months
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsD
2026-10-05 17:5529/100 · v0.14
D → D- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2024-12-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
D
2026-09-1529/100 · v0.14
D → D- Assessment confidence: Low → Medium.
- Evidence quality: Registry and statistical evidence → Registry and statistical evidence.
- New risk factor: Sufficient structured financial metrics are not available.
D
2026-09-1429/100 · v0.12
Oldest retained automatic assessment in this comparisonD
2026-10-05
open-risk-grade-v0.14
The grade is reduced because of a critical legal status such as bankruptcy or liquidation.
A serious registry signal affects this grade. Review the profile registry and notification details as well.
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 continuityNuori
35/100
The company has about 4 years of registry continuity.
Registry and status signalsHälyttävä
0/100
Bankruptcy or liquidation status is treated as a critical legal distress signal.
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 D.Registry timeline
Trade register notifications shown on a timeline.
8 register eventsLatest event: 2026-04-17
Financial statements availability
Available financial statement periods and PRH source filings.
1 financial statement periodsLatest financial period: 2024-12-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-02-02.
This company profile has not been claimed yet
Refinance Ab Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.