Business profile

Reijo Tervo Oy

Reijo Tervo Oy's registered office is Luumäki. It is a limited company. The company was established on 1986-11-19. It operates in the industry of fund management activities. In its latest retained statement for 2025-12-31, revenue was €0 and operating profit was -€80,776.

Claim profileContact details
Business ID 0848899-5ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
0848899-5
Sector
Fund management activities
Municipality
Luumäki
Company form
Limited company
Registration date
1986-11-19
Business ID registration date
1991-07-09
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Orkolantie 301, 54530, Luumäki

About Reijo Tervo Oy

Financial position and key figures for the company.

Reijo Tervo Oy's location municipality is Luumäki. It is a limited company. The company was established on 1986-11-19. It operates in the industry of fund management activities. In its latest retained statement for 2025-12-31, revenue was €0 and operating profit was -€80,776. The latest retained financial statement for 2025-12-31 shows revenue of €0 and profit for the financial year of €114,713. Based on the latest retained statement, revenue growth was -100.0%, operating margin was not currently available, and equity ratio was +90.8%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods3
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-100.0%
Equity ratio90.8%
Revenue€0-€2,347 (-100.0%) vs previous periodPrevious: €2,347
Operating profit (loss)-€80,776+€10,802 (+11.8%) vs previous periodPrevious: -€91,578
Profit (loss) for the financial year€114,713+€50,854 (+79.6%) vs previous periodPrevious: €63,860
Assets€2,173,238+€24,841 (+1.2%) vs previous periodPrevious: €2,148,396
Balance-sheet contextLatest financial period
Inventory€909,624Previous: €989,624
Cash and bank€183,736Previous: €77,038
Retained earnings€1,850,183Previous: €1,881,163
Equity€1,973,305Previous: €1,953,432
Liabilities€199,933Previous: €194,964
Current assets€1,093,360Previous: €1,066,663
Revenue trend2 periods
€2,347
2024-12-31
€0
2025-12-31
Operating profit (loss) trend2 periods
-€91,578
2024-12-31
-€80,776
2025-12-31
Profit (loss) for the financial year trend2 periods
€63,860
2024-12-31
€114,713
2025-12-31
Assets trend2 periods
€2,148,396
2024-12-31
€2,173,238
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioGood
100/100 · Declining
90.8 %2024-12-31: 90.9 %
Current ratioNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Operating profit marginNot assessable
0/100 · Trend unavailable
Not available2024-12-31: -3902.7 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio90.9 %90.8 %
Current ratio--
Operating profit margin-3902.7 %-

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID0848899-5
EU IDFIFPRO.0848899-5
MunicipalityLuumäki
Current registered entries
1986-11-19Registered in Patent and Registration Office (Trade Register)
1991-07-09Registered in Tax Administration (Tax Administration)
1995-01-01Registered in Tax Administration (Employer Register)
1995-03-01Registered in Tax Administration (Prepayment 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
A3
GoodReijo Tervo Oy
Grade unchangedA3 · new analysis 2026-10-18
Model score72/100
Assessment confidenceLow
Evidence qualityUsable financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
2 comparable periods
RevenueDeteriorating
ProfitabilityNot enough history
SolvencyStable
LiquidityNot enough history
Peer comparisonSame industry, size and age groupDescriptive comparison – does not change the model score.
61 peers
Solvency72%
Better than 72% of peers
Revenue growth0%
Below 100% of peers
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings
Latest registration lag129 days after period end
Typical registration lag137 days after period end
Annual continuity2 consecutive periods
Supporting factors
  • Strong equity ratio
  • Company context reduces the weight of an isolated financial signal
  • Active registered status
Risk factors to note
  • Sharp year-over-year revenue drop
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
A3
2026-10-1872/100 · v0.15
A3 → A3 · -1 points
A3
2026-09-29 08:0573/100 · v0.14
A3 → A3 · -1 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
  • Assessment confidence: Medium → Low.
  • Evidence quality: Registry and statistical evidence → Usable financial evidence.
A3
2026-09-1574/100 · v0.14
B1 → A3 · +9 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
2026-09-1465/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeA3
Automatic model snapshot2026-10-18
Automatic model versionopen-risk-grade-v0.15
Financial data included

The grade can use open digital financial statement data together with registry signals.

Verify assessment

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
83/100

Industry context is low based on normalized open statistical inputs.

Age and continuityVakiintunut
90/100

The company has about 39 years of registry continuity.

Registry and status signalsVakaa
75/100

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
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.
Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.
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: 2025-05-24

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

Reijo Tervo Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.