Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
Risto Havia Oy
Risto Havia Oy's registered office is Raahe. It is a limited company. The company was established on 2009-11-03. It operates in the industry of funeral and related activities. In its latest retained statement for 2025-10-31, revenue was €496,119 and operating profit was €219,406.
Business ID 2293660-0ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2293660-0
- Sector
- Funeral and related activities
- Municipality
- Raahe
- Company form
- Limited company
- Registration date
- 2009-11-03
- Business ID registration date
- 2009-10-21
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kirkkokatu 37, 92100, Raahe
Postal address: Susikankaankatu 8, 92140, Pattijoki
Website: https://www.havia.fiSource observation
About Risto Havia Oy
Financial position and key figures for the company.
Risto Havia Oy's location municipality is Raahe. It is a limited company. The company was established on 2009-11-03. It operates in the industry of funeral and related activities. In its latest retained statement for 2025-10-31, revenue was €496,119 and operating profit was €219,406. The latest retained financial statement for 2025-10-31 shows revenue of €496,119 and profit for the financial year of €204,381. Based on the latest retained statement, revenue growth was +1.1%, operating margin was +44.2%, and equity ratio was +72.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-10-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth1.1%
Operating margin44.2%
Equity ratio72.9%
Balance-sheet contextLatest financial period
Other operating income€9,370Previous: €0
Inventory€17,782Previous: €17,169
Cash and bank€87,349Previous: €289,924
Retained earnings€7,891Previous: €525,776
Equity€214,772Previous: €667,408
Liabilities€79,696Previous: €191,778
Current assets€150,503Previous: €346,741
Current liabilities€79,696Previous: €176,612
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
91/100 · Declining
Current ratioSatisfactory
44/100 · Declining
Operating profit marginGood
100/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2293660-0
VAT IDFI22936600
EU IDFIFPRO.2293660-0
MunicipalityRaahe
Current registered entries
2009-11-01Registered in Tax Administration (Employer Register)
2009-11-01VAT-liable for business activity in Tax Administration (VAT Register)
2009-11-01Registered in Tax Administration (Prepayment Register)
2009-11-03Registered in Patent and Registration Office (Trade Register)
2009-11-09Registered 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
A2
Very goodRisto Havia Oy
Grade unchangedA2 · new analysis 2026-10-17
85/100
Medium
Usable financial evidenceFinancial data included
Same industryDescriptive comparison – does not change the model score.
95 peersSolvency78%
Better than 78% of peers
Profitability98%
Better than 98% of peers
Liquidity77%
Better than 77% 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 filings53 days after period end
53 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Active registered status
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA2
2026-10-1785/100 · v0.15
A2 → A2A2
2026-09-18 04:3085/100 · v0.14
A3 → A2 · +13 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-10-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
A3
2026-09-1472/100 · v0.14
A3 → A3A3
2026-09-1472/100 · v0.13
Oldest retained automatic assessment in this comparisonA2
2026-10-17
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 risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 16 years of registry continuity.
Registry and status signalsVakaa
80/100
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 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → A2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Registry timeline
Trade register notifications shown on a timeline.
17 register eventsLatest event: 2026-01-01
Financial statements availability
Available financial statement periods and PRH source filings.
1 financial statement periodsLatest financial period: 2025-10-31
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
Risto Havia Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.