Business profile

S&Ma Oy

S&Ma Oy's registered office is Kerava. It is a limited company. The company was established on 2022-09-23. It operates in the industry of construction of other civil engineering projects n.e.c.. In its latest retained statement for 2025-12-31, revenue was €131,790 and operating profit was €17,839.

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Business ID 3313837-2ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3313837-2
Sector
Construction of other civil engineering projects n.e.c.
Municipality
Kerava
Company form
Limited company
Registration date
2022-09-23
Business ID registration date
2022-09-22
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Asemantie 1 as. 2, 04200, Kerava

Phone: +358407749333Source observation

Email: [email protected]Source observation

People and decision-makers

Mahov SvenToimitusjohtaja
Heiskanen Jaana MaritaToimitusjohtajan sijainen

About S&Ma Oy

Financial position and key figures for the company.

S&Ma Oy's location municipality is Kerava. It is a limited company. The company was established on 2022-09-23. It operates in the industry of construction of other civil engineering projects n.e.c.. In its latest retained statement for 2025-12-31, revenue was €131,790 and operating profit was €17,839. The latest retained financial statement for 2025-12-31 shows revenue of €131,790 and profit for the financial year of €13,842. Based on the latest retained statement, revenue growth was +23.7%, operating margin was +13.5%, and equity ratio was +3.5%.

Extended business activity

A longer directory- or registry-backed activity description that complements the short registry industry label.

Maa-ja vesirakennus. Yhtiö voi tehdä myös osakekauppaa. Yhtiö voi harjoittaa myös vuokra toimintaa. Yhtiö voi tarjota myös kuljettaja palveluita. Yhtiö voi tarjota myös betoni työ ratkaisuja. Yhtiö voi tehdä myös kaikkia muita laillisia liiketoimintoja.

Financial highlights

Key figures from the latest financial period.

Latest financial period

2025-12-31

Imported periods0
PRH parsed0
Profile sourceEnriched source observation
Derived indicators
Revenue growth23.7%
Operating margin13.5%
Equity ratio3.5%
Revenue€131,790+€25,256 (+23.7%) vs previous periodPrevious: €106,534
Operating profit (loss)€17,839+€34,113 (+209.6%) vs previous periodPrevious: -€16,273
Profit (loss) for the financial year€13,842+€33,375 (+170.9%) vs previous periodPrevious: -€19,533
Assets€62,388+€23,217 (+59.3%) vs previous periodPrevious: €39,172
Balance-sheet contextLatest financial period
Profit before taxes€13,842Previous: -€19,533
Employees2Previous: 1
Revenue trend3 periods
€122,002
2023-12-31
€106,534
2024-12-31
€131,790
2025-12-31
Operating profit (loss) trend3 periods
€886
2023-12-31
-€16,273
2024-12-31
€17,839
2025-12-31
Profit (loss) for the financial year trend3 periods
-€512
2023-12-31
-€19,533
2024-12-31
€13,842
2025-12-31
Assets trend3 periods
€19,048
2023-12-31
€39,172
2024-12-31
€62,388
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.

Equity ratioWeak
4/100 · Improving
3.5 %2024-12-31: -51.2 %
Current ratioNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Operating profit marginGood
84/100 · Improving
13.5 %2024-12-31: -15.3 %
Ratio history
Ratio2023-12-312024-12-312025-12-31
Equity ratio-2.7 %-51.2 %3.5 %
Current ratio---
Operating profit margin0.7 %-15.3 %13.5 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3313837-2
VAT IDFI33138372
EU IDFIFPRO.3313837-2
MunicipalityKerava
Current registered entries
2022-09-22VAT-liable for business activity in Tax Administration (VAT Register)
2022-09-22Registered in Tax Administration (Prepayment Register)
2022-09-23Registered in Tax Administration (Tax Administration)
2022-09-23Registered in Patent and Registration Office (Trade Register)

Responsible people

Public role relationships materialized from source observations.

Heiskanen Jaana MaritaToimitusjohtajan sijainenSources: 3 · Confidence: 78%
Mahov SvenToimitusjohtajaSources: 6 · Confidence: 78%
Mahov SvenVarsinainen jäsenSources: 3 · Confidence: 78%

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
B3
MonitorS&Ma Oy
Model score48/100
Assessment confidenceMedium
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development has been volatile across multiple domains.
3 comparable periods
RevenueVolatile
ProfitabilityVolatile
SolvencyVolatile
LiquidityNot enough history
Peer comparisonSame size nationallyDescriptive comparison – does not change the model score.
147 peers
Solvency14%
Below 86% of peers
Profitability76%
Better than 76% of peers
Revenue growth86%
Better than 86% of peers
Supporting factors
  • Strong operating profitability
  • Active registered status
  • A newer financial statement filing has been reported
Risk factors to note
  • High balance-sheet leverage
  • Material volatility across multiple financial domains
  • Elevated industry distress context
Automatic model gradeB3
Automatic model snapshot2026-09-30
Automatic model versionopen-risk-grade-v0.14
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 riskhigh
23/100

Industry context is high based on normalized open statistical inputs.

Age and continuityNuori
35/100

The company has about 4 years of registry continuity.

Registry and status signalsRajallinen
47/100

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
30 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.

Registry timeline

Trade register notifications shown on a timeline.

5 register eventsLatest event: 2026-04-30

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

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