Risk grade updatedRisk gradeEvidence verified
30 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade D.Business profile
SA LIFE OY
SA LIFE OY's registered office is Helsingfors. It is a limited company. The company was established on 2020-12-09. It operates in the industry of all other miscellaneous professional, scientific and technical activities n.e.c.. In its latest retained statement for 2025-12-31, revenue was €107,011 and operating profit was -€38,644.
Business ID 3172029-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3172029-7
- Sector
- All other miscellaneous professional, scientific and technical activities n.e.c.
- Municipality
- Helsingfors
- Company form
- Limited company
- Registration date
- 2020-12-09
- Business ID registration date
- 2020-11-19
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Pohjoisranta 4 lt. 97, 00170, Helsingfors
Phone: +358400480447Source observation
Email: [email protected]Source observation
Website: https://sonjaaiello.fiSource observation
People and decision-makers
Aiello Sonja Minja AncelaToimitusjohtaja
About SA LIFE OY
Financial position and key figures for the company.
SA LIFE OY's location municipality is Helsingfors. It is a limited company. The company was established on 2020-12-09. It operates in the industry of all other miscellaneous professional, scientific and technical activities n.e.c.. In its latest retained statement for 2025-12-31, revenue was €107,011 and operating profit was -€38,644. The latest retained financial statement for 2025-12-31 shows revenue of €107,011 and profit for the financial year of -€43,023. Based on the latest retained statement, revenue growth was -28.1%, operating margin was -36.1%, and equity ratio was -71.5%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth-28.1%
Operating margin-36.1%
Equity ratio-71.5%
Revenue€107,011-€41,769 (-28.1%) vs previous periodPrevious: €148,780
Operating profit (loss)-€38,644-€30,949 (-402.2%) vs previous periodPrevious: -€7,695
Profit (loss) for the financial year-€43,023-€31,042 (-259.1%) vs previous periodPrevious: -€11,981
Assets€100,380-€28,699 (-22.2%) vs previous periodPrevious: €129,079
Balance-sheet contextLatest financial period
Profit before taxes-€43,023Previous: -€11,981
Employees1Previous: 1
Revenue trend5 periods
€155,777
2021-12-31
€175,479
2022-12-31
€134,674
2023-12-31
€148,780
2024-12-31
€107,011
2025-12-31
Operating profit (loss) trend5 periods
€79,624
2021-12-31
€16,322
2022-12-31
-€2,500
2023-12-31
-€7,695
2024-12-31
-€38,644
2025-12-31
Profit (loss) for the financial year trend5 periods
€63,245
2021-12-31
€11,147
2022-12-31
-€4,056
2023-12-31
-€11,981
2024-12-31
-€43,023
2025-12-31
Assets trend5 periods
€112,068
2021-12-31
€112,625
2022-12-31
€153,064
2023-12-31
€129,079
2024-12-31
€100,380
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioWeak
0/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginWeak
0/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 56.4 % | 61.6 % | 39.0 % | - | -71.5 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | 51.1 % | 9.3 % | -1.8 % | -5.2 % | -36.1 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3172029-7
VAT IDFI31720297
EU IDFIFPRO.3172029-7
MunicipalityHelsingfors
Current registered entries
2020-11-19VAT-liable for business activity in Tax Administration (VAT Register)
2020-11-19Registered in Tax Administration (Prepayment Register)
2020-12-09Registered in Tax Administration (Tax Administration)
2020-12-09Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Aiello Sonja Minja AncelaToimitusjohtajaSources: 4 · Confidence: 78%
Aiello Sonja Minja AncelaVarsinainen jäsenSources: 1 · Confidence: 72%
Hänninen Pia KristiinaVarajäsenSources: 2 · 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
D
High riskSA LIFE OY
Grade unchangedD · new analysis 2026-10-17
26/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsRevenueVolatile
SolvencyNot enough history
LiquidityNot enough history
Same industryDescriptive comparison – does not change the model score.
87 peersSolvency13%
Below 87% of peers
Profitability13%
Below 87% of peers
Revenue growth15%
Below 85% of peers
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative equity
- Negative profitability or net result
- Losses in the latest and previous available periods
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsD
2026-10-1726/100 · v0.15
D → D- Risk factor cleared: High balance-sheet leverage.
D
2026-09-3026/100 · v0.14
Oldest retained automatic assessment in this comparisonD
2026-10-17
open-risk-grade-v0.15
The grade can use open digital financial statement data together with registry signals.
A serious financial risk signal affects this grade. Review the profile financial indicators 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 riskmedium
67/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 5 years of registry continuity.
Registry and status signalsSeurattava
58/100
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.
Registry timeline
Trade register notifications shown on a timeline.
8 register eventsLatest event: 2026-04-22
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
SA LIFE OY shows public core facts. A company representative can claim the profile, update public information, and access owner tools.