Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Saapunkijärven Lomat Oy
Saapunkijärven Lomat Oy's registered office is Kuusamo. It is a limited company. The company was established on 2023-01-25. It operates in the industry of short-stay accommodation in apartments and rooms. In its latest retained statement for 2025-12-31, revenue was €60,364 and operating profit was €16,318.
Business ID 3335468-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3335468-1
- Sector
- Short-stay accommodation in apartments and rooms
- Municipality
- Kuusamo
- Company form
- Limited company
- Registration date
- 2023-01-25
- Business ID registration date
- 2022-12-31
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Saapungintie 12 A, 93800, Kuusamo
About Saapunkijärven Lomat Oy
Financial position and key figures for the company.
Saapunkijärven Lomat Oy's location municipality is Kuusamo. It is a limited company. The company was established on 2023-01-25. It operates in the industry of short-stay accommodation in apartments and rooms. In its latest retained statement for 2025-12-31, revenue was €60,364 and operating profit was €16,318. The latest retained financial statement for 2025-12-31 shows revenue of €60,364 and profit for the financial year of €13,565. Based on the latest retained statement, revenue growth was +0.4%, operating margin was +27.0%, and equity ratio was +82.1%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth0.4%
Operating margin27.0%
Equity ratio82.1%
Balance-sheet contextLatest financial period
Cash and bank€9,545Previous: €15,189
Retained earnings€21,298Previous: €2,698
Equity€165,563Previous: €151,998
Liabilities€36,066Previous: €53,443
Current assets€11,565Previous: €16,987
Current liabilities€36,066Previous: €53,443
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Improving
Current ratioWeak
9/100 · 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 ID3335468-1
VAT IDFI33354681
EU IDFIFPRO.3335468-1
MunicipalityKuusamo
Current registered entries
2022-11-26VAT-liable for business activity in Tax Administration (VAT Register)
2023-01-25Registered in Patent and Registration Office (Trade Register)
2023-01-26Registered in Tax Administration (Tax Administration)
2023-03-03Registered 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
GoodSaapunkijärven Lomat Oy
Grade unchangedA3 · new analysis 2026-10-17
71/100
Medium
Usable financial evidenceFinancial data included
Same industryDescriptive comparison – does not change the model score.
86 peersSolvency85%
Better than 85% of peers
Profitability83%
Better than 83% of peers
Liquidity48%
Close to the peer-group midpoint
Limited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings106 days after period end
106 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Weak current ratio
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1771/100 · v0.15
A3 → A3A3
2026-09-23 08:1771/100 · v0.14
B3 → A3 · +22 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B3
2026-09-1549/100 · v0.14
B2 → B3 · -4 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.
B2
2026-09-1353/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
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 riskelevated
46/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityNuori
35/100
The company has about 3 years of registry continuity.
Registry and status signalsRajallinen
52/100
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
23 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3 → A3.Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Risk grade updatedRisk gradeEvidence verified
13 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
6 register eventsLatest event: 2026-04-16
Financial statements availability
Available financial statement periods and PRH source filings.
1 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
Saapunkijärven Lomat Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.