Risk grade updatedRisk gradeEvidence verified
19 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
Saaristo-Invest Oy
Saaristo-Invest Oy's registered office is Taivassalo. It is a limited company. The company was established on 1990-05-09. It operates in the industry of retail sale of other new goods n.e.c.. In its latest retained statement for 2025-12-31, revenue was €591,756 and operating profit was €282,424.
Business ID 0838954-0ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0838954-0
- Sector
- Retail sale of other new goods n.e.c.
- Municipality
- Taivassalo
- Company form
- Limited company
- Registration date
- 1990-05-09
- Business ID registration date
- 1991-05-03
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Vainilantie 9, 23310, Taivassalo
Website: https://saaristoinvest.fiSource observation
People and decision-makers
Päivärinta Anssi OlaviPuheenjohtaja
Päivärinta Niina AnitaVarsinainen jäsen
Päivärinta Sami OlaviVarsinainen jäsen
About Saaristo-Invest Oy
Financial position and key figures for the company.
Saaristo-Invest Oy's location municipality is Taivassalo. It is a limited company. The company was established on 1990-05-09. It operates in the industry of retail sale of other new goods n.e.c.. In its latest retained statement for 2025-12-31, revenue was €591,756 and operating profit was €282,424. The latest retained financial statement for 2025-12-31 shows revenue of €591,756 and profit for the financial year of €287,101. Based on the latest retained statement, revenue growth was -16.9%, operating margin was +47.7%, and equity ratio was +69.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
Combined source
Derived indicators
Revenue growth-16.9%
Operating margin47.7%
Equity ratio69.4%
Balance-sheet contextLatest financial period
Other operating income€139,983Previous: €0
Inventory€1,868,850Previous: €1,451,386
Cash and bank€13,041Previous: €14,565
Retained earnings-€309,990Previous: -€171,439
Equity€1,350,611Previous: €1,133,511
Liabilities€594,482Previous: €591,970
Current assets€1,921,702Previous: €1,506,109
Current liabilities€59,482Previous: €56,970
Revenue trend5 periods
€1,078,975
2021-12-31
€467,435
2022-12-31
€845,750
2023-12-31
€712,324
2024-12-31
€591,756
2025-12-31
Operating profit (loss) trend5 periods
-€79,746
2021-12-31
-€71,137
2022-12-31
€93,570
2023-12-31
-€43,059
2024-12-31
€282,424
2025-12-31
Profit (loss) for the financial year trend5 periods
-€81,491
2021-12-31
-€65,562
2022-12-31
€96,384
2023-12-31
-€138,550
2024-12-31
€287,101
2025-12-31
Assets trend5 periods
€2,190,591
2021-12-31
€1,952,184
2022-12-31
€1,995,564
2023-12-31
€1,725,480
2024-12-31
€1,945,094
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioGood
87/100 · Improving
Current ratioGood
100/100 · Improving
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 72.4 % | 69.4 % | 70.4 % | 65.7 % | 69.4 % |
| Current ratio | - | - | - | - | 31.64x |
| Operating profit margin | -7.1 % | -14.8 % | 10.9 % | -6.0 % | 38.6 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0838954-0
VAT IDFI08389540
EU IDFIFPRO.0838954-0
MunicipalityTaivassalo
Current registered entries
1990-05-09Registered in Patent and Registration Office (Trade Register)
1991-05-03Registered in Tax Administration (Tax Administration)
1995-03-01Registered in Tax Administration (Prepayment Register)
2012-05-01VAT-liable for business activity in Tax Administration (VAT Register)
Responsible people
Public role relationships materialized from source observations.
Päivärinta Anssi OlaviPuheenjohtajaSources: 5 · Confidence: 78%
Päivärinta Niina AnitaVarsinainen jäsenSources: 4 · Confidence: 78%
Päivärinta Sami OlaviVarsinainen jäsenSources: 4 · Confidence: 78%
Raitmaa Ritva AnneliTilintarkastajaSources: 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
A2
Very goodSaaristo-Invest Oy
Grade upgradedB1 → A2 · new analysis 2026-10-19
81/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsProfitabilityVolatile
SolvencyStable
LiquidityNot enough history
Same industry, size and age groupDescriptive comparison – does not change the model score.
179 peersSolvency67%
Better than 67% of peers
Profitability98%
Better than 98% of peers
Liquidity99%
Better than 99% of peers
Revenue growth13%
Below 87% 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 filings170 days after period end
170 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Healthy short-term liquidity
Risk factors to note
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
3 assessmentsA2
2026-10-1981/100 · v0.15
B1 → A2 · +21 points- Revenue: Not enough history → Deteriorating
- Profitability: Not enough history → Volatile
- Solvency: Not enough history → Stable
B1
2026-09-1560/100 · v0.14
B1 → B1- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1460/100 · v0.12
Oldest retained automatic assessment in this comparisonA2
2026-10-19
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 continuityVakiintunut
90/100
The company has about 36 years of registry continuity.
Registry and status signalsVakaa
84/100
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
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
24 register eventsLatest event: 2026-06-19
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 2026-03-16.
This company profile has not been claimed yet
Saaristo-Invest Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.