Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
Saarjoe Rakennus Oy
Saarjoe Rakennus Oy's registered office is Vanda. It is a limited company. The company was established on 2021-01-20. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2025-12-31, revenue was €71,437 and operating profit was -€4,415.
Business ID 3182072-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3182072-2
- Sector
- Construction of residential and non-residential buildings
- Municipality
- Vanda
- Company form
- Limited company
- Registration date
- 2021-01-20
- Business ID registration date
- 2021-01-08
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Leksankuja 4 B 42, 01700, Vanda
About Saarjoe Rakennus Oy
Financial position and key figures for the company.
Saarjoe Rakennus Oy's location municipality is Vanda. It is a limited company. The company was established on 2021-01-20. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2025-12-31, revenue was €71,437 and operating profit was -€4,415. The latest retained financial statement for 2025-12-31 shows revenue of €71,437 and profit for the financial year of -€4,417. Based on the latest retained statement, revenue growth was -16.8%, operating margin was -6.2%, and equity ratio was +96.8%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth-16.8%
Operating margin-6.2%
Equity ratio96.8%
Balance-sheet contextLatest financial period
Cash and bank€1,825Previous: €2,814
Retained earnings€33,705Previous: €36,246
Equity€29,289Previous: €33,705
Liabilities€981Previous: €3,325
Current assets€17,293Previous: €23,137
Current liabilities€981Previous: €3,325
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Improving
Current ratioSatisfactory
62/100 · Improving
Operating profit marginWeak
35/100 · Declining
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3182072-2
VAT IDFI31820722
EU IDFIFPRO.3182072-2
MunicipalityVanda
Current registered entries
2021-01-08VAT-liable for business activity in Tax Administration (VAT Register)
2021-01-08Registered in Tax Administration (Prepayment Register)
2021-01-20Registered in Tax Administration (Tax Administration)
2021-01-20Registered in Patent and Registration Office (Trade 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
B2
SatisfactorySaarjoe Rakennus Oy
Grade unchangedB2 · new analysis 2026-10-17
58/100
Medium
Usable financial evidenceFinancial data included
Same industry, size and age groupDescriptive comparison – does not change the model score.
48 peersSolvency96%
Better than 96% of peers
Profitability35%
Below 65% of peers
Liquidity67%
Better than 67% 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 filings114 days after period end
114 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Negative profitability or net result
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB2
2026-10-1758/100 · v0.15
B2 → B2B2
2026-09-20 21:0058/100 · v0.14
B3 → B2 · +10 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
2026-09-1448/100 · v0.14
B3 → B3B3
2026-09-1448/100 · v0.13
Oldest retained automatic assessment in this comparisonB2
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 riskhigh
25/100
Industry context is high based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 5 years of registry continuity.
Registry and status signalsSeurattava
57/100
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
20 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3 → B2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Registry timeline
Trade register notifications shown on a timeline.
7 register eventsLatest event: 2026-04-24
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
Saarjoe Rakennus Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.