Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
Safe payment group Oy
Safe payment group Oy's registered office is Lahti. It is a limited company. The company was established on 2022-04-01. It operates in the industry of computer programming activities. In its latest retained statement for 2025-07-31, revenue was €8 and operating profit was -€15,985.
Business ID 3275669-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3275669-7
- Sector
- Computer programming activities
- Municipality
- Lahti
- Company form
- Limited company
- Registration date
- 2022-04-01
- Business ID registration date
- 2022-03-18
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Niemenkatu 73, 15140, Lahti
About Safe payment group Oy
Financial position and key figures for the company.
Safe payment group Oy's location municipality is Lahti. It is a limited company. The company was established on 2022-04-01. It operates in the industry of computer programming activities. In its latest retained statement for 2025-07-31, revenue was €8 and operating profit was -€15,985. The latest retained financial statement for 2025-07-31 shows revenue of €8 and profit for the financial year of -€20,187. Based on the latest retained statement, revenue growth was -1.0%, operating margin was -201317.0%, and equity ratio was +41.7%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-07-31
3
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-1.0%
Operating margin-201317.0%
Equity ratio41.7%
Balance-sheet contextLatest financial period
Other operating income€8,500Previous: €0
Cash and bank€1,573Previous: €5,627
Retained earnings-€42,821Previous: -€14,535
Equity€37,564Previous: €38,214
Liabilities€52,581Previous: €61,010
Current assets€2,278Previous: €8,880
Current liabilities€30,790Previous: €40,206
Revenue trend2 periods
€8
2024-07-31
€8
2025-07-31
Operating profit (loss) trend2 periods
-€24,731
2024-07-31
-€15,985
2025-07-31
Profit (loss) for the financial year trend2 periods
-€28,286
2024-07-31
-€20,187
2025-07-31
Assets trend2 periods
€99,224
2024-07-31
€90,145
2025-07-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioSatisfactory
52/100 · Improving
Current ratioWeak
2/100 · Declining
Operating profit marginWeak
0/100 · Improving
Ratio history
| Ratio | 2024-07-31 | 2025-07-31 |
|---|---|---|
| Equity ratio | 38.5 % | 41.7 % |
| Current ratio | 0.14x | 0.05x |
| Operating profit margin | -308360.8 % | -187.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3275669-7
VAT IDFI32756697
EU IDFIFPRO.3275669-7
MunicipalityLahti
Current registered entries
2022-04-01VAT-liable for business activity in Tax Administration (VAT Register)
2022-04-01Registered in Tax Administration (Prepayment Register)
2022-04-01Registered in Patent and Registration Office (Trade Register)
2022-04-04Registered in Tax Administration (Tax Administration)
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
SatisfactorySafe payment group Oy
Grade unchangedB2 · new analysis 2026-09-19
51/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueStable
ProfitabilityImproving
SolvencyStable
LiquidityStable
Same size nationallyDescriptive comparison – does not change the model score.
195 peersSolvency44%
Below 56% of peers
Profitability9%
Below 91% of peers
Liquidity42%
Below 58% of peers
Revenue growth38%
Below 62% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings189 days after period end
189 days after period end
3 consecutive periods
Supporting factors
- Strong equity ratio
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
- Weak current ratio
- 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.
5 assessmentsB2
2026-09-19 14:3751/100 · v0.14
B2 → B2 · +1 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-07-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B2
2026-09-1450/100 · v0.14
B2 → B2B2
2026-09-1450/100 · v0.13
B2 → B2 · -3 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 comparisonB2
2026-09-19
open-risk-grade-v0.14
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
49/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityNuori
35/100
The company has about 4 years of registry continuity.
Registry and status signalsRajallinen
53/100
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.
15 register eventsLatest event: 2026-03-27
Financial statements availability
Available financial statement periods and PRH source filings.
3 financial statement periodsLatest financial period: 2025-07-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-27.
This company profile has not been claimed yet
Safe payment group Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.