Business profile

Sainrance Oy

Sainrance Oy's registered office is Oulu. It is a limited company. The company was established on 2023-11-29. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €67,248 and operating profit was €1,897.

Claim profileContact details
Business ID 3408686-9ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3408686-9
Sector
Activities of insurance agents and brokers
Municipality
Oulu
Company form
Limited company
Registration date
2023-11-29
Business ID registration date
2023-11-27
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Leikarintie 1 B 11, 90670, Oulu

About Sainrance Oy

Financial position and key figures for the company.

Sainrance Oy's location municipality is Oulu. It is a limited company. The company was established on 2023-11-29. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €67,248 and operating profit was €1,897. The latest retained financial statement for 2025-12-31 shows revenue of €67,248 and profit for the financial year of €1,518. Based on the latest retained statement, revenue growth was +118.2%, operating margin was +2.8%, and equity ratio was +19.4%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods2
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth118.2%
Operating margin2.8%
Equity ratio19.4%
Revenue€67,248+€36,423 (+118.2%) vs previous periodPrevious: €30,826
Operating profit (loss)€1,897+€1,461 (+335.2%) vs previous periodPrevious: €436
Profit (loss) for the financial year€1,518+€1,186 (+357.6%) vs previous periodPrevious: €332
Assets€9,544+€7,483 (+363.0%) vs previous periodPrevious: €2,061
Balance-sheet contextLatest financial period
Cash and bank€4,098Previous: €2,003
Retained earnings€332Previous: €0
Equity€1,849Previous: €332
Liabilities€7,695Previous: €1,730
Current assets€9,544Previous: €2,061
Current liabilities€7,695Previous: €1,730
Revenue trend2 periods
€30,826
2024-12-31
€67,248
2025-12-31
Operating profit (loss) trend2 periods
€436
2024-12-31
€1,897
2025-12-31
Profit (loss) for the financial year trend2 periods
€332
2024-12-31
€1,518
2025-12-31
Assets trend2 periods
€2,061
2024-12-31
€9,544
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioPassable
24/100 · Improving
19.4 %2024-12-31: 16.1 %
Current ratioPassable
18/100 · Declining
0.53x2024-12-31: 1.16x
Operating profit marginPassable
57/100 · Improving
2.8 %2024-12-31: 1.4 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio16.1 %19.4 %
Current ratio1.16x0.53x
Operating profit margin1.4 %2.8 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3408686-9
EU IDFIFPRO.3408686-9
MunicipalityOulu
Current registered entries
2023-11-27Registered in Tax Administration (Prepayment Register)
2023-11-29Registered in Tax Administration (Tax Administration)
2023-11-29Registered 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
SatisfactorySainrance Oy
Grade unchangedB2 · new analysis 2026-10-17
Model score54/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
2 comparable periods
RevenueImproving
ProfitabilityStable
SolvencyStable
LiquidityDeteriorating
Peer comparisonSame industry and sizeDescriptive comparison – does not change the model score.
84 peers
Solvency27%
Below 73% of peers
Profitability56%
Better than 56% of peers
Liquidity51%
Close to the peer-group midpoint
Revenue growth90%
Better than 90% of peers
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings
Latest registration lag112 days after period end
Typical registration lag110 days after period end
Annual continuity2 consecutive periods
Supporting factors
  • Active registered status
  • A newer financial statement filing has been reported
  • Lower industry distress context
Risk factors to note
  • Weak current ratio
  • High balance-sheet leverage
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
B2
2026-10-1754/100 · v0.15
B2 → B2
B2
2026-10-03 00:4854/100 · v0.14
B2 → B2 · +2 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B2
2026-09-1552/100 · v0.14
B2 → B2 · -2 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
2026-09-1454/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB2
Automatic model snapshot2026-10-17
Automatic model versionopen-risk-grade-v0.15
Financial data included

The grade can use open digital financial statement data together with registry signals.

Verify assessment

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 risklow
77/100

Industry context is low based on normalized open statistical inputs.

Age and continuityNuori
15/100

The company has about 2 years of registry continuity.

Registry and status signalsRajallinen
39/100

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
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.
Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.

Registry timeline

Trade register notifications shown on a timeline.

4 register eventsLatest event: 2026-04-22

Financial statements availability

Available financial statement periods and PRH source filings.

2 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 2026-01-07.

This company profile has not been claimed yet

Sainrance Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.