Business profile

Saipot Oy

Saipot Oy's registered office is Oulunsalo. It is a limited company. The company was established on 2023-03-07. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2024-12-31, revenue was €60,574 and operating profit was -€2,944.

Business ID 3349137-9ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3349137-9
Sector
Activities of insurance agents and brokers
Municipality
Oulunsalo
Company form
Limited company
Registration date
2023-03-07
Business ID registration date
2023-03-02
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Kouranrannantie 1 A 1, 90460, Oulunsalo

About Saipot Oy

Financial position and key figures for the company.

Saipot Oy's location municipality is Oulunsalo. It is a limited company. The company was established on 2023-03-07. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2024-12-31, revenue was €60,574 and operating profit was -€2,944. The latest retained financial statement for 2024-12-31 shows revenue of €60,574 and profit for the financial year of -€7,547. Based on the latest retained statement, revenue growth was +34.3%, operating margin was -4.9%, and equity ratio was +53.4%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2024-12-31

Imported periods2
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth34.3%
Operating margin-4.9%
Equity ratio53.4%
Revenue€60,574+€15,460 (+34.3%) vs previous periodPrevious: €45,114
Operating profit (loss)-€2,944-€18,872 (-118.5%) vs previous periodPrevious: €15,928
Profit (loss) for the financial year-€7,547-€20,281 (-159.3%) vs previous periodPrevious: €12,734
Assets€7,839-€9,609 (-55.1%) vs previous periodPrevious: €17,448
Balance-sheet contextLatest financial period
Cash and bank€2,198Previous: €12,047
Retained earnings€11,734Previous: €0
Equity€4,187Previous: €12,734
Liabilities€3,653Previous: €4,715
Current assets€7,084Previous: €17,448
Current liabilities€3,653Previous: €4,715
Revenue trend2 periods
€45,114
2023-12-31
€60,574
2024-12-31
Operating profit (loss) trend2 periods
€15,928
2023-12-31
-€2,944
2024-12-31
Profit (loss) for the financial year trend2 periods
€12,734
2023-12-31
-€7,547
2024-12-31
Assets trend2 periods
€17,448
2023-12-31
€7,839
2024-12-31

Financial ratios

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

Equity ratioGood
67/100 · Declining
53.4 %2023-12-31: 73.0 %
Current ratioPassable
20/100 · Declining
0.60x2023-12-31: 2.56x
Operating profit marginWeak
38/100 · Declining
-4.9 %2023-12-31: 35.3 %
Ratio history
Ratio2023-12-312024-12-31
Equity ratio73.0 %53.4 %
Current ratio2.56x0.60x
Operating profit margin35.3 %-4.9 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3349137-9
EU IDFIFPRO.3349137-9
MunicipalityOulunsalo
Current registered entries
2023-03-02Registered in Tax Administration (Prepayment Register)
2023-03-07Registered in Patent and Registration Office (Trade Register)
2023-03-08Registered 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
SatisfactorySaipot Oy
Grade unchangedB2 · new analysis 2026-09-29
Model score59/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
2 comparable periods
RevenueImproving
ProfitabilityDeteriorating
SolvencyDeteriorating
LiquidityDeteriorating
Financial statement reporting patternDelayedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings
Latest registration lag87 days after period end
Typical registration lag364 days after period end
Annual continuity2 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
  • Coordinated deterioration across 3 financial domains
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessments
B2
2026-09-29 04:0159/100 · v0.14
B2 → B2 · +4 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2024-12-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B2
2026-09-1555/100 · v0.14
B2 → B2 · -1 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
2026-09-1456/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB2
Automatic model snapshot2026-09-29
Automatic model versionopen-risk-grade-v0.14
Financial data included

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

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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
35/100

The company has about 3 years of registry continuity.

Registry and status signalsRajallinen
38/100

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 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: 2025-03-28

Financial statements availability

Available financial statement periods and PRH source filings.

2 financial statement periodsLatest financial period: 2024-12-31

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

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