Risk grade updatedRisk gradeEvidence verified
25 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3 → D.Business profile
Sanavarma Oy
Sanavarma Oy's registered office is Lahti. It is a limited company. The company was established on 2024-01-18. It operates in the industry of other activities of advertising agencies. In its latest retained statement for 2025-12-31, revenue was €240,269 and operating profit was -€11,686.
Business ID 3416512-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3416512-9
- Sector
- Other activities of advertising agencies
- Municipality
- Lahti
- Company form
- Limited company
- Registration date
- 2024-01-18
- Business ID registration date
- 2024-01-04
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Rautatienkatu 20, 15110, Lahti
Website: https://www.sanavarma.fiSource observation
About Sanavarma Oy
Financial position and key figures for the company.
Sanavarma Oy's location municipality is Lahti. It is a limited company. The company was established on 2024-01-18. It operates in the industry of other activities of advertising agencies. In its latest retained statement for 2025-12-31, revenue was €240,269 and operating profit was -€11,686. The latest retained financial statement for 2025-12-31 shows revenue of €240,269 and profit for the financial year of -€11,933. Based on the latest retained statement, revenue growth was +8.9%, operating margin was -4.9%, and equity ratio was -15.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth8.9%
Operating margin-4.9%
Equity ratio-15.4%
Balance-sheet contextLatest financial period
Other operating income€87Previous: €0
Cash and bank€12,022Previous: €13,250
Retained earnings€8,144Previous: €0
Equity-€3,789Previous: €8,144
Liabilities€28,378Previous: €24,458
Current assets€24,589Previous: €32,602
Current liabilities€28,378Previous: €24,458
Revenue trend2 periods
€220,579
2024-12-31
€240,269
2025-12-31
Operating profit (loss) trend2 periods
€10,229
2024-12-31
-€11,686
2025-12-31
Profit (loss) for the financial year trend2 periods
€8,144
2024-12-31
-€11,933
2025-12-31
Assets trend2 periods
€32,602
2024-12-31
€24,589
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
0/100 · Declining
Current ratioWeak
14/100 · Declining
Operating profit marginWeak
38/100 · Declining
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 25.0 % | -15.4 % |
| Current ratio | 0.54x | 0.42x |
| Operating profit margin | 4.6 % | -4.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3416512-9
VAT IDFI34165129
EU IDFIFPRO.3416512-9
MunicipalityLahti
Current registered entries
2024-01-04Registered in Tax Administration (Employer Register)
2024-01-04VAT-liable for business activity in Tax Administration (VAT Register)
2024-01-04Registered in Tax Administration (Prepayment Register)
2024-01-18Registered in Tax Administration (Tax Administration)
2024-01-18Registered 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
D
High riskSanavarma Oy
Grade downgradedB3 → D · new analysis 2026-09-25
22/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
2 comparable periodsRevenueStable
LiquidityStable
Same size nationallyDescriptive comparison – does not change the model score.
381 peersSolvency11%
Below 89% of peers
Profitability15%
Below 85% of peers
Liquidity49%
Close to the peer-group midpoint
Revenue growth74%
Better than 74% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings101 days after period end
97 days after period end
2 consecutive periods
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative equity
- Weak current ratio
- Negative profitability or net result
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsD
2026-09-25 21:4222/100 · v0.14
B3 → D · -25 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.
B3
2026-09-1547/100 · v0.14
B2 → B3 · -5 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
2026-09-1452/100 · v0.12
Oldest retained automatic assessment in this comparisonD
2026-09-25
open-risk-grade-v0.14
The grade can use open digital financial statement data together with registry signals.
A serious financial risk signal affects this grade. Review the profile financial indicators as well.
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 riskmedium
60/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityNuori
15/100
The company has about 2 years of registry continuity.
Registry and status signalsRajallinen
44/100
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 B3.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: 2026-04-11
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 2025-12-31.
This company profile has not been claimed yet
Sanavarma Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.