Risk grade updatedRisk gradeEvidence verified
24 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A2.Business profile
Santelo Oy
Santelo Oy's registered office is Tampere. It is a limited company. The company was established on 2004-11-15. It operates in the industry of computer programming activities. In its latest retained statement for 2025-12-31, revenue was €122,730 and operating profit was €24,551.
Business ID 1923653-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 1923653-1
- Sector
- Computer programming activities
- Municipality
- Tampere
- Company form
- Limited company
- Registration date
- 2004-11-15
- Business ID registration date
- 2004-10-07
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Finlaysoninkuja 21 A, 33210, Tampere
Website: https://www.santelo.fiSource observation
About Santelo Oy
Financial position and key figures for the company.
Santelo Oy's location municipality is Tampere. It is a limited company. The company was established on 2004-11-15. It operates in the industry of computer programming activities. In its latest retained statement for 2025-12-31, revenue was €122,730 and operating profit was €24,551. The latest retained financial statement for 2025-12-31 shows revenue of €122,730 and profit for the financial year of -€9,941. Based on the latest retained statement, revenue growth was +177.7%, operating margin was +20.0%, and equity ratio was +75.8%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
7
2
PRH/XBRL financial statement
Derived indicators
Revenue growth177.7%
Operating margin20.0%
Equity ratio75.8%
Balance-sheet contextLatest financial period
Cash and bank€27,266Previous: €10,061
Retained earnings€45,100Previous: €43,193
Equity€37,659Previous: €51,902
Liabilities€12,019Previous: €6,208
Current assets€38,553Previous: €51,535
Current liabilities€12,019Previous: €6,208
Revenue trend2 periods
€44,203
2024-12-31
€122,730
2025-12-31
Operating profit (loss) trend2 periods
€7,461
2024-12-31
€24,551
2025-12-31
Profit (loss) for the financial year trend2 periods
€6,210
2024-12-31
-€9,941
2025-12-31
Assets trend2 periods
€58,110
2024-12-31
€49,678
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
95/100 · Declining
Current ratioGood
76/100 · Improving
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 89.3 % | 75.8 % |
| Current ratio | 1.62x | 2.27x |
| Operating profit margin | 16.9 % | 20.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID1923653-1
VAT IDFI19236531
EU IDFIFPRO.1923653-1
MunicipalityTampere
Current registered entries
2004-10-04Registered in Tax Administration (Employer Register)
2004-10-04VAT-liable for business activity in Tax Administration (VAT Register)
2004-10-07Registered in Tax Administration (Prepayment Register)
2004-10-29Registered in Tax Administration (Tax Administration)
2004-11-15Registered 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
A2
Very goodSantelo Oy
Grade upgradedB1 → A2 · new analysis 2026-09-24
86/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueImproving
ProfitabilityImproving
LiquidityImproving
Same size nationallyDescriptive comparison – does not change the model score.
143 peersSolvency69%
Better than 69% of peers
Profitability76%
Better than 76% of peers
Liquidity78%
Better than 78% of peers
Revenue growth95%
Better than 95% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings86 days after period end
130 days after period end
3 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Healthy short-term liquidity
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.
4 assessmentsA2
2026-09-24 10:0286/100 · v0.14
B1 → A2 · +23 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.
B1
2026-09-1563/100 · v0.14
B2 → B1 · +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
2026-09-1458/100 · v0.12
Oldest retained automatic assessment in this comparisonA2
2026-09-24
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 continuityVakiintunut
80/100
The company has about 21 years of registry continuity.
Registry and status signalsSeurattava
70/100
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 B1.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
19 register eventsLatest event: 2026-03-27
Financial statements availability
Available financial statement periods and PRH source filings.
7 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
Santelo Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.