Business profile

Sattumalta Oy

Sattumalta Oy's registered office is Kouvola. It is a limited company. The company was established on 2004-11-18. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €0 and operating profit was -€258.

Claim profileContact details
Business ID 1927833-6ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
1927833-6
Sector
Activities of insurance agents and brokers
Municipality
Kouvola
Company form
Limited company
Registration date
2004-11-18
Business ID registration date
2004-11-03
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Hallituskatu 7 A, 45100, Kouvola

Website: https://www.sattumalta.fiSource observation

About Sattumalta Oy

Financial position and key figures for the company.

Sattumalta Oy's location municipality is Kouvola. It is a limited company. The company was established on 2004-11-18. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €0 and operating profit was -€258. The latest retained financial statement for 2025-12-31 shows revenue of €0 and profit for the financial year of -€138. Based on the latest retained statement, revenue growth was -100.0%, operating margin was not currently available, and equity ratio was +100.0%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods4
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-100.0%
Equity ratio100.0%
Revenue€0-€215 (-100.0%) vs previous periodPrevious: €215
Operating profit (loss)-€258-€263 (-5575.0%) vs previous periodPrevious: €5
Profit (loss) for the financial year-€138-€143 (-3032.6%) vs previous periodPrevious: €5
Assets€2,374-€399 (-14.4%) vs previous periodPrevious: €2,773
Balance-sheet contextLatest financial period
Cash and bank€451Previous: €590
Retained earnings-€97,487Previous: -€97,277
Equity€2,374Previous: €2,728
Liabilities€0Previous: €45
Current assets€451Previous: €850
Current liabilities€0Previous: €45
Revenue trend2 periods
€215
2024-12-31
€0
2025-12-31
Operating profit (loss) trend2 periods
€5
2024-12-31
-€258
2025-12-31
Profit (loss) for the financial year trend2 periods
€5
2024-12-31
-€138
2025-12-31
Assets trend2 periods
€2,773
2024-12-31
€2,374
2025-12-31

Financial ratios

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

Equity ratioGood
100/100 · Improving
100.0 %2024-12-31: 98.4 %
Current ratioNot assessable
0/100 · Trend unavailable
Not available2024-12-31: 13.05x
Operating profit marginNot assessable
0/100 · Trend unavailable
Not available2024-12-31: 2.2 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio98.4 %100.0 %
Current ratio13.05x-
Operating profit margin2.2 %-

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID1927833-6
EU IDFIFPRO.1927833-6
MunicipalityKouvola
Current registered entries
2004-11-08Registered in Tax Administration (Tax Administration)
2004-11-18Registered in Patent and Registration Office (Trade Register)
2014-04-02Registered in Tax Administration (Prepayment 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
A3
GoodSattumalta Oy
Grade unchangedA3 · new analysis 2026-10-17
Model score71/100
Assessment confidenceLow
Evidence qualityUsable financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
3 comparable periods
RevenueDeteriorating
ProfitabilityNot enough history
SolvencyStable
LiquidityNot enough history
Peer comparisonSame industryDescriptive comparison – does not change the model score.
86 peers
Solvency98%
Better than 98% of peers
Revenue growth1%
Below 99% 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.
4 observed filings
Latest registration lag115 days after period end
Typical registration lag89 days after period end
Annual continuity4 consecutive periods
Supporting factors
  • Strong equity ratio
  • Company context reduces the weight of an isolated financial signal
  • Active registered status
Risk factors to note
  • Negative profitability or net result
  • Sharp year-over-year revenue drop
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
A3
2026-10-1771/100 · v0.15
A3 → A3
A3
2026-09-24 07:5471/100 · v0.14
A3 → A3 · +1 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
  • Assessment confidence: Medium → Low.
  • Evidence quality: Registry and statistical evidence → Usable financial evidence.
A3
2026-09-1570/100 · v0.14
B1 → A3 · +7 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.
B1
2026-09-1463/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeA3
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 continuityVakiintunut
80/100

The company has about 21 years of registry continuity.

Registry and status signalsSeurattava
73/100

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 A3.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.

Registry timeline

Trade register notifications shown on a timeline.

14 register eventsLatest event: 2026-04-25

Financial statements availability

Available financial statement periods and PRH source filings.

4 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

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