Business profile

Savo consulting group Oy

Savo consulting group Oy's registered office is Pajujärvi. It is a limited company. The company was established on 2019-11-08. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2026-01-31, revenue was €106,066 and operating profit was €20,838.

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Business ID 3097550-3ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3097550-3
Sector
Construction of residential and non-residential buildings
Municipality
Pajujärvi
Company form
Limited company
Registration date
2019-11-08
Business ID registration date
2019-11-05
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Kotalahdentie 215, 71920, Pajujärvi

About Savo consulting group Oy

Financial position and key figures for the company.

Savo consulting group Oy's location municipality is Pajujärvi. It is a limited company. The company was established on 2019-11-08. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2026-01-31, revenue was €106,066 and operating profit was €20,838. The latest retained financial statement for 2026-01-31 shows revenue of €106,066 and profit for the financial year of €16,400. Based on the latest retained statement, revenue growth was -42.1%, operating margin was +19.6%, and equity ratio was +97.2%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2026-01-31

Imported periods5
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-42.1%
Operating margin19.6%
Equity ratio97.2%
Revenue€106,066-€77,015 (-42.1%) vs previous periodPrevious: €183,081
Operating profit (loss)€20,838-€19,288 (-48.1%) vs previous periodPrevious: €40,126
Profit (loss) for the financial year€16,400-€14,331 (-46.6%) vs previous periodPrevious: €30,731
Assets€82,552-€17,285 (-17.3%) vs previous periodPrevious: €99,836
Balance-sheet contextLatest financial period
Cash and bank€20,135Previous: €37,597
Retained earnings€63,825Previous: €43,094
Equity€80,225Previous: €73,825
Liabilities€2,326Previous: €26,011
Current assets€43,846Previous: €55,213
Current liabilities€2,326Previous: €26,011
Revenue trend2 periods
€183,081
2025-01-31
€106,066
2026-01-31
Operating profit (loss) trend2 periods
€40,126
2025-01-31
€20,838
2026-01-31
Profit (loss) for the financial year trend2 periods
€30,731
2025-01-31
€16,400
2026-01-31
Assets trend2 periods
€99,836
2025-01-31
€82,552
2026-01-31

Financial ratios

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

Equity ratioGood
100/100 · Improving
97.2 %2025-01-31: 74.0 %
Current ratioGood
100/100 · Improving
8.66x2025-01-31: 1.45x
Operating profit marginGood
99/100 · Declining
19.6 %2025-01-31: 21.9 %
Ratio history
Ratio2025-01-312026-01-31
Equity ratio74.0 %97.2 %
Current ratio1.45x8.66x
Operating profit margin21.9 %19.6 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3097550-3
VAT IDFI30975503
EU IDFIFPRO.3097550-3
MunicipalityPajujärvi
Current registered entries
2019-11-05VAT-liable for business activity in Tax Administration (VAT Register)
2019-11-05Registered in Tax Administration (Prepayment Register)
2019-11-08Registered in Tax Administration (Tax Administration)
2019-11-08Registered 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
A3
GoodSavo consulting group Oy
Grade unchangedA3 · new analysis 2026-10-17
Model score72/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
3 comparable periods
RevenueDeteriorating
ProfitabilityStable
SolvencyImproving
LiquidityImproving
Peer comparisonSame industry, size and age groupDescriptive comparison – does not change the model score.
31 peers
Solvency100%
Better than 100% of peers
Profitability87%
Better than 87% of peers
Liquidity100%
Better than 100% of peers
Revenue growth3%
Below 97% 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 lag160 days after period end
Typical registration lag113 days after period end
Annual continuity4 consecutive periods
Supporting factors
  • Strong equity ratio
  • Strong operating profitability
  • Healthy short-term liquidity
Risk factors to note
  • Sharp year-over-year revenue drop
  • Elevated industry distress context
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
A3
2026-10-1772/100 · v0.15
A3 → A3
A3
2026-10-02 11:4272/100 · v0.14
B3 → A3 · +25 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-01-31).
  • 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 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 riskhigh
25/100

Industry context is high based on normalized open statistical inputs.

Age and continuityHyvä
60/100

The company has about 6 years of registry continuity.

Registry and status signalsSeurattava
55/100

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 A3.
Risk grade updatedRisk gradeEvidence verified
2 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3 → A3.
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.

7 register eventsLatest event: 2025-05-22

Financial statements availability

Available financial statement periods and PRH source filings.

5 financial statement periodsLatest financial period: 2026-01-31

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

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