Risk grade updatedRisk gradeEvidence verified
16 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
Seppo-Juhani Oy
Seppo-Juhani Oy's registered office is Kutajärvi. It is a limited company. The company was established on 1990-05-30. It operates in the industry of tour operator activities. In its latest retained statement for 2025-06-30, revenue was €233,187 and operating profit was -€22,022.
Business ID 0803891-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0803891-9
- Sector
- Tour operator activities
- Municipality
- Kutajärvi
- Company form
- Limited company
- Registration date
- 1990-05-30
- Business ID registration date
- 1990-07-04
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Toivontie 2, 16730, Kutajärvi
Phone: +358405060330Source observation
Email: [email protected]Source observation
Website: https://www.sjoy.fiSource observation
People and decision-makers
Savolainen Seppo JuhaniToimitusjohtaja
About Seppo-Juhani Oy
Financial position and key figures for the company.
Seppo-Juhani Oy's location municipality is Kutajärvi. It is a limited company. The company was established on 1990-05-30. It operates in the industry of tour operator activities. In its latest retained statement for 2025-06-30, revenue was €233,187 and operating profit was -€22,022. The latest retained financial statement for 2025-06-30 shows revenue of €233,187 and profit for the financial year of -€22,294. Based on the latest retained statement, revenue growth was -24.4%, operating margin was -9.4%, and equity ratio was +60.0%.
Auxiliary business names
Public alternate names materialized from source observations.
SJoy HotellitSJoy Travel-LinesSJoy Treffipalvelut
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimialana on majoitus- ja ravitsemuselinkeinon harjoittaminen, ulkoiluun, urheiluun, matkailuun, arvopaperikauppaan ja vuokraamotoimintaan liittyvien palvelujen tuottaminen ja myynti, massatapahtumien sekä matkapakettien järjestäminen, matkatoimisto-, ohjelma-, treffi- sekä linja-autoliikennepalvelut, autokauppa, maahantuonti, hiekkapuhallus-, maalaus-, rakennus- ja saneeraustyöt, atk- ja toimistoala, internet-sivustojen tuottaminen. Tarkoitustaan varten yhtiö voi omistaa kiinteistöjä, osakkeita, tontteja ja vuokrauskalustoa sekä vuokrata ja myydä niitä. Yhtiö voi myös rakentaa tonteillensa rakennuksia ja laitteita. Yhtiöllä on myös kuljettajapalvelu.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-06-30
0
0
Enriched source observation
Derived indicators
Revenue growth-24.4%
Operating margin-9.4%
Equity ratio60.0%
Revenue€233,187-€75,131 (-24.4%) vs previous periodPrevious: €308,318
Operating profit (loss)-€22,022-€26,925 (-549.2%) vs previous periodPrevious: €4,903
Profit (loss) for the financial year-€22,294-€26,700 (-606.0%) vs previous periodPrevious: €4,406
Assets€275,325-€39,258 (-12.5%) vs previous periodPrevious: €314,584
Balance-sheet contextLatest financial period
Employees6Previous: No comparison value
Revenue trend5 periods
€36,556
2021-06-30
€125,203
2022-06-30
€215,430
2023-06-30
€308,318
2024-06-30
€233,187
2025-06-30
Operating profit (loss) trend5 periods
-€43,545
2021-06-30
-€12,357
2022-06-30
€12,528
2023-06-30
€4,903
2024-06-30
-€22,022
2025-06-30
Profit (loss) for the financial year trend5 periods
-€47,337
2021-06-30
-€15,928
2022-06-30
€10,120
2023-06-30
€4,406
2024-06-30
-€22,294
2025-06-30
Assets trend5 periods
€466,676
2021-06-30
€422,161
2022-06-30
€328,352
2023-06-30
€314,584
2024-06-30
€275,325
2025-06-30
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
75/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginWeak
26/100 · Declining
Ratio history
| Ratio | 2021-06-30 | 2022-06-30 | 2023-06-30 | 2024-06-30 | 2025-06-30 |
|---|---|---|---|---|---|
| Equity ratio | 56.0 % | 53.2 % | 66.0 % | 64.8 % | 60.0 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | -98.6 % | -9.6 % | 5.8 % | 1.6 % | -9.4 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0803891-9
VAT IDFI08038919
EU IDFIFPRO.0803891-9
MunicipalityKutajärvi
Current registered entries
1990-05-30Registered in Patent and Registration Office (Trade Register)
1990-07-04Registered in Tax Administration (Tax Administration)
1995-03-01Registered in Tax Administration (Prepayment Register)
1995-12-15VAT-liable for business activity in Tax Administration (VAT Register)
2020-06-01VAT-obliged for the transfer of rights to use immovable property in Tax Administration (VAT Register)
Responsible people
Public role relationships materialized from source observations.
Savolainen Seppo JuhaniToimitusjohtajaSources: 6 · Confidence: 78%
Savolainen Arja Siviä KyllikkiVarajäsenSources: 1 · Confidence: 78%
Savolainen Seppo JuhaniVarsinainen jäsenSources: 3 · Confidence: 78%
Saarinen Harri JuhaniTilintarkastajaSources: 2 · Confidence: 78%
Arja SavolainenRekisteristä vastaava yhteyshenkilöSources: 1 · Confidence: 76%
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
B1
StableSeppo-Juhani Oy
Grade unchangedB1 · new analysis 2026-10-18
63/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsRevenueVolatile
SolvencyStable
LiquidityNot enough history
Same size nationallyDescriptive comparison – does not change the model score.
2957 peersSolvency58%
Better than 58% of peers
Profitability8%
Below 92% of peers
Revenue growth9%
Below 91% of peers
Supporting factors
- Strong equity ratio
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative profitability or net result
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB1
2026-10-1863/100 · v0.15
B1 → B1B1
2026-10-1663/100 · v0.14
Oldest retained automatic assessment in this comparisonB1
2026-10-18
open-risk-grade-v0.15
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 risklow
71/100
Industry context is low based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 36 years of registry continuity.
Registry and status signalsVakaa
77/100
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.
Registry timeline
Trade register notifications shown on a timeline.
14 register eventsLatest event: 2025-11-12
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
Seppo-Juhani Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.