Risk grade updatedRisk gradeEvidence verified
18 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.Business profile
Seppo Löppönen Oy
Seppo Löppönen Oy's registered office is Muhos. It is a limited company. The company was established on 2018-10-26. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €79,474 and operating profit was €2,138.
Business ID 2943749-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2943749-2
- Sector
- Activities of insurance agents and brokers
- Municipality
- Muhos
- Company form
- Limited company
- Registration date
- 2018-10-26
- Business ID registration date
- 2018-10-03
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Nuottatie 25 C, 91500, Muhos
About Seppo Löppönen Oy
Financial position and key figures for the company.
Seppo Löppönen Oy's location municipality is Muhos. It is a limited company. The company was established on 2018-10-26. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €79,474 and operating profit was €2,138. The latest retained financial statement for 2025-12-31 shows revenue of €79,474 and profit for the financial year of €1,711. Based on the latest retained statement, revenue growth was +3.9%, operating margin was +2.7%, and equity ratio was +61.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
5
2
PRH/XBRL financial statement
Derived indicators
Revenue growth3.9%
Operating margin2.7%
Equity ratio61.9%
Balance-sheet contextLatest financial period
Cash and bank€10,819Previous: €6,723
Retained earnings€8,094Previous: €17,859
Equity€12,305Previous: €11,514
Liabilities€7,580Previous: €438
Current assets€19,885Previous: €11,952
Current liabilities€7,580Previous: €438
Revenue trend2 periods
€76,480
2024-12-31
€79,474
2025-12-31
Operating profit (loss) trend2 periods
-€10,420
2024-12-31
€2,138
2025-12-31
Profit (loss) for the financial year trend2 periods
-€8,845
2024-12-31
€1,711
2025-12-31
Assets trend2 periods
€11,952
2024-12-31
€19,885
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
77/100 · Declining
Current ratioSatisfactory
48/100 · Declining
Operating profit marginPassable
57/100 · Improving
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 96.3 % | 61.9 % |
| Current ratio | 15.36x | 1.43x |
| Operating profit margin | -13.6 % | 2.7 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2943749-2
EU IDFIFPRO.2943749-2
MunicipalityMuhos
Current registered entries
2018-10-03Registered in Tax Administration (Prepayment Register)
2018-10-26Registered in Tax Administration (Tax Administration)
2018-10-26Registered in Patent and Registration Office (Trade Register)
2018-11-01Registered in Tax Administration (Employer 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
GoodSeppo Löppönen Oy
Grade upgradedB1 → A3 · new analysis 2026-09-18
74/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
3 comparable periodsRevenueStable
ProfitabilityImproving
Same size nationallyDescriptive comparison – does not change the model score.
117 peersSolvency58%
Better than 58% of peers
Profitability49%
Close to the peer-group midpoint
Liquidity78%
Better than 78% of peers
Revenue growth79%
Better than 79% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings176 days after period end
179 days after period end
4 consecutive periods
Supporting factors
- Strong equity ratio
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
- Coordinated deterioration across 2 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-09-18 08:2174/100 · v0.14
B1 → A3 · +9 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
2026-09-1465/100 · v0.14
B1 → B1B1
2026-09-1465/100 · v0.13
B1 → 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.
B1
2026-09-1360/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
2026-09-18
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 risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 7 years of registry continuity.
Registry and status signalsSeurattava
63/100
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
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
11 register eventsLatest event: 2025-06-21
Financial statements availability
Available financial statement periods and PRH source filings.
5 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
Seppo Löppönen Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.