Risk grade updatedRisk gradeEvidence verified
20 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A2.Business profile
Silander Services Oy
Silander Services Oy's registered office is Borgå. It is a limited company. The company was established on 2022-11-23. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €248,734 and operating profit was €152,186.
Business ID 3325939-3ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3325939-3
- Sector
- Activities of insurance agents and brokers
- Municipality
- Borgå
- Company form
- Limited company
- Registration date
- 2022-11-23
- Business ID registration date
- 2022-11-17
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Suunnistajankuja 7, 06100, Borgå
About Silander Services Oy
Financial position and key figures for the company.
Silander Services Oy's location municipality is Borgå. It is a limited company. The company was established on 2022-11-23. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €248,734 and operating profit was €152,186. The latest retained financial statement for 2025-12-31 shows revenue of €248,734 and profit for the financial year of €121,016. Based on the latest retained statement, revenue growth was -13.5%, operating margin was +61.2%, and equity ratio was +91.3%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-13.5%
Operating margin61.2%
Equity ratio91.3%
Balance-sheet contextLatest financial period
Other operating income€3,445Previous: €0
Cash and bank€64,509Previous: €152,119
Retained earnings€252,698Previous: €129,144
Equity€373,714Previous: €274,598
Liabilities€35,550Previous: €39,089
Current assets€67,338Previous: €152,305
Current liabilities€35,550Previous: €39,089
Revenue trend2 periods
€268,467
2023-12-31
€248,734
2025-12-31
Operating profit (loss) trend2 periods
€176,166
2023-12-31
€152,186
2025-12-31
Profit (loss) for the financial year trend2 periods
€140,344
2023-12-31
€121,016
2025-12-31
Assets trend2 periods
€179,599
2023-12-31
€409,264
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Improving
Current ratioSatisfactory
60/100 · Declining
Operating profit marginGood
100/100 · Declining
Ratio history
| Ratio | 2023-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 78.1 % | 91.3 % |
| Current ratio | 4.39x | 1.81x |
| Operating profit margin | 65.6 % | 60.4 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3325939-3
EU IDFIFPRO.3325939-3
MunicipalityBorgå
Current registered entries
2022-11-17Registered in Tax Administration (Prepayment Register)
2022-11-23Registered in Tax Administration (Tax Administration)
2022-11-23Registered 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 goodSilander Services Oy
Grade upgradedB1 → A2 · new analysis 2026-09-20
82/100
High
Strong financial evidenceFinancial data included
Same size nationallyDescriptive comparison – does not change the model score.
431 peersSolvency88%
Better than 88% of peers
Profitability95%
Better than 95% of peers
Liquidity72%
Better than 72% of peers
Revenue growth22%
Below 78% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings66 days after period end
101 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Healthy short-term liquidity
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA2
2026-09-20 01:1082/100 · v0.14
B1 → A2 · +20 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
2026-09-1462/100 · v0.14
B1 → B1B1
2026-09-1462/100 · v0.13
B2 → B1 · +3 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
2026-09-1359/100 · v0.12
Oldest retained automatic assessment in this comparisonA2
2026-09-20
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 continuityNuori
35/100
The company has about 3 years of registry continuity.
Registry and status signalsSeurattava
68/100
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.
13 register eventsLatest event: 2026-03-18
Financial statements availability
Available financial statement periods and PRH source filings.
2 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
Silander Services Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.