Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Sivu Invest Oy
Sivu Invest Oy's registered office is Lempäälä. It is a limited company. The company was established on 2024-07-02. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c..
Business ID 3458220-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3458220-5
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Lempäälä
- Company form
- Limited company
- Registration date
- 2024-07-02
- Business ID registration date
- 2024-06-20
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Rajapolku 2, 33880, Lempäälä
About Sivu Invest Oy
Financial position and key figures for the company.
Sivu Invest Oy's location municipality is Lempäälä. It is a limited company. The company was established on 2024-07-02. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +95.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
2
2
PRH/XBRL financial statement
Derived indicators
Equity ratio95.4%
Balance-sheet contextLatest financial period
Cash and bank€9,074Previous: €199
Retained earnings-€714Previous: €0
Equity€61,754Previous: €53,129
Liabilities€2,972Previous: €1,722
Current assets€10,074Previous: €199
Current liabilities€2,972Previous: €1,722
Operating profit (loss) trend2 periods
-€714
2024-12-31
-€1,375
2025-12-31
Profit (loss) for the financial year trend2 periods
-€714
2024-12-31
€18,625
2025-12-31
Assets trend2 periods
€54,851
2024-12-31
€64,726
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Declining
Current ratioGood
100/100 · Improving
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 96.9 % | 95.4 % |
| Current ratio | 0.12x | 3.05x |
| Operating profit margin | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3458220-5
EU IDFIFPRO.3458220-5
MunicipalityLempäälä
Current registered entries
2024-07-02Registered in Tax Administration (Tax Administration)
2024-07-02Registered 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
GoodSivu Invest Oy
Grade unchangedA3 · new analysis 2026-10-17
71/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
2 comparable periodsRevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
LiquidityImproving
Same industry, size and age groupDescriptive comparison – does not change the model score.
59 peersSolvency53%
Close to the peer-group midpoint
Liquidity69%
Better than 69% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings114 days after period end
107 days after period end
2 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1771/100 · v0.15
A3 → A3A3
2026-09-24 00:3771/100 · v0.14
B2 → A3 · +16 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B2
2026-09-1555/100 · v0.14
B2 → B2 · -1 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
2026-09-1456/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
2026-10-17
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 riskvery low
89/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityNuori
15/100
The company has about 2 years of registry continuity.
Registry and status signalsRajallinen
35/100
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
24 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → A3.Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
8 register eventsLatest event: 2026-04-24
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
Sivu Invest Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.