Risk grade updatedRisk gradeEvidence verified
23 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
SJ Holding Oy
SJ Holding Oy's registered office is Oulu. It is a limited company. The company was established on 2019-10-23. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €100,928 and operating profit was €467,140.
Business ID 3094447-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3094447-5
- Sector
- Business and other management consultancy activities
- Municipality
- Oulu
- Company form
- Limited company
- Registration date
- 2019-10-23
- Business ID registration date
- 2019-10-21
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Rastaansiipi 20, 90650, Oulu
Phone: +358505769594Source observation
Website: https://ponylex.fiSource observation
Facebook profile: https://www.facebook.com/PonyLex-105326871908930Source: company website
Instagram profile: https://www.instagram.com/stableponylexSource: company website
People and decision-makers
Kojola Sanna KaisaPuheenjohtaja
Kojola Jukka HeikkiVarsinainen jäsen
Kojola Jesper MatiasVarajäsen
About SJ Holding Oy
Financial position and key figures for the company.
SJ Holding Oy's location municipality is Oulu. It is a limited company. The company was established on 2019-10-23. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €100,928 and operating profit was €467,140. The latest retained financial statement for 2025-12-31 shows revenue of €100,928 and profit for the financial year of €377,378. Based on the latest retained statement, revenue growth was -2.5%, operating margin was +67.9%, and equity ratio was +98.8%.
Auxiliary business names
Public alternate names materialized from source observations.
KojolawPonyLex
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth-2.5%
Operating margin67.9%
Equity ratio98.8%
Revenue€100,928-€2,566 (-2.5%) vs previous periodPrevious: €103,494
Operating profit (loss)€467,140+€9,547 (+2.1%) vs previous periodPrevious: €457,594
Profit (loss) for the financial year€377,378+€10,159 (+2.8%) vs previous periodPrevious: €367,219
Assets€1,411,616+€196,045 (+16.1%) vs previous periodPrevious: €1,215,571
Balance-sheet contextLatest financial period
Profit before taxes€472,406Previous: €460,283
Employees1Previous: 1
Revenue trend5 periods
€118,991
2021-12-31
€135,274
2022-12-31
€141,245
2023-12-31
€103,494
2024-12-31
€100,928
2025-12-31
Operating profit (loss) trend5 periods
-€942
2021-12-31
€927,753
2022-12-31
-€7,946
2023-12-31
€457,594
2024-12-31
€467,140
2025-12-31
Profit (loss) for the financial year trend5 periods
€135,295
2021-12-31
€739,471
2022-12-31
-€7,652
2023-12-31
€367,219
2024-12-31
€377,378
2025-12-31
Assets trend5 periods
€312,367
2021-12-31
€1,080,864
2022-12-31
€816,873
2023-12-31
€1,215,571
2024-12-31
€1,411,616
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 50.2 % | 81.6 % | 98.4 % | 91.0 % | 98.8 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | -0.8 % | 83.8 % | -3.4 % | 71.5 % | 67.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3094447-5
VAT IDFI30944475
EU IDFIFPRO.3094447-5
MunicipalityOulu
Current registered entries
2019-10-01VAT-liable for business activity in Tax Administration (VAT Register)
2019-10-21Registered in Tax Administration (Prepayment Register)
2019-10-23Registered in Tax Administration (Tax Administration)
2019-10-23Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Kojola Sanna KaisaPuheenjohtajaSources: 5 · Confidence: 78%
Kojola Jukka HeikkiVarsinainen jäsenSources: 4 · Confidence: 78%
Kojola Jesper MatiasVarajäsenSources: 2 · Confidence: 78%
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
GoodSJ Holding Oy
Grade downgradedA2 → A3 · new analysis 2026-10-18
79/100
Medium
Usable financial evidenceFinancial data included
Financial development has been volatile across multiple domains.
4 comparable periodsProfitabilityVolatile
SolvencyVolatile
LiquidityNot enough history
Same industry, size and age groupDescriptive comparison – does not change the model score.
42 peersSolvency95%
Better than 95% of peers
Profitability93%
Better than 93% of peers
Revenue growth38%
Below 62% of peers
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Material volatility across multiple financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA3
2026-10-1879/100 · v0.15
A2 → A3 · -1 points- Evidence quality: Strong financial evidence → Usable financial evidence.
A2
2026-09-2380/100 · v0.14
Oldest retained automatic assessment in this comparisonA3
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
72/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 6 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.
Registry timeline
Trade register notifications shown on a timeline.
10 register eventsLatest event: 2026-04-03
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
SJ Holding Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.