Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
Smart Financial Investments Oy
Smart Financial Investments Oy's registered office is Vanda. It is a limited company. The company was established on 2019-01-23. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2026-03-31, revenue was €172,849 and operating profit was €1,525.
Business ID 2958645-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2958645-5
- Sector
- Other activities auxiliary to financial services, except insurance and pension funding
- Municipality
- Vanda
- Company form
- Limited company
- Registration date
- 2019-01-23
- Business ID registration date
- 2018-12-13
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Ankeriaantie 23 B, 01480, Vanda
Phone: +358451336691Source observation
People and decision-makers
Nieminen Jesse PetteriPuheenjohtaja
Pylväläinen Jesse KaleviVarsinainen jäsen
About Smart Financial Investments Oy
Financial position and key figures for the company.
Smart Financial Investments Oy's location municipality is Vanda. It is a limited company. The company was established on 2019-01-23. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2026-03-31, revenue was €172,849 and operating profit was €1,525. The latest retained financial statement for 2026-03-31 shows revenue of €172,849 and profit for the financial year of €1,220. Based on the latest retained statement, revenue growth was +681.3%, operating margin was +0.9%, and equity ratio was +100.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2026-03-31
4
3
Combined source
Derived indicators
Revenue growth681.3%
Operating margin0.9%
Equity ratio100.0%
Balance-sheet contextLatest financial period
Other operating income€145Previous: €0
Inventory€39,812Previous: €80,143
Cash and bank€39,482Previous: €2,195
Retained earnings€0Previous: €45,545
Equity€80,570Previous: €83,398
Liabilities€18Previous: €145
Current assets€80,587Previous: €83,543
Current liabilities€18Previous: €145
Revenue trend8 periods
€202,000
2021-12-31
€894,000
2022-12-31
€220,000
2023-12-31
€220,261
2024-03-31
€22,100
2024-12-31
€22,124
2025-03-31
€173,000
2025-12-31
€172,849
2026-03-31
Operating profit (loss) trend8 periods
€46,000
2021-12-31
€86,000
2022-12-31
-€10,600
2023-12-31
-€10,609
2024-03-31
-€43,900
2024-12-31
-€43,883
2025-03-31
€2,000
2025-12-31
€1,525
2026-03-31
Profit (loss) for the financial year trend8 periods
€37,000
2021-12-31
€68,400
2022-12-31
-€10,900
2023-12-31
-€10,937
2024-03-31
-€43,800
2024-12-31
-€43,758
2025-03-31
€1,000
2025-12-31
€1,220
2026-03-31
Assets trend8 periods
€92,000
2021-12-31
€210,000
2022-12-31
€144,000
2023-12-31
€144,012
2024-03-31
€83,500
2024-12-31
€83,543
2025-03-31
€80,000
2025-12-31
€80,587
2026-03-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioGood
100/100 · Declining
Current ratioGood
100/100 · Improving
Operating profit marginPassable
52/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-03-31 | 2024-12-31 | 2025-03-31 | 2025-12-31 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Equity ratio | 69.9 % | 82.6 % | 99.9 % | 99.9 % | 99.8 % | 99.8 % | 100.0 % | 100.0 % |
| Current ratio | 0.04x | 0.11x | 64.90x | 944.64x | 23.40x | 567.30x | 0.00x | 4429.85x |
| Operating profit margin | 22.8 % | 9.6 % | -4.8 % | -4.8 % | -198.0 % | -198.3 % | 1.2 % | 0.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2958645-5
EU IDFIFPRO.2958645-5
MunicipalityVanda
Current registered entries
2019-01-23Registered in Tax Administration (Tax Administration)
2019-01-23Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Nieminen Jesse PetteriPuheenjohtajaSources: 1 · Confidence: 78%
Pylväläinen Jesse KaleviVarsinainen jäsenSources: 1 · 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
A2
Very goodSmart Financial Investments Oy
Grade unchangedA2 · new analysis 2026-10-18
80/100
High
Strong financial evidenceFinancial data included
Financial development has been volatile across multiple domains.
3 comparable periodsRevenueVolatile
ProfitabilityVolatile
SolvencyStable
LiquidityVolatile
Same industry, size and age groupDescriptive comparison – does not change the model score.
64 peersSolvency97%
Better than 97% of peers
Profitability22%
Below 78% of peers
Liquidity98%
Better than 98% of peers
Revenue growth100%
Better than 100% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings133 days after period end
222 days after period end
4 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Active registered status
Risk factors to note
- Material volatility across multiple financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA2
2026-10-1880/100 · v0.15
A2 → A2A2
2026-10-03 15:5180/100 · v0.14
B1 → A2 · +14 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-03-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1566/100 · v0.14
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
2026-09-1461/100 · v0.12
Oldest retained automatic assessment in this comparisonA2
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 riskvery low
88/100
Industry context is very 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
57/100
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
3 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A2.Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
14 register eventsLatest event: 2025-11-28
Financial statements availability
Available financial statement periods and PRH source filings.
4 financial statement periodsLatest financial period: 2026-03-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-02-03.
This company profile has not been claimed yet
Smart Financial Investments Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.