Business profile

SMPL Capital Oy

SMPL Capital Oy's registered office is Oulu. It is a limited company. The company was established on 2023-09-07. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €131,478 and operating profit was €16,782.

Claim profileContact details
Business ID 3385692-1ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3385692-1
Sector
Other financial service activities, except insurance and pension funding n.e.c.
Municipality
Oulu
Company form
Limited company
Registration date
2023-09-07
Business ID registration date
2023-08-26
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Saarelankankaantie 57 A 1, 90650, Oulu

Website: https://www.auroralevi.fiSource observation

About SMPL Capital Oy

Financial position and key figures for the company.

SMPL Capital Oy's location municipality is Oulu. It is a limited company. The company was established on 2023-09-07. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €131,478 and operating profit was €16,782. The latest retained financial statement for 2025-12-31 shows revenue of €131,478 and profit for the financial year of €6,637. Based on the latest retained statement, revenue growth was +101.1%, operating margin was +12.8%, and equity ratio was +59.7%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods2
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth101.1%
Operating margin12.8%
Equity ratio59.7%
Revenue€131,478+€66,092 (+101.1%) vs previous periodPrevious: €65,385
Operating profit (loss)€16,782+€2,229 (+15.3%) vs previous periodPrevious: €14,553
Profit (loss) for the financial year€6,637-€4,763 (-41.8%) vs previous periodPrevious: €11,400
Assets€862,442+€419,260 (+94.6%) vs previous periodPrevious: €443,182
Balance-sheet contextLatest financial period
Cash and bank€132,276Previous: €24,750
Retained earnings€4,171Previous: €0
Equity€514,726Previous: €366,400
Liabilities€347,716Previous: €76,782
Current assets€170,917Previous: €36,170
Current liabilities€31,507Previous: €19,031
Revenue trend2 periods
€65,385
2024-12-31
€131,478
2025-12-31
Operating profit (loss) trend2 periods
€14,553
2024-12-31
€16,782
2025-12-31
Profit (loss) for the financial year trend2 periods
€11,400
2024-12-31
€6,637
2025-12-31
Assets trend2 periods
€443,182
2024-12-31
€862,442
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioGood
75/100 · Declining
59.7 %2024-12-31: 82.7 %
Current ratioGood
100/100 · Improving
4.20x2024-12-31: 1.30x
Operating profit marginGood
82/100 · Declining
12.8 %2024-12-31: 22.3 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio82.7 %59.7 %
Current ratio1.30x4.20x
Operating profit margin22.3 %12.8 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3385692-1
VAT IDFI33856921
EU IDFIFPRO.3385692-1
MunicipalityOulu
Current registered entries
2023-08-26VAT-liable for business activity in Tax Administration (VAT Register)
2023-08-26Registered in Tax Administration (Prepayment Register)
2023-09-07Registered in Tax Administration (Tax Administration)
2023-09-07Registered 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
GoodSMPL Capital Oy
Grade unchangedA3 · new analysis 2026-10-17
Model score77/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
2 comparable periods
RevenueImproving
ProfitabilityDeteriorating
SolvencyDeteriorating
LiquidityImproving
Peer comparisonSame industry and sizeDescriptive comparison – does not change the model score.
48 peers
Solvency46%
Close to the peer-group midpoint
Profitability56%
Better than 56% of peers
Liquidity60%
Better than 60% of peers
Revenue growth85%
Better than 85% of peers
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings
Latest registration lag42 days after period end
Typical registration lag47 days after period end
Annual continuity2 consecutive periods
Supporting factors
  • Strong equity ratio
  • Strong operating profitability
  • Healthy short-term liquidity
Risk factors to note
  • Coordinated deterioration across 2 financial domains
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
A3
2026-10-1777/100 · v0.15
A3 → A3
A3
2026-09-18 11:4477/100 · v0.14
B1 → A3 · +17 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
2026-09-1460/100 · v0.14
B1 → B1
B1
2026-09-1460/100 · v0.13
Oldest retained automatic assessment in this comparison
Automatic model gradeA3
Automatic model snapshot2026-10-17
Automatic model versionopen-risk-grade-v0.15
Financial data included

The grade can use open digital financial statement data together with registry signals.

Verify assessment

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
35/100

The company has about 3 years of registry continuity.

Registry and status signalsRajallinen
44/100

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
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.
Risk grade updatedRisk gradeEvidence verified
18 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.

Registry timeline

Trade register notifications shown on a timeline.

6 register eventsLatest event: 2026-02-11

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

SMPL Capital Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.