Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
SPJ Holding Corporation Oy
SPJ Holding Corporation Oy's registered office is Nokia. It is a limited company. The company was established on 2014-01-20. It operates in the industry of rental and leasing of cars and light motor vehicles. In its latest retained statement for 2025-09-30, revenue was €4,328 and operating profit was -€24,717.
Business ID 2594846-3ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2594846-3
- Sector
- Rental and leasing of cars and light motor vehicles
- Municipality
- Nokia
- Company form
- Limited company
- Registration date
- 2014-01-20
- Business ID registration date
- 2014-01-08
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kyyninkatu 14 A 17, 37100, Nokia
About SPJ Holding Corporation Oy
Financial position and key figures for the company.
SPJ Holding Corporation Oy's location municipality is Nokia. It is a limited company. The company was established on 2014-01-20. It operates in the industry of rental and leasing of cars and light motor vehicles. In its latest retained statement for 2025-09-30, revenue was €4,328 and operating profit was -€24,717. The latest retained financial statement for 2025-09-30 shows revenue of €4,328 and profit for the financial year of €35,567. Based on the latest retained statement, revenue growth was -83.5%, operating margin was -571.1%, and equity ratio was +79.1%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-09-30
4
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-83.5%
Operating margin-571.1%
Equity ratio79.1%
Balance-sheet contextLatest financial period
Cash and bank€88,266Previous: €48
Retained earnings€114,242Previous: €102,223
Equity€152,809Previous: €117,242
Liabilities€40,269Previous: €38,487
Current assets€143,725Previous: €35,021
Current liabilities€40,269Previous: €38,487
Revenue trend2 periods
€26,227
2024-09-30
€4,328
2025-09-30
Operating profit (loss) trend2 periods
-€1,770
2024-09-30
-€24,717
2025-09-30
Profit (loss) for the financial year trend2 periods
€12,019
2024-09-30
€35,567
2025-09-30
Assets trend2 periods
€155,729
2024-09-30
€193,078
2025-09-30
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
99/100 · Improving
Current ratioGood
73/100 · Improving
Operating profit marginWeak
0/100 · Declining
Ratio history
| Ratio | 2024-09-30 | 2025-09-30 |
|---|---|---|
| Equity ratio | 75.3 % | 79.1 % |
| Current ratio | 0.00x | 2.19x |
| Operating profit margin | -6.8 % | -571.1 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2594846-3
VAT IDFI25948463
EU IDFIFPRO.2594846-3
MunicipalityNokia
Current registered entries
2014-01-20Registered in Tax Administration (Tax Administration)
2014-01-20Registered in Patent and Registration Office (Trade Register)
2016-02-23VAT-liable for business activity in Tax Administration (VAT Register)
2016-02-23Registered in Tax Administration (Prepayment 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
B2
SatisfactorySPJ Holding Corporation Oy
Grade unchangedB2 · new analysis 2026-10-17
59/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
3 comparable periodsSolvencyStable
LiquidityImproving
Same size nationallyDescriptive comparison – does not change the model score.
3561 peersSolvency68%
Better than 68% of peers
Profitability3%
Below 97% of peers
Liquidity77%
Better than 77% of peers
Revenue growth9%
Below 91% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings116 days after period end
116 days after period end
3 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
- Negative profitability or net result
- Sharp year-over-year revenue drop
- Coordinated deterioration across 2 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB2
2026-10-1759/100 · v0.15
B2 → B2B2
2026-09-20 12:4059/100 · v0.14
B1 → B2 · -1 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-09-30).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1460/100 · v0.14
B1 → B1B1
2026-09-1460/100 · v0.13
Oldest retained automatic assessment in this comparisonB2
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 riskhigh
30/100
Industry context is high based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 12 years of registry continuity.
Registry and status signalsVakaa
82/100
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
20 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
17 register eventsLatest event: 2026-01-24
Financial statements availability
Available financial statement periods and PRH source filings.
4 financial statement periodsLatest financial period: 2025-09-30
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
SPJ Holding Corporation Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.