Risk grade updatedRisk gradeEvidence verified
20 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
ST Capital & Investments Oy
ST Capital & Investments Oy's registered office is Vaasa. It is a limited company. The company was established on 2023-12-18. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €118,108 and operating profit was €56,244.
Business ID 3409812-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3409812-2
- Sector
- Activities of insurance agents and brokers
- Municipality
- Vaasa
- Company form
- Limited company
- Registration date
- 2023-12-18
- Business ID registration date
- 2023-12-01
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kirkkopuistikko 3 A 26, 65100, Vaasa
People and decision-makers
Torsti Saska VictorToimitusjohtaja
About ST Capital & Investments Oy
Financial position and key figures for the company.
ST Capital & Investments Oy's location municipality is Vaasa. It is a limited company. The company was established on 2023-12-18. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €118,108 and operating profit was €56,244. The latest retained financial statement for 2025-12-31 shows revenue of €118,108 and profit for the financial year of €44,638. Based on the latest retained statement, revenue growth was +51.7%, operating margin was +47.6%, and equity ratio was not currently available.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth51.7%
Operating margin47.6%
Revenue€118,108+€40,267 (+51.7%) vs previous periodPrevious: €77,841
Operating profit (loss)€56,244+€19,587 (+53.4%) vs previous periodPrevious: €36,658
Profit (loss) for the financial year€44,638+€15,313 (+52.2%) vs previous periodPrevious: €29,325
Balance-sheet contextLatest financial period
Employees1Previous: 1
Revenue trend2 periods
€77,841
2024-12-31
€118,108
2025-12-31
Operating profit (loss) trend2 periods
€36,658
2024-12-31
€56,244
2025-12-31
Profit (loss) for the financial year trend2 periods
€29,325
2024-12-31
€44,638
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioNot assessable
0/100 · Trend unavailable
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | - | - |
| Current ratio | - | - |
| Operating profit margin | 47.1 % | 47.6 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3409812-2
EU IDFIFPRO.3409812-2
MunicipalityVaasa
Current registered entries
2023-12-01Registered in Tax Administration (Prepayment Register)
2023-12-18Registered in Tax Administration (Tax Administration)
2023-12-18Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Torsti Saska VictorToimitusjohtajaSources: 5 · Confidence: 78%
Torsti Saska VictorVarsinainen jäsenSources: 2 · Confidence: 78%
Torsti Satu KaarinaVarajäsenSources: 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
B2
SatisfactoryST Capital & Investments Oy
Grade unchangedB2 · new analysis 2026-10-20
52/100
Medium
Limited financial evidenceRegistry and statistics based
Financial development is mostly stable or mixed.
2 comparable periodsRevenueImproving
ProfitabilityStable
SolvencyNot enough history
LiquidityNot enough history
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
- Lower industry distress context
Risk factors to note
- Sufficient structured financial metrics are not available
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB2
2026-10-2052/100 · v0.15
B2 → B2B2
2026-10-1252/100 · v0.14
Oldest retained automatic assessment in this comparisonB2
2026-10-20
open-risk-grade-v0.15
The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 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 risklow
77/100
Industry context is 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
39/100
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
12 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
4 register eventsLatest event: 2026-02-04
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
ST Capital & Investments Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.