Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Studio Terho Oy
Studio Terho Oy's registered office is Vanda. It is a limited company. The company was established on 2015-03-10. It operates in the industry of photographic activities. In its latest retained statement for 2026-02-28, revenue was €65,295 and operating profit was -€2,230.
Business ID 2679445-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2679445-1
- Sector
- Photographic activities
- Municipality
- Vanda
- Company form
- Limited company
- Registration date
- 2015-03-10
- Business ID registration date
- 2015-02-27
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Jousitie 1 1, 01280, Vanda
About Studio Terho Oy
Financial position and key figures for the company.
Studio Terho Oy's location municipality is Vanda. It is a limited company. The company was established on 2015-03-10. It operates in the industry of photographic activities. In its latest retained statement for 2026-02-28, revenue was €65,295 and operating profit was -€2,230. The latest retained financial statement for 2026-02-28 shows revenue of €65,295 and profit for the financial year of -€2,232. Based on the latest retained statement, revenue growth was -0.2%, operating margin was -3.4%, and equity ratio was +73.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2026-02-28
5
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-0.2%
Operating margin-3.4%
Equity ratio73.4%
Balance-sheet contextLatest financial period
Cash and bank€536Previous: €1,325
Retained earnings€8,178Previous: €8,129
Equity€8,446Previous: €11,607
Liabilities€3,061Previous: €3,468
Current assets€3,217Previous: €8,485
Current liabilities€3,061Previous: €3,468
Revenue trend2 periods
€65,401
2025-02-28
€65,295
2026-02-28
Operating profit (loss) trend2 periods
€1,017
2025-02-28
-€2,230
2026-02-28
Profit (loss) for the financial year trend2 periods
€978
2025-02-28
-€2,232
2026-02-28
Assets trend2 periods
€15,075
2025-02-28
€11,507
2026-02-28
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
92/100 · Declining
Current ratioWeak
6/100 · Declining
Operating profit marginWeak
41/100 · Declining
Ratio history
| Ratio | 2025-02-28 | 2026-02-28 |
|---|---|---|
| Equity ratio | 77.0 % | 73.4 % |
| Current ratio | 0.38x | 0.17x |
| Operating profit margin | 1.6 % | -3.4 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2679445-1
VAT IDFI26794451
EU IDFIFPRO.2679445-1
MunicipalityVanda
Current registered entries
2015-03-31Registered in Tax Administration (Tax Administration)
2020-06-01VAT-liable for business activity in Tax Administration (VAT Register)
2020-10-01Registered in Tax Administration (Employer Register)
2022-05-31Registered in Patent and Registration Office (Trade Register)
2022-06-17Registered 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
A3
GoodStudio Terho Oy
Grade unchangedA3 · new analysis 2026-09-21
70/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueStable
SolvencyStable
LiquidityStable
National Tier 1 comparisonDescriptive comparison – does not change the model score.
214 peersSolvency69%
Better than 69% of peers
Profitability18%
Below 82% of peers
Liquidity40%
Below 60% of peers
Revenue growth28%
Below 72% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings88 days after period end
86 days after period end
4 consecutive periods
Supporting factors
- Strong equity ratio
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
- Weak current ratio
- Negative profitability or net result
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-09-21 06:4470/100 · v0.14
A3 → A3 · -5 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-02-28).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
A3
2026-09-1475/100 · v0.14
A3 → A3A3
2026-09-1475/100 · v0.13
B1 → A3 · +10 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
2026-09-1365/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
2026-09-21
open-risk-grade-v0.14
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
89/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 11 years of registry continuity.
Registry and status signalsVakaa
80/100
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.
17 register eventsLatest event: 2025-04-24
Financial statements availability
Available financial statement periods and PRH source filings.
5 financial statement periodsLatest financial period: 2026-02-28
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-04.
This company profile has not been claimed yet
Studio Terho Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.