Risk grade updatedRisk gradeEvidence verified
19 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
Suomen valuutta- ja maksupalvelu Oy
Suomen valuutta- ja maksupalvelu Oy's registered office is Hirvihaara. It is a limited company. The company was established on 2003-12-22. It operates in the industry of security and commodity contracts brokerage. In its latest retained statement for 2025-12-31, revenue was €57,622 and operating profit was -€35,017.
Business ID 1867999-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 1867999-8
- Sector
- Security and commodity contracts brokerage
- Municipality
- Hirvihaara
- Company form
- Limited company
- Registration date
- 2003-12-22
- Business ID registration date
- 2003-12-05
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kartanonlenkki 56, 04680, Hirvihaara
Phone: +35853576281Source observation
Email: [email protected]Source observation
Website: https://www.valuutanvaihto.fiSource observation
People and decision-makers
Hakala Arto KalervoToimitusjohtaja
About Suomen valuutta- ja maksupalvelu Oy
Financial position and key figures for the company.
Suomen valuutta- ja maksupalvelu Oy's location municipality is Hirvihaara. It is a limited company. The company was established on 2003-12-22. It operates in the industry of security and commodity contracts brokerage. In its latest retained statement for 2025-12-31, revenue was €57,622 and operating profit was -€35,017. The latest retained financial statement for 2025-12-31 shows revenue of €57,622 and profit for the financial year of -€39,609. Based on the latest retained statement, revenue growth was -15.9%, operating margin was -60.8%, and equity ratio was +31.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth-15.9%
Operating margin-60.8%
Equity ratio31.9%
Revenue€57,622-€10,862 (-15.9%) vs previous periodPrevious: €68,484
Operating profit (loss)-€35,017-€47,879 (-372.2%) vs previous periodPrevious: €12,862
Profit (loss) for the financial year-€39,609-€49,998 (-481.3%) vs previous periodPrevious: €10,389
Assets€41,360-€42,366 (-50.6%) vs previous periodPrevious: €83,726
Balance-sheet contextLatest financial period
Profit before taxes-€37,220Previous: €12,744
Employees1Previous: 1
Revenue trend5 periods
€58,001
2021-12-31
€66,129
2022-12-31
€64,183
2023-12-31
€68,484
2024-12-31
€57,622
2025-12-31
Operating profit (loss) trend5 periods
€7,073
2021-12-31
€12,431
2022-12-31
€12,091
2023-12-31
€12,862
2024-12-31
-€35,017
2025-12-31
Profit (loss) for the financial year trend5 periods
€6,530
2021-12-31
€12,165
2022-12-31
€10,839
2023-12-31
€10,389
2024-12-31
-€39,609
2025-12-31
Assets trend5 periods
€58,736
2021-12-31
€67,291
2022-12-31
€75,949
2023-12-31
€83,726
2024-12-31
€41,360
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioSatisfactory
40/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginWeak
0/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 53.8 % | 65.0 % | 67.3 % | 68.6 % | 31.9 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | 11.5 % | 18.8 % | 18.8 % | 18.8 % | -60.8 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID1867999-8
VAT IDFI18679998
EU IDFIFPRO.1867999-8
MunicipalityHirvihaara
Current registered entries
2003-11-11VAT-liable for business activity in Tax Administration (VAT Register)
2003-12-05Registered in Tax Administration (Prepayment Register)
2003-12-09Registered in Tax Administration (Tax Administration)
2003-12-22Registered in Patent and Registration Office (Trade Register)
2006-01-01Registered in Tax Administration (Employer Register)
Responsible people
Public role relationships materialized from source observations.
Hakala Arto KalervoToimitusjohtajaSources: 5 · Confidence: 78%
Hakala Arto KalervoVarsinainen jäsenSources: 2 · Confidence: 78%
Hakala Monika HelleviVarajäsenSources: 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
SatisfactorySuomen valuutta- ja maksupalvelu Oy
Grade unchangedB2 · new analysis 2026-10-19
54/100
Medium
Usable financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
4 comparable periodsLiquidityNot enough history
Same size nationallyDescriptive comparison – does not change the model score.
717 peersSolvency39%
Below 61% of peers
Profitability14%
Below 86% of peers
Revenue growth30%
Below 70% of peers
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative profitability or net result
- Coordinated deterioration across 3 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
3 assessmentsB2
2026-10-1954/100 · v0.15
B2 → B2- Evidence quality: Strong financial evidence → Usable financial evidence.
B2
2026-09-1554/100 · v0.14
B2 → B2 · -5 points- Revenue: Deteriorating
- Profitability: Deteriorating
- Solvency: Deteriorating
B2
2026-09-1459/100 · v0.12
Oldest retained automatic assessment in this comparisonB2
2026-10-19
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 continuityVakiintunut
80/100
The company has about 22 years of registry continuity.
Registry and status signalsVakaa
84/100
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
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
18 register eventsLatest event: 2026-05-20
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
Suomen valuutta- ja maksupalvelu Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.