Risk grade updatedRisk gradeEvidence verified
8 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Suomen Varainhoitopalvelut Oy
Suomen Varainhoitopalvelut Oy's registered office is Oulu. It is a limited company. The company was established on 2003-09-15. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-04-30, revenue was €1,201,181 and operating profit was -€16,702.
Business ID 1843888-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 1843888-7
- Sector
- Activities of insurance agents and brokers
- Municipality
- Oulu
- Company form
- Limited company
- Registration date
- 2003-09-15
- Business ID registration date
- 2003-08-05
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kirkkokatu 17 A 19, 90100, Oulu
Phone: +35885357700Source observation
Website: https://www.suomenvarainhoitopalvelut.fiSource observation
People and decision-makers
Nurmela Urpo JohannesPuheenjohtaja
Email: Email available for logged-in usersSource: company website
Karvosenoja Jukka IlmariVarsinainen jäsen
Email: Email available for logged-in usersSource: company website
Ojala Heikki TapaniVarajäsen
Email: Email available for logged-in usersSource: company website
Visa KiviharjuDecision-maker
Email: Email available for logged-in usersSource: company website
Petri NevalainenDecision-maker
Email: Email available for logged-in usersSource: company website
John NiemiDecision-maker
Email: Email available for logged-in usersSource: company website
Teemu PääkkönenDecision-maker
Email: Email available for logged-in usersSource: company website
Antti LaurilaDecision-maker
Email: Email available for logged-in usersSource: company website
Hannu KursuDecision-maker
Email: Email available for logged-in usersSource: company website
Laura BeylerDecision-maker
Email: Email available for logged-in usersSource: company website
Janne HarjulaDecision-maker
Email: Email available for logged-in usersSource: company website
Direct contact details available for logged-in usersSome person-level contact details are shown only to registered users. The data is based on public sources, such as the company's own website.Log in to view decision-maker contact details
About Suomen Varainhoitopalvelut Oy
Financial position and key figures for the company.
Suomen Varainhoitopalvelut Oy's location municipality is Oulu. It is a limited company. The company was established on 2003-09-15. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-04-30, revenue was €1,201,181 and operating profit was -€16,702. The latest retained financial statement for 2025-04-30 shows revenue of €1,201,181 and profit for the financial year of -€15,900. Based on the latest retained statement, revenue growth was +174.7%, operating margin was -1.4%, and equity ratio was +59.1%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-04-30
0
0
Enriched source observation
Derived indicators
Revenue growth174.7%
Operating margin-1.4%
Equity ratio59.1%
Revenue€1,201,181+€763,829 (+174.6%) vs previous periodPrevious: €437,352
Operating profit (loss)-€16,702+€10,831 (+39.3%) vs previous periodPrevious: -€27,533
Profit (loss) for the financial year-€15,900+€11,570 (+42.1%) vs previous periodPrevious: -€27,470
Assets€94,309+€20,011 (+26.9%) vs previous periodPrevious: €74,298
Balance-sheet contextLatest financial period
Profit before taxes-€15,900Previous: -€27,470
Employees10Previous: 3
Revenue trend5 periods
€379,743
2021-04-30
€177,794
2022-04-30
€214,448
2023-04-30
€437,352
2024-04-30
€1,201,181
2025-04-30
Operating profit (loss) trend5 periods
€61,417
2021-04-30
-€3,010
2022-04-30
€24,965
2023-04-30
-€27,533
2024-04-30
-€16,702
2025-04-30
Profit (loss) for the financial year trend5 periods
€60,710
2021-04-30
-€1,320
2022-04-30
€20,653
2023-04-30
-€27,470
2024-04-30
-€15,900
2025-04-30
Assets trend5 periods
€216,164
2021-04-30
€151,940
2022-04-30
€122,190
2023-04-30
€74,298
2024-04-30
€94,309
2025-04-30
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
74/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginWeak
47/100 · Improving
Ratio history
| Ratio | 2021-04-30 | 2022-04-30 | 2023-04-30 | 2024-04-30 | 2025-04-30 |
|---|---|---|---|---|---|
| Equity ratio | 38.1 % | 53.3 % | 83.2 % | 96.5 % | 59.1 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | 16.1 % | -1.7 % | 11.6 % | -6.3 % | -1.4 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID1843888-7
VAT IDFI18438887
EU IDFIFPRO.1843888-7
MunicipalityOulu
Current registered entries
2003-08-11Registered in Tax Administration (Tax Administration)
2003-08-19Registered in Tax Administration (Prepayment Register)
2003-09-15Registered in Patent and Registration Office (Trade Register)
2004-04-01Registered in Tax Administration (Employer Register)
2013-08-01VAT-liable for business activity in Tax Administration (VAT Register)
Responsible people
Public role relationships materialized from source observations.
Direct contact details available for logged-in users.
Harjula Janne-OlaviToimitusjohtajaSources: 5 · Confidence: 78%
Nurmela Urpo JohannesPuheenjohtajaSources: 5 · Confidence: 78%
Karvosenoja Jukka IlmariVarsinainen jäsenSources: 4 · Confidence: 78%
Ojala Heikki TapaniVarajäsenSources: 2 · Confidence: 78%
Salonen Timo JuhanaTilintarkastajaSources: 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
A3
GoodSuomen Varainhoitopalvelut Oy
Grade unchangedA3 · new analysis 2026-10-18
71/100
Medium
Usable financial evidenceFinancial data included
Financial development has been volatile across multiple domains.
4 comparable periodsRevenueImproving · 3 consecutive periods
ProfitabilityVolatile
SolvencyVolatile
LiquidityNot enough history
Same industryDescriptive comparison – does not change the model score.
397 peersSolvency39%
Below 61% of peers
Profitability16%
Below 84% of peers
Revenue growth94%
Better than 94% of peers
Supporting factors
- Strong equity ratio
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative profitability or net result
- Losses in the latest and previous available periods
- Material volatility across multiple financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA3
2026-10-1871/100 · v0.15
A3 → A3 · -1 points- Evidence quality: Strong financial evidence → Usable financial evidence.
A3
2026-10-0872/100 · v0.14
Oldest retained automatic assessment in this comparisonA3
2026-10-18
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 risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 23 years of registry continuity.
Registry and status signalsVakaa
83/100
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.
24 register eventsLatest event: 2025-12-09
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-03.
This company profile has not been claimed yet
Suomen Varainhoitopalvelut Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.