Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
T.M. Palojoki Oy
T.M. Palojoki Oy's registered office is Grankulla. It is a limited company. The company was established on 1971-12-10. It operates in the industry of buying and selling of own real estate. In its latest retained statement for 2025-12-31, revenue was €56,105 and operating profit was -€11,129.
Business ID 0195802-6ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0195802-6
- Sector
- Buying and selling of own real estate
- Municipality
- Grankulla
- Company form
- Limited company
- Registration date
- 1971-12-10
- Business ID registration date
- 1978-06-16
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Maisterintie 17, 02700, Grankulla
About T.M. Palojoki Oy
Financial position and key figures for the company.
T.M. Palojoki Oy's location municipality is Grankulla. It is a limited company. The company was established on 1971-12-10. It operates in the industry of buying and selling of own real estate. In its latest retained statement for 2025-12-31, revenue was €56,105 and operating profit was -€11,129. The latest retained financial statement for 2025-12-31 shows revenue of €56,105 and profit for the financial year of €605,475. Based on the latest retained statement, revenue growth was -33.2%, operating margin was -19.8%, and equity ratio was +83.7%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-33.2%
Operating margin-19.8%
Equity ratio83.7%
Balance-sheet contextLatest financial period
Cash and bank€412,629Previous: €63,302
Advances received€1,135Previous: €0
Retained earnings€252,966Previous: €242,665
Equity€1,262,093Previous: €713,714
Liabilities€245,854Previous: €177,972
Current assets€426,409Previous: €75,154
Current liabilities€33,615Previous: €42,444
Revenue trend2 periods
€83,931
2024-12-31
€56,105
2025-12-31
Operating profit (loss) trend2 periods
€1,942
2024-12-31
-€11,129
2025-12-31
Profit (loss) for the financial year trend2 periods
€67,399
2024-12-31
€605,475
2025-12-31
Assets trend2 periods
€891,686
2024-12-31
€1,507,947
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Improving
Current ratioGood
100/100 · Improving
Operating profit marginWeak
0/100 · Declining
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 80.0 % | 83.8 % |
| Current ratio | 1.49x | 12.28x |
| Operating profit margin | 2.3 % | -19.8 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0195802-6
VAT IDFI01958026
EU IDFIFPRO.0195802-6
MunicipalityGrankulla
Current registered entries
1971-12-10Registered in Patent and Registration Office (Trade Register)
1978-06-16Registered in Tax Administration (Tax Administration)
1995-03-01Registered in Tax Administration (Prepayment Register)
2024-04-17VAT-liable for business activity in Tax Administration (VAT 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
B1
StableT.M. Palojoki Oy
Grade unchangedB1 · new analysis 2026-10-18
64/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
2 comparable periodsSolvencyStable
LiquidityImproving
Same industry, size and age groupDescriptive comparison – does not change the model score.
60 peersSolvency63%
Better than 63% of peers
Profitability15%
Below 85% of peers
Liquidity87%
Better than 87% of peers
Revenue growth22%
Below 78% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings175 days after period end
165 days after period end
2 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 assessmentsB1
2026-10-1864/100 · v0.15
B1 → B1B1
2026-09-29 08:2164/100 · v0.14
B1 → B1 · -5 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1569/100 · v0.14
B1 → B1 · +8 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
2026-09-1461/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
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 riskmedium
53/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityVakiintunut
97/100
The company has about 54 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.
Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
31 register eventsLatest event: 2026-09-19
Financial statements availability
Available financial statement periods and PRH source filings.
2 financial statement periodsLatest financial period: 2025-12-31
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
T.M. Palojoki Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.