Business profile

T. Ronkainen Oy

T. Ronkainen Oy's registered office is Kuusamo. It is a limited company. The company was established on 2022-09-26. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €83,763 and operating profit was €4,773.

Claim profileContact details
Business ID 3310818-1ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3310818-1
Sector
Activities of insurance agents and brokers
Municipality
Kuusamo
Company form
Limited company
Registration date
2022-09-26
Business ID registration date
2022-09-09
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Rinkkapolku 1, 93600, Kuusamo

About T. Ronkainen Oy

Financial position and key figures for the company.

T. Ronkainen Oy's location municipality is Kuusamo. It is a limited company. The company was established on 2022-09-26. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €83,763 and operating profit was €4,773. The latest retained financial statement for 2025-12-31 shows revenue of €83,763 and profit for the financial year of €3,870. Based on the latest retained statement, revenue growth was +6.8%, operating margin was +5.7%, and equity ratio was +51.2%.

Financial highlights

Key figures from the latest financial period.

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Latest financial period

2025-12-31

Imported periods3
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth6.8%
Operating margin5.7%
Equity ratio51.2%
Revenue€83,763+€5,305 (+6.8%) vs previous periodPrevious: €78,458
Operating profit (loss)€4,773+€3,033 (+174.3%) vs previous periodPrevious: €1,740
Profit (loss) for the financial year€3,870+€2,142 (+124.0%) vs previous periodPrevious: €1,728
Assets€5,980+€5,142 (+613.2%) vs previous periodPrevious: €839
Balance-sheet contextLatest financial period
Other operating income€0Previous: €100
Cash and bank€5,980Previous: €839
Retained earnings-€808Previous: -€2,536
Equity€3,062Previous: -€808
Liabilities€2,918Previous: €1,646
Current assets€5,980Previous: €839
Current liabilities€2,918Previous: €1,646
Revenue trend2 periods
€78,458
2024-12-31
€83,763
2025-12-31
Operating profit (loss) trend2 periods
€1,740
2024-12-31
€4,773
2025-12-31
Profit (loss) for the financial year trend2 periods
€1,728
2024-12-31
€3,870
2025-12-31
Assets trend2 periods
€839
2024-12-31
€5,980
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioGood
64/100 · Improving
51.2 %2024-12-31: -96.3 %
Current ratioGood
68/100 · Improving
2.05x2024-12-31: 0.51x
Operating profit marginSatisfactory
64/100 · Improving
5.7 %2024-12-31: 2.2 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio-96.3 %51.2 %
Current ratio0.51x2.05x
Operating profit margin2.2 %5.7 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3310818-1
EU IDFIFPRO.3310818-1
MunicipalityKuusamo
Current registered entries
2022-09-26Registered in Tax Administration (Tax Administration)
2022-09-26Registered in Patent and Registration Office (Trade Register)
2022-11-18Registered 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
GoodT. Ronkainen Oy
Grade unchangedA3 · new analysis 2026-10-18
Model score74/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators show coordinated recovery.
3 comparable periods
RevenueStable
ProfitabilityImproving
SolvencyImproving
LiquidityImproving
Peer comparisonSame industry and sizeDescriptive comparison – does not change the model score.
92 peers
Solvency37%
Below 63% of peers
Profitability46%
Close to the peer-group midpoint
Liquidity76%
Better than 76% of peers
Revenue growth65%
Better than 65% of peers
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings
Latest registration lag36 days after period end
Typical registration lag108 days after period end
Annual continuity3 consecutive periods
Supporting factors
  • Strong equity ratio
  • Healthy short-term liquidity
  • Coordinated recovery across 3 financial domains
Risk factors to note

No material separate warning signals.

Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
A3
2026-10-1874/100 · v0.15
A3 → A3
A3
2026-10-03 11:3174/100 · v0.14
B2 → A3 · +17 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.
B2
2026-09-1557/100 · v0.14
B2 → B2
  • Assessment confidence: Low → Medium.
  • Evidence quality: Registry and statistical evidence → Registry and statistical evidence.
  • New risk factor: Sufficient structured financial metrics are not available.
B2
2026-09-1457/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeA3
Automatic model snapshot2026-10-18
Automatic model versionopen-risk-grade-v0.15
Financial data included

The grade can use open digital financial statement data together with registry signals.

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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
35/100

The company has about 4 years of registry continuity.

Registry and status signalsRajallinen
44/100

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
3 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → A3.
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.

5 register eventsLatest event: 2026-02-05

Financial statements availability

Available financial statement periods and PRH source filings.

3 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. Ronkainen Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.