Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
Talonrakennus Toivanen Oy
Talonrakennus Toivanen Oy's registered office is Heinola Kk. It is a limited company. The company was established on 2018-05-15. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2025-10-31, revenue was €621,000 and operating profit was €48,961.
Business ID 2914840-4ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2914840-4
- Sector
- Construction of residential and non-residential buildings
- Municipality
- Heinola Kk
- Company form
- Limited company
- Registration date
- 2018-05-15
- Business ID registration date
- 2018-05-13
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Rautvuorentie 2, 18300, Heinola Kk
Phone: +358505593168Source observation
People and decision-makers
Toivanen Timo JuhaniVarsinainen jäsen
Pihla Anna-KaisaVarajäsen
About Talonrakennus Toivanen Oy
Financial position and key figures for the company.
Talonrakennus Toivanen Oy's location municipality is Heinola Kk. It is a limited company. The company was established on 2018-05-15. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2025-10-31, revenue was €621,000 and operating profit was €48,961. The latest retained financial statement for 2025-10-31 shows revenue of €621,000 and profit for the financial year of €32,651. Based on the latest retained statement, revenue growth was +130.0%, operating margin was +7.9%, and equity ratio was +29.8%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-10-31
0
0
Enriched source observation
Derived indicators
Revenue growth130.0%
Operating margin7.9%
Equity ratio29.8%
Revenue€621,000+€351,000 (+130.0%) vs previous periodPrevious: €270,000
Operating profit (loss)€48,961+€13,793 (+39.2%) vs previous periodPrevious: €35,167
Profit (loss) for the financial year€32,651+€15,263 (+87.8%) vs previous periodPrevious: €17,388
Assets€205,568-€102,315 (-33.2%) vs previous periodPrevious: €307,884
Balance-sheet contextLatest financial period
Profit before taxes€35,820Previous: €17,388
Revenue trend5 periods
€1,016,860
2021-10-31
€1,066,000
2022-10-31
€270,000
2023-10-31
€270,000
2024-10-31
€621,000
2025-10-31
Operating profit (loss) trend5 periods
-€3,838
2021-10-31
-€4,419
2022-10-31
€15,287
2023-10-31
€35,167
2024-10-31
€48,961
2025-10-31
Profit (loss) for the financial year trend5 periods
-€16,382
2021-10-31
-€18,370
2022-10-31
-€2,630
2023-10-31
€17,388
2024-10-31
€32,651
2025-10-31
Assets trend5 periods
€413,813
2021-10-31
€114,794
2022-10-31
€268,696
2023-10-31
€307,884
2024-10-31
€205,568
2025-10-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioPassable
37/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginSatisfactory
70/100 · Declining
Ratio history
| Ratio | 2021-10-31 | 2022-10-31 | 2023-10-31 | 2024-10-31 | 2025-10-31 |
|---|---|---|---|---|---|
| Equity ratio | 7.8 % | 12.1 % | 4.2 % | 9.3 % | 29.8 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | -0.4 % | -0.4 % | 5.7 % | 13.0 % | 7.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2914840-4
VAT IDFI29148404
EU IDFIFPRO.2914840-4
MunicipalityHeinola Kk
Current registered entries
2018-05-13VAT-liable for business activity in Tax Administration (VAT Register)
2018-05-15Registered in Tax Administration (Tax Administration)
2018-05-15Registered in Patent and Registration Office (Trade Register)
2018-07-09Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Toivanen Timo JuhaniVarsinainen jäsenSources: 2 · Confidence: 78%
Pihla Anna-KaisaVarajäsenSources: 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
B1
StableTalonrakennus Toivanen Oy
Grade unchangedB1 · new analysis 2026-10-18
64/100
Medium
Usable financial evidenceFinancial data included
Several key financial indicators show coordinated recovery.
4 comparable periodsRevenueImproving
ProfitabilityVolatile
SolvencyImproving · 2 consecutive periods
LiquidityNot enough history
Same industry, size and age groupDescriptive comparison – does not change the model score.
222 peersSolvency33%
Below 67% of peers
Profitability68%
Better than 68% of peers
Revenue growth95%
Better than 95% of peers
Supporting factors
- Coordinated recovery across 2 financial domains
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
3 assessmentsB1
2026-10-1864/100 · v0.15
B1 → B1- Evidence quality: Strong financial evidence → Usable financial evidence.
B1
2026-10-0364/100 · v0.14
B1 → B1- Revenue: Improving
- Profitability: Volatile
- Solvency: Improving
B1
2026-05-2764/100 · v0.11
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 riskhigh
25/100
Industry context is high based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 8 years of registry continuity.
Registry and status signalsSeurattava
65/100
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 B1.Registry timeline
Trade register notifications shown on a timeline.
10 register eventsLatest event: 2026-03-11
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
Talonrakennus Toivanen Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.