Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
Tarmo K Vaarala Oy
Tarmo K Vaarala Oy's registered office is Pohjasperä. It is a limited company. The company was established on 2012-11-14. It operates in the industry of non-specialised retail sale of predominately food, beverages or tobacco. In its latest retained statement for 2026-01-31, revenue was €689,340 and operating profit was -€35,197.
Business ID 2509136-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2509136-7
- Sector
- Non-specialised retail sale of predominately food, beverages or tobacco
- Municipality
- Pohjasperä
- Company form
- Limited company
- Registration date
- 2012-11-14
- Business ID registration date
- 2012-11-05
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Teerivaarantie 44, 97665, Pohjasperä
About Tarmo K Vaarala Oy
Financial position and key figures for the company.
Tarmo K Vaarala Oy's location municipality is Pohjasperä. It is a limited company. The company was established on 2012-11-14. It operates in the industry of non-specialised retail sale of predominately food, beverages or tobacco. In its latest retained statement for 2026-01-31, revenue was €689,340 and operating profit was -€35,197. The latest retained financial statement for 2026-01-31 shows revenue of €689,340 and profit for the financial year of €14,829. Based on the latest retained statement, revenue growth was -80.9%, operating margin was -5.1%, and equity ratio was +95.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2026-01-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth-80.9%
Operating margin-5.1%
Equity ratio95.9%
Balance-sheet contextLatest financial period
Other operating income€655Previous: €905
Provisions or reserves€44,490Previous: €59,320
Inventory€0Previous: €171,242
Cash and bank€785,446Previous: €863,224
Retained earnings€1,218,282Previous: €1,202,594
Equity€1,235,611Previous: €1,338,412
Liabilities€8,853Previous: €181,533
Current assets€1,120,759Previous: €1,379,171
Current liabilities€8,853Previous: €181,533
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
37/100 · Declining
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2509136-7
EU IDFIFPRO.2509136-7
MunicipalityPohjasperä
Current registered entries
2012-11-14Registered in Patent and Registration Office (Trade Register)
2012-11-26Registered in Tax Administration (Tax Administration)
2012-12-01Registered in Tax Administration (Employer Register)
2012-12-01Registered 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
B1
StableTarmo K Vaarala Oy
Grade unchangedB1 · new analysis 2026-10-18
66/100
Medium
Usable financial evidenceFinancial data included
Same industry and sizeDescriptive comparison – does not change the model score.
45 peersSolvency100%
Better than 100% of peers
Profitability18%
Below 82% of peers
Liquidity100%
Better than 100% of peers
Limited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings200 days after period end
200 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Active registered status
Risk factors to note
- Negative profitability or net result
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB1
2026-10-1866/100 · v0.15
B1 → B1B1
2026-09-30 03:2166/100 · v0.14
B1 → B1 · +3 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-01-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1563/100 · v0.14
B2 → B1 · +5 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.
B2
2026-09-1458/100 · 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 riskelevated
44/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 13 years of registry continuity.
Registry and status signalsVakaa
80/100
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 B2.Registry timeline
Trade register notifications shown on a timeline.
16 register eventsLatest event: 2026-08-19
Financial statements availability
Available financial statement periods and PRH source filings.
1 financial statement periodsLatest financial period: 2026-01-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-10.
This company profile has not been claimed yet
Tarmo K Vaarala Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.