Risk grade updatedRisk gradeEvidence verified
18 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.Business profile
TEF Trading Oy
TEF Trading Oy's registered office is Esbo. It is a limited company. The company was established on 2004-11-18. It operates in the industry of non-specialised wholesale trade. In its latest retained statement for 2025-12-31, revenue was €790,595 and operating profit was €75,548.
Business ID 1926596-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 1926596-5
- Sector
- Non-specialised wholesale trade
- Municipality
- Esbo
- Company form
- Limited company
- Registration date
- 2004-11-18
- Business ID registration date
- 2004-10-27
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Säkkijärventie 9, 02140, Esbo
Website: https://[email protected]Source observation
About TEF Trading Oy
Financial position and key figures for the company.
TEF Trading Oy's location municipality is Esbo. It is a limited company. The company was established on 2004-11-18. It operates in the industry of non-specialised wholesale trade. In its latest retained statement for 2025-12-31, revenue was €790,595 and operating profit was €75,548. The latest retained financial statement for 2025-12-31 shows revenue of €790,595 and profit for the financial year of €63,405. Based on the latest retained statement, revenue growth was -40.5%, operating margin was +9.6%, and equity ratio was +98.2%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
5
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-40.5%
Operating margin9.6%
Equity ratio98.2%
Balance-sheet contextLatest financial period
Other operating income€23,724Previous: €20,170
Inventory€11,347Previous: €8,503
Cash and bank€265,507Previous: €794,239
Retained earnings€1,199,444Previous: €1,153,316
Equity€1,270,850Previous: €1,312,439
Liabilities€23,654Previous: €43,237
Current assets€281,504Previous: €842,677
Current liabilities€23,654Previous: €43,237
Revenue trend2 periods
€1,328,151
2024-12-31
€790,595
2025-12-31
Operating profit (loss) trend2 periods
€176,737
2024-12-31
€75,548
2025-12-31
Profit (loss) for the financial year trend2 periods
€151,123
2024-12-31
€63,405
2025-12-31
Assets trend2 periods
€1,355,677
2024-12-31
€1,294,504
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 · Declining
Operating profit marginSatisfactory
73/100 · Declining
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 96.8 % | 98.2 % |
| Current ratio | 18.57x | 11.70x |
| Operating profit margin | 13.1 % | 9.3 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID1926596-5
VAT IDFI19265965
EU IDFIFPRO.1926596-5
MunicipalityEsbo
Current registered entries
2004-11-01Registered in Tax Administration (Tax Administration)
2004-11-15VAT-liable for business activity in Tax Administration (VAT Register)
2004-11-15Registered in Tax Administration (Prepayment Register)
2004-11-18Registered in Patent and Registration Office (Trade 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
GoodTEF Trading Oy
Grade upgradedB1 → A3 · new analysis 2026-09-18
74/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
3 comparable periodsSolvencyStable
Same size nationallyDescriptive comparison – does not change the model score.
249 peersSolvency96%
Better than 96% of peers
Profitability63%
Better than 63% of peers
Liquidity96%
Better than 96% of peers
Revenue growth4%
Below 96% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings83 days after period end
104 days after period end
4 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Healthy short-term liquidity
Risk factors to note
- Sharp year-over-year revenue drop
- Coordinated deterioration across 3 financial domains
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-09-18 15:4774/100 · v0.14
B1 → A3 · +12 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
2026-09-1462/100 · v0.14
B1 → B1B1
2026-09-1462/100 · v0.13
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
2026-09-1357/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
2026-09-18
open-risk-grade-v0.14
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
31/100
Industry context is high based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 21 years of registry continuity.
Registry and status signalsVakaa
81/100
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
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
20 register eventsLatest event: 2026-03-24
Financial statements availability
Available financial statement periods and PRH source filings.
5 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
TEF Trading Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.