Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
terho & terho oy
terho & terho oy's registered office is Piispanristi. It is a limited company. The company was established on 1980-07-11. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €267,167 and operating profit was €105,207.
Business ID 0357046-3ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0357046-3
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Piispanristi
- Company form
- Limited company
- Registration date
- 1980-07-11
- Business ID registration date
- 1980-06-17
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Särkikuja 6, 20760, Piispanristi
Phone: +358400861414Source observation
Website: https://terpol.fiSource observation
People and decision-makers
Laura KorhonenPäävastuullinen tilintarkastaja
Anita TerhoHallitus: varajäsen
About terho & terho oy
Financial position and key figures for the company.
terho & terho oy's location municipality is Piispanristi. It is a limited company. The company was established on 1980-07-11. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €267,167 and operating profit was €105,207. The latest retained financial statement for 2025-12-31 shows revenue of €267,167 and profit for the financial year of €84,100. Based on the latest retained statement, revenue growth was -36.9%, operating margin was +39.1%, and equity ratio was +37.2%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimialana on arvopaperikauppa.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Source observation
Derived indicators
Revenue growth-36.9%
Operating margin39.1%
Equity ratio37.2%
Revenue€267,167-€156,054 (-36.9%) vs previous periodPrevious: €423,221
Operating profit (loss)€105,207+€49,164 (+87.7%) vs previous periodPrevious: €56,043
Profit (loss) for the financial year€84,100+€37,892 (+82.0%) vs previous periodPrevious: €46,208
Assets€2,438,117+€85,292 (+3.6%) vs previous periodPrevious: €2,352,824
Balance-sheet contextLatest financial period
Profit before taxes€105,396Previous: €57,586
Employees1Previous: 1
Revenue trend4 periods
€141,554
2022-12-31
€313,176
2023-12-31
€423,221
2024-12-31
€267,167
2025-12-31
Operating profit (loss) trend4 periods
€16,220
2022-12-31
€84,972
2023-12-31
€56,043
2024-12-31
€105,207
2025-12-31
Profit (loss) for the financial year trend4 periods
€10,895
2022-12-31
€66,772
2023-12-31
€46,208
2024-12-31
€84,100
2025-12-31
Assets trend4 periods
€2,215,238
2022-12-31
€2,288,177
2023-12-31
€2,352,824
2024-12-31
€2,438,117
2025-12-31
Additional financial figures
The company's financial figures across different years.
Revenue 2025€267,167
Profit for the financial year 2025€84,100
Balance sheet total 2025€2,438,117
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | €267,167 | €423,221 | €313,176 | €141,554 | - | - | - | - | - | - |
| Revenue growth | -36,9 % | 35,1 % | 121,2 % | -75,8 % | - | - | - | - | - | - |
| Operating profit | €105,207 | €56,043 | €84,972 | €16,220 | - | - | - | - | - | - |
| EBIT margin | 39,1 % | 13,2 % | 27,1 % | 11,5 % | - | - | - | - | - | - |
| Profit for the financial year | €84,100 | €46,208 | €66,772 | €10,895 | - | - | - | - | - | - |
| Taxable income | - | €57,916 | €85,786 | €16,236 | €152,715 | €12,259 | €322,125 | €49,729 | €93,938 | €187,887 |
| Income tax | - | €10,243 | €15,815 | €1,962 | €29,975 | €1,225 | €63,194 | €9,946 | €16,452 | €35,500 |
| Income after tax | - | €47,673 | €69,971 | €14,274 | €122,740 | €11,034 | €258,932 | €39,783 | €77,486 | €152,388 |
| Profit before taxes | €105,396 | €57,586 | €85,792 | €16,092 | - | - | - | - | - | - |
| Equity ratio | 37,2 % | 38 % | 40,3 % | 41,9 % | - | - | - | - | - | - |
| Balance sheet total | €2,438,117 | €2,352,824 | €2,288,177 | €2,215,238 | - | - | - | - | - | - |
| Employees | 1 | 1 | 1 | 1 | - | - | - | - | - | - |
Financial ratios
Financial ratios based on financial statement data. Source: Lähdehavainto.
Equity ratioSatisfactory
46/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Equity ratio | 41.9 % | 40.3 % | 38.0 % | 37.2 % |
| Current ratio | - | - | - | - |
| Operating profit margin | 11.5 % | 27.1 % | 13.2 % | 39.1 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0357046-3
EU IDFIFPRO.0357046-3
MunicipalityPiispanristi
Current registered entries
1980-06-17Registered in Tax Administration (Tax Administration)
1980-07-11Registered in Patent and Registration Office (Trade Register)
1995-03-01Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Laura KorhonenPäävastuullinen tilintarkastajaSources: 1 · Confidence: 76%
Anita TerhoHallitus: varajäsenSources: 1 · Confidence: 76%
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
Goodterho & terho oy
Grade unchangedA3 · new analysis 2026-10-18
77/100
Medium
Registry and statistical evidenceRegistry and statistics based
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- Long registry continuity
Risk factors to note
- Sufficient structured financial metrics are not available
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA3
2026-10-1877/100 · v0.15
A3 → A3A3
2026-10-1377/100 · v0.14
Oldest retained automatic assessment in this comparisonA3
2026-10-18
open-risk-grade-v0.15
The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 assessment.
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 riskvery low
89/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 46 years of registry continuity.
Registry and status signalsVakaa
82/100
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
13 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Registry timeline
Trade register notifications shown on a timeline.
20 register eventsLatest event: 2026-05-20
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
terho & terho oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.