Risk grade updatedRisk gradeEvidence verified
24 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → B1.Business profile
Terju Oy
Terju Oy's registered office is Mäntsälä. It is a limited company. The company was established on 1993-03-17. It operates in the industry of rental and operating of own or leased non-residential real estate. In its latest retained statement for 2026-03-31, revenue was €13,423 and operating profit was -€6,638.
Business ID 0918782-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0918782-8
- Sector
- Rental and operating of own or leased non-residential real estate
- Municipality
- Mäntsälä
- Company form
- Limited company
- Registration date
- 1993-03-17
- Business ID registration date
- 1993-03-04
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kuusimäenpolku 8, 04620, Mäntsälä
About Terju Oy
Financial position and key figures for the company.
Terju Oy's location municipality is Mäntsälä. It is a limited company. The company was established on 1993-03-17. It operates in the industry of rental and operating of own or leased non-residential real estate. In its latest retained statement for 2026-03-31, revenue was €13,423 and operating profit was -€6,638. The latest retained financial statement for 2026-03-31 shows revenue of €13,423 and profit for the financial year of -€5,580. Based on the latest retained statement, revenue growth was -13.4%, operating margin was -49.5%, and equity ratio was +99.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2026-03-31
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-13.4%
Operating margin-49.5%
Equity ratio99.4%
Balance-sheet contextLatest financial period
Cash and bank€198,200Previous: €203,391
Advances received€1,088Previous: €1,952
Retained earnings€340,380Previous: €346,526
Equity€337,322Previous: €342,903
Liabilities€1,939Previous: €2,653
Current assets€199,040Previous: €205,334
Current liabilities€1,939Previous: €2,653
Revenue trend2 periods
€15,497
2025-03-31
€13,423
2026-03-31
Operating profit (loss) trend2 periods
-€7,163
2025-03-31
-€6,638
2026-03-31
Profit (loss) for the financial year trend2 periods
-€6,146
2025-03-31
-€5,580
2026-03-31
Assets trend2 periods
€345,556
2025-03-31
€339,261
2026-03-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Declining
Current ratioGood
100/100 · Improving
Operating profit marginWeak
0/100 · Declining
Ratio history
| Ratio | 2025-03-31 | 2026-03-31 |
|---|---|---|
| Equity ratio | 99.8 % | 99.8 % |
| Current ratio | 76.66x | 102.22x |
| Operating profit margin | -46.2 % | -49.5 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0918782-8
VAT IDFI09187828
EU IDFIFPRO.0918782-8
MunicipalityMäntsälä
Current registered entries
1993-03-04Registered in Tax Administration (Tax Administration)
1993-03-17Registered in Patent and Registration Office (Trade Register)
1995-03-01Registered in Tax Administration (Prepayment Register)
2022-06-01VAT-liable for business activity in Tax Administration (VAT 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
StableTerju Oy
Grade downgradedA3 → B1 · new analysis 2026-09-24
69/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
2 comparable periodsSolvencyStable
LiquidityImproving
Same size nationallyDescriptive comparison – does not change the model score.
295 peersSolvency94%
Better than 94% of peers
Profitability18%
Below 82% of peers
Liquidity99%
Better than 99% of peers
Revenue growth31%
Below 69% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings51 days after period end
55 days after period end
2 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Negative profitability or net result
- Losses in the latest and previous available periods
- Coordinated deterioration across 2 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsB1
2026-09-24 18:5669/100 · v0.14
A3 → B1 · -5 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-03-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
A3
2026-09-1574/100 · v0.14
B1 → A3 · +9 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.
B1
2026-09-1465/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
2026-09-24
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 risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 33 years of registry continuity.
Registry and status signalsVakaa
84/100
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 A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
21 register eventsLatest event: 2026-05-21
Financial statements availability
Available financial statement periods and PRH source filings.
2 financial statement periodsLatest financial period: 2026-03-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-02-03.
This company profile has not been claimed yet
Terju Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.