Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
Terre Oy
Terre Oy's registered office is Kotka. It is a limited company. The company was established on 2006-07-19. It operates in the industry of computer programming activities. In its latest retained statement for 2025-09-30, revenue was €49,958 and operating profit was -€39,582.
Business ID 2048440-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2048440-1
- Sector
- Computer programming activities
- Municipality
- Kotka
- Company form
- Limited company
- Registration date
- 2006-07-19
- Business ID registration date
- 2006-07-13
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Pylkönmäenkatu 23, 48600, Kotka
About Terre Oy
Financial position and key figures for the company.
Terre Oy's location municipality is Kotka. It is a limited company. The company was established on 2006-07-19. It operates in the industry of computer programming activities. In its latest retained statement for 2025-09-30, revenue was €49,958 and operating profit was -€39,582. The latest retained financial statement for 2025-09-30 shows revenue of €49,958 and profit for the financial year of €35,293. Based on the latest retained statement, revenue growth was +14.4%, operating margin was -79.2%, and equity ratio was +99.1%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-09-30
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth14.4%
Operating margin-79.2%
Equity ratio99.1%
Balance-sheet contextLatest financial period
Cash and bank€27,523Previous: €357,559
Retained earnings€1,470,610Previous: €1,584,560
Equity€1,508,403Previous: €1,600,110
Liabilities€12,988Previous: €5,912
Current assets€330,451Previous: €625,811
Current liabilities€9,640Previous: €2,564
Revenue trend2 periods
€43,680
2024-09-30
€49,958
2025-09-30
Operating profit (loss) trend2 periods
-€26,040
2024-09-30
-€39,582
2025-09-30
Profit (loss) for the financial year trend2 periods
€13,050
2024-09-30
€35,293
2025-09-30
Assets trend2 periods
€1,606,022
2024-09-30
€1,521,391
2025-09-30
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Declining
Current ratioGood
95/100 · Declining
Operating profit marginWeak
0/100 · Declining
Ratio history
| Ratio | 2024-09-30 | 2025-09-30 |
|---|---|---|
| Equity ratio | 99.6 % | 99.2 % |
| Current ratio | 139.46x | 2.86x |
| Operating profit margin | -59.6 % | -79.2 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2048440-1
VAT IDFI20484401
EU IDFIFPRO.2048440-1
MunicipalityKotka
Current registered entries
2006-07-09VAT-liable for business activity in Tax Administration (VAT Register)
2006-07-09Registered in Tax Administration (Prepayment Register)
2006-07-14Registered in Tax Administration (Tax Administration)
2006-07-19Registered 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
B1
StableTerre Oy
Grade unchangedB1 · new analysis 2026-09-18
69/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
2 comparable periodsRevenueImproving
SolvencyStable
Same size nationallyDescriptive comparison – does not change the model score.
398 peersSolvency94%
Better than 94% of peers
Profitability14%
Below 86% of peers
Liquidity81%
Better than 81% of peers
Revenue growth83%
Better than 83% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings134 days after period end
131 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
- Coordinated deterioration across 2 financial domains
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB1
2026-09-18 02:2869/100 · v0.14
B1 → B1 · +5 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-09-30).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1464/100 · v0.14
B1 → B1B1
2026-09-1464/100 · 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
2026-09-1359/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
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 riskelevated
49/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 20 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.
Registry timeline
Trade register notifications shown on a timeline.
22 register eventsLatest event: 2026-02-11
Financial statements availability
Available financial statement periods and PRH source filings.
2 financial statement periodsLatest financial period: 2025-09-30
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-23.
This company profile has not been claimed yet
Terre Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.