Risk grade updatedRisk gradeEvidence verified
21 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
Terve Elo Oy
Terve Elo Oy's registered office is Savonlinna. It is a limited company. The company was established on 2013-06-27. It operates in the industry of retail sale of other food n.e.c.. In its latest retained statement for 2024-12-31, revenue was €31,447 and operating profit was -€2,000.
Business ID 2549108-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2549108-8
- Sector
- Retail sale of other food n.e.c.
- Municipality
- Savonlinna
- Company form
- Limited company
- Registration date
- 2013-06-27
- Business ID registration date
- 2013-05-14
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Olavinkatu 52, 57100, Savonlinna
Email: [email protected]Source observation
Website: https://terve-elo.comSource observation
People and decision-makers
Spirin GennadiiToimitusjohtaja
About Terve Elo Oy
Financial position and key figures for the company.
Terve Elo Oy's location municipality is Savonlinna. It is a limited company. The company was established on 2013-06-27. It operates in the industry of retail sale of other food n.e.c.. In its latest retained statement for 2024-12-31, revenue was €31,447 and operating profit was -€2,000. The latest retained financial statement for 2024-12-31 shows revenue of €31,447 and profit for the financial year of -€2,000. Based on the latest retained statement, revenue growth was -3.4%, operating margin was -6.5%, and equity ratio was +60.0%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimialana on ruokatarvikkeiden, vitamiinien, mineraalien yrttien ja marjojen myynti ja jalostaminen.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2024-12-31
0
0
Source observation
Derived indicators
Revenue growth-3.4%
Operating margin-6.5%
Equity ratio60.0%
Revenue€31,447-€1,120 (-3.4%) vs previous periodPrevious: €32,567
Operating profit (loss)-€2,000-€2,175 (-1244.0%) vs previous periodPrevious: €175
Profit (loss) for the financial year-€2,000-€2,129 (-1650.4%) vs previous periodPrevious: €129
Assets€8,000-€2,384 (-23.0%) vs previous periodPrevious: €10,384
Balance-sheet contextLatest financial period
Revenue trend5 periods
€40,957
2020-12-31
€34,681
2021-12-31
€34,681
2022-12-31
€32,567
2023-12-31
€31,447
2024-12-31
Operating profit (loss) trend5 periods
€1,853
2020-12-31
€3,294
2021-12-31
€3,294
2022-12-31
€175
2023-12-31
-€2,000
2024-12-31
Profit (loss) for the financial year trend5 periods
€1,482
2020-12-31
€2,634
2021-12-31
€2,634
2022-12-31
€129
2023-12-31
-€2,000
2024-12-31
Assets trend5 periods
€11,128
2020-12-31
€10,228
2021-12-31
€14,222
2022-12-31
€10,384
2023-12-31
€8,000
2024-12-31
Additional financial figures
The company's financial figures across different years.
| Metric | 2026 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | €31,447 | €32,567 | €34,681 | €34,681 | €40,957 |
| Revenue growth | - | -3,4 % | -6,1 % | 0 % | -15,3 % | 27,3 % |
| Operating profit | - | -€2,000 | €175 | €3,294 | €3,294 | €1,853 |
| EBIT margin | - | -6,5 % | 0 % | 8,6 % | 8,6 % | 4,9 % |
| Profit for the financial year | - | -€2,000 | €129 | €2,634 | €2,634 | €1,482 |
| Profit before taxes | - | - | €162 | €975 | €3,293 | €1,853 |
| Equity ratio | - | 60 % | 72,7 % | 66,7 % | 66,7 % | 36,4 % |
| Balance sheet total | - | €8,000 | €10,384 | €14,222 | €10,228 | €11,128 |
| Employees | 4 | - | - | - | - | - |
Financial ratios
Financial ratios based on financial statement data. Source: Lähdehavainto.
Equity ratioGood
75/100 · Declining
Current ratioGood
67/100 · Declining
Operating profit marginWeak
34/100 · Declining
Ratio history
| Ratio | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 36.4 % | 66.7 % | 66.7 % | 72.7 % | 60.0 % |
| Current ratio | 1.43x | 2.25x | 2.25x | 3.33x | 2.00x |
| Operating profit margin | 4.9 % | 8.6 % | 8.6 % | 0.0 % | -6.5 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2549108-8
VAT IDFI25491088
EU IDFIFPRO.2549108-8
MunicipalitySavonlinna
Current registered entries
2013-05-15VAT-liable for business activity in Tax Administration (VAT Register)
2013-05-15Registered in Tax Administration (Prepayment Register)
2013-06-27Registered in Tax Administration (Tax Administration)
2013-06-27Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Spirin GennadiiToimitusjohtajaSources: 3 · Confidence: 78%
Spirin GennadiiHallituksen puheenjohtajaSources: 1 · Confidence: 74%
Österlund Olli HenrikVarsinainen jäsenSources: 4 · Confidence: 78%
Ianushevskaia PolinaVarsinainen jäsenSources: 3 · Confidence: 78%
Spirin GennadiiOikeutettu nimenkirjoittajaSources: 1 · Confidence: 78%
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
StableTerve Elo Oy
Grade upgradedB2 → B1 · new analysis 2026-10-21
61/100
High
Strong financial evidenceFinancial data included
Financial development has been volatile across multiple domains.
4 comparable periodsRevenueStable
SolvencyVolatile
LiquidityVolatile
Same industry, size and age groupDescriptive comparison – does not change the model score.
58 peersSolvency45%
Below 55% of peers
Profitability41%
Below 59% of peers
Liquidity72%
Better than 72% of peers
Revenue growth43%
Below 57% of peers
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
- Material volatility across multiple financial domains
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB1
2026-10-2161/100 · v0.15
B2 → B1 · +7 points- Revenue: Not enough history → Stable
- Profitability: Not enough history → Deteriorating
- Solvency: Not enough history → Volatile
B2
2026-10-1154/100 · v0.14
Oldest retained automatic assessment in this comparisonB1
2026-10-21
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 riskhigh
24/100
Industry context is high based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 13 years of registry continuity.
Registry and status signalsSeurattava
66/100
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
11 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
13 register eventsLatest event: 2025-06-05
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
Terve Elo Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.