Risk grade updatedRisk gradeEvidence verified
20 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Terwin Oy
Terwin Oy's registered office is Helsingfors. It is a limited company. The company was established on 2020-03-02. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €252,000 and operating profit was €38,164.
Business ID 3119909-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3119909-1
- Sector
- Business and other management consultancy activities
- Municipality
- Helsingfors
- Company form
- Limited company
- Registration date
- 2020-03-02
- Business ID registration date
- 2020-02-17
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Museokatu 15 A 15, 00100, Helsingfors
Phone: +358400158399Source observation
Email: [email protected]Source observation
People and decision-makers
Katramo Mikko IlmariToimitusjohtaja
About Terwin Oy
Financial position and key figures for the company.
Terwin Oy's location municipality is Helsingfors. It is a limited company. The company was established on 2020-03-02. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €252,000 and operating profit was €38,164. The latest retained financial statement for 2025-12-31 shows revenue of €252,000 and profit for the financial year of €106,467. Based on the latest retained statement, revenue growth was +0.0%, operating margin was +15.1%, and equity ratio was +35.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth0.0%
Operating margin15.1%
Equity ratio35.9%
Revenue€252,000+€0 (+0.0%) vs previous periodPrevious: €252,000
Operating profit (loss)€38,164-€2,353 (-5.8%) vs previous periodPrevious: €40,517
Profit (loss) for the financial year€106,467+€20,745 (+24.2%) vs previous periodPrevious: €85,722
Assets€3,657,270-€75,087 (-2.0%) vs previous periodPrevious: €3,732,358
Balance-sheet contextLatest financial period
Employees1Previous: 1
Revenue trend4 periods
€150,000
2022-07-31
€284,836
2023-12-31
€252,000
2024-12-31
€252,000
2025-12-31
Operating profit (loss) trend4 periods
-€1,755
2022-07-31
-€6,365
2023-12-31
€40,517
2024-12-31
€38,164
2025-12-31
Profit (loss) for the financial year trend4 periods
€410,039
2022-07-31
€209,966
2023-12-31
€85,722
2024-12-31
€106,467
2025-12-31
Assets trend4 periods
€3,217,450
2022-07-31
€4,757,266
2023-12-31
€3,732,358
2024-12-31
€3,657,270
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioSatisfactory
45/100 · Declining
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
88/100 · Declining
Ratio history
| Ratio | 2022-07-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Equity ratio | 45.0 % | 34.9 % | 37.8 % | 35.9 % |
| Current ratio | - | - | - | - |
| Operating profit margin | -1.2 % | -2.2 % | 16.1 % | 15.1 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3119909-1
VAT IDFI31199091
EU IDFIFPRO.3119909-1
MunicipalityHelsingfors
Current registered entries
2020-03-01Registered in Tax Administration (Employer Register)
2020-03-01VAT-liable for business activity in Tax Administration (VAT Register)
2020-03-01Registered in Tax Administration (Prepayment Register)
2020-03-02Registered in Tax Administration (Tax Administration)
2020-03-02Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Katramo Mikko IlmariToimitusjohtajaSources: 5 · Confidence: 78%
Katramo Mikko IlmariPuheenjohtajaSources: 3 · Confidence: 78%
Järvensivu Samuli UoleviVarsinainen jäsenSources: 5 · Confidence: 78%
Ahlbom Anna ElinaVarajäsenSources: 2 · Confidence: 78%
Otto JokiPäävastuullinen tilintarkastajaSources: 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
GoodTerwin Oy
76/100
Medium
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsProfitabilityImproving
SolvencyStable
LiquidityNot enough history
Same industryDescriptive comparison – does not change the model score.
74 peersSolvency26%
Below 74% of peers
Profitability62%
Better than 62% of peers
Revenue growth47%
Close to the peer-group midpoint
Supporting factors
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
No material separate warning signals.
A3
2026-09-20
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
72/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 6 years of registry continuity.
Registry and status signalsSeurattava
63/100
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.
13 register eventsLatest event: 2025-05-23
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
Terwin Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.