Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Business profile
Tiiriön Vakuutusedustus Oy
Tiiriön Vakuutusedustus Oy's registered office is Hämeenlinna. It is a limited company. The company was established on 2016-03-03. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-02-28, revenue was €721,825 and operating profit was €63,739.
Business ID 2749448-5ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2749448-5
- Sector
- Activities of insurance agents and brokers
- Municipality
- Hämeenlinna
- Company form
- Limited company
- Registration date
- 2016-03-03
- Business ID registration date
- 2016-02-29
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Wartiamäentie 2, 13130, Hämeenlinna
Postal address: Radanvarsitie 74, 13720, Parola
Website: https://www.lahitapiola.fiSource observation
About Tiiriön Vakuutusedustus Oy
Financial position and key figures for the company.
Tiiriön Vakuutusedustus Oy's location municipality is Hämeenlinna. It is a limited company. The company was established on 2016-03-03. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-02-28, revenue was €721,825 and operating profit was €63,739. The latest retained financial statement for 2025-02-28 shows revenue of €721,825 and profit for the financial year of €47,722. Based on the latest retained statement, revenue growth was +4.1%, operating margin was +8.8%, and equity ratio was -9.2%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-02-28
3
2
PRH/XBRL financial statement
Derived indicators
Revenue growth4.1%
Operating margin8.8%
Equity ratio-9.2%
Balance-sheet contextLatest financial period
Cash and bank€30,705Previous: €10,030
Retained earnings-€60,677Previous: -€46,114
Equity-€10,455Previous: -€58,177
Liabilities€124,593Previous: €152,966
Current assets€79,305Previous: €72,612
Current liabilities€61,631Previous: €108,217
Revenue trend2 periods
€693,510
2024-02-29
€721,825
2025-02-28
Operating profit (loss) trend2 periods
-€5,010
2024-02-29
€63,739
2025-02-28
Profit (loss) for the financial year trend2 periods
-€14,563
2024-02-29
€47,722
2025-02-28
Assets trend2 periods
€94,789
2024-02-29
€114,138
2025-02-28
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
0/100 · Improving
Current ratioPassable
17/100 · Improving
Operating profit marginSatisfactory
72/100 · Improving
Ratio history
| Ratio | 2024-02-29 | 2025-02-28 |
|---|---|---|
| Equity ratio | -61.4 % | -9.2 % |
| Current ratio | 0.09x | 0.50x |
| Operating profit margin | -0.7 % | 8.8 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2749448-5
VAT IDFI27494485
EU IDFIFPRO.2749448-5
MunicipalityHämeenlinna
Current registered entries
2016-02-29Registered in Tax Administration (Prepayment Register)
2016-03-03Registered in Patent and Registration Office (Trade Register)
2016-03-07Registered in Tax Administration (Tax Administration)
2016-04-01Registered in Tax Administration (Employer Register)
2020-11-01VAT-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
B3
MonitorTiiriön Vakuutusedustus Oy
Grade unchangedB3 · new analysis 2026-10-18
44/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueStable
ProfitabilityImproving
SolvencyImproving
LiquidityImproving
Same size nationallyDescriptive comparison – does not change the model score.
812 peersSolvency10%
Below 90% of peers
Profitability54%
Close to the peer-group midpoint
Liquidity51%
Close to the peer-group midpoint
Revenue growth66%
Better than 66% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings189 days after period end
204 days after period end
2 consecutive periods
Supporting factors
- Strong operating profitability
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative equity
- Weak current ratio
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB3
2026-10-1844/100 · v0.15
B3 → B3B3
2026-09-23 17:4044/100 · v0.14
B1 → B3 · -25 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-02-28).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1569/100 · v0.14
B1 → B1 · +7 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
2026-09-1362/100 · v0.12
Oldest retained automatic assessment in this comparisonB3
2026-10-18
open-risk-grade-v0.15
The grade can use open digital financial statement data together with registry signals.
A serious financial risk signal affects this grade. Review the profile financial indicators as well.
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
80/100
The company has about 10 years of registry continuity.
Registry and status signalsSeurattava
70/100
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
23 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B3.Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Risk grade updatedRisk gradeEvidence verified
13 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
12 register eventsLatest event: 2025-09-05
Financial statements availability
Available financial statement periods and PRH source filings.
3 financial statement periodsLatest financial period: 2025-02-28
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-01-05.
This company profile has not been claimed yet
Tiiriön Vakuutusedustus Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.