Risk grade updatedRisk gradeEvidence verified
19 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → C.Business profile
Tilikeskus Saagel Oy
Tilikeskus Saagel Oy's registered office is Lapinjärvi. It is a limited company. The company was established on 1951-11-16. It operates in the industry of accounting and bookkeeping activities; tax consultancy. In its latest retained statement for 2025-03-31, revenue was €108,309 and operating profit was -€4,290.
Business ID 0413653-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0413653-8
- Sector
- Accounting and bookkeeping activities; tax consultancy
- Municipality
- Lapinjärvi
- Company form
- Limited company
- Registration date
- 1951-11-16
- Business ID registration date
- 1981-04-17
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Luutnantintie 5 A 6, 07800, Lapinjärvi
Postal address: luutnantintie 5 A 6, 07800, Lapinjärvi
Website: https://www.saagel.fiSource observation
About Tilikeskus Saagel Oy
Financial position and key figures for the company.
Tilikeskus Saagel Oy's location municipality is Lapinjärvi. It is a limited company. The company was established on 1951-11-16. It operates in the industry of accounting and bookkeeping activities; tax consultancy. In its latest retained statement for 2025-03-31, revenue was €108,309 and operating profit was -€4,290. The latest retained financial statement for 2025-03-31 shows revenue of €108,309 and profit for the financial year of -€6,206. Based on the latest retained statement, revenue growth was +26.8%, operating margin was -4.0%, and equity ratio was -9.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-03-31
3
2
PRH/XBRL financial statement
Derived indicators
Revenue growth26.8%
Operating margin-4.0%
Equity ratio-9.9%
Balance-sheet contextLatest financial period
Other operating income€0Previous: €3,605
Cash and bank€2,170Previous: €1,432
Retained earnings-€4,026Previous: -€3,797
Equity-€2,232Previous: €3,974
Liabilities€24,797Previous: €9,641
Current assets€18,580Previous: €8,507
Current liabilities€14,772Previous: €9,641
Revenue trend2 periods
€85,384
2024-03-31
€108,309
2025-03-31
Operating profit (loss) trend2 periods
-€257
2024-03-31
-€4,290
2025-03-31
Profit (loss) for the financial year trend2 periods
-€229
2024-03-31
-€6,206
2025-03-31
Assets trend2 periods
€13,615
2024-03-31
€22,565
2025-03-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
0/100 · Declining
Current ratioWeak
5/100 · Stable
Operating profit marginWeak
40/100 · Declining
Ratio history
| Ratio | 2024-03-31 | 2025-03-31 |
|---|---|---|
| Equity ratio | 29.2 % | -9.9 % |
| Current ratio | 0.15x | 0.15x |
| Operating profit margin | -0.3 % | -4.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0413653-8
VAT IDFI04136538
EU IDFIFPRO.0413653-8
MunicipalityLapinjärvi
Current registered entries
1951-11-16Registered in Patent and Registration Office (Trade Register)
1981-04-17Registered in Tax Administration (Tax Administration)
2000-11-15VAT-liable for business activity in Tax Administration (VAT Register)
2000-11-15Registered in Tax Administration (Prepayment Register)
2000-12-01Registered in Tax Administration (Employer 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
C
Elevated riskTilikeskus Saagel Oy
Grade downgradedA3 → C · new analysis 2026-09-19
36/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
3 comparable periodsRevenueImproving
LiquidityStable
Same size nationallyDescriptive comparison – does not change the model score.
351 peersSolvency8%
Below 92% of peers
Profitability14%
Below 86% of peers
Liquidity36%
Below 64% of peers
Revenue growth85%
Better than 85% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings16 days after period end
68 days after period end
3 consecutive periods
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
- Long registry continuity
Risk factors to note
- Negative equity
- Weak current ratio
- Negative profitability or net result
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsC
2026-09-19 23:1936/100 · v0.14
A3 → C · -40 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-03-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
A3
2026-09-1476/100 · v0.14
A3 → A3A3
2026-09-1476/100 · v0.13
B1 → A3 · +10 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
2026-09-1366/100 · v0.12
Oldest retained automatic assessment in this comparisonC
2026-09-19
open-risk-grade-v0.14
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
85/100
Industry context is low based on normalized open statistical inputs.
Age and continuityVakiintunut
97/100
The company has about 74 years of registry continuity.
Registry and status signalsVakaa
78/100
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
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Registry timeline
Trade register notifications shown on a timeline.
16 register eventsLatest event: 2025-04-16
Financial statements availability
Available financial statement periods and PRH source filings.
3 financial statement periodsLatest financial period: 2025-03-31
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
Tilikeskus Saagel Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.