Business profile

tipetu Oy

tipetu Oy's registered office is Vanda. It is a limited company. The company was established on 2017-10-10. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €300,414 and operating profit was €190,034.

Business ID 2860677-6ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
2860677-6
Sector
Activities of insurance agents and brokers
Municipality
Vanda
Company form
Limited company
Registration date
2017-10-10
Business ID registration date
2017-10-05
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Vanha Porvoontie 376 E 9, 01490, Vanda

Postal address: Kirkkokatu 8 as. 9, 90100, Oulu

About tipetu Oy

Financial position and key figures for the company.

tipetu Oy's location municipality is Vanda. It is a limited company. The company was established on 2017-10-10. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €300,414 and operating profit was €190,034. The latest retained financial statement for 2025-12-31 shows revenue of €300,414 and profit for the financial year of €155,349. Based on the latest retained statement, revenue growth was -9.9%, operating margin was +63.3%, and equity ratio was +83.4%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods7
PRH parsed3
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-9.9%
Operating margin63.3%
Equity ratio83.4%
Revenue€300,414-€33,174 (-9.9%) vs previous periodPrevious: €333,588
Operating profit (loss)€190,034+€21,201 (+12.6%) vs previous periodPrevious: €168,833
Profit (loss) for the financial year€155,349+€34,721 (+28.8%) vs previous periodPrevious: €120,628
Assets€726,192+€69,384 (+10.6%) vs previous periodPrevious: €656,808
Balance-sheet contextLatest financial period
Other operating income€74,008Previous: €44,381
Cash and bank€97,336Previous: €130,720
Advances received€0Previous: €1,492
Retained earnings€448,106Previous: €366,478
Equity€605,954Previous: €489,606
Liabilities€120,238Previous: €167,202
Current assets€138,560Previous: €187,139
Current liabilities€45,069Previous: €62,761
Revenue trend3 periods
€325,362
2023-12-31
€333,588
2024-12-31
€300,414
2025-12-31
Operating profit (loss) trend3 periods
€175,265
2023-12-31
€168,833
2024-12-31
€190,034
2025-12-31
Profit (loss) for the financial year trend3 periods
€127,074
2023-12-31
€120,628
2024-12-31
€155,349
2025-12-31
Assets trend3 periods
€571,315
2023-12-31
€656,808
2024-12-31
€726,192
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioGood
100/100 · Improving
83.4 %2024-12-31: 74.7 %
Current ratioGood
72/100 · Improving
2.16x2024-12-31: 2.08x
Operating profit marginGood
100/100 · Improving
50.8 %2024-12-31: 44.7 %
Ratio history
Ratio2023-12-312024-12-312025-12-31
Equity ratio70.2 %74.7 %83.4 %
Current ratio3.63x2.08x2.16x
Operating profit margin46.9 %44.7 %50.8 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID2860677-6
EU IDFIFPRO.2860677-6
MunicipalityVanda
Current registered entries
2017-10-10Registered in Tax Administration (Tax Administration)
2017-10-10Registered in Patent and Registration Office (Trade Register)
2020-07-13Registered in Tax Administration (Employer Register)
2020-07-13Registered in Tax Administration (Prepayment 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
A2
Very goodtipetu Oy
Grade upgradedB1 → A2 · new analysis 2026-09-24
Model score85/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
3 comparable periods
RevenueStable
ProfitabilityImproving
SolvencyImproving
LiquidityDeteriorating
Peer comparisonSame size nationallyDescriptive comparison – does not change the model score.
261 peers
Solvency79%
Better than 79% of peers
Profitability92%
Better than 92% of peers
Liquidity78%
Better than 78% of peers
Revenue growth21%
Below 79% of peers
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings
Latest registration lag50 days after period end
Typical registration lag60 days after period end
Annual continuity4 consecutive periods
Supporting factors
  • Strong equity ratio
  • Strong operating profitability
  • Healthy short-term liquidity
Risk factors to note

No material separate warning signals.

Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessments
A2
2026-09-24 15:4485/100 · v0.14
B1 → A2 · +19 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1566/100 · v0.14
B1 → 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.
B1
2026-09-1461/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeA2
Automatic model snapshot2026-09-24
Automatic model versionopen-risk-grade-v0.14
Financial data included

The grade can use open digital financial statement data together with registry signals.

Verify assessment

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 continuityHyvä
60/100

The company has about 9 years of registry continuity.

Registry and status signalsSeurattava
71/100

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
24 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A2.
Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.

Registry timeline

Trade register notifications shown on a timeline.

17 register eventsLatest event: 2026-02-19

Financial statements availability

Available financial statement periods and PRH source filings.

7 financial statement periodsLatest financial period: 2025-12-31

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

tipetu Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.