Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
TJ Invest&Consulting Oy
TJ Invest&Consulting Oy's registered office is Vesilahti. It is a limited company. The company was established on 2019-11-28. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €26,175 and operating profit was -€2,204.
Business ID 3101411-4ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3101411-4
- Sector
- Business and other management consultancy activities
- Municipality
- Vesilahti
- Company form
- Limited company
- Registration date
- 2019-11-28
- Business ID registration date
- 2019-11-26
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kalsinraitti 4, 37420, Vesilahti
Website: https://www.caarni.fiSource observation
About TJ Invest&Consulting Oy
Financial position and key figures for the company.
TJ Invest&Consulting Oy's location municipality is Vesilahti. It is a limited company. The company was established on 2019-11-28. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €26,175 and operating profit was -€2,204. The latest retained financial statement for 2025-12-31 shows revenue of €26,175 and profit for the financial year of -€2,430. Based on the latest retained statement, revenue growth was -21.8%, operating margin was -8.4%, and equity ratio was +25.6%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-21.8%
Operating margin-8.4%
Equity ratio25.6%
Balance-sheet contextLatest financial period
Other operating income€3,660Previous: €9,720
Inventory€16,610Previous: €15,120
Cash and bank€674Previous: €2,901
Retained earnings€8,747Previous: €8,910
Equity€6,317Previous: €8,747
Liabilities€18,377Previous: €12,221
Current assets€24,694Previous: €20,968
Current liabilities€16,710Previous: €12,221
Revenue trend2 periods
€41,309
2023-12-31
€26,175
2025-12-31
Operating profit (loss) trend2 periods
€741
2023-12-31
-€2,204
2025-12-31
Profit (loss) for the financial year trend2 periods
€391
2023-12-31
-€2,430
2025-12-31
Assets trend2 periods
€10,769
2023-12-31
€24,694
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioPassable
32/100 · Declining
Current ratioSatisfactory
34/100 · Improving
Operating profit marginWeak
32/100 · Declining
Ratio history
| Ratio | 2023-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 82.7 % | 25.6 % |
| Current ratio | 0.66x | 1.03x |
| Operating profit margin | 1.8 % | -7.4 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3101411-4
VAT IDFI31014114
EU IDFIFPRO.3101411-4
MunicipalityVesilahti
Current registered entries
2019-11-26VAT-liable for business activity in Tax Administration (VAT Register)
2019-11-26Registered in Tax Administration (Prepayment Register)
2019-11-28Registered in Tax Administration (Tax Administration)
2019-11-28Registered in Patent and Registration Office (Trade 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
B2
SatisfactoryTJ Invest&Consulting Oy
Grade unchangedB2 · new analysis 2026-10-18
53/100
High
Strong financial evidenceFinancial data included
Same industry, size and age groupDescriptive comparison – does not change the model score.
146 peersSolvency32%
Below 68% of peers
Profitability26%
Below 74% of peers
Liquidity68%
Better than 68% of peers
Revenue growth32%
Below 68% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings118 days after period end
92 days after period end
1 consecutive periods
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Negative profitability or net result
- Sharp year-over-year revenue drop
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB2
2026-10-1853/100 · v0.15
B2 → B2B2
2026-09-29 04:1253/100 · v0.14
B1 → B2 · -10 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
2026-09-1563/100 · v0.14
B1 → B1 · +3 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
2026-09-1460/100 · v0.12
Oldest retained automatic assessment in this comparisonB2
2026-10-18
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 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
64/100
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
29 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.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.
10 register eventsLatest event: 2026-04-28
Financial statements availability
Available financial statement periods and PRH source filings.
2 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
TJ Invest&Consulting Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.