Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
TJ Nurmi Oy
TJ Nurmi Oy's registered office is Rovaniemi. It is a limited company. The company was established on 2024-12-03. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €71,604 and operating profit was €4,780.
Business ID 3494014-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3494014-8
- Sector
- Activities of insurance agents and brokers
- Municipality
- Rovaniemi
- Company form
- Limited company
- Registration date
- 2024-12-03
- Business ID registration date
- 2024-12-02
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Myrskypilventie 63, 96190, Rovaniemi
About TJ Nurmi Oy
Financial position and key figures for the company.
TJ Nurmi Oy's location municipality is Rovaniemi. It is a limited company. The company was established on 2024-12-03. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €71,604 and operating profit was €4,780. The latest retained financial statement for 2025-12-31 shows revenue of €71,604 and profit for the financial year of €3,666. Based on the latest retained statement, revenue growth was not currently available, operating margin was +6.7%, and equity ratio was +54.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Operating margin6.7%
Equity ratio54.9%
Balance-sheet contextLatest financial period
Cash and bank€727Previous: No comparison value
Equity€3,666Previous: No comparison value
Liabilities€3,015Previous: No comparison value
Current assets€6,681Previous: No comparison value
Current liabilities€3,015Previous: No comparison value
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
69/100 · Trend unavailable
Current ratioWeak
8/100 · Trend unavailable
Operating profit marginSatisfactory
67/100 · Trend unavailable
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3494014-8
EU IDFIFPRO.3494014-8
MunicipalityRovaniemi
Current registered entries
2024-12-03Registered in Tax Administration (Tax Administration)
2024-12-03Registered in Patent and Registration Office (Trade Register)
2026-02-01Registered 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
B1
StableTJ Nurmi Oy
Grade unchangedB1 · new analysis 2026-10-17
63/100
Medium
Usable financial evidenceFinancial data included
Same industry and sizeDescriptive comparison – does not change the model score.
113 peersSolvency40%
Below 60% of peers
Profitability58%
Better than 58% of peers
Liquidity40%
Below 60% of peers
Limited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings73 days after period end
73 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Active registered status
- A newer financial statement filing has been reported
Risk factors to note
- Weak current ratio
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB1
2026-10-1763/100 · v0.15
B1 → B1B1
2026-09-21 01:3263/100 · v0.14
B3 → B1 · +14 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B3
2026-09-1449/100 · v0.14
B2 → B3 · -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.
B2
2026-09-1354/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
2026-10-17
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
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityNuori
10/100
The company has about 1 years of registry continuity.
Registry and status signalsRajallinen
32/100
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
21 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3 → B1.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Risk grade updatedRisk gradeEvidence verified
13 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
4 register eventsLatest event: 2026-03-14
Financial statements availability
Available financial statement periods and PRH source filings.
1 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 2026-02-05.
This company profile has not been claimed yet
TJ Nurmi Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.