Business profile

TM Insurance Oy

TM Insurance Oy's registered office is Helsingfors. It is a limited company. The company was established on 2024-08-08. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €62,301 and operating profit was -€51.

Claim profileContact details
Business ID 3466829-5ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3466829-5
Sector
Activities of insurance agents and brokers
Municipality
Helsingfors
Company form
Limited company
Registration date
2024-08-08
Business ID registration date
2024-08-06
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Melkonkatu 9 B 41, 00210, Helsingfors

About TM Insurance Oy

Financial position and key figures for the company.

TM Insurance Oy's location municipality is Helsingfors. It is a limited company. The company was established on 2024-08-08. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €62,301 and operating profit was -€51. The latest retained financial statement for 2025-12-31 shows revenue of €62,301 and profit for the financial year of -€40. Based on the latest retained statement, revenue growth was +434.6%, operating margin was -0.1%, and equity ratio was +100.0%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods2
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth434.6%
Operating margin-0.1%
Equity ratio100.0%
Revenue€62,301+€50,648 (+434.6%) vs previous periodPrevious: €11,654
Operating profit (loss)-€51-€870 (-106.2%) vs previous periodPrevious: €820
Profit (loss) for the financial year-€40-€686 (-106.2%) vs previous periodPrevious: €646
Assets€606-€214 (-26.1%) vs previous periodPrevious: €820
Balance-sheet contextLatest financial period
Cash and bank€606Previous: €820
Retained earnings€646Previous: €0
Equity€606Previous: €646
Liabilities€0Previous: €174
Current assets€606Previous: €820
Current liabilities€0Previous: €174
Revenue trend2 periods
€11,654
2024-12-31
€62,301
2025-12-31
Operating profit (loss) trend2 periods
€820
2024-12-31
-€51
2025-12-31
Profit (loss) for the financial year trend2 periods
€646
2024-12-31
-€40
2025-12-31
Assets trend2 periods
€820
2024-12-31
€606
2025-12-31

Financial ratios

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

Equity ratioGood
100/100 · Improving
100.0 %2024-12-31: 78.8 %
Current ratioNot assessable
0/100 · Trend unavailable
Not available2024-12-31: 4.71x
Operating profit marginWeak
50/100 · Declining
-0.1 %2024-12-31: 7.0 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio78.8 %100.0 %
Current ratio4.71x-
Operating profit margin7.0 %-0.1 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3466829-5
EU IDFIFPRO.3466829-5
MunicipalityHelsingfors
Current registered entries
2024-08-06Registered in Tax Administration (Prepayment Register)
2024-08-08Registered in Tax Administration (Tax Administration)
2024-08-08Registered 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
B1
StableTM Insurance Oy
Grade unchangedB1 · new analysis 2026-10-17
Model score66/100
Assessment confidenceMedium
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
2 comparable periods
RevenueImproving
ProfitabilityDeteriorating
SolvencyImproving
LiquidityNot enough history
Peer comparisonSame industry and sizeDescriptive comparison – does not change the model score.
79 peers
Solvency97%
Better than 97% of peers
Profitability38%
Below 62% of peers
Revenue growth99%
Better than 99% 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.
2 observed filings
Latest registration lag8 days after period end
Typical registration lag23 days after period end
Annual continuity2 consecutive periods
Supporting factors
  • Strong equity ratio
  • Active registered status
  • A newer financial statement filing has been reported
Risk factors to note
  • Negative profitability or net result
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
B1
2026-10-1766/100 · v0.15
B1 → B1
B1
2026-09-24 18:5666/100 · v0.14
B2 → B1 · +13 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B2
2026-09-1553/100 · v0.14
B2 → B2 · -2 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
2026-09-1455/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB1
Automatic model snapshot2026-10-17
Automatic model versionopen-risk-grade-v0.15
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 continuityNuori
15/100

The company has about 2 years of registry continuity.

Registry and status signalsRajallinen
37/100

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
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.
Risk grade updatedRisk gradeEvidence verified
24 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → B1.
Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.

Registry timeline

Trade register notifications shown on a timeline.

4 register eventsLatest event: 2026-01-08

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

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