Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
TMV Sijoitus Oy
TMV Sijoitus Oy's registered office is Oulu. It is a limited company. The company was established on 2011-12-02. It operates in the industry of security and commodity contracts brokerage. In its latest retained statement for 2024-12-31, revenue was €17,608 and operating profit was €47,220.
Business ID 2442950-6ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2442950-6
- Sector
- Security and commodity contracts brokerage
- Municipality
- Oulu
- Company form
- Limited company
- Registration date
- 2011-12-02
- Business ID registration date
- 2011-11-18
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Moreenikuja 3, 90630, Oulu
About TMV Sijoitus Oy
Financial position and key figures for the company.
TMV Sijoitus Oy's location municipality is Oulu. It is a limited company. The company was established on 2011-12-02. It operates in the industry of security and commodity contracts brokerage. In its latest retained statement for 2024-12-31, revenue was €17,608 and operating profit was €47,220. The latest retained financial statement for 2024-12-31 shows revenue of €17,608 and profit for the financial year of €39,791. Based on the latest retained statement, revenue growth was -16.5%, operating margin was +268.2%, and equity ratio was +45.8%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2024-12-31
3
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-16.5%
Operating margin268.2%
Equity ratio45.8%
Balance-sheet contextLatest financial period
Other operating income€88,728Previous: €0
Cash and bank€50,734Previous: €14,481
Retained earnings€840Previous: €51,375
Equity€43,131Previous: €42,340
Liabilities€51,055Previous: €5,720
Current assets€65,676Previous: €14,481
Current liabilities€51,055Previous: €5,720
Revenue trend2 periods
€21,093
2023-12-31
€17,608
2024-12-31
Operating profit (loss) trend2 periods
-€9,917
2023-12-31
€47,220
2024-12-31
Profit (loss) for the financial year trend2 periods
-€11,535
2023-12-31
€39,791
2024-12-31
Assets trend2 periods
€48,060
2023-12-31
€94,186
2024-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioSatisfactory
57/100 · Declining
Current ratioPassable
33/100 · Declining
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2023-12-31 | 2024-12-31 |
|---|---|---|
| Equity ratio | 88.1 % | 45.8 % |
| Current ratio | 2.53x | 0.99x |
| Operating profit margin | -47.0 % | 44.4 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2442950-6
EU IDFIFPRO.2442950-6
MunicipalityOulu
Current registered entries
2011-11-24Registered in Tax Administration (Tax Administration)
2011-12-02Registered 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
A3
GoodTMV Sijoitus Oy
Grade unchangedA3 · new analysis 2026-10-17
72/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
3 comparable periodsProfitabilityImproving
Same industry, size and age groupDescriptive comparison – does not change the model score.
61 peersSolvency28%
Below 72% of peers
Profitability77%
Better than 77% of peers
Liquidity62%
Better than 62% of peers
Revenue growth30%
Below 70% of peers
MixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings277 days after period end
242 days after period end
3 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Weak current ratio
- Coordinated deterioration across 3 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1772/100 · v0.15
A3 → A3A3
2026-09-22 04:5972/100 · v0.14
B1 → A3 · +4 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2024-12-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1468/100 · v0.14
B1 → B1 · +6 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
2026-09-1362/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
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 riskvery low
88/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 14 years of registry continuity.
Registry and status signalsRajallinen
49/100
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
22 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Risk grade updatedRisk gradeEvidence verified
13 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
9 register eventsLatest event: 2025-10-04
Financial statements availability
Available financial statement periods and PRH source filings.
3 financial statement periodsLatest financial period: 2024-12-31
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
TMV Sijoitus Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.