Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
TO Invest Oy
TO Invest Oy's registered office is Oulu. It is a limited company. The company was established on 2018-01-24. It operates in the industry of rental of own or leased dwellings and residential real estate. In its latest retained statement for 2025-12-31, revenue was €105,699 and operating profit was €23,711.
Business ID 2883787-3ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2883787-3
- Sector
- Rental of own or leased dwellings and residential real estate
- Municipality
- Oulu
- Company form
- Limited company
- Registration date
- 2018-01-24
- Business ID registration date
- 2018-01-17
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: pekankuja 22, 90800, Oulu
About TO Invest Oy
Financial position and key figures for the company.
TO Invest Oy's location municipality is Oulu. It is a limited company. The company was established on 2018-01-24. It operates in the industry of rental of own or leased dwellings and residential real estate. In its latest retained statement for 2025-12-31, revenue was €105,699 and operating profit was €23,711. The latest retained financial statement for 2025-12-31 shows revenue of €105,699 and profit for the financial year of €9,184. Based on the latest retained statement, revenue growth was +6.4%, operating margin was +22.4%, and equity ratio was +69.2%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth6.4%
Operating margin22.4%
Equity ratio69.2%
Balance-sheet contextLatest financial period
Cash and bank€5,545Previous: €12,744
Advances received€1,480Previous: €0
Retained earnings€197,114Previous: €205,143
Equity€616,798Previous: €607,614
Liabilities€274,123Previous: €302,220
Current assets€63,335Previous: €65,793
Current liabilities€36,493Previous: €40,412
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
87/100 · Improving
Current ratioWeak
5/100 · Declining
Operating profit marginGood
100/100 · Improving
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2883787-3
VAT IDFI28837873
EU IDFIFPRO.2883787-3
MunicipalityOulu
Current registered entries
2018-01-24Registered in Tax Administration (Tax Administration)
2018-01-24Registered in Patent and Registration Office (Trade Register)
2020-12-01VAT-obliged for the transfer of rights to use immovable property in Tax Administration (VAT Register)
2026-03-11Registered 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 goodTO Invest Oy
Grade unchangedA2 · new analysis 2026-10-17
80/100
Medium
Usable financial evidenceFinancial data included
Same size nationallyDescriptive comparison – does not change the model score.
200 peersSolvency68%
Better than 68% of peers
Profitability84%
Better than 84% of peers
Liquidity43%
Below 57% 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 filings34 days after period end
34 days after period end
1 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Active registered status
Risk factors to note
- Weak current ratio
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA2
2026-10-1780/100 · v0.15
A2 → A2A2
2026-09-15 13:3280/100 · v0.14
B1 → A2 · +13 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.
B1
2026-09-1467/100 · v0.14
B1 → B1B1
2026-09-1467/100 · v0.13
Oldest retained automatic assessment in this comparisonA2
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 continuityHyvä
60/100
The company has about 8 years of registry continuity.
Registry and status signalsSeurattava
72/100
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
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
12 register eventsLatest event: 2026-03-10
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 2026-03-11.
This company profile has not been claimed yet
TO Invest Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.