Business profile

Tobek Oy

Tobek Oy's registered office is Ii. It is a limited company. The company was established on 2021-12-03. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €64,572 and operating profit was -€5,001.

Claim profileContact details
Business ID 3251675-7ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3251675-7
Sector
Activities of insurance agents and brokers
Municipality
Ii
Company form
Limited company
Registration date
2021-12-03
Business ID registration date
2021-11-30
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: kuovikuja 4, 91100, Ii

Postal address: Kuovikuja 4, 91100, Ii

About Tobek Oy

Financial position and key figures for the company.

Tobek Oy's location municipality is Ii. It is a limited company. The company was established on 2021-12-03. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €64,572 and operating profit was -€5,001. The latest retained financial statement for 2025-12-31 shows revenue of €64,572 and profit for the financial year of -€5,789. Based on the latest retained statement, revenue growth was -12.5%, operating margin was -7.7%, and equity ratio was +74.7%.

Financial highlights

Key figures from the latest financial period.

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Latest financial period

2025-12-31

Imported periods3
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-12.5%
Operating margin-7.7%
Equity ratio74.7%
Revenue€64,572-€9,240 (-12.5%) vs previous periodPrevious: €73,811
Operating profit (loss)-€5,001-€11,759 (-174.0%) vs previous periodPrevious: €6,758
Profit (loss) for the financial year-€5,789-€11,182 (-207.3%) vs previous periodPrevious: €5,393
Assets€7,096-€6,516 (-47.9%) vs previous periodPrevious: €13,611
Balance-sheet contextLatest financial period
Cash and bank€1,671Previous: €9,694
Retained earnings€11,089Previous: €5,696
Equity€5,300Previous: €11,089
Liabilities€1,796Previous: €2,522
Current assets€2,653Previous: €9,962
Current liabilities€1,796Previous: €2,522
Revenue trend2 periods
€73,811
2024-12-31
€64,572
2025-12-31
Operating profit (loss) trend2 periods
€6,758
2024-12-31
-€5,001
2025-12-31
Profit (loss) for the financial year trend2 periods
€5,393
2024-12-31
-€5,789
2025-12-31
Assets trend2 periods
€13,611
2024-12-31
€7,096
2025-12-31

Financial ratios

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

Equity ratioGood
93/100 · Declining
74.7 %2024-12-31: 81.5 %
Current ratioPassable
31/100 · Declining
0.93x2024-12-31: 3.84x
Operating profit marginWeak
31/100 · Declining
-7.8 %2024-12-31: 9.2 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio81.5 %74.7 %
Current ratio3.84x0.93x
Operating profit margin9.2 %-7.8 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3251675-7
EU IDFIFPRO.3251675-7
MunicipalityIi
Current registered entries
2021-12-03Registered in Patent and Registration Office (Trade Register)
2021-12-07Registered in Tax Administration (Tax Administration)
2022-01-10Registered 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
B2
SatisfactoryTobek Oy
Grade unchangedB2 · new analysis 2026-09-18
Model score52/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
3 comparable periods
RevenueDeteriorating
ProfitabilityDeteriorating
SolvencyDeteriorating
LiquidityDeteriorating
Peer comparisonNational Tier 1 comparisonDescriptive comparison – does not change the model score.
137 peers
Solvency66%
Better than 66% of peers
Profitability15%
Below 85% of peers
Liquidity64%
Better than 64% of peers
Revenue growth24%
Below 76% 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.
3 observed filings
Latest registration lag34 days after period end
Typical registration lag35 days after period end
Annual continuity3 consecutive periods
Supporting factors
  • Strong equity ratio
  • Company context reduces the weight of an isolated financial signal
  • Active registered status
Risk factors to note
  • Weak current ratio
  • Negative profitability or net result
  • Coordinated deterioration across 4 financial domains
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
B2
2026-09-18 05:2452/100 · v0.14
B2 → B2 · -6 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.
B2
2026-09-1458/100 · v0.14
B2 → B2
B2
2026-09-1458/100 · v0.13
B2 → B2 · +1 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
2026-09-1357/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB2
Automatic model snapshot2026-09-18
Automatic model versionopen-risk-grade-v0.14
Financial data included

The grade can use open digital financial statement data together with registry signals.

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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
35/100

The company has about 4 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
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.

Registry timeline

Trade register notifications shown on a timeline.

6 register eventsLatest event: 2026-02-03

Financial statements availability

Available financial statement periods and PRH source filings.

3 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

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