Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
Toimiva HW Talo Oy
Toimiva HW Talo Oy's registered office is Nurmijärvi. It is a limited company. The company was established on 1992-08-26. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2024-09-30, revenue was €268,950 and operating profit was €2,398.
Business ID 0894937-6ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 0894937-6
- Sector
- Construction of residential and non-residential buildings
- Municipality
- Nurmijärvi
- Company form
- Limited company
- Registration date
- 1992-08-26
- Business ID registration date
- 1992-08-12
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kulomäentie 130, 01900, Nurmijärvi
About Toimiva HW Talo Oy
Financial position and key figures for the company.
Toimiva HW Talo Oy's location municipality is Nurmijärvi. It is a limited company. The company was established on 1992-08-26. It operates in the industry of construction of residential and non-residential buildings. In its latest retained statement for 2024-09-30, revenue was €268,950 and operating profit was €2,398. The latest retained financial statement for 2024-09-30 shows revenue of €268,950 and profit for the financial year of -€347. Based on the latest retained statement, revenue growth was -6.4%, operating margin was +0.9%, and equity ratio was +29.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2024-09-30
2
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-6.4%
Operating margin0.9%
Equity ratio29.0%
Balance-sheet contextLatest financial period
Other operating income€1,530Previous: €330
Cash and bank€20,803Previous: €13,128
Advances received€70Previous: €0
Retained earnings€11,697Previous: -€11,273
Equity€27,331Previous: €30,052
Liabilities€67,076Previous: €54,726
Current assets€42,982Previous: €43,747
Current liabilities€36,249Previous: €30,760
Revenue trend2 periods
€287,343
2023-09-30
€268,950
2024-09-30
Operating profit (loss) trend2 periods
€26,618
2023-09-30
€2,398
2024-09-30
Profit (loss) for the financial year trend2 periods
€25,343
2023-09-30
-€347
2024-09-30
Assets trend2 periods
€84,778
2023-09-30
€94,407
2024-09-30
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioPassable
36/100 · Declining
Current ratioPassable
19/100 · Improving
Operating profit marginPassable
52/100 · Declining
Ratio history
| Ratio | 2023-09-30 | 2024-09-30 |
|---|---|---|
| Equity ratio | 35.5 % | 29.0 % |
| Current ratio | 0.43x | 0.57x |
| Operating profit margin | 9.3 % | 0.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID0894937-6
VAT IDFI08949376
EU IDFIFPRO.0894937-6
MunicipalityNurmijärvi
Current registered entries
1992-08-12Registered in Tax Administration (Tax Administration)
1992-08-26Registered in Patent and Registration Office (Trade Register)
1995-03-01Registered in Tax Administration (Prepayment Register)
2002-02-01Registered in Tax Administration (Employer Register)
2002-02-01VAT-liable for business activity in Tax Administration (VAT 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
SatisfactoryToimiva HW Talo Oy
Grade unchangedB2 · new analysis 2026-10-17
58/100
Low
Usable financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
2 comparable periodsRevenueStable
LiquidityStable
Same industry, size and age groupDescriptive comparison – does not change the model score.
124 peersSolvency38%
Below 62% of peers
Profitability35%
Below 65% of peers
Liquidity56%
Better than 56% of peers
Revenue growth35%
Below 65% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
2 observed filings121 days after period end
126 days after period end
2 consecutive periods
Supporting factors
- Active registered status
- A newer financial statement filing has been reported
- Long registry continuity
Risk factors to note
- Parsed financial metrics are older than the newest reported filing
- Weak current ratio
- Negative profitability or net result
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB2
2026-10-1758/100 · v0.15
B2 → B2B2
2026-09-18 02:4458/100 · v0.14
B1 → B2 · -2 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2024-09-30).
- Assessment confidence: Medium → Low.
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1460/100 · v0.14
B1 → B1B1
2026-09-1460/100 · v0.13
Oldest retained automatic assessment in this comparisonB2
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 riskhigh
25/100
Industry context is high based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 34 years of registry continuity.
Registry and status signalsVakaa
82/100
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
18 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
16 register eventsLatest event: 2026-07-23
Financial statements availability
Available financial statement periods and PRH source filings.
2 financial statement periodsLatest financial period: 2024-09-30
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
Toimiva HW Talo Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.