Risk grade updatedRisk gradeEvidence verified
20 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
Toivo Invest Oy
Toivo Invest Oy's registered office is Nakkila. It is a limited company. The company was established on 2024-09-13. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c..
Business ID 3473362-4ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3473362-4
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Nakkila
- Company form
- Limited company
- Registration date
- 2024-09-13
- Business ID registration date
- 2024-09-04
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Mäkirinnantie 44, 29250, Nakkila
People and decision-makers
Hyökyvirta Sampo ToivoVarsinainen jäsen
Hyökyvirta Sari JohannaVarajäsen
About Toivo Invest Oy
Financial position and key figures for the company.
Toivo Invest Oy's location municipality is Nakkila. It is a limited company. The company was established on 2024-09-13. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +67.6%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Equity ratio67.6%
Operating profit (loss)€37,676+€41,275 (+1146.9%) vs previous periodPrevious: -€3,599
Profit (loss) for the financial year€20,526+€23,413 (+811.0%) vs previous periodPrevious: -€2,887
Assets€26,077+€15,379 (+143.8%) vs previous periodPrevious: €10,698
Balance-sheet contextLatest financial period
Profit before taxes€24,935Previous: -€2,887
Employees12Previous: No comparison value
Operating profit (loss) trend2 periods
-€3,599
2024-12-31
€37,676
2025-12-31
Profit (loss) for the financial year trend2 periods
-€2,887
2024-12-31
€20,526
2025-12-31
Assets trend2 periods
€10,698
2024-12-31
€26,077
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
85/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | -27.0 % | 67.6 % |
| Current ratio | - | - |
| Operating profit margin | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3473362-4
EU IDFIFPRO.3473362-4
MunicipalityNakkila
Current registered entries
2024-09-13Registered in Tax Administration (Tax Administration)
2024-09-13Registered in Patent and Registration Office (Trade Register)
2026-01-31Registered in Tax Administration (Prepayment Register)
Responsible people
Public role relationships materialized from source observations.
Hyökyvirta Sampo ToivoVarsinainen jäsenSources: 3 · Confidence: 78%
Hyökyvirta Sari JohannaVarajäsenSources: 3 · Confidence: 78%
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
SatisfactoryToivo Invest Oy
Grade downgradedB1 → B2 · new analysis 2026-10-20
55/100
Medium
Limited financial evidenceRegistry and statistics based
Financial development is mostly stable or mixed.
2 comparable periodsRevenueNot enough history
ProfitabilityNot enough history
SolvencyImproving
LiquidityNot enough history
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- Lower industry distress context
Risk factors to note
- Sufficient structured financial metrics are not available
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB2
2026-10-2055/100 · v0.15
B1 → B2 · -13 points- Assessment confidence: Low → Medium.
- Evidence quality: Usable financial evidence → Limited financial evidence.
- New risk factor: Sufficient structured financial metrics are not available.
B1
2026-09-2868/100 · v0.14
Oldest retained automatic assessment in this comparisonB2
2026-10-20
open-risk-grade-v0.15
The grade uses registry, industry, and regional signals because sufficient source-backed financial metrics are not available for a Tier 1 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 riskvery low
89/100
Industry context is very 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
35/100
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
28 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
5 register eventsLatest event: 2026-03-19
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-03-25.
This company profile has not been claimed yet
Toivo Invest Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.