Business profile

Toivo LKV Oy

Toivo LKV Oy's registered office is Oulu. It is a limited company. The company was established on 2020-04-29. It operates in the industry of intermediation service activities for real estate activities. In its latest retained statement for 2023-05-31, revenue was €492,838 and operating profit was €11,118.

Claim profileContact details
Business ID 3132694-3ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3132694-3
Sector
Intermediation service activities for real estate activities
Municipality
Oulu
Company form
Limited company
Registration date
2020-04-29
Business ID registration date
2020-04-24
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Kajaaninkatu 25 M 1, 90100, Oulu

Website: https://www.toivolkv.fiSource observation

About Toivo LKV Oy

Financial position and key figures for the company.

Toivo LKV Oy's location municipality is Oulu. It is a limited company. The company was established on 2020-04-29. It operates in the industry of intermediation service activities for real estate activities. In its latest retained statement for 2023-05-31, revenue was €492,838 and operating profit was €11,118. The latest retained financial statement for 2023-05-31 shows revenue of €492,838 and profit for the financial year of €3,366. Based on the latest retained statement, revenue growth was +37.5%, operating margin was +2.3%, and equity ratio was +22.9%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2023-05-31

Imported periods3
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth37.5%
Operating margin2.3%
Equity ratio22.9%
Revenue€492,838+€134,390 (+37.5%) vs previous periodPrevious: €358,448
Operating profit (loss)€11,118-€1,809 (-14.0%) vs previous periodPrevious: €12,926
Profit (loss) for the financial year€3,366-€3,945 (-54.0%) vs previous periodPrevious: €7,311
Assets€161,726+€24,694 (+18.0%) vs previous periodPrevious: €137,032
Balance-sheet contextLatest financial period
Cash and bank€52,134Previous: €30,838
Retained earnings€33,670Previous: €26,359
Equity€37,036Previous: €33,670
Liabilities€124,690Previous: €103,362
Current assets€77,135Previous: €42,081
Current liabilities€89,527Previous: €60,856
Revenue trend2 periods
€358,448
2022-05-31
€492,838
2023-05-31
Operating profit (loss) trend2 periods
€12,926
2022-05-31
€11,118
2023-05-31
Profit (loss) for the financial year trend2 periods
€7,311
2022-05-31
€3,366
2023-05-31
Assets trend2 periods
€137,032
2022-05-31
€161,726
2023-05-31

Financial ratios

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

Equity ratioPassable
29/100 · Declining
22.9 %2022-05-31: 24.6 %
Current ratioPassable
19/100 · Improving
0.58x2022-05-31: 0.51x
Operating profit marginPassable
56/100 · Declining
2.3 %2022-05-31: 3.6 %
Ratio history
Ratio2022-05-312023-05-31
Equity ratio24.6 %22.9 %
Current ratio0.51x0.58x
Operating profit margin3.6 %2.3 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3132694-3
VAT IDFI31326943
EU IDFIFPRO.3132694-3
MunicipalityOulu
Current registered entries
2020-04-24Registered in Tax Administration (Employer Register)
2020-04-24VAT-liable for business activity in Tax Administration (VAT Register)
2020-04-24Registered in Tax Administration (Prepayment Register)
2020-04-29Registered in Tax Administration (Tax Administration)
2020-04-29Registered 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
B2
SatisfactoryToivo LKV Oy
Grade unchangedB2 · new analysis 2026-10-17
Model score57/100
Assessment confidenceLow
Evidence qualityUsable financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
3 comparable periods
RevenueImproving
ProfitabilityStable
SolvencyStable
LiquidityStable
Peer comparisonSame industry, size and age groupDescriptive comparison – does not change the model score.
71 peers
Solvency31%
Below 69% of peers
Profitability24%
Below 76% of peers
Liquidity62%
Better than 62% of peers
Revenue growth72%
Better than 72% 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 lag163 days after period end
Typical registration lag157 days after period end
Annual continuity3 consecutive periods
Supporting factors
  • Active registered status
  • A newer financial statement filing has been reported
Risk factors to note
  • Parsed financial metrics are older than the newest reported filing
  • Weak current ratio
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
B2
2026-10-1757/100 · v0.15
B2 → B2
B2
2026-09-22 05:5157/100 · v0.14
B2 → B2 · -1 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2023-05-31).
  • Assessment confidence: Medium → Low.
  • Evidence quality: Registry and statistical evidence → Usable financial evidence.
B2
2026-09-1458/100 · v0.14
B2 → B2 · +2 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
2026-09-1356/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB2
Automatic model snapshot2026-10-17
Automatic model versionopen-risk-grade-v0.15
Financial data included

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

Verify 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 riskmedium
53/100

Industry context is medium based on normalized open statistical inputs.

Age and continuityHyvä
60/100

The company has about 6 years of registry continuity.

Registry and status signalsSeurattava
61/100

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
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.
Risk grade updatedRisk gradeEvidence verified
13 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.

Registry timeline

Trade register notifications shown on a timeline.

11 register eventsLatest event: 2026-01-23

Financial statements availability

Available financial statement periods and PRH source filings.

3 financial statement periodsLatest financial period: 2023-05-31

Profile source and ownership

Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-04-03.

This company profile has not been claimed yet

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