Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
ToivoCo Oy
ToivoCo Oy's registered office is Ilmarinen. It is a limited company. The company was established on 2015-08-19. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €32,524 and operating profit was €1,843.
Business ID 2703793-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2703793-8
- Sector
- Business and other management consultancy activities
- Municipality
- Ilmarinen
- Company form
- Limited company
- Registration date
- 2015-08-19
- Business ID registration date
- 2015-08-10
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Kettupolku 4b, 21350, Ilmarinen
Phone: +358400514272Source observation
Email: [email protected]Source observation
Website: https://www.toivoco.fiSource observation
People and decision-makers
Toivonen Juha Teppo NikolaiVarsinainen jäsen
Email: Email available for logged-in usersSource: company website
Phone: Phone available for logged-in usersSource: company website
Direct contact details available for logged-in usersSome person-level contact details are shown only to registered users. The data is based on public sources, such as the company's own website.Log in to view decision-maker contact details
About ToivoCo Oy
Financial position and key figures for the company.
ToivoCo Oy's location municipality is Ilmarinen. It is a limited company. The company was established on 2015-08-19. It operates in the industry of business and other management consultancy activities. In its latest retained statement for 2025-12-31, revenue was €32,524 and operating profit was €1,843. The latest retained financial statement for 2025-12-31 shows revenue of €32,524 and profit for the financial year of €1,392. Based on the latest retained statement, revenue growth was -71.5%, operating margin was +5.3%, and equity ratio was +94.7%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimiala on liikkeenjohdon konsultointi, erityisesti logistiikkaan ja lvi-alaan liittyvä konsultointi ja rakennustarvikkeiden maahantuonti ja jälleenmyynti, sekä kaikki muu laillinen liiketoiminta.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
3
2
Combined source
Derived indicators
Revenue growth-71.5%
Operating margin5.3%
Equity ratio94.7%
Balance-sheet contextLatest financial period
Other operating income€2,171Previous: €0
Inventory€1,311Previous: €5,778
Cash and bank€45,280Previous: €39,531
Retained earnings€43,680Previous: €38,332
Profit before taxes€1,740Previous: €11,104
Equity€47,572Previous: €49,980
Liabilities€2,666Previous: €6,821
Current assets€49,666Previous: €46,964
Current liabilities€2,666Previous: €6,821
Employees0Previous: 1
Revenue trend5 periods
€107,573
2021-12-31
€170,420
2022-12-31
€158,079
2023-12-31
€113,912
2024-12-31
€32,524
2025-12-31
Operating profit (loss) trend5 periods
€5,738
2021-12-31
€9,140
2022-12-31
€18,033
2023-12-31
€12,892
2024-12-31
€1,843
2025-12-31
Profit (loss) for the financial year trend5 periods
€4,984
2021-12-31
€6,985
2022-12-31
€13,860
2023-12-31
€9,148
2024-12-31
€1,392
2025-12-31
Assets trend5 periods
€34,599
2021-12-31
€76,109
2022-12-31
€64,964
2023-12-31
€56,801
2024-12-31
€50,237
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioGood
100/100 · Improving
Current ratioGood
100/100 · Improving
Operating profit marginSatisfactory
63/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 80.9 % | 43.3 % | 68.0 % | 88.0 % | 94.7 % |
| Current ratio | - | - | - | 6.64x | 17.48x |
| Operating profit margin | 5.3 % | 5.4 % | 11.4 % | 11.3 % | 5.3 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2703793-8
VAT IDFI27037938
EU IDFIFPRO.2703793-8
MunicipalityIlmarinen
Current registered entries
2015-08-06VAT-liable for business activity in Tax Administration (VAT Register)
2015-08-10Registered in Tax Administration (Prepayment Register)
2015-08-19Registered in Patent and Registration Office (Trade Register)
2015-08-26Registered in Tax Administration (Tax Administration)
Responsible people
Public role relationships materialized from source observations.
Direct contact details available for logged-in users.
Toivonen Juha Teppo NikolaiVarsinainen jäsenSources: 5 · Confidence: 78%
Heikkinen Rita JohannaVarajäsenSources: 2 · 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
A3
GoodToivoCo Oy
Grade unchangedA3 · new analysis 2026-10-15
76/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
4 comparable periodsSolvencyImproving · 3 consecutive periods
LiquidityImproving
Same industry, size and age groupDescriptive comparison – does not change the model score.
68 peersSolvency68%
Better than 68% of peers
Profitability57%
Better than 57% of peers
Liquidity87%
Better than 87% of peers
Revenue growth19%
Below 81% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings92 days after period end
92 days after period end
3 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Sharp year-over-year revenue drop
- Coordinated deterioration across 2 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessmentsA3
2026-10-15 14:3176/100 · v0.14
A3 → A3 · +4 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Assessment confidence: Medium → High.
- Evidence quality: Usable financial evidence → Strong financial evidence.
A3
2026-09-1572/100 · v0.14
A3 → A3- Revenue: Deteriorating
- Profitability: Deteriorating
- Solvency: Improving
A3
2026-09-1472/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
2026-10-15
open-risk-grade-v0.14
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
72/100
Industry context is low based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 11 years of registry continuity.
Registry and status signalsSeurattava
74/100
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 A3.Registry timeline
Trade register notifications shown on a timeline.
12 register eventsLatest event: 2026-04-02
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
ToivoCo Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.