Risk grade updatedRisk gradeEvidence verified
21 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Business profile
Tools for finish oy
Tools for finish oy's registered office is Borgå. It is a limited company. The company was established on 2019-08-08. It operates in the industry of other miscellaneous educational n.e.c.. In its latest retained statement for 2025-12-31, revenue was €46,969 and operating profit was -€562.
Business ID 3015007-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3015007-7
- Sector
- Other miscellaneous educational n.e.c.
- Municipality
- Borgå
- Company form
- Limited company
- Registration date
- 2019-08-08
- Business ID registration date
- 2019-07-30
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: PL 51, 06101, Porvoo
Postal address: P.O. Box 51, 06101, Borgå
Email: [email protected]Source observation
Website: https://t4f.fiSource observation
Instagram profile: https://www.instagram.com/t4ffinlandSource: company website
Facebook profile: https://www.facebook.com/T4FFinlandSource: company website
People and decision-makers
Juven Lauri Veli-MattiPuheenjohtaja
Hanttu Pirkka IlariVarsinainen jäsen
Herd Mikko Otto AukustiVarajäsen
About Tools for finish oy
Financial position and key figures for the company.
Tools for finish oy's location municipality is Borgå. It is a limited company. The company was established on 2019-08-08. It operates in the industry of other miscellaneous educational n.e.c.. In its latest retained statement for 2025-12-31, revenue was €46,969 and operating profit was -€562. The latest retained financial statement for 2025-12-31 shows revenue of €46,969 and profit for the financial year of -€565. Based on the latest retained statement, revenue growth was +9.2%, operating margin was -1.2%, and equity ratio was +99.8%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Source observation
Derived indicators
Revenue growth9.2%
Operating margin-1.2%
Equity ratio99.8%
Revenue€46,969+€3,956 (+9.2%) vs previous periodPrevious: €43,013
Operating profit (loss)-€562+€4,537 (+89.0%) vs previous periodPrevious: -€5,099
Profit (loss) for the financial year-€565+€4,525 (+88.9%) vs previous periodPrevious: -€5,090
Assets€16,155-€3,147 (-16.3%) vs previous periodPrevious: €19,302
Balance-sheet contextLatest financial period
Employees12Previous: No comparison value
Revenue trend5 periods
€69,294
2021-12-31
€50,415
2022-12-31
€53,829
2023-12-31
€43,013
2024-12-31
€46,969
2025-12-31
Operating profit (loss) trend5 periods
€16,028
2021-12-31
€2,637
2022-12-31
€3,137
2023-12-31
-€5,099
2024-12-31
-€562
2025-12-31
Profit (loss) for the financial year trend5 periods
€12,784
2021-12-31
€2,044
2022-12-31
€2,502
2023-12-31
-€5,090
2024-12-31
-€565
2025-12-31
Assets trend5 periods
€23,957
2021-12-31
€21,186
2022-12-31
€26,204
2023-12-31
€19,302
2024-12-31
€16,155
2025-12-31
Additional financial figures
The company's financial figures across different years.
| Metric | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue | - | €46,969 | €43,013 | €53,829 | €50,415 | €69,294 |
| Revenue growth | - | 9,2 % | -20,1 % | 6,8 % | -27,2 % | 52,2 % |
| Operating profit | - | -€562 | -€5,099 | €3,137 | €2,637 | €16,028 |
| EBIT margin | - | -1,2 % | -11,9 % | 5,8 % | 5,2 % | 23,1 % |
| Profit for the financial year | - | -€565 | -€5,090 | €2,502 | €2,044 | €12,784 |
| Profit before taxes | - | - | - | €3,138 | €2,637 | €16,028 |
| Equity ratio | - | 99,9 % | 86,5 % | 83,2 % | 94,4 % | 75 % |
| Balance sheet total | - | €16,155 | €19,302 | €26,204 | €21,186 | €23,957 |
| Employees | 4 | 12 | - | - | - | - |
Financial ratios
Financial ratios based on financial statement data. Source: Lähdehavainto.
Equity ratioGood
100/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginWeak
47/100 · Improving
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 75.0 % | 94.4 % | 83.2 % | 86.5 % | 99.8 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | 23.1 % | 5.2 % | 5.8 % | -11.8 % | -1.2 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3015007-7
VAT IDFI30150077
EU IDFIFPRO.3015007-7
MunicipalityBorgå
Current registered entries
2019-07-30VAT-liable for business activity in Tax Administration (VAT Register)
2019-07-30Registered in Tax Administration (Prepayment Register)
2019-08-08Registered in Tax Administration (Tax Administration)
2019-08-08Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Juven Lauri Veli-MattiPuheenjohtajaSources: 5 · Confidence: 78%
Herd Mikko Otto AukustiVarajäsenSources: 2 · Confidence: 78%
Hanttu Pirkka IlariVarsinainen jäsenSources: 4 · Confidence: 78%
Petäistö Matias KristianOikeutettu nimenkirjoittajaSources: 1 · 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
B1
StableTools for finish oy
Grade downgradedA3 → B1 · new analysis 2026-10-21
69/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsProfitabilityVolatile
SolvencyImproving
LiquidityNot enough history
Same industry, size and age groupDescriptive comparison – does not change the model score.
30 peersSolvency97%
Better than 97% of peers
Profitability50%
Close to the peer-group midpoint
Revenue growth77%
Better than 77% of peers
Supporting factors
- Strong equity ratio
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
- Negative profitability or net result
- Losses in the latest and previous available periods
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB1
2026-10-2169/100 · v0.15
A3 → B1 · -1 points- Evidence quality: Strong financial evidence → Usable financial evidence.
A3
2026-09-2970/100 · v0.14
Oldest retained automatic assessment in this comparisonB1
2026-10-21
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 risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 7 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
29 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Registry timeline
Trade register notifications shown on a timeline.
13 register eventsLatest event: 2025-04-15
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-02-04.
This company profile has not been claimed yet
Tools for finish oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.