Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Törmälän loma- ja kurssikeskus Oy
Törmälän loma- ja kurssikeskus Oy's registered office is Rautalampi. It is a limited company. The company was established on 2002-07-01. It operates in the industry of amusement and recreation activities n.e.c.. In its latest retained statement for 2025-12-31, revenue was €246,912 and operating profit was €17,980.
Business ID 1763518-4ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 1763518-4
- Sector
- Amusement and recreation activities n.e.c.
- Municipality
- Rautalampi
- Company form
- Limited company
- Registration date
- 2002-07-01
- Business ID registration date
- 2002-05-07
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Konnekoskentie 552, 77700, Rautalampi
Phone: +358405582439Source observation
Email: [email protected]Source observation
Website: https://www.tormala.fiSource observation
Facebook profile: https://www.facebook.com/TormalaRautalampi/?fref=tsSource: company website
People and decision-makers
Varis Veli MattiToimitusjohtaja
About Törmälän loma- ja kurssikeskus Oy
Financial position and key figures for the company.
Törmälän loma- ja kurssikeskus Oy's location municipality is Rautalampi. It is a limited company. The company was established on 2002-07-01. It operates in the industry of amusement and recreation activities n.e.c.. In its latest retained statement for 2025-12-31, revenue was €246,912 and operating profit was €17,980. The latest retained financial statement for 2025-12-31 shows revenue of €246,912 and profit for the financial year of €19,298. Based on the latest retained statement, revenue growth was -7.2%, operating margin was +7.3%, and equity ratio was +87.5%.
Extended business activity
A longer directory- or registry-backed activity description that complements the short registry industry label.
Yhtiön toimiala on matkailu-, loma-, sosiaalialan- ja kurssikeskuspalvelutoiminta, majoitus- ja ravitsemuspalvelujen järjestäminen ja tuottaminen sekä muidenkin matkailuun liittyvien oheispalvelujen tuottaminen samoin kuin näihin liittyvä rakennus-, koulutus- ja konsultointitoiminta. Yhtiö voi omistaa ja hallita kiinteistöjä ja arvopapereita sekä käydä kauppaa niillä.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
5
2
Combined source
Derived indicators
Revenue growth-7.2%
Operating margin7.3%
Equity ratio87.5%
Balance-sheet contextLatest financial period
Other operating income€1,333Previous: €1,264
Inventory€572Previous: €541
Cash and bank€103,995Previous: €98,868
Retained earnings-€105,248Previous: -€118,801
Equity€276,460Previous: €277,162
Liabilities€39,659Previous: €40,533
Current assets€121,165Previous: €116,526
Current liabilities€39,659Previous: €40,533
Revenue trend4 periods
€164,974
2021-12-31
€204,682
2023-12-31
€266,056
2024-12-31
€246,912
2025-12-31
Operating profit (loss) trend3 periods
-€17,735
2023-12-31
€38,962
2024-12-31
€17,980
2025-12-31
Profit (loss) for the financial year trend4 periods
-€3,483
2021-12-31
€41,655
2023-12-31
€33,553
2024-12-31
€19,298
2025-12-31
Assets trend4 periods
€275,083
2021-12-31
€289,167
2023-12-31
€317,695
2024-12-31
€316,119
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Yhdistetty lähde.
Equity ratioGood
100/100 · Improving
Current ratioGood
88/100 · Improving
Operating profit marginSatisfactory
68/100 · Declining
Ratio history
| Ratio | 2021-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Equity ratio | 96.1 % | 91.2 % | 87.2 % | 87.5 % |
| Current ratio | - | - | 2.45x | 2.64x |
| Operating profit margin | - | -8.6 % | 14.6 % | 7.2 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID1763518-4
VAT IDFI17635184
EU IDFIFPRO.1763518-4
MunicipalityRautalampi
Current registered entries
2002-05-01Registered in Tax Administration (Employer Register)
2002-05-01VAT-liable for business activity in Tax Administration (VAT Register)
2002-05-06Registered in Tax Administration (Prepayment Register)
2002-05-08Registered in Tax Administration (Tax Administration)
2002-07-01Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Varis Veli MattiToimitusjohtajaSources: 5 · Confidence: 78%
Hintikka-Varis Sari HannelePuheenjohtajaSources: 5 · Confidence: 78%
Varis Paula MaaritVarsinainen jäsenSources: 4 · Confidence: 78%
Hintikka Heidi SusannaVarsinainen jäsenSources: 4 · Confidence: 78%
Varis Veli MattiVarsinainen jäsenSources: 1 · Confidence: 78%
Antti EskelinenPäävastuullinen tilintarkastajaSources: 1 · Confidence: 76%
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
GoodTörmälän loma- ja kurssikeskus Oy
Grade unchangedA3 · new analysis 2026-10-17
76/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueImproving
ProfitabilityVolatile
SolvencyStable
LiquidityStable
Same industry and sizeDescriptive comparison – does not change the model score.
41 peersSolvency90%
Better than 90% of peers
Profitability76%
Better than 76% of peers
Liquidity90%
Better than 90% of peers
Revenue growth17%
Below 83% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings181 days after period end
180 days after period end
4 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Active registered status
Risk factors to note
- Elevated industry distress context
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1776/100 · v0.15
A3 → A3A3
2026-10-15 19:0276/100 · v0.14
A3 → A3 · -2 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
2026-09-1478/100 · v0.14
A3 → A3A3
2026-09-1478/100 · v0.13
Oldest retained automatic assessment in this comparisonA3
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 riskelevated
40/100
Industry context is elevated based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 24 years of registry continuity.
Registry and status signalsVakaa
81/100
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.
24 register eventsLatest event: 2025-05-30
Financial statements availability
Available financial statement periods and PRH source filings.
5 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
Törmälän loma- ja kurssikeskus Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.