Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Toteuttamo Verbaali Oy
Toteuttamo Verbaali Oy's registered office is Lahti. It is a limited company. The company was established on 2015-09-16. It operates in the industry of other activities of advertising agencies. In its latest retained statement for 2025-12-31, revenue was €66,817 and operating profit was €40.
Business ID 2708174-4ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2708174-4
- Sector
- Other activities of advertising agencies
- Municipality
- Lahti
- Company form
- Limited company
- Registration date
- 2015-09-16
- Business ID registration date
- 2015-09-01
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Sepänkatu 2 as. 5, 15150, Lahti
Website: https://www.verbaali.fiSource observation
About Toteuttamo Verbaali Oy
Financial position and key figures for the company.
Toteuttamo Verbaali Oy's location municipality is Lahti. It is a limited company. The company was established on 2015-09-16. It operates in the industry of other activities of advertising agencies. In its latest retained statement for 2025-12-31, revenue was €66,817 and operating profit was €40. The latest retained financial statement for 2025-12-31 shows revenue of €66,817 and profit for the financial year of €533. Based on the latest retained statement, revenue growth was +6.8%, operating margin was +0.1%, and equity ratio was +89.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
7
2
PRH/XBRL financial statement
Derived indicators
Revenue growth6.8%
Operating margin0.1%
Equity ratio89.4%
Balance-sheet contextLatest financial period
Other operating income€108Previous: €205
Cash and bank€24,980Previous: €22,178
Retained earnings€31,497Previous: €35,501
Equity€32,030Previous: €31,497
Liabilities€3,805Previous: €5,281
Current assets€34,460Previous: €34,612
Current liabilities€3,805Previous: €5,281
Revenue trend2 periods
€62,569
2024-12-31
€66,817
2025-12-31
Operating profit (loss) trend2 periods
-€4,258
2024-12-31
€40
2025-12-31
Profit (loss) for the financial year trend2 periods
-€4,003
2024-12-31
€533
2025-12-31
Assets trend2 periods
€36,778
2024-12-31
€35,835
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Improving
Current ratioGood
100/100 · Improving
Operating profit marginPassable
50/100 · Improving
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 85.6 % | 89.4 % |
| Current ratio | 4.20x | 6.56x |
| Operating profit margin | -6.8 % | 0.1 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2708174-4
VAT IDFI27081744
EU IDFIFPRO.2708174-4
MunicipalityLahti
Current registered entries
2015-09-01VAT-liable for business activity in Tax Administration (VAT Register)
2015-09-01Registered in Tax Administration (Prepayment Register)
2015-09-15Registered in Tax Administration (Tax Administration)
2015-09-16Registered 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
A3
GoodToteuttamo Verbaali Oy
Grade unchangedA3 · new analysis 2026-10-18
78/100
High
Strong financial evidenceFinancial data included
Several key financial indicators show coordinated recovery.
3 comparable periodsRevenueStable
ProfitabilityImproving
SolvencyStable
LiquidityImproving
Same industry, size and age groupDescriptive comparison – does not change the model score.
31 peersSolvency71%
Better than 71% of peers
Profitability42%
Below 58% of peers
Liquidity84%
Better than 84% of peers
Revenue growth84%
Better than 84% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings31 days after period end
41 days after period end
4 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Coordinated recovery across 2 financial domains
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1878/100 · v0.15
A3 → A3A3
2026-09-30 14:1478/100 · v0.14
B1 → A3 · +12 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1566/100 · v0.14
B1 → B1 · +6 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.
B1
2026-09-1460/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
2026-10-18
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 riskmedium
60/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 11 years of registry continuity.
Registry and status signalsSeurattava
72/100
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
30 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
12 register eventsLatest event: 2026-01-31
Financial statements availability
Available financial statement periods and PRH source filings.
7 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
Toteuttamo Verbaali Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.