Business profile

Trust Insurance Co. Oy

Trust Insurance Co. Oy's registered office is Oulu. It is a limited company. The company was established on 2020-09-21. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-10-31, revenue was €114,550 and operating profit was €29,763.

Claim profileContact details
Business ID 3158894-3ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3158894-3
Sector
Activities of insurance agents and brokers
Municipality
Oulu
Company form
Limited company
Registration date
2020-09-21
Business ID registration date
2020-09-17
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Onnelantie 10c, 90230, Oulu

About Trust Insurance Co. Oy

Financial position and key figures for the company.

Trust Insurance Co. Oy's location municipality is Oulu. It is a limited company. The company was established on 2020-09-21. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-10-31, revenue was €114,550 and operating profit was €29,763. The latest retained financial statement for 2025-10-31 shows revenue of €114,550 and profit for the financial year of €25,003. Based on the latest retained statement, revenue growth was +67.9%, operating margin was +26.0%, and equity ratio was +82.9%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-10-31

Imported periods4
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth67.9%
Operating margin26.0%
Equity ratio82.9%
Revenue€114,550+€46,330 (+67.9%) vs previous periodPrevious: €68,220
Operating profit (loss)€29,763+€9,281 (+45.3%) vs previous periodPrevious: €20,483
Profit (loss) for the financial year€25,003+€9,917 (+65.7%) vs previous periodPrevious: €15,086
Assets€62,087+€27,337 (+78.7%) vs previous periodPrevious: €34,751
Balance-sheet contextLatest financial period
Cash and bank€2,940Previous: €8,261
Retained earnings€26,459Previous: €13,674
Equity€51,463Previous: €28,759
Liabilities€10,625Previous: €5,991
Current assets€62,087Previous: €28,304
Current liabilities€10,625Previous: €5,991
Revenue trend2 periods
€68,220
2024-10-31
€114,550
2025-10-31
Operating profit (loss) trend2 periods
€20,483
2024-10-31
€29,763
2025-10-31
Profit (loss) for the financial year trend2 periods
€15,086
2024-10-31
€25,003
2025-10-31
Assets trend2 periods
€34,751
2024-10-31
€62,087
2025-10-31

Financial ratios

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

Equity ratioGood
100/100 · Improving
82.9 %2024-10-31: 82.8 %
Current ratioWeak
9/100 · Declining
0.28x2024-10-31: 1.38x
Operating profit marginGood
100/100 · Declining
26.0 %2024-10-31: 30.0 %
Ratio history
Ratio2024-10-312025-10-31
Equity ratio82.8 %82.9 %
Current ratio1.38x0.28x
Operating profit margin30.0 %26.0 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3158894-3
EU IDFIFPRO.3158894-3
MunicipalityOulu
Current registered entries
2020-09-17Registered in Tax Administration (Prepayment Register)
2020-09-21Registered in Tax Administration (Tax Administration)
2020-09-21Registered 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
A2
Very goodTrust Insurance Co. Oy
Grade unchangedA2 · new analysis 2026-10-18
Model score81/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectorySeveral key financial indicators have weakened across comparable fiscal periods.
3 comparable periods
RevenueImproving
ProfitabilityDeteriorating
SolvencyStable
LiquidityDeteriorating
Peer comparisonSame industry and sizeDescriptive comparison – does not change the model score.
79 peers
Solvency49%
Close to the peer-group midpoint
Profitability59%
Better than 59% of peers
Liquidity34%
Below 66% of peers
Revenue growth86%
Better than 86% of peers
Financial statement reporting patternMixedBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings
Latest registration lag95 days after period end
Typical registration lag58 days after period end
Annual continuity3 consecutive periods
Supporting factors
  • Strong equity ratio
  • Strong operating profitability
  • Active registered status
Risk factors to note
  • Weak current ratio
  • Coordinated deterioration across 2 financial domains
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
A2
2026-10-1881/100 · v0.15
A2 → A2
A2
2026-09-30 20:2481/100 · v0.14
B1 → A2 · +18 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-10-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1563/100 · v0.14
B2 → B1 · +4 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
2026-09-1459/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeA2
Automatic model snapshot2026-10-18
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 risklow
77/100

Industry context is low based on normalized open statistical inputs.

Age and continuityHyvä
60/100

The company has about 6 years of registry continuity.

Registry and status signalsRajallinen
51/100

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
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.
Risk grade updatedRisk gradeEvidence verified
30 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A2.
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 B2.

Registry timeline

Trade register notifications shown on a timeline.

7 register eventsLatest event: 2026-02-03

Financial statements availability

Available financial statement periods and PRH source filings.

4 financial statement periodsLatest financial period: 2025-10-31

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

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