Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
UBN INVEST Oy
UBN INVEST Oy's registered office is Kuopio. It is a limited company. The company was established on 2023-01-13. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c..
Business ID 3332333-2ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3332333-2
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Kuopio
- Company form
- Limited company
- Registration date
- 2023-01-13
- Business ID registration date
- 2022-12-19
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Vanhankallionkatu 11 A 20, 70840, Kuopio
About UBN INVEST Oy
Financial position and key figures for the company.
UBN INVEST Oy's location municipality is Kuopio. It is a limited company. The company was established on 2023-01-13. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. Based on the latest retained statement, revenue growth was not currently available, operating margin was not currently available, and equity ratio was +98.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2026-05-31
3
2
PRH/XBRL financial statement
Derived indicators
Equity ratio98.9%
Balance-sheet contextLatest financial period
Other operating income€12,360Previous: €12,371
Cash and bank€113,756Previous: €73,248
Retained earnings€15,436Previous: €7,401
Equity€764,630Previous: €395,436
Liabilities€8,783Previous: €3,410
Current assets€115,753Previous: €74,736
Current liabilities€8,783Previous: €3,410
Operating profit (loss) trend2 periods
€10,147
2025-05-31
€1,521
2026-05-31
Profit (loss) for the financial year trend2 periods
€8,035
2025-05-31
€39,194
2026-05-31
Assets trend2 periods
€398,846
2025-05-31
€773,414
2026-05-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Declining
Current ratioGood
100/100 · Declining
Operating profit marginNot assessable
0/100 · Trend unavailable
Ratio history
| Ratio | 2025-05-31 | 2026-05-31 |
|---|---|---|
| Equity ratio | 99.2 % | 98.9 % |
| Current ratio | 21.48x | 12.95x |
| Operating profit margin | - | - |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3332333-2
EU IDFIFPRO.3332333-2
MunicipalityKuopio
Current registered entries
2023-01-13Registered in Patent and Registration Office (Trade Register)
2023-01-17Registered in Tax Administration (Tax Administration)
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
GoodUBN INVEST Oy
Grade unchangedA3 · new analysis 2026-10-17
73/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueNot enough history
ProfitabilityNot enough history
SolvencyStable
Same industry, size and age groupDescriptive comparison – does not change the model score.
42 peersSolvency76%
Better than 76% of peers
Liquidity74%
Better than 74% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings10 days after period end
10 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
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1773/100 · v0.15
A3 → A3A3
2026-09-17 22:0773/100 · v0.14
B2 → A3 · +16 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-05-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B2
2026-09-1457/100 · v0.14
B2 → B2B2
2026-09-1457/100 · 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 riskvery low
89/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityNuori
35/100
The company has about 3 years of registry continuity.
Registry and status signalsRajallinen
33/100
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
17 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
4 register eventsLatest event: 2025-06-10
Financial statements availability
Available financial statement periods and PRH source filings.
3 financial statement periodsLatest financial period: 2026-05-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2026-04-03.
This company profile has not been claimed yet
UBN INVEST Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.