Risk grade updatedRisk gradeEvidence verified
4 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
V & N Julkunen Oy
V & N Julkunen Oy's registered office is Lahti. It is a limited company. The company was established on 1996-08-27. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €2,132,398 and operating profit was €639,669.
Business ID 1057812-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 1057812-1
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Lahti
- Company form
- Limited company
- Registration date
- 1996-08-27
- Business ID registration date
- 1996-08-20
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Karjusaarenkatu 78, 15240, Lahti
Website: https://k-rauta.fiSource observation
People and decision-makers
Julkunen Veijo TapioToimitusjohtaja
About V & N Julkunen Oy
Financial position and key figures for the company.
V & N Julkunen Oy's location municipality is Lahti. It is a limited company. The company was established on 1996-08-27. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2025-12-31, revenue was €2,132,398 and operating profit was €639,669. The latest retained financial statement for 2025-12-31 shows revenue of €2,132,398 and profit for the financial year of €518,655. Based on the latest retained statement, revenue growth was -67.7%, operating margin was +30.0%, and equity ratio was +94.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth-67.7%
Operating margin30.0%
Equity ratio94.0%
Revenue€2,132,398-€4,475,055 (-67.7%) vs previous periodPrevious: €6,607,453
Operating profit (loss)€639,669-€831,836 (-56.5%) vs previous periodPrevious: €1,471,506
Profit (loss) for the financial year€518,655-€746,449 (-59.0%) vs previous periodPrevious: €1,265,104
Assets€6,331,655-€158,039 (-2.4%) vs previous periodPrevious: €6,489,694
Balance-sheet contextLatest financial period
Profit before taxes€631,040Previous: €1,522,671
Employees2Previous: 2
Revenue trend5 periods
€17,643,883
2021-12-31
€16,788,244
2022-12-31
€15,645,520
2023-12-31
€6,607,453
2024-12-31
€2,132,398
2025-12-31
Operating profit (loss) trend5 periods
€949,011
2021-12-31
€556,472
2022-12-31
€344,054
2023-12-31
€1,471,506
2024-12-31
€639,669
2025-12-31
Profit (loss) for the financial year trend5 periods
€888,475
2021-12-31
€637,215
2022-12-31
€456,924
2023-12-31
€1,265,104
2024-12-31
€518,655
2025-12-31
Assets trend5 periods
€8,025,804
2021-12-31
€8,634,438
2022-12-31
€7,991,474
2023-12-31
€6,489,694
2024-12-31
€6,331,655
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioGood
100/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 66.9 % | 61.9 % | 65.3 % | 91.5 % | 94.0 % |
| Current ratio | - | - | - | - | - |
| Operating profit margin | 5.4 % | 3.3 % | 2.2 % | 21.8 % | 30.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID1057812-1
EU IDFIFPRO.1057812-1
MunicipalityLahti
Current registered entries
1996-08-20Registered in Tax Administration (Tax Administration)
1996-08-27Registered in Patent and Registration Office (Trade Register)
1996-10-01Registered in Tax Administration (Employer Register)
Responsible people
Public role relationships materialized from source observations.
Julkunen Veijo TapioToimitusjohtajaSources: 5 · Confidence: 78%
Julkunen Veijo TapioVarsinainen jäsenSources: 2 · Confidence: 78%
Julkunen Niina HarrietProkuristiSources: 1 · Confidence: 78%
Niina JulkunenHallitus: varajäsenSources: 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
A2
Very goodV & N Julkunen Oy
Grade unchangedA2 · new analysis 2026-10-18
81/100
Medium
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsProfitabilityImproving · 2 consecutive periods
SolvencyImproving
LiquidityNot enough history
Same industry and sizeDescriptive comparison – does not change the model score.
47 peersSolvency68%
Better than 68% of peers
Profitability79%
Better than 79% of peers
Revenue growth2%
Below 98% of peers
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Sharp year-over-year revenue drop
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsA2
2026-10-1881/100 · v0.15
A2 → A2 · -1 points- Evidence quality: Strong financial evidence → Usable financial evidence.
A2
2026-10-0482/100 · v0.14
Oldest retained automatic assessment in this comparisonA2
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 riskvery low
89/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityVakiintunut
90/100
The company has about 30 years of registry continuity.
Registry and status signalsSeurattava
74/100
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.
Registry timeline
Trade register notifications shown on a timeline.
15 register eventsLatest event: 2026-05-01
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
V & N Julkunen Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.