Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Vakuutus Koskelainen Oy
Vakuutus Koskelainen Oy's registered office is Kouvola. It is a limited company. The company was established on 2021-12-09. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €98,467 and operating profit was €47,099.
Business ID 3252749-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3252749-9
- Sector
- Activities of insurance agents and brokers
- Municipality
- Kouvola
- Company form
- Limited company
- Registration date
- 2021-12-09
- Business ID registration date
- 2021-12-06
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Lylykaari 8 A, 45150, Kouvola
Phone: +358504617104Source observation
Website: https://www.lahitapiola.fi/henkilo/asiakaspalvelu/yhteystiedot/kaakkois-suomi/kotkaSource: registry data
People and decision-makers
Koskelainen Roope Ville ValtteriVarsinainen jäsen
Koskelainen Kari TapioVarajäsen
About Vakuutus Koskelainen Oy
Financial position and key figures for the company.
Vakuutus Koskelainen Oy's location municipality is Kouvola. It is a limited company. The company was established on 2021-12-09. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €98,467 and operating profit was €47,099. The latest retained financial statement for 2025-12-31 shows revenue of €98,467 and profit for the financial year of €29,798. Based on the latest retained statement, revenue growth was -9.9%, operating margin was +42.8%, and equity ratio was +48.9%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Revenue growth-9.9%
Operating margin42.8%
Equity ratio48.9%
Revenue€98,467-€10,870 (-9.9%) vs previous periodPrevious: €109,337
Operating profit (loss)€47,099+€4,209 (+9.8%) vs previous periodPrevious: €42,889
Profit (loss) for the financial year€29,798+€5,613 (+23.2%) vs previous periodPrevious: €24,185
Assets€212,985-€6,847 (-3.1%) vs previous periodPrevious: €219,832
Balance-sheet contextLatest financial period
Profit before taxes€37,699Previous: €31,070
Employees1Previous: 1
Revenue trend4 periods
€56,537
2022-12-31
€102,935
2023-12-31
€109,337
2024-12-31
€98,467
2025-12-31
Operating profit (loss) trend4 periods
€47,248
2022-12-31
€72,956
2023-12-31
€42,889
2024-12-31
€47,099
2025-12-31
Profit (loss) for the financial year trend4 periods
€38,675
2022-12-31
€56,550
2023-12-31
€24,185
2024-12-31
€29,798
2025-12-31
Assets trend4 periods
€8,573
2022-12-31
€77,348
2023-12-31
€219,832
2024-12-31
€212,985
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioSatisfactory
61/100 · Improving
Current ratioNot assessable
0/100 · Trend unavailable
Operating profit marginGood
100/100 · Improving
Ratio history
| Ratio | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Equity ratio | - | 73.1 % | 36.7 % | 48.9 % |
| Current ratio | - | - | - | - |
| Operating profit margin | 83.6 % | 70.9 % | 36.2 % | 42.8 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3252749-9
EU IDFIFPRO.3252749-9
MunicipalityKouvola
Current registered entries
2021-12-06Registered in Tax Administration (Prepayment Register)
2021-12-09Registered in Tax Administration (Tax Administration)
2021-12-09Registered in Patent and Registration Office (Trade Register)
Responsible people
Public role relationships materialized from source observations.
Koskelainen Roope Ville ValtteriVarsinainen jäsenSources: 4 · Confidence: 78%
Koskelainen Kari TapioVarajäsenSources: 2 · Confidence: 78%
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
GoodVakuutus Koskelainen Oy
Grade unchangedA3 · new analysis 2026-10-18
74/100
Medium
Usable financial evidenceFinancial data included
Financial development has been volatile across multiple domains.
4 comparable periodsRevenueStable
ProfitabilityVolatile
SolvencyVolatile
LiquidityNot enough history
Same industry, size and age groupDescriptive comparison – does not change the model score.
40 peersSolvency45%
Below 55% of peers
Profitability68%
Better than 68% of peers
Revenue growth48%
Close to the peer-group midpoint
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Material volatility across multiple financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
3 assessmentsA3
2026-10-1874/100 · v0.15
A3 → A3- Evidence quality: Strong financial evidence → Usable financial evidence.
A3
2026-09-1574/100 · v0.14
A3 → A3- Revenue: Stable
- Profitability: Volatile
- Solvency: Volatile
A3
2026-09-1474/100 · 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 risklow
77/100
Industry context is low based on normalized open statistical inputs.
Age and continuityNuori
35/100
The company has about 4 years of registry continuity.
Registry and status signalsRajallinen
43/100
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
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Registry timeline
Trade register notifications shown on a timeline.
5 register eventsLatest event: 2025-06-13
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
Vakuutus Koskelainen Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.