Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A2.Business profile
Vakuutuspalvelu Huotari Oy
Vakuutuspalvelu Huotari Oy's registered office is Oulu. It is a limited company. The company was established on 2023-03-04. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €159,067 and operating profit was €57,156.
Business ID 3348302-9ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3348302-9
- Sector
- Activities of insurance agents and brokers
- Municipality
- Oulu
- Company form
- Limited company
- Registration date
- 2023-03-04
- Business ID registration date
- 2023-02-28
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Alasintie 3-7, 90400, Oulu
About Vakuutuspalvelu Huotari Oy
Financial position and key figures for the company.
Vakuutuspalvelu Huotari Oy's location municipality is Oulu. It is a limited company. The company was established on 2023-03-04. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €159,067 and operating profit was €57,156. The latest retained financial statement for 2025-12-31 shows revenue of €159,067 and profit for the financial year of €44,164. Based on the latest retained statement, revenue growth was +16.5%, operating margin was +35.9%, and equity ratio was +89.2%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
3
2
PRH/XBRL financial statement
Derived indicators
Revenue growth16.5%
Operating margin35.9%
Equity ratio89.2%
Balance-sheet contextLatest financial period
Other operating income€12,547Previous: €6,032
Cash and bank€39,025Previous: €7,072
Retained earnings€57,323Previous: €18,550
Equity€101,487Previous: €74,223
Liabilities€12,267Previous: €12,595
Current assets€51,579Previous: €24,141
Current liabilities€11,272Previous: €12,105
Revenue trend2 periods
€136,485
2024-12-31
€159,067
2025-12-31
Operating profit (loss) trend2 periods
€55,272
2024-12-31
€57,156
2025-12-31
Profit (loss) for the financial year trend2 periods
€44,673
2024-12-31
€44,164
2025-12-31
Assets trend2 periods
€86,818
2024-12-31
€113,753
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 marginGood
100/100 · Declining
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 85.5 % | 89.2 % |
| Current ratio | 0.58x | 3.46x |
| Operating profit margin | 38.8 % | 33.3 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3348302-9
EU IDFIFPRO.3348302-9
MunicipalityOulu
Current registered entries
2023-02-28Registered in Tax Administration (Prepayment Register)
2023-03-04Registered in Patent and Registration Office (Trade Register)
2023-03-06Registered 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
A2
Very goodVakuutuspalvelu Huotari Oy
Grade unchangedA2 · new analysis 2026-10-18
84/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueImproving
SolvencyStable
LiquidityImproving
Same industry and sizeDescriptive comparison – does not change the model score.
101 peersSolvency59%
Better than 59% of peers
Profitability60%
Better than 60% of peers
Liquidity64%
Better than 64% of peers
Revenue growth70%
Better than 70% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings29 days after period end
30 days after period end
3 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Healthy short-term liquidity
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA2
2026-10-1884/100 · v0.15
A2 → A2A2
2026-10-04 01:2584/100 · v0.14
B2 → A2 · +27 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.
B2
2026-09-1557/100 · v0.14
B2 → B2 · +1 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
2026-09-1456/100 · v0.12
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 risklow
77/100
Industry context is 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
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
4 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → A2.Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Registry timeline
Trade register notifications shown on a timeline.
6 register eventsLatest event: 2026-01-29
Financial statements availability
Available financial statement periods and PRH source filings.
3 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
Vakuutuspalvelu Huotari Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.