Risk grade updatedRisk gradeEvidence verified
18 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Business profile
Vakuutuspalvelut J&J Oy
Vakuutuspalvelut J&J Oy's registered office is Imatra. It is a limited company. The company was established on 2023-06-27. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €1,173,522 and operating profit was €113,442.
Business ID 3371525-6ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3371525-6
- Sector
- Activities of insurance agents and brokers
- Municipality
- Imatra
- Company form
- Limited company
- Registration date
- 2023-06-27
- Business ID registration date
- 2023-06-13
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Reinonkatu 5 A 8, 55100, Imatra
About Vakuutuspalvelut J&J Oy
Financial position and key figures for the company.
Vakuutuspalvelut J&J Oy's location municipality is Imatra. It is a limited company. The company was established on 2023-06-27. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €1,173,522 and operating profit was €113,442. The latest retained financial statement for 2025-12-31 shows revenue of €1,173,522 and profit for the financial year of €89,140. Based on the latest retained statement, revenue growth was -9.5%, operating margin was +9.7%, and equity ratio was +75.4%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
3
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-9.5%
Operating margin9.7%
Equity ratio75.4%
Balance-sheet contextLatest financial period
Other operating income€29,912Previous: €58,126
Cash and bank€58,715Previous: €53,475
Retained earnings€84,666Previous: €17,420
Equity€173,805Previous: €91,966
Liabilities€56,748Previous: €62,377
Current assets€154,704Previous: €145,905
Current liabilities€56,748Previous: €62,377
Revenue trend2 periods
€1,297,205
2024-12-31
€1,173,522
2025-12-31
Operating profit (loss) trend2 periods
€93,810
2024-12-31
€113,442
2025-12-31
Profit (loss) for the financial year trend2 periods
€74,546
2024-12-31
€89,140
2025-12-31
Assets trend2 periods
€154,343
2024-12-31
€230,553
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
94/100 · Improving
Current ratioSatisfactory
34/100 · Improving
Operating profit marginSatisfactory
74/100 · Improving
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 59.6 % | 75.4 % |
| Current ratio | 0.86x | 1.03x |
| Operating profit margin | 6.9 % | 9.4 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3371525-6
VAT IDFI33715256
EU IDFIFPRO.3371525-6
MunicipalityImatra
Current registered entries
2023-06-13Registered in Tax Administration (Prepayment Register)
2023-06-27Registered in Tax Administration (Tax Administration)
2023-06-27Registered in Patent and Registration Office (Trade Register)
2023-08-01VAT-liable for business activity in Tax Administration (VAT 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
A3
GoodVakuutuspalvelut J&J Oy
Grade unchangedA3 · new analysis 2026-10-18
75/100
High
Strong financial evidenceFinancial data included
Several key financial indicators show coordinated recovery.
3 comparable periodsRevenueStable
ProfitabilityImproving
SolvencyImproving
LiquidityStable
Same industryDescriptive comparison – does not change the model score.
291 peersSolvency48%
Close to the peer-group midpoint
Profitability60%
Better than 60% of peers
Liquidity56%
Better than 56% of peers
Revenue growth19%
Below 81% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings101 days after period end
101 days after period end
3 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Coordinated recovery across 2 financial domains
Risk factors to note
No material separate warning signals.
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-10-1875/100 · v0.15
A3 → A3A3
2026-09-30 23:4875/100 · v0.14
B2 → A3 · +18 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- 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
2026-09-1457/100 · 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 3 years of registry continuity.
Registry and status signalsRajallinen
46/100
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
30 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2 → A3.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: 2026-04-11
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
Vakuutuspalvelut J&J Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.