Business profile

ValGroup Oy

ValGroup Oy's registered office is Kerava. It is a limited company. The company was established on 2021-09-29. 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 €38,437,141 and operating profit was -€31,081.

Business ID 3238381-9ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3238381-9
Sector
Other financial service activities, except insurance and pension funding n.e.c.
Municipality
Kerava
Company form
Limited company
Registration date
2021-09-29
Business ID registration date
2021-09-27
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Seunalantie 57 A, 04200, Kerava

People and decision-makers

Valkeinen Tomi JuhaniToimitusjohtaja

About ValGroup Oy

Financial position and key figures for the company.

ValGroup Oy's location municipality is Kerava. It is a limited company. The company was established on 2021-09-29. 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 €38,437,141 and operating profit was -€31,081. The latest retained financial statement for 2025-12-31 shows revenue of €38,437,141 and profit for the financial year of €48,333. Based on the latest retained statement, revenue growth was +283.4%, operating margin was -0.1%, and equity ratio was +96.8%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2025-12-31

Imported periods4
PRH parsed2
Profile sourceCombined source
Derived indicators
Revenue growth283.4%
Operating margin-0.1%
Equity ratio96.8%
Revenue€38,437,141+€28,410,511 (+283.4%) vs previous periodPrevious: €10,026,630
Operating profit (loss)-€31,081-€38,868 (-499.1%) vs previous periodPrevious: €7,787
Profit (loss) for the financial year€48,333-€64,350 (-57.1%) vs previous periodPrevious: €112,683
Assets€381,406+€11,898 (+3.2%) vs previous periodPrevious: €369,508
Balance-sheet contextLatest financial period
Inventory€8Previous: €9
Cash and bank€212,742Previous: €200,843
Retained earnings€210,119Previous: €125,346
Equity€369,318Previous: €348,896
Liabilities€12,088Previous: €20,612
Current assets€212,750Previous: €200,852
Current liabilities€12,088Previous: €20,612
Revenue trend4 periods
€18,265,050
2022-12-31
€3,872,842
2023-12-31
€10,026,630
2024-12-31
€38,437,141
2025-12-31
Operating profit (loss) trend3 periods
-€3,715
2023-12-31
€7,787
2024-12-31
-€31,081
2025-12-31
Profit (loss) for the financial year trend4 periods
€7,327
2022-12-31
€7,327
2023-12-31
€112,683
2024-12-31
€48,333
2025-12-31
Assets trend4 periods
€212,194
2022-12-31
€305,682
2023-12-31
€369,508
2024-12-31
€381,406
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: Yhdistetty lähde.

Equity ratioGood
100/100 · Improving
96.8 %2024-12-31: 94.4 %
Current ratioGood
100/100 · Improving
17.60x2024-12-31: 9.74x
Operating profit marginWeak
50/100 · Declining
-0.1 %2024-12-31: 0.1 %
Ratio history
Ratio2022-12-312023-12-312024-12-312025-12-31
Equity ratio39.2 %65.8 %94.4 %96.8 %
Current ratio--9.74x17.60x
Operating profit margin--0.1 %0.1 %-0.1 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3238381-9
EU IDFIFPRO.3238381-9
MunicipalityKerava
Current registered entries
2021-09-29Registered in Patent and Registration Office (Trade Register)
2021-09-30Registered in Tax Administration (Tax Administration)

Responsible people

Public role relationships materialized from source observations.

Valkeinen Tomi JuhaniToimitusjohtajaSources: 4 · Confidence: 78%
Valkeinen Tomi JuhaniVarsinainen jäsenSources: 2 · Confidence: 78%
Valkeinen Eeva-Maria KatariinaVarajäsenSources: 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
GoodValGroup Oy
Grade unchangedA3 · new analysis 2026-10-15
Model score75/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
4 comparable periods
RevenueImproving · 2 consecutive periods
ProfitabilityStable
SolvencyImproving
LiquidityImproving
Peer comparisonNational Tier 1 comparisonDescriptive comparison – does not change the model score.
1287 peers
Solvency90%
Better than 90% of peers
Profitability30%
Below 70% of peers
Liquidity96%
Better than 96% of peers
Revenue growth97%
Better than 97% of peers
Financial statement reporting patternRegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings
Latest registration lag121 days after period end
Typical registration lag121 days after period end
Annual continuity4 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
  • Negative profitability or net result
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessments
A3
2026-10-15 13:5975/100 · v0.14
A3 → A3 · +2 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Usable financial evidence → Strong financial evidence.
A3
2026-09-1573/100 · v0.14
A3 → A3
  • Evidence quality: Registry and statistical evidence → Usable financial evidence.
A3
2026-09-1373/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeA3
Automatic model snapshot2026-10-15
Automatic model versionopen-risk-grade-v0.14
Financial data included

The grade can use open digital financial statement data together with registry signals.

Verify assessment

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 continuityHyvä
60/100

The company has about 5 years of registry continuity.

Registry and status signalsRajallinen
44/100

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
13 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.

Registry timeline

Trade register notifications shown on a timeline.

6 register eventsLatest event: 2026-05-01

Financial statements availability

Available financial statement periods and PRH source filings.

4 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

ValGroup Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.