Risk grade updatedRisk gradeEvidence verified
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B3.Business profile
Valo Invest Oy
Valo Invest Oy's registered office is Vanda. It is a limited company. The company was established on 2018-01-29. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2026-01-31, revenue was €16,679 and operating profit was -€32,380.
Business ID 2884709-4ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2884709-4
- Sector
- Other financial service activities, except insurance and pension funding n.e.c.
- Municipality
- Vanda
- Company form
- Limited company
- Registration date
- 2018-01-29
- Business ID registration date
- 2018-01-18
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Myyraksen leppätie 5, 01400, Vanda
Postal address: Myyraksen Leppätie 5, 01400, Vanda
About Valo Invest Oy
Financial position and key figures for the company.
Valo Invest Oy's location municipality is Vanda. It is a limited company. The company was established on 2018-01-29. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2026-01-31, revenue was €16,679 and operating profit was -€32,380. The latest retained financial statement for 2026-01-31 shows revenue of €16,679 and profit for the financial year of -€33,567. Based on the latest retained statement, revenue growth was -94.9%, operating margin was -194.1%, and equity ratio was +7.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2026-01-31
1
1
PRH/XBRL financial statement
Derived indicators
Revenue growth-94.9%
Operating margin-194.1%
Equity ratio7.0%
Balance-sheet contextLatest financial period
Inventory€560,431Previous: €414,597
Cash and bank€424Previous: €3,264
Retained earnings€70,588Previous: €54,690
Equity€39,521Previous: €73,088
Liabilities€524,374Previous: €347,079
Current assets€563,895Previous: €420,167
Current liabilities€346,709Previous: €347,079
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
9/100 · Declining
Current ratioSatisfactory
54/100 · Improving
Operating profit marginWeak
0/100 · Declining
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2884709-4
EU IDFIFPRO.2884709-4
MunicipalityVanda
Current registered entries
2018-01-29Registered in Tax Administration (Tax Administration)
2018-01-29Registered in Patent and Registration Office (Trade Register)
2018-02-01Registered in Tax Administration (Prepayment 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
B3
MonitorValo Invest Oy
Grade unchangedB3 · new analysis 2026-10-17
49/100
Medium
Usable financial evidenceFinancial data included
Same industry, size and age groupDescriptive comparison – does not change the model score.
32 peersSolvency16%
Below 84% of peers
Profitability6%
Below 94% of peers
Liquidity72%
Better than 72% of peers
Limited evidenceBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
1 observed filings122 days after period end
122 days after period end
1 consecutive periods
Supporting factors
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
- Active registered status
Risk factors to note
- Negative profitability or net result
- High balance-sheet leverage
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB3
2026-10-1749/100 · v0.15
B3 → B3B3
2026-09-18 10:3149/100 · v0.14
B1 → B3 · -18 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-01-31).
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
B1
2026-09-1467/100 · v0.14
B1 → B1B1
2026-09-1467/100 · v0.13
Oldest retained automatic assessment in this comparisonB3
2026-10-17
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 continuityHyvä
60/100
The company has about 8 years of registry continuity.
Registry and status signalsSeurattava
60/100
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
18 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
10 register eventsLatest event: 2025-06-12
Financial statements availability
Available financial statement periods and PRH source filings.
1 financial statement periodsLatest financial period: 2026-01-31
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
Valo Invest Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.