Business profile

Valo Living Oy

It is a limited company. The company was established on 2018-12-19. It operates in the industry of rental of own or leased dwellings and residential real estate. In its latest retained statement for 2024-12-31, revenue was €151,843 and operating profit was €48,844.

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Business ID 2958943-7ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
2958943-7
Sector
Rental of own or leased dwellings and residential real estate
Municipality
Not currently available
Company form
Limited company
Registration date
2018-12-19
Business ID registration date
2018-12-14
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Registry-backed contact channels are not currently available for this company record.

About Valo Living Oy

Financial position and key figures for the company.

It is a limited company. The company was established on 2018-12-19. It operates in the industry of rental of own or leased dwellings and residential real estate. In its latest retained statement for 2024-12-31, revenue was €151,843 and operating profit was €48,844. The latest retained financial statement for 2024-12-31 shows revenue of €151,843 and profit for the financial year of €23,040. Based on the latest retained statement, revenue growth was +311.4%, operating margin was +32.2%, and equity ratio was +3.7%.

Financial highlights

Key figures from the latest financial period.

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Latest financial period

2024-12-31

Imported periods3
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth311.4%
Operating margin32.2%
Equity ratio3.7%
Revenue€151,843+€114,938 (+311.4%) vs previous periodPrevious: €36,905
Operating profit (loss)€48,844+€52,162 (+1572.3%) vs previous periodPrevious: -€3,318
Profit (loss) for the financial year€23,040+€27,146 (+661.0%) vs previous periodPrevious: -€4,107
Assets€1,068,490+€102,765 (+10.6%) vs previous periodPrevious: €965,725
Balance-sheet contextLatest financial period
Other operating income€157,603Previous: €132,707
Cash and bank€87,114Previous: €41,287
Advances received€2,949Previous: €640
Retained earnings€8,427Previous: €12,533
Equity€39,966Previous: €16,927
Liabilities€1,028,523Previous: €948,798
Current assets€91,494Previous: €59,879
Current liabilities€167,265Previous: €102,717
Revenue trend2 periods
€36,905
2023-12-31
€151,843
2024-12-31
Operating profit (loss) trend2 periods
-€3,318
2023-12-31
€48,844
2024-12-31
Profit (loss) for the financial year trend2 periods
-€4,107
2023-12-31
€23,040
2024-12-31
Assets trend2 periods
€965,725
2023-12-31
€1,068,490
2024-12-31

Financial ratios

Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.

Equity ratioWeak
5/100 · Improving
3.8 %2023-12-31: 1.8 %
Current ratioPassable
17/100 · Improving
0.52x2023-12-31: 0.40x
Operating profit marginGood
89/100 · Improving
15.8 %2023-12-31: -2.0 %
Ratio history
Ratio2023-12-312024-12-31
Equity ratio1.8 %3.8 %
Current ratio0.40x0.52x
Operating profit margin-2.0 %15.8 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID2958943-7
VAT IDFI29589437
EU IDFIFPRO.2958943-7
Current registered entries
2018-12-14Registered in Tax Administration (Prepayment Register)
2018-12-19Registered in Tax Administration (Tax Administration)
2018-12-19Registered in Patent and Registration Office (Trade Register)
2019-04-01VAT-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
B1
StableValo Living Oy
Grade unchangedB1 · new analysis 2026-10-17
Model score60/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
3 comparable periods
RevenueImproving
ProfitabilityImproving
SolvencyStable
LiquidityStable
Peer comparisonSame industry, size and age groupDescriptive comparison – does not change the model score.
104 peers
Solvency10%
Below 90% of peers
Profitability46%
Close to the peer-group midpoint
Liquidity56%
Better than 56% of peers
Revenue growth100%
Better than 100% 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.
3 observed filings
Latest registration lag227 days after period end
Typical registration lag152 days after period end
Annual continuity3 consecutive periods
Supporting factors
  • Strong operating profitability
  • Active registered status
  • A newer financial statement filing has been reported
Risk factors to note
  • Weak current ratio
  • High balance-sheet leverage
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessments
B1
2026-10-1760/100 · v0.15
B1 → B1
B1
2026-09-19 13:0560/100 · v0.14
B1 → B1 · -6 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2024-12-31).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1466/100 · v0.14
B1 → B1
B1
2026-09-1466/100 · v0.13
Oldest retained automatic assessment in this comparison
Automatic model gradeB1
Automatic model snapshot2026-10-17
Automatic model versionopen-risk-grade-v0.15
Financial data included

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

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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 continuityHyvä
60/100

The company has about 7 years of registry continuity.

Registry and status signalsSeurattava
70/100

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
17 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.

Registry timeline

Trade register notifications shown on a timeline.

14 register eventsLatest event: 2026-05-01

Financial statements availability

Available financial statement periods and PRH source filings.

3 financial statement periodsLatest financial period: 2024-12-31

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

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