Business profile

Varma Tärppi Oy

Varma Tärppi Oy's registered office is Yliskulma. It is a limited company. The company was established on 2023-10-05. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €88,964 and operating profit was €7,608.

Claim profileContact details
Business ID 3394184-3ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3394184-3
Sector
Activities of insurance agents and brokers
Municipality
Yliskulma
Company form
Limited company
Registration date
2023-10-05
Business ID registration date
2023-10-03
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Mäkituulentie 20, 21430, Yliskulma

People and decision-makers

Laiho Ville-Pekka WaldemarVarsinainen jäsen
Laiho Satu KaarinaVarajäsen

About Varma Tärppi Oy

Financial position and key figures for the company.

Varma Tärppi Oy's location municipality is Yliskulma. It is a limited company. The company was established on 2023-10-05. It operates in the industry of activities of insurance agents and brokers. In its latest retained statement for 2025-12-31, revenue was €88,964 and operating profit was €7,608. The latest retained financial statement for 2025-12-31 shows revenue of €88,964 and profit for the financial year of €6,085. Based on the latest retained statement, revenue growth was -12.5%, operating margin was +8.6%, and equity ratio was +70.6%.

Financial highlights

Key figures from the latest financial period.

Latest financial period

2025-12-31

Imported periods0
PRH parsed0
Profile sourceEnriched source observation
Derived indicators
Revenue growth-12.5%
Operating margin8.6%
Equity ratio70.6%
Revenue€88,964-€12,672 (-12.5%) vs previous periodPrevious: €101,636
Operating profit (loss)€7,608-€2,883 (-27.5%) vs previous periodPrevious: €10,492
Profit (loss) for the financial year€6,085-€2,167 (-26.3%) vs previous periodPrevious: €8,252
Assets€19,375+€5,031 (+35.1%) vs previous periodPrevious: €14,343
Balance-sheet contextLatest financial period
Profit before taxes€7,606Previous: €10,442
Employees1Previous: 1
Revenue trend2 periods
€101,636
2024-12-31
€88,964
2025-12-31
Operating profit (loss) trend2 periods
€10,492
2024-12-31
€7,608
2025-12-31
Profit (loss) for the financial year trend2 periods
€8,252
2024-12-31
€6,085
2025-12-31
Assets trend2 periods
€14,343
2024-12-31
€19,375
2025-12-31

Financial ratios

Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.

Equity ratioGood
88/100 · Improving
70.6 %2024-12-31: 57.5 %
Current ratioNot assessable
0/100 · Trend unavailable
Not available2024-12-31: Ei saatavilla
Operating profit marginSatisfactory
71/100 · Declining
8.6 %2024-12-31: 10.3 %
Ratio history
Ratio2024-12-312025-12-31
Equity ratio57.5 %70.6 %
Current ratio--
Operating profit margin10.3 %8.6 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3394184-3
EU IDFIFPRO.3394184-3
MunicipalityYliskulma
Current registered entries
2023-10-05Registered in Tax Administration (Tax Administration)
2023-10-05Registered in Patent and Registration Office (Trade Register)
2023-11-01Registered in Tax Administration (Prepayment Register)

Responsible people

Public role relationships materialized from source observations.

Laiho Ville-Pekka WaldemarVarsinainen jäsenSources: 4 · Confidence: 78%
Laiho Satu KaarinaVarajäsenSources: 3 · 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
GoodVarma Tärppi Oy
Model score70/100
Assessment confidenceMedium
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
2 comparable periods
RevenueDeteriorating
ProfitabilityStable
SolvencyImproving
LiquidityNot enough history
Peer comparisonSame size nationallyDescriptive comparison – does not change the model score.
249 peers
Solvency48%
Close to the peer-group midpoint
Profitability64%
Better than 64% of peers
Revenue growth29%
Below 71% of peers
Supporting factors
  • Strong equity ratio
  • Strong operating profitability
  • Active registered status
Risk factors to note

No material separate warning signals.

Automatic model gradeA3
Automatic model snapshot2026-09-16
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 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
39/100

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

Registry timeline

Trade register notifications shown on a timeline.

4 register eventsLatest event: 2026-04-30

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

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