Business profile

VM Vipu Oy

VM Vipu Oy's registered office is Joensuu. It is a limited company. The company was established on 2020-11-30. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2026-04-30, revenue was €33,594 and operating profit was €657.

Claim profileContact details
Business ID 3173019-6ValidUnclaimed company profile

Trusted core data

Public company details from the trade register.

Business ID
3173019-6
Sector
Other financial service activities, except insurance and pension funding n.e.c.
Municipality
Joensuu
Company form
Limited company
Registration date
2020-11-30
Business ID registration date
2020-11-24
Business status
Valid
Profile ownership
Unclaimed company profile

Contact and location summary

Visiting address: Voivakankatu 9 A, 80230, Joensuu

About VM Vipu Oy

Financial position and key figures for the company.

VM Vipu Oy's location municipality is Joensuu. It is a limited company. The company was established on 2020-11-30. It operates in the industry of other financial service activities, except insurance and pension funding n.e.c.. In its latest retained statement for 2026-04-30, revenue was €33,594 and operating profit was €657. The latest retained financial statement for 2026-04-30 shows revenue of €33,594 and profit for the financial year of -€1,580. Based on the latest retained statement, revenue growth was -6.2%, operating margin was +2.0%, and equity ratio was +0.7%.

Financial highlights

Key figures from the latest financial period.

Open full statement
Latest financial period

2026-04-30

Imported periods4
PRH parsed2
Profile sourcePRH/XBRL financial statement
Derived indicators
Revenue growth-6.2%
Operating margin2.0%
Equity ratio0.7%
Revenue€33,594-€2,202 (-6.2%) vs previous periodPrevious: €35,796
Operating profit (loss)€657-€2,062 (-75.8%) vs previous periodPrevious: €2,719
Profit (loss) for the financial year-€1,580+€1 (+0.1%) vs previous periodPrevious: -€1,581
Assets€240,436+€85,023 (+54.7%) vs previous periodPrevious: €155,413
Balance-sheet contextLatest financial period
Inventory€6,981Previous: €7,206
Cash and bank€22,152Previous: €3,921
Retained earnings€1,291Previous: €2,872
Equity€1,711Previous: €3,291
Liabilities€238,724Previous: €152,122
Current assets€29,439Previous: €11,678
Current liabilities€131,880Previous: €63,283
Revenue trend2 periods
€35,796
2025-04-30
€33,594
2026-04-30
Operating profit (loss) trend2 periods
€2,719
2025-04-30
€657
2026-04-30
Profit (loss) for the financial year trend2 periods
-€1,581
2025-04-30
-€1,580
2026-04-30
Assets trend2 periods
€155,413
2025-04-30
€240,436
2026-04-30

Financial ratios

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

Equity ratioWeak
1/100 · Declining
0.7 %2025-04-30: 2.1 %
Current ratioWeak
7/100 · Improving
0.22x2025-04-30: 0.18x
Operating profit marginPassable
55/100 · Declining
2.0 %2025-04-30: 7.6 %
Ratio history
Ratio2025-04-302026-04-30
Equity ratio2.1 %0.7 %
Current ratio0.18x0.22x
Operating profit margin7.6 %2.0 %

Registry status and identifiers

Current registry information and identifiers based on YTJ data.

YTJ statusValid
Trade RegisterRegistered
Business ID3173019-6
VAT IDFI31730196
EU IDFIFPRO.3173019-6
MunicipalityJoensuu
Current registered entries
2020-11-24Registered in Tax Administration (Prepayment Register)
2020-11-30Registered in Tax Administration (Tax Administration)
2020-11-30Registered in Patent and Registration Office (Trade Register)
2022-02-17VAT-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
B3
MonitorVM Vipu Oy
Grade downgradedB1 → B3 · new analysis 2026-10-01
Model score48/100
Assessment confidenceHigh
Evidence qualityStrong financial evidenceFinancial data included
Financial trajectoryFinancial development is mostly stable or mixed.
3 comparable periods
RevenueStable
ProfitabilityDeteriorating
SolvencyStable
LiquidityStable
Peer comparisonSame size nationallyDescriptive comparison – does not change the model score.
308 peers
Solvency20%
Below 80% of peers
Profitability50%
Close to the peer-group midpoint
Liquidity48%
Close to the peer-group midpoint
Revenue growth33%
Below 67% 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 lag57 days after period end
Typical registration lag81 days after period end
Annual continuity4 consecutive periods
Supporting factors
  • Company context reduces the weight of an isolated financial signal
  • Active registered status
  • Lower industry distress context
Risk factors to note
  • Weak current ratio
  • Negative profitability or net result
  • Losses in the latest and previous available periods
Rating historyAutomatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
4 assessments
B3
2026-10-01 18:1348/100 · v0.14
B1 → B3 · -17 points
  • Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2026-04-30).
  • Assessment confidence: Medium → High.
  • Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1565/100 · v0.14
B1 → B1 · +4 points
  • Assessment confidence: Low → Medium.
  • Evidence quality: Registry and statistical evidence → Registry and statistical evidence.
  • New risk factor: Sufficient structured financial metrics are not available.
B1
2026-09-1461/100 · v0.12
Oldest retained automatic assessment in this comparison
Automatic model gradeB3
Automatic model snapshot2026-10-01
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
51/100

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
1 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → B3.
Risk grade updatedRisk gradeEvidence verified
15 Sept 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.

6 register eventsLatest event: 2025-08-20

Financial statements availability

Available financial statement periods and PRH source filings.

4 financial statement periodsLatest financial period: 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 2026-03-03.

This company profile has not been claimed yet

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