Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade D.Business profile
ZM Group Oy
ZM Group Oy was declared bankrupt 2025-01-16. In its latest retained statement for 2023-12-31, revenue was €306,116 and operating profit was -€10,741.
Business ID 3208416-5BANKRUPTCYUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3208416-5
- Sector
- Other repair and maintenance of motor vehicles
- Municipality
- Vanda
- Company form
- Limited company
- Registration date
- 2021-05-06
- Business ID registration date
- 2021-05-03
- Business status
- BANKRUPTCY
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Vetokuja 4 A 76, 01610, Vanda
About ZM Group Oy
Financial position and key figures for the company.
ZM Group Oy was declared bankrupt 2025-01-16. In its latest retained statement for 2023-12-31, revenue was €306,116 and operating profit was -€10,741. The latest retained financial statement for 2023-12-31 shows revenue of €306,116 and profit for the financial year of -€16,605. Based on the latest retained statement, revenue growth was +2.2%, operating margin was -3.5%, and equity ratio was -102.0%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2023-12-31
3
2
PRH/XBRL financial statement
Derived indicators
Revenue growth2.2%
Operating margin-3.5%
Equity ratio-102.0%
Balance-sheet contextLatest financial period
Other operating income€4,773Previous: €5,425
Cash and bank€1,069Previous: €9,979
Retained earnings-€64,777Previous: €6,472
Equity-€50,899Previous: -€64,777
Liabilities€100,818Previous: €153,596
Current assets€22,142Previous: €33,326
Current liabilities€83,343Previous: €110,629
Revenue trend2 periods
€299,542
2022-12-31
€306,116
2023-12-31
Operating profit (loss) trend2 periods
-€68,412
2022-12-31
-€10,741
2023-12-31
Profit (loss) for the financial year trend2 periods
-€71,249
2022-12-31
-€16,605
2023-12-31
Assets trend2 periods
€88,819
2022-12-31
€49,920
2023-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioWeak
0/100 · Declining
Current ratioWeak
0/100 · Declining
Operating profit marginWeak
41/100 · Improving
Ratio history
| Ratio | 2022-12-31 | 2023-12-31 |
|---|---|---|
| Equity ratio | -72.9 % | -102.0 % |
| Current ratio | 0.09x | 0.01x |
| Operating profit margin | -22.4 % | -3.5 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusBANKRUPTCY
Trade RegisterRegistered
Business ID3208416-5
EU IDFIFPRO.3208416-5
MunicipalityVanda
Current registered entries
2021-05-06Registered in Tax Administration (Tax Administration)
2021-05-06Registered in Patent and Registration Office (Trade 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
D
High riskZM Group Oy
Grade unchangedD · new analysis 2026-10-17
18/100
Low
Usable financial evidenceFinancial data included
Financial development is mostly stable or mixed.
3 comparable periodsRevenueStable
ProfitabilityImproving
LiquidityStable
Same size nationallyDescriptive comparison – does not change the model score.
333 peersSolvency3%
Below 97% of peers
Profitability14%
Below 86% of peers
Liquidity36%
Below 64% of peers
Revenue growth68%
Better than 68% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
3 observed filings129 days after period end
132 days after period end
3 consecutive periods
Supporting factors
- A newer financial statement filing has been reported
Risk factors to note
- Negative equity
- Parsed financial metrics are older than the newest reported filing
- Weak current ratio
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsD
2026-10-1718/100 · v0.15
D → DD
2026-09-19 09:4518/100 · v0.14
D → D · -11 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2023-12-31).
- Assessment confidence: Medium → Low.
- Evidence quality: Registry and statistical evidence → Usable financial evidence.
D
2026-09-1429/100 · v0.14
D → DD
2026-09-1429/100 · v0.13
Oldest retained automatic assessment in this comparisonD
2026-10-17
open-risk-grade-v0.15
The grade is reduced because of a critical legal status such as bankruptcy or liquidation.
A serious registry signal affects this grade. Review the profile registry and notification details as well.
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 riskmedium
64/100
Industry context is medium based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 5 years of registry continuity.
Registry and status signalsHälyttävä
0/100
Bankruptcy or liquidation status is treated as a critical legal distress signal.
Events & news
Verified events and sourced external company news in one timeline.
Registry timeline
Trade register notifications shown on a timeline.
14 register eventsLatest event: 2025-01-16
Financial statements availability
Available financial statement periods and PRH source filings.
3 financial statement periodsLatest financial period: 2023-12-31
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
ZM Group Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.