Guide · Finland · Trade Register

Finland insolvency register API

A Finnish bankruptcy or restructuring is entered against the company’s business ID, so the notice and the company record share a key. Here is what the register records, why most Finnish notices are not bankruptcies, and how to read them from an API.

The short version

In Finland bankruptcy (konkurssi) and corporate restructuring (yrityssaneeraus, under the Act on the Restructuring of Enterprises) are court proceedings before a district court (käräjäoikeus). The outcome is entered against the enterprise in the Trade Register (kaupparekisteri), kept by the Finnish Patent and Registration Office (PRH), so the register’s record of a company can carry its situation: bankrupt, in restructuring, in liquidation. The register is explained in What is the Finnish Trade Register?

The identifier is the business ID (Y-tunnus): seven digits, a hyphen and a modulus-11 check digit, written NNNNNNN-N. It is the same number on the company record and on its notices, which is what makes the join exact. Test one in the Y-tunnus lookup.

What the register records

Insolvency of private individuals, such as debt adjustment (velkajärjestely), is a different matter and is never returned.

Most Finnish notices are not bankruptcies

The last row of the table is the largest. Companies leave the Finnish register all the time, frequently by choice and while solvent, and each removal is a notice. A raw count of Finnish notices is therefore a count of companies leaving the register, not of companies failing, and a feed that treats every notice as distress would badly overstate Finnish insolvency. Always filter: event_type=insolvency for bankruptcies, event_type=restructuring for restructurings, and leave dissolution for when you want to know a company has gone.

Querying Finnish insolvency notices from an API

Prometiam serves Finnish corporate insolvency notices through the same endpoint as France, Germany, the UK, Austria, Switzerland, Norway, the US and the Netherlands. Notices store the business ID in the NNNNNNN-N form, with the hyphen.

# bankruptcies since a date
curl "https://api.prometiam.com/functions/v1/risk-api/insolvency/search?country=FI&event_type=insolvency&date_from=2026-09-01&limit=20" \
  -H "Authorization: Bearer YOUR_API_KEY"

# one company, by business ID
curl "https://api.prometiam.com/functions/v1/risk-api/insolvency/search?country=FI&company_number=1234567-1" \
  -H "Authorization: Bearer YOUR_API_KEY"

The response has the shape below. The record is illustrative, and the meta block is shortened.

{
  "data": [
    {
      "id": 1234567,
      "source_country": "FI",
      "source_provider": "PRH",
      "company_name": "Esimerkki Rakennus Oy",
      "company_number": "1234567-1",
      "event_type": "insolvency",
      "status": null,
      "local_status": null,
      "filing_date": "2026-09-14",
      "bankrupt_city": null,
      "notice_url": "https://…"
    }
  ],
  "pagination": { "count": 1, "has_more": false, "next_cursor": null },
  "meta": {
    "query_ms": 34,
    "name_match": "contains",
    "coverage_note": "CORPORATE insolvency only. Personal/consumer insolvency is deliberately excluded …"
  }
}

company_number is the business ID and is matched exactly, with its hyphen. filing_date is the date of the register entry. bankrupt_city and the status fields can be null. You can also search by name (a contains match, ranked by relevance, with a match_score from 0 to 100 on each row) and page through a long result with next_cursor. To check a list of counterparties in one call, POST /insolvency/check takes up to 100 items and returns each one’s five most recent notices; every item counts as one request.

From the company record to its notices

Finnish notices are linked by business ID, so they can be read from the company side. Resolve the company (the hyphen is optional and a wrong check digit is a 400), then ask for the linked notices with include=insolvency. They come back as insolvency_notices on the record, newest first, up to 50.

curl "https://api.prometiam.com/functions/v1/risk-api/companies/search?company_number=1234567-1&country=FI" \
  -H "Authorization: Bearer YOUR_API_KEY"

# COMPANY_ID is the id in the search result
curl "https://api.prometiam.com/functions/v1/risk-api/companies/COMPANY_ID?include=insolvency" \
  -H "Authorization: Bearer YOUR_API_KEY"

A Finnish VAT number is FI followed by the business ID without its hyphen, so vat=FI12345671&country=FI resolves the same company; see the Finland company data guide.

What the Finnish coverage is, and is not

• Corporate only. Personal insolvency is never returned. Finland is one of sixteen insolvency markets (FR, DE, GB, AT, CH, NO, FI, US, NL, DK, HR, SE, ES, LV, EE, SG).
• Linked by business ID. A Finnish notice joins to the company record on the Y-tunnus.
• Finland is company records only. There are no officers for Finland. Register-change events and monitoring are available (monitoring covers every live country except France and Chile), but a monitor does not alert on new insolvency notices, so send Finnish counterparties through POST /insolvency/check on a schedule.
• An empty result is not proof of solvency. It means no notice was found for that search.

The free trial is 14 days and 500 credits with a card required and nothing charged for 14 days, and Starter is €9.99 a month: see pricing.

FAQ

Where are Finnish bankruptcies and restructurings recorded?
A district court (käräjäoikeus) declares a company bankrupt (konkurssi) or orders a corporate restructuring (yrityssaneeraus). The outcome is entered against the enterprise in the Trade Register (kaupparekisteri), kept by the Finnish Patent and Registration Office (PRH), where the enterprise is identified by its business ID, the Y-tunnus.

Are most Finnish insolvency notices bankruptcies?
No. Most Finnish notices are removals from the register, which are dissolutions rather than distress events, so a raw count says little about distress. Filter on event_type=insolvency for bankruptcies and event_type=restructuring for corporate restructurings.

Are Finnish insolvency notices linked to company records?
Yes, by business ID. GET /companies/{id}?include=insolvency on a Finnish company returns the corporate notices filed under its Y-tunnus, newest first, up to 50. Finland is one of the sixteen insolvency markets (FR, DE, GB, AT, CH, NO, FI, US, NL, DK, HR, SE, ES, LV, EE, SG), corporate only.

Can I monitor a Finnish company for bankruptcy?
A monitoring subscription alerts on status changes, dissolution, sanctions matches and register-change events of a Finnish company, not on insolvency notices. To catch a bankruptcy notice, send your Finnish counterparties through POST /insolvency/check on a schedule; it takes up to 100 items per call and every item counts as one request. An empty result is not proof of solvency.

Are private individuals included?
No. Corporate insolvency only.

Related guides

• Finland company data API
• What is the Finnish Trade Register?
• Insolvency monitoring across Europe
• Y-tunnus lookup
• Customer insolvency monitoring

Official source: PRH, the Finnish Patent and Registration Office