Although research on business crime victimization has increased in recent years, few studies have explained variation in the crime risk of businesses. Drawing on a nationally representative survey of retail premises (N=1197), this study describes the prevalence and correlates of business crime victimization in Finland, using England and Wales as a point of comparison. We subject the Finnish data to theory-driven risk factor analysis, focusing on environmental factors, the influence of which is examined controlling for local socio-economic disadvantage. Indicating that public disorder is a predictor of crimes against retail premises, the findings are consistent with routine activity approach in general and the incivilities thesis in particular.