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Howden Kindlustusmaakler OÜ

Legal form:

Private limited company

Registry code:

11327553

VAT no.:

EE102948293

Fiscal-year period:

01.01 - 31.12

Established:

01.12.2006 (19)

Former business names:

CHB Kindlustusmaakler OÜ, OÜ ECE Kindlustusmaakler

Capital:

3 600 EUR

Address:

Pärnu mnt 158/1, Kesklinna linnaosa, Tallinn, Harju maakond, 11318

Status:

Registered

Contacts

Email:

estonia@howdenestonia.ee

Phone:

+372 6144560

Website:

http://www.howdenestonia.ee

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Auxiliary activities of financial services and insurance
Auxiliary activities for insurance and pension funding
6622 - Activities of insurance agents and brokers

VAT liability

	Start	End
EE102948293	28.01.2026

Annual reports

Aggregate data

	Period	Submitted
2025	01.10.2024 - 31.12.2025	15.07.2026	Valid
2024	01.10.2023 - 30.09.2024	06.03.2025	Valid
2023	01.10.2022 - 30.09.2023	17.01.2024	Valid
2022	01.10.2021 - 30.09.2022	22.03.2023	Valid
2021	01.01.2021 - 30.09.2021	07.04.2022	Valid
2020	01.01.2020 - 31.12.2020	29.06.2021	Valid
2019	01.01.2019 - 31.12.2019	18.05.2020	Valid
2018	01.01.2018 - 31.12.2018	30.05.2019	Valid
2017	01.01.2017 - 31.12.2017	02.07.2018	Valid
2016	01.01.2016 - 31.12.2016	12.07.2017	Valid
2015	01.01.2015 - 31.12.2015	26.06.2016	Valid
2014	01.01.2014 - 31.12.2014	29.06.2015	Valid
2013	01.01.2013 - 31.12.2013	30.06.2014	Valid
2013	01.01.2013 - 31.12.2013	14.04.2014	Expired
2012	01.01.2012 - 31.12.2012	21.06.2013	Valid
2011	01.01.2011 - 31.12.2011	10.05.2012	Valid
2010	01.01.2010 - 31.12.2010	20.06.2011	Valid
2009	01.01.2009 - 31.12.2009	24.05.2010	Valid
2008	01.01.2008 - 31.12.2008	02.07.2009	Valid
2007	01.12.2006 - 31.12.2007	01.07.2008	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 04.09.2026.

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Credit rating

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020406080100

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q2	287 521 €	292 641 €	69 194 €50.0%	37
2026 Q1	319 094 €	331 639 €	46 129 €	37
Kokku 2026:	606 615 €	624 280 €	115 323 €
2025 Q4	262 856 €	281 664 €	0 €	41
2025 Q3	273 286 €	292 885 €	0 €	43
2025 Q2	227 093 €	242 946 €	0 €	43
2025 Q1	235 006 €	251 003 €	0 €	41
Kokku 2025:	998 241 €	1 068 498 €	0 €
2024 Q4	216 050 €	229 286 €	0 €	41
2024 Q3	217 357 €	229 455 €	0 €	40
2024 Q2	192 330 €	203 899 €	0 €	40
2024 Q1	124 839 €	131 908 €	0 €	39
Kokku 2024:	750 576 €	794 548 €	0 €
2023 Q4	108 841 €	115 647 €	0 €	21
2023 Q3	105 540 €	112 280 €	0 €	20
2023 Q2	101 312 €	107 777 €	0 €	21
2023 Q1	112 498 €	119 831 €	0 €	21
Kokku 2023:	428 192 €	455 535 €	0 €
2022 Q4	100 714 €	107 022 €	0 €	22
2022 Q3	80 084 €	85 697 €	0 €	23
2022 Q2	72 692 €	77 808 €	0 €	24
2022 Q1	73 615 €	78 972 €	0 €	24
Kokku 2022:	327 105 €	349 499 €	0 €
2021 Q4	60 738 €	65 374 €	0 €	23
2021 Q3	81 053 €	58 454 €	0 €	25
2021 Q2	83 038 €	52 755 €	0 €	23
2021 Q1	49 716 €	47 926 €	0 €	22
Kokku 2021:	274 546 €	224 509 €	0 €
2020 Q4	47 406 €	42 321 €	0 €	21
2020 Q3	54 481 €	42 891 €	0 €	20
2020 Q2	57 633 €	42 687 €	0 €	21
2020 Q1	59 826 €	50 545 €	0 €	21
Kokku 2020:	219 347 €	178 444 €	0 €
2019 Q4	40 859 €	44 404 €	0 €	23
2019 Q3	44 560 €	45 853 €	0 €	22
2019 Q2	51 873 €	43 131 €	0 €	24
2019 Q1	81 213 €	46 927 €	0 €	23
Kokku 2019:	218 505 €	180 315 €	0 €
2018 Q4	41 571 €	40 000 €	0 €	23
2018 Q3	43 826 €	41 109 €	0 €	22
2018 Q2	44 972 €	44 818 €	0 €	22
2018 Q1	87 549 €	46 424 €	0 €	22
Kokku 2018:	217 918 €	172 351 €	0 €
2017 Q4	45 071 €	46 226 €	0 €	22
2017 Q3	47 087 €	47 583 €	0 €	22
2017 Q2	49 675 €	44 486 €	0 €	22
2017 Q1	61 711 €	44 073 €	0 €100.0%	21
Kokku 2017:	203 544 €	182 368 €	0 €100.0%
2016 Q4	43 730 €	44 357 €	261 120 €9.1%	23
2016 Q3	51 591 €	48 800 €	287 271 €18.4%	23
2016 Q2	42 989 €	41 206 €	242 568 €6.1%	23
2016 Q1	63 222 €	43 898 €	258 418 €5.2%	23
Kokku 2016:	201 532 €	178 261 €	1 049 377 €9.6%
2015 Q4	44 455 €	45 036 €	272 672 €2.1%	23
2015 Q3	51 353 €	46 003 €	278 525 €26.2%	23
2015 Q2	40 843 €	36 443 €	220 644 €18.9%	23
2015 Q1	47 838 €	30 645 €	185 542 €	23
Kokku 2015:	184 489 €	158 127 €	957 383 €

Revenue by industry

	2023	2024	2025
Activities of insurance agents and brokers	2 033 892 €	3 144 219 €	5 288 080 €

Tax debts

No tax debt found

No tax debt as of 04.09.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Priit Helm	37502XXXXXX	22.02.1975 (51)	Board member	14.10.2013	-
Andry Saarm	37510XXXXXX	13.10.1975 (50)	Board member	01.12.2006	-

4 inactive record hidden, extended access to the information portal is required to view history!

1 - 2 / 2 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
Howden Finland Oy	-	-	Shareholder	3 600,00 EUR	100	Sole ownership	16.08.2023	-

37 inactive record hidden, extended access to the information portal is required to view history!

1 - 1 / 1 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Lotta Sylvia Johanna Sillanpää	-	17.06.1974 (52)	Supervisory-board member	16.08.2023	-
Jorma Ensio Hakonen	-	04.03.1961 (65)	Chairman of the supervisory board	19.08.2022	-
Riku Otto Matias Koikkalainen	-	15.06.1987 (39)	Supervisory-board member	19.08.2022	-
TUIO OÜ	-	-	Founder	01.12.2006	-

1 - 4 / 4 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Andry Saarm	37510XXXXXX	13.10.1975 (50)	Member of higher governing body (board or supervisory board)	03.09.2022	-
Priit Helm	37502XXXXXX	22.02.1975 (51)	Member of higher governing body (board or supervisory board)	03.09.2022	-

3 inactive record hidden, extended access to the information portal is required to view history!

1 - 2 / 2 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
CHB Kindlustusagent OÜ	16.04.2021	Shareholder	2 500,00 EUR	100	Sole ownership	02.09.2023	-

2 inactive record hidden, extended access to the information portal is required to view history!

1 - 1 / 1 rows

2026 Q2

Turnover

Amount

69 194 €

Monthly average

23 065 €

Per employee

623 €

Equity ratio

640,69%

Labour taxes

Turnover ratio

422,93%

Tax ratio

101,78%

Monthly average

97 547 €

Per employee

2 636 €

State taxes

Monthly average

95 840 €

Turnover ratio

415,53%

Estimated salary

Gross salary

4 681 €

Net salary

3 626 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	3 225 685 €60.2%	2 014 111 €6.3%	1 895 276 €51.2%	1 253 381 €23.0%	1 018 926 €13.4%	1 176 314 €21.6%	967 195 €
Non-current assets	3 010 408 €14.8%	3 532 803 €36 301.9%	9 705 €50.2%	6 461 €93.4%	97 825 €54.1%	213 199 €34.6%	158 449 €
Total assets	6 236 093 €12.4%	5 546 914 €191.2%	1 904 981 €51.2%	1 259 842 €12.8%	1 116 751 €19.6%	1 389 513 €23.4%	1 125 644 €
Short-term liabilities	3 877 630 €66.7%	2 326 486 €62.0%	1 435 741 €37.3%	1 045 441 €11.9%	934 269 €13.6%	1 081 554 €23.7%	873 984 €
Long-term liabilities	2 496 430 €15.3%	2 947 225 €3 736.7%	-	-	76 817 €21.6%	97 979 €120.7%	44 397 €
Total liabilities	6 374 060 €20.9%	5 273 711 €267.3%	1 435 741 €37.3%	1 045 441 €3.4%	1 011 086 €14.3%	1 179 533 €28.4%	918 381 €
Share or stock capital	3 600 €	3 600 €	3 600 €	3 600 €	3 600 €	3 600 €	3 600 €
Retained earnings	269 604 €42.1%	465 640 €120.9%	210 801 €235.8%	-155 196 €1 177.7%	14 401 €	14 401 €	14 401 €
Net profit	-411 171 €109.7%	-196 037 €176.9%	254 839 €30.4%	365 997 €317.5%	87 664 €54.3%	191 979 €1.4%	189 262 €
Equity	-137 967 €150.5%	273 203 €41.8%	469 240 €118.9%	214 401 €102.9%	105 665 €49.7%	209 980 €1.3%	207 263 €
Turnover	5 288 080 €68.2%	3 144 219 €54.6%	2 033 892 €24.3%	1 636 385 €59.0%	1 028 885 €26.2%	1 393 451 €4.6%	1 331 924 €
Profit margin	-7.78%24.7%	-6.23%149.8%	12.53%44.0%	22.37%162.5%	8.52%38.2%	13.78%3.0%	14.21%

Financial ratios

	2025	2024	2023	2022	2021
Profit and cash flow
EBITDA	KNG OVV	ZLR LKJ	HGS DYG	407 983	162 542
Liquidity
Current ratio	L.R	K.X	I.V	1.2	1.1
Quick ratio	L.Z	Y.V	B.O	1.2	1.1
Cash ratio	V.I	H.K	N.H	0.6	0.2
Efficiency
Days sales outstanding (dso)	ETD.P	PVT.C	HCH.E	159.1	283.1
Asset turnover	K.O	I.O	H.D	1.4	0.8
Structure
Debt ratio	U.K	O.B	F.D	0.8	0.9
Profitability
Operating margin	-Y.P%	-Q.O%	UV.A%	24.6%	13.1%
Net profit margin	-H.S%	-P.I%	UB.G%	22.4%	8.5%
Return on assets (roa)	-G.N%	-W.B%	JD.Y%	30.8%	7.0%
Return on equity (roe)	-	-MN.T%	SR.G%	170.7%	83.0%

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 10104154 / 28	14.05.2026	Entry - Amendment entry		Entered into force (14.05.2026)
Ä 10104154 / M12	30.04.2026	Order to remedy deficiencies - Amendment entry	15.05.2026	Deficiencies remedied (14.05.2026)
Ä 10104154 / M11	06.04.2026	Fine-warning order – annual report not filed	06.05.2026	Entered into force (06.04.2026)
Ä 10104154 / 27	06.09.2022	Entry - Amendment entry under CRA § 525 (2)		Entered into force (06.09.2022)
Ä 10104154 / 26	05.09.2022	Entry - Amendment entry		Entered into force (05.09.2022)

1 - 5 / 40 rows

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions

No consumer dispute committee decisions found

Company has not been issued consumer dispute committee decisions

Court decisions

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date
2-21-10863/9	Civil case	Court ruling (Non-declaration of bankruptcy due to lapse)	Bankruptcy law	Hiie Lindmets	ECLI:EE:TMK:2021:2.21.10863.18771	30.09.2021
2-15-17619/14	Civil case	Court ruling (Non-declaration of bankruptcy due to lapse)	Bankruptcy law	Marika Leimann	ECLI:EE:VMK:2016:2.15.17619.15162	08.02.2016
2-07-25011/13	Civil case	Court judgment	Law of obligations	Mare Merimaa, Tiit Kollom, Ande Tänav	ECLI:EE:TLRK:2008:2.07.25011.43176	07.11.2008

1 - 3 / 3 rows

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

Date	Party	Amount	Classification
30.07.2026	Tapa Vallavalitsus	679.56 € Received	OPERATING EXPENSES Other housing and municipal-services activities
29.07.2026	Kaitsevägi	138.27 € Received	OPERATING EXPENSES Military defence
28.07.2026	Sihtasutus Teaduskeskus Ahhaa	1 780.00 € Received	OPERATING EXPENSES Other education, incl. education administration
28.07.2026	Pärnu Linna Haldus	323.48 € Received	OPERATING EXPENSES Cleaning of public areas
27.07.2026	Viru Vangla	331.60 € Received	OPERATING EXPENSES Management of detention facilities

Howden Kindlustusmaakler OÜ

Contacts

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Representatives

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Holdings in companies

Holdings in companies

Aggregate data

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Licences & notices

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Regulations

Regulations

Real estate

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Consumer Disputes Committee decisions

No consumer dispute committee decisions found

Court decisions

Court decisions

Official announcements

No official announcements found

Public transactions

Public transactions

.ee domains

No domains found

Enforcement proceedings

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Payment orders

No payment orders found