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IPF Digital AS

Legal form:

Public limited company

Registry code:

11034137

VAT no.:

EE101155566

Fiscal-year period:

01.01 - 31.12

Established:

30.04.2004 (22)

Former business names:

IPF Digital Estonia AS, IPF Digital Estonia OÜ, MCB Finance Estonia OÜ, Mobile Credit Baltic OÜ, Mobile Credit Estonia OÜ, Osaühing Jacob Group, Osaühing Mobile Credit Nordic

Capital:

50 000 EUR

Address:

Lõõtsa tn 5 // Sepapaja tn 4, Lasnamäe linnaosa, Tallinn, Harju maakond, 11415

Status:

Registered

Contacts

Email:

est-legal@ipfdigital.com

Phone:

+372 6143400

Website:

https://www.credit24.ee

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Provision of financial services, except insurance and pension funds
Provision of other financial services, except insurance and pension funding
6492 - Other lending
PROFESSIONAL, SCIENTIFIC AND TECHNICAL ACTIVITIES
Activities of head offices and management consultancy activities
70201 - Business and other management consultancy

VAT liability

	Start	End
EE101155566	25.06.2007
EE101155566	01.12.2004	24.06.2007

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	Due date 30.06.2026
2024	01.01.2024 - 31.12.2024	30.06.2025	Valid
2023	01.01.2023 - 31.12.2023	28.06.2024	Valid
2022	01.01.2022 - 31.12.2022	29.06.2023	Valid
2021	01.01.2021 - 31.12.2021	30.06.2022	Valid
2020	01.01.2020 - 31.12.2020	30.06.2021	Valid
2019	01.01.2019 - 31.12.2019	30.04.2020	Valid
2018	01.01.2018 - 31.12.2018	28.10.2019	Valid
2017	01.01.2017 - 31.12.2017	04.09.2018	Valid
2016	01.01.2016 - 31.12.2016	11.09.2017	Valid
2015	01.01.2015 - 31.12.2015	18.11.2016	Valid
2014	01.01.2014 - 31.12.2014	11.06.2015	Valid
2013	01.01.2013 - 31.12.2013	06.05.2014	Valid
2012	01.01.2012 - 31.12.2012	30.07.2013	Valid
2011	01.01.2011 - 31.12.2011	27.06.2012	Valid
2010	01.01.2010 - 31.12.2010	03.05.2011	Valid
2009	01.01.2009 - 31.12.2009	04.05.2010	Valid
2008	01.01.2008 - 31.12.2008	05.05.2009	Valid
2007	01.01.2007 - 31.12.2007	12.05.2008	Valid
2006	01.01.2006 - 31.12.2006	06.07.2007	Valid
2005	01.01.2005 - 31.12.2005	04.01.2007	Valid
2004	30.04.2004 - 31.12.2004	21.07.2005	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 05.06.2026.

???

Credit rating

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020406080100

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	686 622 €	646 358 €	16 792 456 €4.4%	122
Kokku 2026:	686 622 €	646 358 €	16 792 456 €
2025 Q4	717 847 €	693 807 €	16 082 396 €0.3%	125
2025 Q3	735 582 €	655 865 €	16 133 253 €0.7%	130
2025 Q2	789 903 €	811 209 €	16 249 469 €6.3%	115
2025 Q1	656 926 €	594 309 €	15 280 813 €19.8%	108
Kokku 2025:	2 900 258 €	2 755 190 €	63 745 931 €9.0%
2024 Q4	602 344 €	593 961 €	12 758 962 €45.7%	110
2024 Q3	591 702 €	535 244 €	23 487 487 €144.0%	96
2024 Q2	825 999 €	753 675 €	9 626 526 €60.1%	96
2024 Q1	693 207 €	520 817 €	24 149 727 €79.3%	98
Kokku 2024:	2 713 252 €	2 403 697 €	70 022 702 €22.1%
2023 Q4	506 463 €	491 374 €	13 469 470 €3.1%	96
2023 Q3	541 845 €	508 677 €	13 900 094 €13.9%	94
2023 Q2	834 221 €	692 042 €	16 151 718 €16.7%	96
2023 Q1	979 784 €	469 297 €	13 846 116 €1.7%	98
Kokku 2023:	2 862 314 €	2 161 390 €	57 367 398 €6.0%
2022 Q4	531 313 €	455 494 €	13 608 282 €1.5%	98
2022 Q3	504 826 €	448 188 €	13 411 371 €24.5%	100
2022 Q2	695 026 €	623 304 €	17 759 040 €9.2%	91
2022 Q1	1 057 061 €	437 986 €	16 262 166 €42.7%	87
Kokku 2022:	2 788 226 €	1 964 972 €	61 040 859 €24.8%
2021 Q4	409 103 €	428 511 €	11 396 326 €18.6%	85
2021 Q3	416 690 €	440 610 €	9 609 766 €0.4%	91
2021 Q2	412 107 €	438 633 €	9 568 165 €81.1%	84
2021 Q1	826 897 €	399 755 €	50 546 079 €695.4%	81
Kokku 2021:	2 064 797 €	1 707 509 €	81 120 336 €963.2%
2020 Q4	386 795 €	411 786 €	6 354 786 €522.8%	78
2020 Q3	218 866 €	218 819 €	1 020 399 €923.6%	76
2020 Q2	85 015 €	69 207 €	99 683 €35.8%	20
2020 Q1	114 486 €	84 699 €	155 283 €8.4%	20
Kokku 2020:	805 163 €	784 510 €	7 630 151 €1 095.2%
2019 Q4	112 583 €	80 074 €	169 514 €4.9%	18
2019 Q3	108 911 €	73 339 €	178 159 €7.0%	19
2019 Q2	123 714 €	93 663 €	166 479 €34.0%	17
2019 Q1	85 040 €	63 257 €	124 232 €24.5%	14
Kokku 2019:	430 248 €	310 333 €	638 384 €76.7%
2018 Q4	77 163 €	59 252 €	99 821 €22.6%	14
2018 Q3	67 704 €	54 220 €	81 422 €9.6%	15
2018 Q2	80 191 €	65 838 €	90 036 €0.0%	14
2018 Q1	76 773 €	61 690 €	90 029 €20.4%	15
Kokku 2018:	301 831 €	241 000 €	361 308 €30.4%
2017 Q4	71 237 €	60 122 €	74 769 €16.4%	17
2017 Q3	76 058 €	65 881 €	89 389 €94.0%	16
2017 Q2	78 768 €	75 693 €	46 066 €31.0%	18
2017 Q1	72 930 €	62 798 €	66 791 €96.7%	19
Kokku 2017:	298 993 €	264 494 €	277 015 €96.6%
2016 Q4	64 799 €	57 892 €	2 013 997 €7.6%	18
2016 Q3	68 073 €	62 639 €	2 179 119 €2.9%	18
2016 Q2	64 035 €	64 485 €	2 243 343 €25.8%	18
2016 Q1	63 724 €	51 263 €	1 783 390 €	18
Kokku 2016:	260 631 €	236 279 €	8 219 849 €
2015 Q4	43 314 €	43 457 €	0 €	1
2015 Q3	38 070 €	32 477 €	0 €	1
2015 Q2	49 778 €	50 646 €	0 €	1
2015 Q1	160 870 €	138 005 €	0 €	1
Kokku 2015:	292 032 €	264 585 €	0 €

Revenue by industry

	2022	2023	2024
Business and other management consultancy			32 094 508 €
Other lending	12 792 297 €	12 740 918 €	14 589 421 €
Business consultancy and other management advice	27 422 648 €	30 927 418 €

Tax debts

No tax debt found

No tax debt as of 05.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Iwona Gruchacz	77052XXXXXX	-	Board member	17.04.2025	-
Piotr Mariusz Bubak	73010XXXXXX	-	Board member	17.04.2025	-
Kristi Saaremets-Ojala	48512XXXXXX	09.12.1985 (40)	Board member	27.01.2025	-
Hiie Ormisson	47911XXXXXX	07.11.1979 (46)	Board member	13.07.2020	-
Jari Kalevi Koivula	36508XXXXXX	31.08.1965 (60)	Board member	13.07.2020	-

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

1 - 5 / 5 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
IPF DIGITAL GROUP LIMITED	GB060XXXXX	-	Shareholder	47 200,00 EUR	94,4	Sole ownership	31.01.2024	-

11 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
Krzysztof Witold Adamski	-	28.10.1977 (48)	Supervisory-board member	19.04.2025	-
Thomas Crane	-	10.08.1972 (53)	Supervisory-board member	08.03.2024	-
Povilas Girčys	38010XXXXXX	03.10.1980 (45)	Chairman of the supervisory board	03.02.2022	-
Aktsiaselts Deloitte Audit Eesti	-	-	Audit firm	18.04.2016	-
OÜ Ermitex Investeeringud	-	-	Founder	30.04.2004	-

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

1 - 5 / 5 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Stuart Sinclair	-	29.06.1953 (72)	Member of higher governing body (board or supervisory board)	19.06.2020	-
Gerard Jude Ryan	-	08.09.1964 (61)	Member of higher governing body (board or supervisory board)	11.12.2018	-

1 - 2 / 2 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
Digital Insurance OÜ	20.12.2023	Shareholder	5 001,00 EUR	100	Sole ownership	15.05.2024	-

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

1 - 1 / 1 rows

2026 Q1

Turnover

Amount

16 792 456 €

Monthly average

5 597 485 €

Per employee

45 881 €

Equity ratio

11 194,97%

Labour taxes

Turnover ratio

3,85%

Tax ratio

94,14%

Monthly average

215 453 €

Per employee

1 745 €

State taxes

Monthly average

228 874 €

Turnover ratio

4,09%

Estimated salary

Gross salary

3 179 €

Net salary

2 509 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	31 332 620 €3.4%	32 423 034 €62.9%	87 446 744 €4.9%	91 957 520 €213.0%	29 375 432 €234.6%	8 780 327 €
Non-current assets	122 673 040 €12.4%	109 134 344 €163.8%	41 363 068 €7.9%	38 326 392 €27.8%	53 108 164 €101.4%	26 366 848 €
Total assets	154 005 664 €8.8%	141 557 376 €9.9%	128 809 816 €1.1%	130 283 912 €58.0%	82 483 592 €134.7%	35 147 176 €
Short-term liabilities	12 527 866 €1.4%	12 701 280 €71.7%	44 837 464 €75.9%	25 483 912 €90.2%	13 396 162 €30.3%	10 278 333 €
Long-term liabilities	92 900 000 €124.9%	41 300 000 €	-	-	-	-
Total liabilities	105 427 866 €95.2%	54 001 280 €20.4%	44 837 464 €75.9%	25 483 912 €90.2%	13 396 162 €30.3%	10 278 333 €
Share or stock capital	50 000 €	50 000 €	50 000 €	50 000 €	50 000 €	50 000 €
Retained earnings	44 506 097 €47.0%	83 922 346 €6.6%	78 750 005 €11.6%	89 114 373 €44.4%	61 707 837 €218.5%	19 377 142 €
Net profit	4 021 699 €12.2%	3 583 750 €30.7%	5 172 347 €66.9%	15 635 627 €113.3%	7 329 595 €34.7%	5 441 702 €
Equity	48 577 796 €44.5%	87 556 096 €4.3%	83 972 352 €19.9%	104 800 000 €51.7%	69 087 432 €177.8%	24 868 844 €
Turnover	73 561 568 €7.7%	68 275 768 €2.5%	66 619 692 €8.7%	72 966 176 €33.4%	54 715 640 €306.6%	13 457 719 €
Profit margin	5.47%4.2%	5.25%32.4%	7.76%63.8%	21.43%60.0%	13.40%66.9%	40.44%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	X.H	I.I	F.Y	2.7	2.2
Quick ratio	V.D	Y.M	R.E	2.7	2.2
Cash ratio	R.V	R.Y	W.U	0.1	0.1
Efficiency
Days sales outstanding (dso)	-	-	-	-	183.6
Asset turnover	-	-	-	-	0.9
Structure
Debt ratio	A.I	X.X	C.U	0.1	0.2
Profitability
Operating margin	-	-	-	-	2.0%
Net profit margin	-	-	-	-	13.4%
Return on assets (roa)	E.Q%	A.S%	J.N%	0.0%	12.5%
Return on equity (roe)	O.K%	K.Z%	I.W%	0.0%	10.6%

To view all financial ratios, you need to subscribe to extended access to the info portal!

Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 10079503 / M19	14.04.2026	Directive order	29.04.2026	Entered into force (14.04.2026)
Ä 10079503 / M18	24.03.2026	Directive order	03.04.2026	Entered into force (24.03.2026)
Ä 10079503 / 40	05.12.2025	Entry - Amendment entry		Entered into force (05.12.2025)
Ä 10079503 / 39	21.11.2025	Negative entry order – deficiencies not remedied - Amendment entry		Entered into force (16.12.2025)
Ä 10079503 / M17	06.10.2025	Order to remedy deficiencies - Amendment entry	19.11.2025	Entered into force (06.11.2025)

1 - 5 / 59 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	Participants
2-22-7768/43						23.03.2026
2-19-10673/112						13.03.2026
2-20-3326/68						13.03.2026
2-21-16577/113						10.03.2026
2-20-17679/39						03.03.2026

1 - 5 / 478 rows

Official announcements

Subject	Date
Notice of termination of bankruptcy proceedings	03.02.2026
Notice of approval of the list of creditors	21.07.2025
Notice of approval of the list of creditors	20.05.2025
Notice of approval of the list of creditors	25.04.2025
Notice of approval of the list of creditors	04.04.2024

1 - 5 / 8 rows

Public transactions

Date	Party	Amount	Classification
24.09.2025	Eesti Töötukassa	2 845.62 € Received	OPERATING EXPENSES Social protection of the unemployed
24.09.2025	Eesti Töötukassa	2 282.10 € Received	OPERATING EXPENSES Social protection of the unemployed
06.03.2024	Saue Vallavalitsus	3 707.74 € Received	OTHER OPERATING EXPENSES General transfers within the government sector
03.11.2022	Eesti Töötukassa	1 194.64 € Received	OPERATING EXPENSES Social protection of the unemployed
06.05.2022	Pärnu Linnavalitsus	2 540.12 € Received	OPERATING EXPENSES Other housing and municipal-services activities

1 - 5 / 5 rows

.ee domains

Domain	Status	Registered	Expires	End
ipfd.ee	Active	11.10.2018	12.10.2026	-
greditea.ee	Active	16.02.2018	17.02.2027	-
kreditea.ee	Active	15.02.2018	16.02.2027	-
creditea.ee	Active	15.02.2018	16.02.2027	-
ipfdigital.ee	Active	10.06.2015	11.06.2027	-

1 - 5 / 13 rows

Enforcement proceedings

No enforcement proceedings found

Company has no active debts with bailiffs

Payment orders

No payment orders found

Company has no court-ordered payment orders