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ERGO Insurance SE

Legal form:

European company (Societas Europaea)

Registry code:

10017013

VAT no.:

EE100295906

Fiscal-year period:

01.01 - 31.12

Established:

21.03.1996 (30)

Former business names:

Balti Kindlustuse Aktsiaselts, BICO-LEKS KINDLUSTUSE AKTSIASELTS, ERGO Kindlustuse Aktsiaselts

Capital:

6 391 391,10 EUR

Address:

Veskiposti tn 2/1, Kesklinna linnaosa, Tallinn, Harju maakond, 10138

Status:

Registered

Contacts

Email:

info@ergo.ee

Phone:

+372 6106500

Website:

https://www.ergo.ee/

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Insurance, reinsurance and pension funding, except compulsory social security
Insurance
65121 - Non-life insurance

VAT liability

	Start	End
EE100295906	01.11.1996

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	26.05.2026	Valid
2024	01.01.2024 - 31.12.2024	11.06.2025	Valid
2023	01.01.2023 - 31.12.2023	01.07.2024	Valid
2022	01.01.2022 - 31.12.2022	09.06.2023	Valid
2021	01.01.2021 - 31.12.2021	17.08.2022	Valid
2021	01.01.2021 - 31.12.2021	17.08.2022	Expired
2020	01.01.2020 - 31.12.2020	04.05.2021	Valid
2019	01.01.2019 - 31.12.2019	14.10.2020	Valid
2018	01.01.2018 - 31.12.2018	18.06.2019	Valid
2017	01.01.2017 - 31.12.2017	18.06.2018	Valid
2016	01.01.2016 - 31.12.2016	26.05.2017	Valid
2015	01.01.2015 - 31.12.2015	20.06.2016	Valid
2014	01.01.2014 - 31.12.2014	27.06.2015	Valid
2013	01.01.2013 - 31.12.2013	30.05.2014	Valid
2012	01.01.2012 - 31.12.2012	25.06.2013	Valid
2011	01.01.2011 - 31.12.2011	15.05.2012	Valid
2011	01.01.2011 - 31.12.2011	15.05.2012	Expired
2010	01.01.2010 - 31.12.2010	17.06.2011	Valid
2009	01.01.2009 - 31.12.2009	17.06.2010	Valid
2008	01.01.2008 - 31.12.2008	17.06.2009	Valid
2007	01.01.2007 - 31.12.2007	21.05.2008	Valid
2006	01.01.2006 - 31.12.2006	27.06.2007	Valid
2005	01.01.2005 - 31.12.2005	30.06.2006	Valid
2004	01.01.2004 - 31.12.2004	09.05.2005	Valid
2003	01.01.2003 - 31.12.2003	15.06.2004	Valid
2002	01.01.2002 - 31.12.2002	12.06.2003	Valid
2001	01.01.2001 - 31.12.2001	28.06.2002	Valid
2000	01.01.2000 - 31.12.2000	29.06.2001	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 21.07.2026.

Delayed declarations

	Deadline	Submitted
Income- and social-tax return	12.01.2026	14.01.2026	2 days overdue

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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	2 050 700 €	1 507 961 €	2 921 880 €24.8%	280
2026 Q1	2 304 515 €	1 557 558 €	3 887 316 €272.3%	279
Kokku 2026:	4 355 215 €	3 065 519 €	6 809 196 €
2025 Q4	1 680 207 €	1 460 232 €	1 044 114 €57.0%	275
2025 Q3	1 928 583 €	1 556 417 €	2 426 615 €118.3%	265
2025 Q2	1 526 338 €	1 399 445 €	1 111 685 €64.6%	272
2025 Q1	1 899 425 €	1 429 695 €	3 137 055 €49.7%	264
Kokku 2025:	7 034 553 €	5 845 789 €	7 719 469 €15.4%
2024 Q4	1 624 350 €	1 280 827 €	2 095 901 €211.6%	255
2024 Q3	1 445 262 €	1 362 267 €	672 681 €40.3%	262
2024 Q2	1 413 313 €	1 288 675 €	1 125 913 €59.7%	268
2024 Q1	1 682 305 €	1 227 640 €	2 792 153 €299.9%	257
Kokku 2024:	6 165 230 €	5 159 409 €	6 686 648 €16.4%
2023 Q4	1 263 484 €	1 183 531 €	698 298 €60.3%	250
2023 Q3	1 565 625 €	1 264 762 €	1 760 090 €9.2%	248
2023 Q2	1 478 157 €	1 140 136 €	1 938 325 €46.2%	252
2023 Q1	1 907 294 €	1 147 264 €	3 604 024 €67.6%	243
Kokku 2023:	6 214 559 €	4 735 692 €	8 000 738 €40.9%
2022 Q4	1 434 804 €	1 105 825 €	2 150 207 €5.5%	247
2022 Q3	1 611 216 €	1 097 673 €	2 276 412 €42.0%	246
2022 Q2	1 788 600 €	1 080 586 €	3 927 217 €24.2%	252
2022 Q1	1 985 864 €	1 049 578 €	5 179 238 €92.2%	243
Kokku 2022:	6 820 485 €	4 333 663 €	13 533 075 €115.5%
2021 Q4	1 494 815 €	1 040 302 €	2 694 767 €551.4%	250
2021 Q3	1 054 881 €	1 045 000 €	413 678 €69.9%	249
2021 Q2	1 474 933 €	1 283 761 €	1 374 042 €23.6%	252
2021 Q1	1 195 312 €	911 834 €	1 797 334 €36.7%	256
Kokku 2021:	5 219 942 €	4 280 897 €	6 279 820 €17.5%
2020 Q4	1 194 883 €	906 481 €	1 315 243 €42.4%	257
2020 Q3	1 323 738 €	941 852 €	2 282 718 €1.3%	251
2020 Q2	1 524 674 €	1 167 387 €	2 254 429 €28.4%	260
2020 Q1	1 175 145 €	863 932 €	1 755 251 €191.7%	261
Kokku 2020:	5 218 440 €	3 879 652 €	7 607 641 €97.3%
2019 Q4	912 649 €	824 931 €	601 656 €66.8%	264
2019 Q3	1 215 804 €	904 657 €	1 814 205 €302.3%	275
2019 Q2	1 075 666 €	1 054 967 €	451 010 €54.4%	256
2019 Q1	939 115 €	798 431 €	989 951 €972.7%	261
Kokku 2019:	4 143 234 €	3 582 986 €	3 856 822 €149.3%
2018 Q4	835 861 €	796 826 €	92 284 €89.4%	263
2018 Q3	844 108 €	811 539 €	867 304 €1 204.8%	266
2018 Q2	1 206 445 €	1 273 040 €	66 471 €87.2%	271
2018 Q1	859 828 €	815 092 €	520 696 €75.5%	276
Kokku 2018:	3 746 242 €	3 696 497 €	1 546 755 €6.5%
2017 Q4	742 330 €	739 392 €	296 740 €41.3%	289
2017 Q3	809 592 €	759 292 €	505 092 €54.5%	291
2017 Q2	1 030 763 €	1 033 738 €	326 968 €37.7%	272
2017 Q1	791 655 €	739 838 €	524 814 €95.3%	270
Kokku 2017:	3 374 340 €	3 272 260 €	1 653 614 €96.7%
2016 Q4	690 419 €	728 318 €	11 106 768 €9.0%	263
2016 Q3	813 645 €	800 123 €	12 201 785 €21.1%	263
2016 Q2	953 268 €	1 014 470 €	15 470 549 €37.9%	263
2016 Q1	705 492 €	735 556 €	11 217 145 €12.0%	263
Kokku 2016:	3 162 824 €	3 278 467 €	49 996 247 €8.9%
2015 Q4	665 701 €	686 767 €	10 013 501 €13.6%	308
2015 Q3	780 394 €	795 187 €	11 594 343 €17.1%	308
2015 Q2	922 375 €	959 370 €	13 988 243 €35.4%	308
2015 Q1	711 886 €	708 413 €	10 329 117 €	308
Kokku 2015:	3 080 356 €	3 149 737 €	45 925 204 €

Revenue by industry

	2023	2024	2025
Non-life insurance	82 376 832 €	88 050 584 €	80 592 568 €
Reinsurance	434 732 €	36 722 €

Tax debts

No tax debt found

No tax debt as of 21.07.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Laime Naruševičienė	47505XXXXXX	10.05.1975 (51)	Board member	29.01.2025	-
Aija Medne	-	31.08.1977 (48)	Board member	05.02.2024	-
Tadas Dovbysas	37803XXXXXX	19.03.1978 (48)	Board member	29.05.2023	-
Ursula Clara Deschka	47906XXXXXX	06.06.1979 (47)	Board member	04.05.2023	-
Marek Ratnik	37402XXXXXX	13.02.1974 (52)	Board member	20.07.2018	-

17 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
ERGO INTERNATIONAL AG	DEHRBXXXXX	-	Shareholder	6 391 391,10 EUR	100	Sole ownership	16.08.2023	-

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
Dirk Christoph Schautes	-	30.08.1971 (54)	Supervisory-board member	17.01.2025	-
Theodoros Kokkalas	-	28.03.1964 (62)	Chairman of the supervisory board	17.01.2025	-
Dominique Godin	-	05.04.1975 (51)	Supervisory-board member	17.01.2025	-
Ernst & Young Baltic AS	-	-	Audit firm	09.11.2022	-
Ilona Mihele	-	27.08.1971 (54)	Supervisory-board member	26.09.2022	-

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
Laime Naruševičienė	47505XXXXXX	10.05.1975 (51)	Member of higher governing body (board or supervisory board)	13.06.2025	-
Aija Medne	-	31.08.1977 (48)	Member of higher governing body (board or supervisory board)	11.06.2025	-
Ursula Clara Deschka	47906XXXXXX	06.06.1979 (47)	Member of higher governing body (board or supervisory board)	22.05.2023	-
Marek Ratnik	37402XXXXXX	13.02.1974 (52)	Member of higher governing body (board or supervisory board)	04.03.2021	-
Tadas Dovbyšas	37803XXXXXX	19.03.1978 (48)	Member of higher governing body (board or supervisory board)	04.03.2021	-

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

1 - 5 / 5 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
DEAX Õigusbüroo OÜ	18.09.2017	Shareholder	50 000,00 EUR	100	Sole ownership	01.09.2023	-

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

1 - 1 / 1 rows

2026 Q2

Turnover

Amount

2 921 880 €

Monthly average

973 960 €

Per employee

3 478 €

Equity ratio

15,24%

Labour taxes

Turnover ratio

51,61%

Tax ratio

73,53%

Monthly average

502 654 €

Per employee

1 798 €

State taxes

Monthly average

683 567 €

Turnover ratio

70,18%

Estimated salary

Gross salary

3 270 €

Net salary

2 577 €

Aggregate data

	2025	2024	2023	2022	2020	2019
Current assets	-	-	274 694 272 €8.2%	299 260 704 €376.0%	62 866 864 €	-
Non-current assets	-	-	71 827 856 €39.2%	51 591 624 €78.8%	243 889 904 €	-
Total assets	164 115 712 €5.2%	155 998 624 €55.0%	346 522 112 €1.2%	350 852 320 €14.4%	306 756 768 €197.8%	103 012 328 €
Short-term liabilities	-	-	-	-	-	-
Long-term liabilities	-	-	-	-	-	-
Total liabilities	-	-	-	-	-	-
Share or stock capital	-	-	6 391 391 €	6 391 391 €	6 391 391 €	-
Retained earnings	-	-	83 345 841 €46.1%	57 039 001 €6.8%	61 177 358 €	-
Net profit	-	-	2 589 528 €50.9%	5 269 592 €59.6%	13 042 451 €	-
Equity	-	-	92 326 760 €34.4%	68 699 984 €14.8%	80 611 200 €	-
Turnover	80 592 568 €8.5%	88 087 304 €6.4%	82 811 568 €20.2%	68 920 864 €64.5%	194 141 232 €214.8%	61 662 528 €
Profit margin	0.00%	0.00%	3.13%59.1%	7.65%13.8%	6.72%	0.00%

Financial ratios

	2025	2023	2022	2020	2018
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	-	-	-	-	-
Quick ratio	-	-	-	-	-
Cash ratio	-	-	-	-	-
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	A.U	C.G	O.W	0.7	0.8
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	O.W%	A.W%	T.B%	0.0%	0.0%
Return on equity (roe)	P.U%	A.O%	P.Z%	0.0%	0.0%

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 10000861 / M32	31.03.2026	Directive order	07.04.2026	Entered into force (31.03.2026)
Ä 10000861 / M31	05.05.2025	Directive order		Entered into force (05.05.2025)
Ä 10000861 / 61	29.01.2025	Entry - Amendment entry		Entered into force (29.01.2025)
Ä 10000861 / M30	27.01.2025	Order to remedy deficiencies - Amendment entry	12.02.2025	Deficiencies remedied (29.01.2025)
Ä 10000861 / 60	06.12.2024	Entry - Amendment entry		Entered into force (06.12.2024)

1 - 5 / 78 rows

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions

Document no.	Composition	Decision	Date
19-1/25-14201-001	Alar Urm	Against the consumer	10.03.2026
19-1/25-09266-001	Alar Urm	Against the consumer	01.09.2025
19-1/25-05094-001	Alar Urm	Against the consumer	26.06.2025
19-1/24-15122-001	Alar Urm	Against the consumer	21.01.2025
19-1/24-13854-001	Alar Urm	Against the consumer	13.12.2024

1 - 5 / 16 rows

Court decisions

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date
2-26-2897/4						17.03.2026
2-24-18675/17						30.01.2026
2-26-232/11						28.01.2026
2-25-122294/7						07.01.2026
2-25-1250/26	Civil case	Court ruling (Compromise ruling)	Law of obligations	Mai Grauberg	ECLI:EE:HMK:2025:2.25.1250.17391	17.11.2025

1 - 5 / 682 rows

Official announcements

Subject	Date
Notice of conclusion of a cross-border merger agreement	02.02.2026
Notice of approval of the distribution proposal	13.10.2017
Notice of conclusion of a public limited company merger agreement	17.07.2017
Notice of conclusion of a public limited company merger agreement	17.07.2017
Notices of commercial and non-profit associations and foundations	11.06.2012

1 - 5 / 5 rows

Public transactions

Date	Party	Amount	Classification
30.06.2026	Sihtasutus Pärnu Haigla	2 440.31 € Received	OPERATING EXPENSES General hospital services
26.06.2026	Jõgeva Vallavalitsus	129.56 € Received	OPERATING EXPENSES Biodiversity and landscape conservation
26.06.2026	Jõgeva Vallavalitsus	160.04 € Received	OPERATING EXPENSES Biodiversity and landscape conservation
22.06.2026	Sihtasutus Kuremaa Elamuskeskus	506.71 € Received	OPERATING EXPENSES General economic development projects
12.06.2026	Valgamaa Kutseõppekeskus	87.49 € Received	OPERATING EXPENSES Shelter / lodging

1 - 5 / 3121 rows

.ee domains

Domain	Status	Registered	Expires	End
jamamajas.ee	Active	09.08.2022	10.08.2026	-
ennetustegu.ee	Active	14.01.2022	15.01.2027	-
ergodna.ee	Active	11.10.2021	12.10.2026	-
ergokindlustus.ee	Active	27.07.2010	28.07.2027	-
elukindlustus.ee	Active	27.07.2010	28.07.2027	-

1 - 5 / 9 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