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 y)
Former business names:: BICO-LEKS KINDLUSTUSE AKTSIASELTS, Balti Kindlustuse Aktsiaselts, ERGO Kindlustuse Aktsiaselts
Capital:: 6 391 391,10 EUR
Address:: Veskiposti tn 2/1, Kesklinna linnaosa, Tallinn, Harju maakond, 10138
Status:: Registered
LEI code:: 549300WOSFHL8FRS5V57

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Contacts

Phone:: +372 6106500
Email:: info@ergo.ee
Website:: https://www.ergo.ee/

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Industries

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

Industry TOPNo. 1 of 9 companies

1.ERGO Insurance SE9.6M €
2.If P&C Insurance AS4M €
3.Swedbank P&C Insurance AS3.5M €
4.EASY ASSISTANCE ESTONIA OÜ745.3k €
5.mittetulundusühing Eesti Liikluskindlustuse Fond664.8k €
6.Salva Kindlustuse AS529.2k €
7.AS LHV Kindlustus515k €
8.Elama Kindlustus AS399.7k €
9.Aktsiaselts KredEx Krediidikindlustus186.4k €

Main activity 65121 · turnover over the last 4 quarters

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VAT liability

VAT no.	Start	End
EE100295906	01.11.1996	-

Annual reports

Aggregate data

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	26.05.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	11.06.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	01.07.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	09.06.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	17.08.2022	Valid	PDF
2021	01.01.2021 – 31.12.2021	20.06.2022	Expired	PDF
2020	01.01.2020 – 31.12.2020	04.05.2021	Valid	PDF
2019	01.01.2019 – 31.12.2019	14.10.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	18.06.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	18.06.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	26.05.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	20.06.2016	Valid	PDF
2014	01.01.2014 – 31.12.2014	27.06.2015	Valid	PDF
2013	01.01.2013 – 31.12.2013	30.05.2014	Valid	PDF
2012	01.01.2012 – 31.12.2012	25.06.2013	Valid	PDF
2011	01.01.2011 – 31.12.2011	15.05.2012	Valid	PDF
2011	01.01.2011 – 31.12.2011	15.05.2012	Expired	PDF
2010	01.01.2010 – 31.12.2010	17.06.2011	Valid	PDF
2009	01.01.2009 – 31.12.2009	17.06.2010	Valid	PDF
2008	01.01.2008 – 31.12.2008	17.06.2009	Valid	PDF
2007	01.01.2007 – 31.12.2007	21.05.2008	Valid	PDF
2006	01.01.2006 – 31.12.2006	27.06.2007	Valid	PDF
2005	01.01.2005 – 31.12.2005	30.06.2006	Valid	PDF
2004	01.01.2004 – 31.12.2004	09.05.2005	Valid	PDF
2003	01.01.2003 – 31.12.2003	15.06.2004	Valid	PDF
2002	01.01.2002 – 31.12.2002	12.06.2003	Valid	PDF
2001	01.01.2001 – 31.12.2001	28.06.2002	Valid	PDF
2000	01.01.2000 – 31.12.2000	29.06.2001	Valid	PDF

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 19.10.2026.

Delayed declarations

Income- and social-tax return

12.01.2026

14.01.2026

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Tax debt Reports Declarations Court decisions696 Official announcements5 TTJA decisions18 Real estate–.ee domains9 Licenses–Regulations79 Public transactions3255 Grants–State aid3 Public procurement198 Holdings in companies1 Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	1,84 M €	1,62 M €	1,76 M €−39,7%	284
2026 Q2	2,05 M €	1,51 M €	2,92 M €−24,8%	281
2026 Q1	2,30 M €	1,56 M €	3,89 M €+272%	280
Total 2026:	6,20 M €	4,69 M €	8,57 M €
2025 Q4	1,68 M €	1,46 M €	1,04 M €−57,0%	276
2025 Q3	1,93 M €	1,56 M €	2,43 M €+118%	266
2025 Q2	1,53 M €	1,40 M €	1,11 M €−64,6%	273
2025 Q1	1,90 M €	1,43 M €	3,14 M €+49,7%	265
Total 2025:	7,04 M €	5,85 M €	7,72 M €
2024 Q4	1,62 M €	1,28 M €	2,10 M €+212%	259
2024 Q3	1,45 M €	1,36 M €	672 681 €−40,3%	265
2024 Q2	1,41 M €	1,29 M €	1,13 M €−59,7%	272
2024 Q1	1,68 M €	1,23 M €	2,79 M €+144%	261
Total 2024:	6,17 M €	5,16 M €	6,69 M €
2023 Q4	1,26 M €	1,18 M €	1,14 M €−41,3%	253
2023 Q3	1,57 M €	1,26 M €	1,95 M €−11,2%	251
2023 Q2	1,48 M €	1,14 M €	2,20 M €−41,0%	254
2023 Q1	1,91 M €	1,15 M €	3,73 M €+34,1%	247
Total 2023:	6,21 M €	4,74 M €	9,02 M €
2022 Q4	1,43 M €	1,11 M €	2,78 M €+19,4%	250
2022 Q3	1,61 M €	1,10 M €	2,33 M €−50,1%	249
2022 Q2	1,79 M €	1,08 M €	4,67 M €−10,7%	255
2022 Q1	1,99 M €	1,05 M €	5,23 M €+94,0%	246
Total 2022:	6,82 M €	4,33 M €	15,0 M €
2021 Q4	1,49 M €	1,04 M €	2,69 M €+551%	250
2021 Q3	1,05 M €	1,05 M €	413 678,06 €−69,9%	249
2021 Q2	1,47 M €	1,28 M €	1,37 M €−23,6%	252
2021 Q1	1,20 M €	911 834,12 €	1,80 M €+36,7%	256
Total 2021:	5,22 M €	4,28 M €	6,28 M €
2020 Q4	1,19 M €	906 480,68 €	1,32 M €−42,4%	257
2020 Q3	1,32 M €	941 851,73 €	2,28 M €+1,3%	251
2020 Q2	1,52 M €	1,17 M €	2,25 M €+28,4%	260
2020 Q1	1,18 M €	863 932 €	1,76 M €+192%	261
Total 2020:	5,22 M €	3,88 M €	7,61 M €
2019 Q4	912 649 €	824 931 €	601 656 €−66,8%	264
2019 Q3	1,22 M €	904 657 €	1,81 M €+302%	275
2019 Q2	1,08 M €	1,05 M €	451 010 €−54,4%	256
2019 Q1	939 115 €	798 431 €	989 951 €+973%	261
Total 2019:	4,14 M €	3,58 M €	3,86 M €
2018 Q4	835 861 €	796 826 €	92 284 €−89,4%	263
2018 Q3	844 108 €	811 539 €	867 304 €+1 205%	266
2018 Q2	1,21 M €	1,27 M €	66 471 €−87,2%	271
2018 Q1	859 828 €	815 092 €	520 696 €+75,5%	276
Total 2018:	3,75 M €	3,70 M €	1,55 M €
2017 Q4	742 330 €	739 392 €	296 740 €−41,3%	289
2017 Q3	809 592 €	759 292 €	505 092 €+54,5%	291
2017 Q2	1,03 M €	1,03 M €	326 968 €−37,7%	272
2017 Q1	791 655 €	739 838 €	524 814 €−95,3%	270
Total 2017:	3,37 M €	3,27 M €	1,65 M €
2016 Q4	690 419 €	728 318 €	11,1 M €−9,0%	263
2016 Q3	813 645 €	800 123 €	12,2 M €−21,1%	263
2016 Q2	953 268 €	1,01 M €	15,5 M €+37,9%	263
2016 Q1	705 492 €	735 556 €	11,2 M €+12,0%	263
Total 2016:	3,16 M €	3,28 M €	50,0 M €
2015 Q4	665 701 €	686 767 €	10,0 M €−13,6%	308
2015 Q3	780 394 €	795 187 €	11,6 M €−17,1%	308
2015 Q2	922 375 €	959 370 €	14,0 M €+35,4%	308
2015 Q1	711 886 €	708 413 €	10,3 M €	308
Total 2015:	3,08 M €	3,15 M €	45,9 M €

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 19.10.2026

Representatives

	Personal ID code
Laime Naruševičienė	47505XXXXXX	10.05.1975 (51)	Board member	29.01.2025	-
Aija Medne	-	31.08.1977 (49)	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	-

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Shareholders

	Personal ID code
ERGO INTERNATIONAL AG	DEHRBXXXXX	-	Shareholder	6 391 391,10 EUR	100,00%	Sole ownership	16.08.2023	-

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Other persons

	Personal ID code
Dominique Godin	-	05.04.1975 (51)	Supervisory-board member	17.01.2025	-
Dirk Christoph Schautes	-	30.08.1971 (55)	Supervisory-board member	17.01.2025	-
Theodoros Kokkalas	-	28.03.1964 (62)	Chairman of the supervisory board	17.01.2025	-
Ernst & Young Baltic AS	10877299	16.07.2002 (24)	Audit firm	09.11.2022	-
Ilona Mihele	-	27.08.1971 (55)	Supervisory-board member	26.09.2022	-

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Ultimate beneficial owners

	Personal ID code
Laime Naruševičienė	47505XXXXXX	10.05.1975 (51)	Member of higher governing body (board or supervisory board)	13.06.2025	-
Aija Medne	-	31.08.1977 (49)	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	-

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Holdings in companies


DEAX Õigusbüroo OÜ	18.09.2017	Shareholder	50 000 EUR	100,00%	Sole ownership	01.09.2023	-

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2026 Q3

Turnover

Amount: 1 762 901 €
Monthly average: 587 634 €
Per employee: 2 069 €
Equity ratio: 9,19%

Labour taxes

Turnover ratio: 92,05%
Tax ratio: 88,16%
Monthly average: 540 900 €
Per employee: 1 915 €

State taxes

Monthly average: 613 539 €
Turnover ratio: 104,41%

Estimated salary

Gross salary: 3 458 €
Net salary: 2 754 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2020	2019
Current assets	-	-	274 694 272 €−8,2%	299 260 704 €+376%	62 866 864 €+2 514 575%	2 500 €
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 €+198%	103 012 328 €
Short-term liabilities	-	-	-	364 056 €	-	-
Long-term liabilities	-	-	-	10 776 €	-	-
Total liabilities	-	-	-	374 832 €	-	-
Share or stock capital	-	-	6 391 391 €	6 391 391 €	6 391 391 €	-
Retained earnings	-	-	83 134 896 €+24,7%	66 676 208 €+17,6%	56 707 348 €	-
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 €+3 224 348%	2 500 €
Turnover	80 592 568 €−8,5%	88 087 304 €+6,4%	82 811 568 €+20,2%	68 920 864 €−64,5%	194 141 232 €+215%	61 662 528 €
Profit margin	-	-	3,1%	7,6%	6,7%	-

Financial ratios

	2020	2018
Profit and cash flow
EBITDA	-	-
Liquidity
Current ratio	0,3	1,2
Quick ratio	0,3	1,1
Cash ratio	0,0	0,1
Efficiency
Days sales outstanding (dso)	-	-
Asset turnover	-	-
Structure
Debt ratio	0,7	0,8
Profitability
Operating margin	-	-
Net profit margin	-	-
Return on assets (roa)	-	-
Return on equity (roe)	-	-

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 10000861 / 62	11.08.2026	Entry – Amendment entry	-	Entered into force11.08.2026
Ä 10000861 / M32	31.03.2026	Directive order	07.04.2026	Entered into force31.03.2026
Ä 10000861 / M31	05.05.2025	Directive order	-	Entered into force05.05.2025
Ä 10000861 / 61	29.01.2025	Entry – Amendment entry	-	Entered into force29.01.2025
Ä 10000861 / M30	27.01.2025	Order to remedy deficiencies – Amendment entry	12.02.2025	Deficiencies remedied29.01.2025

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions


19-1/26-10016-001	Meelis Pirn, Martin Simmermann, Jüri Aava	Against the consumer	02.09.2026	PDF
19-1/26-04014-001	Alar Urm, Jüri Aava, Mic Merila	In favour of the consumer	13.08.2026	PDF
19-1/25-14201-001	Alar Urm	Against the consumer	10.03.2026	PDF
19-1/25-09266-001	Alar Urm	Against the consumer	01.09.2025	PDF
19-1/25-05094-001	Alar Urm	Against the consumer	26.06.2025	PDF

Court decisions


2-25-15924/13	Kohtu I astme menetlus	Court ruling	Law of obligations	Anu Uritam	ECLI:EE:HMK:2026:2.25.15924.13728	08.09.2026	Open
2-25-17676/28	Kohtu I astme menetlus	Court ruling	Other, law of obligations	Maris Möls	ECLI:EE:VMK:2026:2.25.17676.12988	31.08.2026	Open
2-26-115072/3	Kohtu I astme menetlus	Court ruling	Law of obligations	Marika Leimann	ECLI:EE:VMK:2026:2.26.115072.12768	10.08.2026	Open
2-19-14759/149	Apellatsioonmenetlus	Court judgment	Law of obligations	Vallo Kariler, Siret Siilbek, Aleksandr Kondrašov	ECLI:EE:TLRK:2026:2.19.14759.10653	15.06.2026	Open
2-26-102191/5	Kohtu I astme menetlus	Court ruling	Law of obligations	Merili Ratasepp	ECLI:EE:TMK:2026:2.26.102191.9410	12.06.2026	Open

Official announcements


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

Public transactions


30.09.2026	Sihtasutus Pärnu Haigla	2 440,31 €Received	OPERATING EXPENSESGeneral hospital services
30.09.2026	Haapsalu Kesklinna Lasteaiad	582 €Received	OPERATING EXPENSESPre-primary education
16.09.2026	Türi Vallavalitsus	208,56 €Received	OPERATING EXPENSESBiodiversity and landscape conservation
16.09.2026	Tartu Ülikool	743,43 €Received	OPERATING EXPENSESTertiary education
09.09.2026	Rahvusooper Estonia	488,66 €Received	OPERATING EXPENSESTheatres

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid


18.06.2026	Haridus- ja NoorteametAid measure 241652	Muu › MuuGrant	666,60 €	241652/2600929
14.05.2026	Haridus- ja NoorteametAid measure 241652	Muu › MuuGrant	342 €	241652/2600312
01.04.2020	Tallinna LinnakantseleiAid measure 20912	KOMISJONI TEATIS Riigiabi ajutine raamistik majanduse toetamiseks praeguse COVID-19 puhangu kontekstis › Komisjoni teatise jaotis 3.1 "Otsetoetuste, tagasimakstvate ettemaksete või maksusoodustustena antav abi"Grant	0,07 €	20912/2002080

Public procurement contracts


30.09.2026End 30.09.2027	Reference number 314339 · Hankeleping_RH 314339_ERGO_Osad 6 10	Haapsalu LinnavalitsusContracting authority	-	Concluded
01.02.2026End 31.01.2027	Reference number 271079 · Varakindlustus perioodiks 01.02.2026-31.01.2027	Aktsiaselts Tallinna LinnatransportContracting authority	69 000 €	Concluded
07.01.2026End 14.01.2027	Reference number 303342 · Metrosert AS õnnetusjuhtumi leping	Aktsiaselts MetrosertContracting authority	4 499,07 €	Concluded
20.11.2025End 30.12.2026	Reference number 297149 · Hankeleping	Riigi Kinnisvara AktsiaseltsContracting authority	236 039,80 €	Concluded
10.10.2025End 08.10.2026	Reference number 299930 · Tööandja vastutuskindlustuse poliis	Aktsiaselts MetrosertContracting authority	476,28 €	Concluded

.ee domains


jamamajas.ee	Active	09.08.2022	10.08.2027
ennetustegu.ee	Active	14.01.2022	15.01.2027
ergodna.ee	Active	11.10.2021	12.10.2027
ergokindlustus.ee	Active	27.07.2010	28.07.2027
elukindlustus.ee	Active	27.07.2010	28.07.2027

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

Data comes from public registers.