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Elama Kindlustus AS

Legal form:

Public limited company

Registry code:

10089395

VAT no.:

EE101373209

Fiscal-year period:

01.01 - 31.12

Established:

29.10.1996 (29)

Former business names:

Aktsiaselts INGES KINDLUSTUS

Capital:

4 012 391,60 EUR

Address:

Liivalaia tn 45, Kesklinna linnaosa, Tallinn, Harju maakond, 10145

Status:

Registered

Contacts

Email:

elama@elama.ee

Phone:

+372 6410436

Website:

https://elama.ee

Industries

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

VAT liability

	Start	End
EE101373209	13.02.2025
EE101373209	10.06.2010	12.02.2025

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	30.05.2025	Valid
2023	01.01.2023 - 31.12.2023	03.07.2024	Valid
2023	01.01.2023 - 31.12.2023	03.07.2024	Expired
2022	01.01.2022 - 31.12.2022	03.07.2023	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	09.09.2020	Valid
2018	01.01.2018 - 31.12.2018	28.06.2019	Valid
2017	01.01.2017 - 31.12.2017	29.06.2018	Valid
2016	01.01.2016 - 31.12.2016	28.06.2017	Valid
2015	01.01.2015 - 31.12.2015	29.06.2016	Valid
2014	01.01.2014 - 31.12.2014	26.06.2015	Valid
2013	01.01.2013 - 31.12.2013	27.06.2014	Valid
2012	01.01.2012 - 31.12.2012	12.06.2013	Valid
2011	01.01.2011 - 31.12.2011	21.06.2012	Valid
2010	01.01.2010 - 31.12.2010	21.06.2011	Valid
2009	01.01.2009 - 31.12.2009	25.06.2010	Valid
2008	01.01.2008 - 31.12.2008	29.06.2009	Valid
2007	01.01.2007 - 31.12.2007	03.07.2008	Valid
2006	01.01.2006 - 31.12.2006	16.05.2007	Valid
2005	01.01.2005 - 31.12.2005	28.06.2006	Valid
2004	01.01.2004 - 31.12.2004	29.06.2005	Valid
2003	01.01.2003 - 31.12.2003	29.06.2004	Valid
2002	01.01.2002 - 31.12.2002	30.06.2003	Valid
2001	01.01.2001 - 31.12.2001	28.06.2002	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 05.06.2026.

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	230 406 €	227 541 €	82 656 €18.3%	32
Kokku 2026:	230 406 €	227 541 €	82 656 €
2025 Q4	202 216 €	191 675 €	101 163 €46.1%	31
2025 Q3	201 739 €	200 565 €	69 259 €32.0%	29
2025 Q2	209 574 €	203 222 €	101 795 €28.9%	29
2025 Q1	187 397 €	164 664 €	143 123 €8.6%	26
Kokku 2025:	800 926 €	760 126 €	415 340 €14.7%
2024 Q4	176 097 €	148 345 €	156 610 €64.4%	24
2024 Q3	148 373 €	134 026 €	95 238 €8.3%	24
2024 Q2	120 341 €	101 262 €	103 827 €1 520.3%	22
2024 Q1	144 336 €	150 663 €	6 408 €64.1%	21
Kokku 2024:	589 147 €	534 296 €	362 083 €572.1%
2023 Q4	128 023 €	130 969 €	17 857 €60.4%	19
2023 Q3	96 156 €	98 725 €	11 134 €18.1%	19
2023 Q2	94 901 €	96 837 €	13 589 €20.3%	18
2023 Q1	101 288 €	103 406 €	11 296 €122.3%	18
Kokku 2023:	420 367 €	429 936 €	53 877 €351.9%
2022 Q4	93 914 €	97 130 €	5 082 €69.9%	18
2022 Q3	99 550 €	103 251 €	2 991 €37.8%	18
2022 Q2	70 116 €	72 699 €	2 171 €29.5%	18
2022 Q1	72 317 €	74 373 €	1 677 €62.8%	19
Kokku 2022:	335 897 €	347 452 €	11 921 €0.8%
2021 Q4	71 852 €	73 852 €	4 513 €9.9%	20
2021 Q3	137 291 €	139 785 €	5 009 €330.1%	21
2021 Q2	75 721 €	79 063 €	1 165 €12.6%	21
2021 Q1	74 293 €	77 163 €	1 333 €71.4%	25
Kokku 2021:	359 157 €	369 864 €	12 020 €98.6%
2020 Q4	104 431 €	106 835 €	4 657 €	25
2020 Q3	75 778 €	79 520 €	0 €100.0%	26
2020 Q2	78 174 €	81 868 €	200 €83.3%	27
2020 Q1	78 454 €	80 727 €	1 195 €	27
Kokku 2020:	336 837 €	348 950 €	6 052 €
2019 Q4	73 632 €	76 718 €	0 €	27
2019 Q3	71 428 €	74 777 €	0 €	29
2019 Q2	74 907 €	77 925 €	0 €	25
2019 Q1	96 848 €	99 953 €	0 €	25
Kokku 2019:	316 815 €	329 373 €	0 €
2018 Q4	71 563 €	73 844 €	0 €	26
2018 Q3	68 222 €	71 446 €	0 €	26
2018 Q2	71 696 €	74 673 €	0 €	26
2018 Q1	69 030 €	72 202 €	0 €	26
Kokku 2018:	280 511 €	292 165 €	0 €100.0%
2017 Q4	65 392 €	68 427 €	0 €100.0%	26
2017 Q3	68 303 €	70 713 €	5 000 €	26
2017 Q2	69 687 €	72 905 €	0 €	25
2017 Q1	64 732 €	67 284 €	0 €100.0%	27
Kokku 2017:	268 114 €	279 329 €	5 000 €99.9%
2016 Q4	63 798 €	66 642 €	1 460 984 €1.5%	21
2016 Q3	64 749 €	67 646 €	1 482 995 €1.5%	21
2016 Q2	66 068 €	68 678 €	1 505 625 €12.7%	21
2016 Q1	58 342 €	60 928 €	1 335 715 €148.9%	21
Kokku 2016:	252 957 €	263 894 €	5 785 319 €152.1%
2015 Q4	58 354 €	60 756 €	536 731 €8.3%	22
2015 Q3	63 256 €	66 254 €	585 301 €4.9%	22
2015 Q2	60 212 €	63 186 €	558 198 €9.2%	22
2015 Q1	66 652 €	69 616 €	615 006 €	22
Kokku 2015:	248 474 €	259 812 €	2 295 236 €

Revenue by industry

	2021	2022	2024
Non-life insurance	4 542 756 €	7 809 675 €	6 999 226 €

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
Jaanus Seppa	37405XXXXXX	01.05.1974 (52)	Board member	01.04.2024	-
Tanel Kurs	38001XXXXXX	26.01.1980 (46)	Board member	01.04.2024	-

7 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
Tavex Group AS	-	01.01.2026 (0)	Shareholder	730 666,19 EUR	18,21	Sole ownership	23.01.2026	-
OÜ R-Holding	-	02.05.2006 (20)	Shareholder	748 748,68 EUR	18,66	Sole ownership	05.05.2025	-

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

1 - 2 / 2 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Kpmg Baltics Oü	-	-	Audit firm	14.04.2026	-
Valmar Vaater	37708XXXXXX	14.08.1977 (48)	Supervisory-board member	12.07.2025	-
Tõnis Karu	37404XXXXXX	27.04.1974 (52)	Supervisory-board member	23.03.2024	-
Indrek Holst	36905XXXXXX	25.05.1969 (57)	Chairman of the supervisory board	08.02.2024	-
Kuno Rääk	37111XXXXXX	06.11.1971 (54)	Supervisory-board member	08.02.2024	-

18 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
Jaanus Seppa	37405XXXXXX	01.05.1974 (52)	Member of higher governing body (board or supervisory board)	26.04.2024	-
Tanel Kurs	38001XXXXXX	26.01.1980 (46)	Member of higher governing body (board or supervisory board)	26.04.2024	-

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

1 - 2 / 2 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q1

Turnover

Amount

82 656 €

Monthly average

27 552 €

Per employee

861 €

Equity ratio

0,69%

Labour taxes

Turnover ratio

275,29%

Tax ratio

98,76%

Monthly average

75 847 €

Per employee

2 408 €

State taxes

Monthly average

76 802 €

Turnover ratio

278,75%

Estimated salary

Gross salary

4 296 €

Net salary

3 340 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	-	-	-	-	8 762 254 €32.4%	12 963 954 €
Non-current assets	-	-	-	-	11 199 440 €26.0%	8 890 168 €
Total assets	21 320 080 €10.7%	19 258 144 €12.7%	22 055 852 €10.6%	19 938 568 €0.1%	19 961 694 €8.7%	21 854 122 €
Short-term liabilities	-	-	-	-	-	-
Long-term liabilities	-	-	-	-	-	-
Total liabilities	-	-	-	-	-	-
Share or stock capital	-	-	-	-	3 195 582 €	3 195 582 €
Retained earnings	-	-	-	-	3 545 446 €20.1%	2 951 818 €
Net profit	-	-	-	-	826 476 €39.2%	593 628 €
Equity	-	-	-	-	7 567 504 €12.3%	6 741 028 €
Turnover	6 999 226 €8.7%	7 668 433 €1.8%	7 809 675 €71.9%	4 542 756 €15.0%	5 345 280 €37.8%	8 600 497 €
Profit margin	0.00%	0.00%	0.00%	0.00%	15.46%124.0%	6.90%

Financial ratios

	2020	2019	2018	2017	2016
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	-	-	-	1.0	-
Quick ratio	-	-	-	0.5	-
Cash ratio	-	-	-	0.5	-
Efficiency
Days sales outstanding (dso)	HFP.F	-	-	-	51.5
Asset turnover	F.P	-	-	-	0.2
Structure
Debt ratio	Z.B	A.G	G.Q	0.7	0.6
Profitability
Operating margin	DD.G%	-	-	-	3.7%
Net profit margin	IG.U%	-	-	-	3.7%
Return on assets (roa)	F.H%	E.Y%	G.N%	0.0%	0.9%
Return on equity (roe)	IA.Y%	F.N%	D.C%	0.0%	2.1%

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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 10005866 / 31	01.11.2024	Entry - Amendment entry		Entered into force (01.11.2024)
Ä 10005866 / M16	22.10.2024	Order confirming reservation of business name		Entered into force (22.10.2024)
Ä 10005866 / 30	22.10.2024	Entry to be made on a fixed date - Amendment entry		Entered into force (22.10.2024)
Ä 10005866 / 29	27.09.2024	Entry - Amendment entry		Entered into force (27.09.2024)
Ä 10005866 / M15	26.09.2024	Order to remedy deficiencies - Amendment entry	26.10.2024	Deficiencies remedied (27.09.2024)

1 - 5 / 40 rows

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions

Document no.	Composition	Decision	Date
19-1/25-12568-001	Alar Urm	Against the consumer	15.12.2025

1 - 1 / 1 rows

Court decisions

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date
2-24-136446/27						23.01.2026
2-25-107660/16						05.01.2026
2-25-100641/10						18.12.2025
2-25-13403/4	Civil case	Court ruling (Non-declaration of bankruptcy due to lapse)	Bankruptcy law	Zakaria Nemsitsveridze	ECLI:EE:TMK:2025:2.25.13403.16063	16.10.2025
2-25-108492/10	Civil case	Court judgment (Default judgment)	Law of obligations	Helina Luksepp	ECLI:EE:HMK:2025:2.25.108492.17233	22.09.2025

1 - 5 / 250 rows

Official announcements

Subject	Date
Notice of auction of immovable property in enforcement proceedings	07.11.2025
Notice of auction of immovable property in enforcement proceedings	12.09.2025

1 - 2 / 2 rows

Public transactions

Date	Party	Amount	Classification
06.03.2026	Võru Vallavalitsus	236.00 € Received	OPERATING EXPENSES Basic and general secondary education
06.03.2026	Võru Vallavalitsus	415.00 € Received	OPERATING EXPENSES Other economy, incl. economic administration
06.03.2026	Võru Vallavalitsus	32.00 € Received	OPERATING EXPENSES Other education, incl. education administration
06.03.2026	Võru Vallavalitsus	47.00 € Received	OPERATING EXPENSES Folk culture
06.03.2026	Võru Vallavalitsus	142.00 € Received	OPERATING EXPENSES Other social protection, incl. administration

1 - 5 / 33 rows

.ee domains

Domain	Status	Registered	Expires	End
mõistusehääl.ee	Active	08.08.2025	09.08.2026	-
elamainsurance.ee	Active	18.06.2024	19.06.2027	-
elamakindlustus.ee	Active	13.06.2024	14.06.2027	-
elama.ee	Active	13.06.2024	14.06.2027	-
inges.ee	Active	04.07.2010	11.12.2026	-

1 - 5 / 5 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