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Maaelu Edendamise Hoiu-laenuühistu

Legal form:

Commercial association

Registry code:

10575428

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

10.09.1999 (26)

Capital:

200 000 EUR

Address:

Jaani tn 2, Järva-Jaani alev, Järva vald, Järva maakond, 73301

Status:

Registered

Contacts

Email:

kylli@kreedo.ee

Phone:

+372 5046823

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Provision of financial services, except insurance and pension funds
Monetary intermediation
Other monetary intermediation
64191 - Credit institutions

VAT liability

No VAT obligation history found

Company has not been issued any VAT ID number

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	27.07.2026	Valid
2024	01.01.2024 - 31.12.2024	04.08.2025	Valid
2023	01.01.2023 - 31.12.2023	29.07.2024	Valid
2022	01.01.2022 - 31.12.2022	26.06.2023	Valid
2021	01.01.2021 - 31.12.2021	29.06.2022	Valid
2020	01.01.2020 - 31.12.2020	30.06.2021	Valid
2019	01.01.2019 - 31.12.2019	07.07.2020	Valid
2018	01.01.2018 - 31.12.2018	17.06.2019	Valid
2017	01.01.2017 - 31.12.2017	28.06.2018	Valid
2016	01.01.2016 - 31.12.2016	28.06.2017	Valid
2015	01.01.2015 - 31.12.2015	14.06.2016	Valid
2014	01.01.2014 - 31.12.2014	29.06.2015	Valid
2013	01.01.2013 - 31.12.2013	04.03.2014	Valid
2012	01.01.2012 - 31.12.2012	16.04.2013	Valid
2011	01.01.2011 - 31.12.2011	18.04.2012	Valid
2010	01.01.2010 - 31.12.2010	06.04.2011	Valid
2009	01.01.2009 - 31.12.2009	15.06.2010	Valid
2008	01.01.2008 - 31.12.2008	01.07.2009	Valid
2007	01.01.2007 - 31.12.2007	30.06.2008	Valid
2006	01.01.2006 - 31.12.2006	29.06.2007	Valid
2005	01.01.2005 - 31.12.2005	30.06.2006	Valid
2004	01.01.2004 - 31.12.2004	05.07.2005	Valid
2003	01.01.2003 - 31.12.2003	22.12.2004	Valid
2002	01.01.2002 - 31.12.2002	26.06.2003	Valid
2001	01.01.2001 - 31.12.2001	01.07.2002	Valid
2000	01.01.2000 - 31.12.2000	29.06.2001	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 08.09.2026.

???

Credit rating

Hidden

Credit rating is based on company financial data and payment behavior. detailed analysis available to regia+ users.

020406080100

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Tax data

	State taxes	Labour taxes	Employees
2026 Q2	7 585 €	7 874 €	2
2026 Q1	11 649 €	11 923 €	3
Kokku 2026:	19 234 €	19 797 €
2025 Q4	6 004 €	6 259 €	3
2025 Q3	9 421 €	9 743 €	3
2025 Q2	7 317 €	7 584 €	3
2025 Q1	8 773 €	9 069 €	3
Kokku 2025:	31 515 €	32 655 €
2024 Q4	8 697 €	9 024 €	3
2024 Q3	10 009 €	10 437 €	3
2024 Q2	8 171 €	8 471 €	4
2024 Q1	13 662 €	14 107 €	4
Kokku 2024:	40 539 €	42 039 €
2023 Q4	9 559 €	9 948 €	4
2023 Q3	9 742 €	10 103 €	4
2023 Q2	8 476 €	8 795 €	5
2023 Q1	7 119 €	7 417 €	5
Kokku 2023:	34 896 €	36 264 €
2022 Q4	8 979 €	9 253 €	4
2022 Q3	9 539 €	9 862 €	4
2022 Q2	7 532 €	7 892 €	4
2022 Q1	12 692 €	13 138 €	5
Kokku 2022:	38 741 €	40 145 €
2021 Q4	7 774 €	8 085 €	4
2021 Q3	9 573 €	9 899 €	4
2021 Q2	10 589 €	10 873 €	4
2021 Q1	8 286 €	8 577 €	4
Kokku 2021:	36 223 €	37 434 €
2020 Q4	9 647 €	9 948 €	4
2020 Q3	8 354 €	8 684 €	4
2020 Q2	7 680 €	7 982 €	4
2020 Q1	8 813 €	9 190 €	4
Kokku 2020:	34 493 €	35 804 €
2019 Q4	7 689 €	8 026 €	4
2019 Q3	7 135 €	7 448 €	4
2019 Q2	10 133 €	10 410 €	4
2019 Q1	7 067 €	7 393 €	5
Kokku 2019:	32 024 €	33 277 €
2018 Q4	6 899 €	7 128 €	5
2018 Q3	6 744 €	6 999 €	5
2018 Q2	5 124 €	5 351 €	5
2018 Q1	5 462 €	5 704 €	5
Kokku 2018:	24 229 €	25 182 €
2017 Q4	5 385 €	5 639 €	5
2017 Q3	7 631 €	7 905 €	5
2017 Q2	5 280 €	5 552 €	5
2017 Q1	4 771 €	5 028 €	6
Kokku 2017:	23 067 €	24 124 €
2016 Q4	4 317 €	4 557 €	1
2016 Q3	7 216 €	7 524 €	1
2016 Q2	4 781 €	5 078 €	1
2016 Q1	3 756 €	4 041 €	1
Kokku 2016:	20 070 €	21 200 €
2015 Q4	3 554 €	3 836 €	1
2015 Q3	6 450 €	6 759 €	1
2015 Q2	4 367 €	4 659 €	1
2015 Q1	3 887 €	4 150 €	1
Kokku 2015:	18 258 €	19 404 €

Revenue by industry

	2024	2025
Credit institutions	12 011 €	18 131 €

Tax debts

No tax debt found

No tax debt as of 08.09.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Lasse Lehis	37208XXXXXX	15.08.1972 (54)	Board member	02.10.2024	-
Maria Peldes	45108XXXXXX	30.08.1951 (75)	Board member	23.02.2024	-

9 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
Jelena Mäting	47709XXXXXX	25.09.1977 (48)	Audit firm	03.09.2024	-
Guido Ploompuu	35501XXXXXX	21.01.1955 (71)	Chairman of the supervisory board	29.07.2024	-
Andrus Ristkok	34910XXXXXX	16.10.1949 (76)	Supervisory-board member	29.07.2024	-
Ermo Sepp	35904XXXXXX	11.04.1959 (67)	Supervisory-board member	29.07.2024	-
Aldo Tamm	35309XXXXXX	24.09.1953 (72)	Founder	10.09.1999	-

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

1 - 5 / 8 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Maria Peldes	45108XXXXXX	30.08.1951 (75)	Direct holding	19.10.2018	-

1 - 1 / 1 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
Baltic Shared Services AS	06.05.2011	Shareholder	70 000,00 EUR	25,36	Sole ownership	26.06.2025	-

1 - 1 / 1 rows

2026 Q2

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

103,81%

Monthly average

2 625 €

Per employee

1 050 €

State taxes

Monthly average

2 528 €

Turnover ratio

0,00%

Estimated salary

Gross salary

2 010 €

Net salary

1 639 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	1 606 691 €16.0%	1 385 480 €31.8%	1 051 235 €19.5%	1 305 867 €24.0%	1 717 995 €0.6%	1 728 482 €49.3%	1 158 020 €
Non-current assets	1 187 940 €22.1%	1 525 929 €21.1%	1 933 062 €2.3%	1 890 342 €15.7%	1 633 468 €0.6%	1 624 234 €21.7%	2 074 958 €
Total assets	2 794 631 €4.0%	2 911 409 €2.4%	2 984 297 €6.6%	3 196 209 €4.6%	3 351 463 €0.0%	3 352 716 €3.7%	3 232 978 €
Short-term liabilities	2 009 673 €5.0%	2 116 286 €2.4%	2 167 619 €8.8%	2 376 760 €0.3%	2 383 010 €4.2%	2 486 586 €9.4%	2 273 808 €
Long-term liabilities	337 818 €4.2%	352 480 €4.5%	369 039 €9.3%	406 658 €22.7%	526 140 €26.7%	415 231 €18.5%	509 701 €
Total liabilities	2 347 491 €4.9%	2 468 766 €2.7%	2 536 658 €8.9%	2 783 418 €4.3%	2 909 150 €0.3%	2 901 817 €4.3%	2 783 509 €
Share or stock capital	200 000 €	200 000 €	200 000 €	200 000 €	200 000 €	200 000 €	200 000 €
Retained earnings	219 787 €8.9%	241 181 €5.2%	229 289 €5.1%	241 657 €3.0%	234 583 €6.3%	250 358 €2.2%	245 013 €
Net profit	27 353 €1 770.9%	1 462 €92.0%	18 350 €163.6%	-28 866 €473.4%	7 730 €1 328.8%	541 €87.9%	4 456 €
Equity	447 140 €1.0%	442 643 €1.1%	447 639 €8.4%	412 791 €6.7%	442 313 €1.9%	450 899 €0.3%	449 469 €
Turnover	-	-	-	-	-	-	-
Profit margin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financial ratios

	2025	2024	2023	2022	2021
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	U.M	N.S	H.G	0.5	0.7
Quick ratio	Z.I	S.G	X.V	0.5	0.7
Cash ratio	E.T	D.Z	O.F	0.3	0.5
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	R.P	Q.H	T.K	0.9	0.9
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	O.E%	S.Z%	E.X%	0.0%	0.0%
Return on equity (roe)	D.K%	P.Z%	X.U%	0.0%	0.0%

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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 30027381 / M10	11.07.2026	Fine-warning order – annual report not filed	10.08.2026	Deficiencies remedied (28.07.2026)
Ä 30027381 / M9	12.07.2025	Fine-warning order – annual report not filed	11.08.2025	Deficiencies remedied (05.08.2025)
Ä 30027381 / 21	02.10.2024	Entry - Amendment entry		Entered into force (02.10.2024)
Ä 30027381 / M8	30.09.2024	Order to remedy deficiencies - Amendment entry	16.10.2024	Deficiencies remedied (02.10.2024)
Ä 30027381 / M7	16.09.2024	Order to remedy deficiencies for correcting extra-entry data	25.09.2024	Deficiencies remedied (23.09.2024)

1 - 5 / 38 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
2-21-4260/51	Civil case	Court ruling	Bankruptcy law	Eve Grass	ECLI:EE:PMK:2025:2.21.4260.16227	17.10.2025
2-18-17727/60	Civil case	Court ruling	Bankruptcy law	Zakaria Nemsitsveridze	ECLI:EE:TMK:2023:2.18.17727.18211	11.10.2023
2-17-7561/48	Civil case	Court ruling	Bankruptcy law	Ingrid Niinemägi	ECLI:EE:PMK:2023:2.17.7561.9864	17.04.2023
2-18-19209/58	Civil case	Court judgment	Law of obligations	Margo Klaar, Imbi Sidok-Toomsalu, Mati Maksing	ECLI:EE:TLRK:2020:2.18.19209.27293	30.09.2020
2-18-17727/44	Civil case	Court ruling	Bankruptcy law	Zakaria Nemsitsveridze	ECLI:EE:TMK:2020:2.18.17727.2323	05.02.2020

1 - 5 / 9 rows

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

No public transactions found

Company has no public transactions

.ee domains

Domain	Status	Registered	Expires	End
hoiulaenu.ee	Active	23.11.2016	24.11.2026	-

1 - 1 / 1 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