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KindlustusEst Kindlustusmaakler OÜ

Legal form:

Private limited company

Registry code:

10703702

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

05.10.2000 (25)

Former business names:

Osaühing KINDLUSTUSEST

Capital:

24 950 EUR

Address:

Suur-Patarei tn 2, Põhja-Tallinna linnaosa, Tallinn, Harju maakond, 10415

Status:

Registered

Contacts

Email:

info@kindlustusest.ee

Phone:

+372 6865005

Website:

www.kindlustusest.ee

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Auxiliary activities of financial services and insurance
Auxiliary activities for insurance and pension funding
Activities of insurance agents and brokers
66221 - Activities of insurance agents

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	22.04.2026	Valid
2024	01.01.2024 - 31.12.2024	11.04.2025	Valid
2023	01.01.2023 - 31.12.2023	30.04.2024	Valid
2022	01.01.2022 - 31.12.2022	25.04.2023	Valid
2021	01.01.2021 - 31.12.2021	31.03.2022	Valid
2020	01.01.2020 - 31.12.2020	06.04.2021	Valid
2019	01.01.2019 - 31.12.2019	07.04.2020	Valid
2018	01.01.2018 - 31.12.2018	29.03.2019	Valid
2017	01.01.2017 - 31.12.2017	02.05.2018	Valid
2016	01.01.2016 - 31.12.2016	12.04.2017	Valid
2015	01.01.2015 - 31.12.2015	18.04.2016	Valid
2014	01.01.2014 - 31.12.2014	21.04.2015	Valid
2013	01.01.2013 - 31.12.2013	14.04.2014	Valid
2012	01.01.2012 - 31.12.2012	30.04.2013	Valid
2011	01.01.2011 - 31.12.2011	16.04.2012	Valid
2010	01.01.2010 - 31.12.2010	31.03.2011	Valid
2009	01.01.2009 - 31.12.2009	03.05.2010	Valid
2008	01.01.2008 - 31.12.2008	17.06.2009	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	02.06.2006	Valid
2004	01.01.2004 - 31.12.2004	30.06.2005	Valid
2003	01.01.2003 - 31.12.2003	30.06.2004	Valid
2002	01.01.2002 - 31.12.2002	19.06.2003	Valid
2001	01.01.2001 - 31.12.2001	02.07.2002	Valid
2000	01.01.2000 - 31.12.2000	01.06.2001	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 07.06.2026.

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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	Taxable turnover	Employees
2026 Q1	62 323 €	66 517 €	0 €	46
Kokku 2026:	62 323 €	66 517 €	0 €
2025 Q4	66 229 €	70 110 €	0 €	49
2025 Q3	74 814 €	78 636 €	0 €	50
2025 Q2	81 095 €	85 512 €	0 €	52
2025 Q1	75 345 €	79 212 €	0 €	61
Kokku 2025:	297 483 €	313 470 €	0 €
2024 Q4	82 704 €	85 493 €	0 €	63
2024 Q3	77 067 €	81 322 €	0 €	63
2024 Q2	91 705 €	97 022 €	0 €	62
2024 Q1	117 174 €	123 692 €	0 €	64
Kokku 2024:	368 650 €	387 529 €	0 €
2023 Q4	120 286 €	127 445 €	0 €	73
2023 Q3	117 452 €	124 203 €	0 €	74
2023 Q2	114 096 €	120 520 €	0 €	73
2023 Q1	108 790 €	114 625 €	0 €	71
Kokku 2023:	460 623 €	486 792 €	0 €
2022 Q4	97 899 €	103 995 €	0 €	72
2022 Q3	97 432 €	103 830 €	0 €	73
2022 Q2	95 835 €	102 293 €	0 €	72
2022 Q1	93 505 €	98 981 €	0 €	72
Kokku 2022:	384 671 €	409 098 €	0 €
2021 Q4	91 129 €	97 011 €	0 €	70
2021 Q3	92 388 €	98 930 €	0 €	70
2021 Q2	100 203 €	107 067 €	0 €	68
2021 Q1	100 329 €	107 283 €	0 €	73
Kokku 2021:	384 049 €	410 291 €	0 €
2020 Q4	102 793 €	110 448 €	0 €	78
2020 Q3	103 246 €	111 223 €	0 €	80
2020 Q2	110 381 €	118 770 €	0 €	81
2020 Q1	101 732 €	108 947 €	0 €	90
Kokku 2020:	418 152 €	449 389 €	0 €
2019 Q4	101 259 €	109 081 €	0 €	90
2019 Q3	102 430 €	110 227 €	0 €	92
2019 Q2	99 373 €	106 942 €	0 €	87
2019 Q1	94 210 €	101 439 €	0 €	87
Kokku 2019:	397 272 €	427 689 €	0 €
2018 Q4	97 928 €	105 748 €	0 €	85
2018 Q3	101 961 €	110 010 €	0 €	85
2018 Q2	103 504 €	111 372 €	0 €	89
2018 Q1	94 194 €	101 609 €	0 €	88
Kokku 2018:	397 587 €	428 739 €	0 €
2017 Q4	92 916 €	100 478 €	0 €	88
2017 Q3	102 951 €	93 235 €	0 €	89
2017 Q2	107 857 €	91 545 €	0 €	81
2017 Q1	85 105 €	92 042 €	0 €100.0%	76
Kokku 2017:	388 829 €	377 300 €	0 €100.0%
2016 Q4	85 583 €	92 347 €	358 562 €4.9%	38
2016 Q3	89 560 €	97 098 €	377 009 €10.0%	38
2016 Q2	108 990 €	88 308 €	342 881 €1.5%	38
2016 Q1	80 536 €	87 002 €	337 811 €3.5%	38
Kokku 2016:	364 669 €	364 755 €	1 416 263 €4.7%
2015 Q4	79 808 €	86 325 €	349 927 €5.6%	36
2015 Q3	84 415 €	91 489 €	370 863 €16.3%	36
2015 Q2	128 756 €	78 679 €	318 934 €1.8%	36
2015 Q1	71 222 €	77 252 €	313 149 €	36
Kokku 2015:	364 201 €	333 745 €	1 352 873 €

Revenue by industry

	2023	2024	2025
Activities of insurance agents and brokers	1 774 710 €	1 191 253 €	1 022 876 €

Tax debts

No tax debt found

No tax debt as of 07.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Merit Ots	48109XXXXXX	22.09.1981 (44)	Board member	03.07.2006	-

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

1 - 1 / 1 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
OÜ Merre	-	07.11.2012 (13)	Shareholder	24 950,00 EUR	100	Sole ownership	16.08.2023	-

46 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
Audit & Consult OÜ	-	-	Audit firm	14.03.2017	-
Maldon Ots	35805XXXXXX	26.05.1958 (68)	Founder	05.10.2000	-

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

1 - 2 / 2 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Merit Ots	48109XXXXXX	22.09.1981 (44)	Indirect holding	08.09.2018	-

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

1 - 1 / 1 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

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

2026 Q1

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

106,73%

Monthly average

22 172 €

Per employee

467 €

State taxes

Monthly average

20 774 €

Turnover ratio

0,00%

Estimated salary

Gross salary

1 028 €

Net salary

909 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	508 038 €22.9%	659 150 €34.2%	1 001 698 €0.8%	1 009 504 €26.9%	795 628 €7.1%	856 108 €22.9%	1 110 895 €
Non-current assets	1 013 486 €66.1%	610 207 €18.1%	745 111 €61.4%	461 622 €3.9%	480 274 €4.1%	500 861 €4.2%	522 628 €
Total assets	1 521 524 €19.9%	1 269 357 €27.3%	1 746 809 €18.7%	1 471 126 €15.3%	1 275 902 €6.0%	1 356 969 €16.9%	1 633 523 €
Short-term liabilities	438 491 €14.8%	514 576 €52.6%	1 085 396 €16.5%	931 687 €18.6%	785 894 €3.9%	818 031 €19.0%	1 010 407 €
Long-term liabilities	175 000 €4.2%	-	-	182 659 €22.5%	235 592 €33.2%	352 465 €24.8%	468 500 €
Total liabilities	613 491 €19.2%	514 576 €52.6%	1 085 396 €2.6%	1 114 346 €9.1%	1 021 486 €12.7%	1 170 496 €20.9%	1 478 907 €
Share or stock capital	24 950 €	24 950 €	24 950 €	24 950 €	24 950 €	24 950 €	24 950 €
Retained earnings	729 831 €231.2%	220 388 €33.6%	331 830 €44.6%	229 466 €42.1%	161 523 €24.6%	129 666 €1 803.5%	6 812 €
Net profit	153 252 €69.9%	509 443 €67.2%	304 633 €197.6%	102 364 €50.7%	67 943 €113.3%	31 857 €74.1%	122 854 €
Equity	908 033 €20.3%	754 781 €14.1%	661 413 €85.4%	356 780 €40.2%	254 416 €36.4%	186 473 €20.6%	154 616 €
Turnover	1 022 876 €14.1%	1 191 253 €32.9%	1 774 710 €10.9%	1 599 679 €9.2%	1 464 567 €4.5%	1 533 401 €10.2%	1 706 938 €
Profit margin	14.98%65.0%	42.77%149.1%	17.17%168.2%	6.40%37.9%	4.64%123.3%	2.08%71.1%	7.20%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	ECC MWC	JSM BUZ	NPG KWY	103 738	59 242
Liquidity
Current ratio	T.S	Q.X	D.J	1.0	1.0
Quick ratio	O.E	C.W	L.U	1.0	1.0
Cash ratio	K.Y	T.Q	K.Q	0.7	0.7
Efficiency
Days sales outstanding (dso)	GLX.X	LZ.N	QH.M	69.6	82.4
Asset turnover	H.P	L.G	F.B	1.1	1.0
Structure
Debt ratio	K.E	A.Q	H.I	0.8	0.9
Profitability
Operating margin	FD.K%	XR.T%	E.U%	5.6%	2.4%
Net profit margin	ZR.G%	GI.U%	F.P%	4.6%	2.1%
Return on assets (roa)	CR.E%	NM.H%	I.W%	5.2%	2.1%
Return on equity (roe)	SC.B%	XB.G%	UO.S%	26.7%	17.1%

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Licences & notices

Type	Number	Field	Status	Start	End
License	NLL21/5057	Number licences > Number licences	Valid	28.09.2021	27.09.2023

1 - 1 / 1 rows

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 10051492 / M11	03.05.2024	Order refunding the fee (NAP)		Entered into force (03.05.2024)
Ä 10051492 / 26	30.04.2024	Entry - Division entry of transferring entity (second, constitutive entry)		Entered into force (30.04.2024)
Ä 10051492 / M10	26.04.2024	Order refunding the fee		Entered into force (26.04.2024)
Ä 10051492 / M9	01.09.2023	Order to remedy deficiencies - Amendment entry	16.09.2023	Deficiencies remedied (01.09.2023)
Ä 10051492 / 25	01.09.2023	Entry - Amendment entry		Entered into force (01.09.2023)

1 - 5 / 35 rows

Real estate

No real estate found

Company has no real estate

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

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
2-23-14815/37	Civil case	Court ruling (Compromise ruling)	Law of obligations	Marget Henriksen	ECLI:EE:HMK:2025:2.23.14815.163	15.01.2025
2-22-13387/6	Civil case	Court ruling (Bankruptcy ruling)	Bankruptcy law	Hiie Lindmets	ECLI:EE:TMK:2022:2.22.13387.19674	18.10.2022
2-15-5064/193	Civil case	Court ruling	Reorganisation	Mati Maksing, Gaida Kivinurm, Ele Liiv	ECLI:EE:TLRK:2017:2.15.5064.13469	24.04.2017
2-09-54133/24	Civil case	Court ruling	Law of obligations	Zakaria Nemsitsveridze	ECLI:EE:TMK:2010:2.09.54133.38337	22.10.2010

1 - 4 / 4 rows

Official announcements

Subject	Date
Notice of division of a company	02.05.2024
Notice of company merger	15.05.2018
Notice of company merger	09.10.2017

1 - 3 / 3 rows

Public transactions

Date	Party	Amount	Classification
27.04.2026	sihtasutus Tartu Ülikooli Kliinikum	115.32 € Received	OPERATING EXPENSES General hospital services
15.04.2026	sihtasutus Tartu Ülikooli Kliinikum	180.19 € Received	OPERATING EXPENSES General hospital services
10.04.2026	Tartu Linnahooldus	32.40 € Received	OPERATING EXPENSES Other housing and municipal-services activities
07.04.2026	Viljandi Kutseõppekeskus	212.13 € Received	OPERATING EXPENSES Vocational education
30.03.2026	Tartu Linnahooldus	524.40 € Received	OPERATING EXPENSES Other housing and municipal-services activities

1 - 5 / 1263 rows

.ee domains

Domain	Status	Registered	Expires	End
elukindlustuse-kalkulaator.ee	Active	03.06.2026	04.06.2027	-
cyberinsurance.ee	Active	16.05.2026	17.05.2027	-
aikindlustus.ee	Active	14.05.2026	15.05.2027	-
12555.ee	Active	21.04.2023	22.04.2027	-
liikluskindlustus-kalkulaator.ee	Active	24.05.2022	25.05.2027	-

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

1 - 5 / 12 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