Osaühing Optimal Kindlustusmaakler

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	15.01.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	10.02.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	16.01.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	16.01.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	14.01.2022	Valid	PDF
2020	01.01.2020 – 31.12.2020	19.02.2021	Valid	PDF
2019	01.01.2019 – 31.12.2019	28.02.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	11.03.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	22.03.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	05.04.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	20.04.2016	Valid	PDF
2014	01.01.2014 – 31.12.2014	29.04.2015	Valid	PDF
2013	01.01.2013 – 31.12.2013	16.04.2014	Valid	PDF
2012	01.01.2012 – 31.12.2012	06.03.2013	Valid	PDF
2011	01.01.2011 – 31.12.2011	24.04.2012	Valid	PDF
2010	01.01.2010 – 31.12.2010	26.04.2011	Valid	PDF
2009	01.01.2009 – 31.12.2009	12.05.2010	Valid	PDF
2008	01.01.2008 – 31.12.2008	30.12.2009	Valid	PDF
2008	01.01.2008 – 31.12.2008	11.06.2009	Expired	PDF
2007	01.01.2007 – 31.12.2007	11.06.2009	Valid	PDF
2006	01.01.2006 – 31.12.2006	18.12.2008	Valid	PDF
2005	01.01.2005 – 31.12.2005	29.06.2006	Valid	PDF
2004	01.01.2004 – 31.12.2004	29.06.2005	Valid	PDF
2003	01.01.2003 – 31.12.2003	01.06.2004	Valid	PDF
2002	01.01.2002 – 31.12.2002	28.07.2003	Valid	PDF
2001	16.01.2001 – 31.12.2001	02.07.2002	Valid	PDF

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No unsubmitted declarations as of 23.10.2026.

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Tax debt Reports Declarations Court decisions1 Official announcements–TTJA decisions–Real estate–.ee domains1 Licenses–Regulations18 Public transactions596 Grants–State aid–Public procurement–Holdings in companies–Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	23 866 €	26 241 €	315 €+200%	13
2026 Q2	25 209 €	27 581 €	105 €	14
2026 Q1	51 469 €	30 741 €	-	14
Total 2026:	100 544 €	84 563 €	420 €
2025 Q4	24 682 €	26 897 €	-	12
2025 Q3	23 523 €	25 970 €	-	12
2025 Q2	22 678 €	24 712 €	-	12
2025 Q1	56 210 €	28 764 €	-	12
Total 2025:	127 093 €	106 343 €	0 €
2024 Q4	21 498 €	23 036 €	-	12
2024 Q3	22 428 €	24 061 €	-	12
2024 Q2	20 840 €	22 357 €	-	12
2024 Q1	45 028 €	30 079 €	-	12
Total 2024:	109 794 €	99 533 €	0 €
2023 Q4	18 294 €	19 575 €	-	12
2023 Q3	19 690 €	21 077 €	-	12
2023 Q2	18 791 €	20 127 €	-	12
2023 Q1	39 754 €	28 231 €	-	12
Total 2023:	96 529 €	89 010 €	0 €
2022 Q4	17 790 €	19 065 €	-	12
2022 Q3	17 841 €	19 199 €	-	12
2022 Q2	21 682 €	17 769 €	-	12
2022 Q1	35 376 €	25 088 €	-	12
Total 2022:	92 689 €	81 121 €	0 €
2021 Q4	16 816,41 €	18 108,53 €	-	12
2021 Q3	15 177,32 €	16 458,41 €	-	12
2021 Q2	16 025,10 €	17 380,42 €	-	12
2021 Q1	30 387,04 €	21 999,46 €	-	12
Total 2021:	78 405,87 €	73 946,82 €	0 €
2020 Q4	14 920,16 €	16 175,26 €	-	12
2020 Q3	11 217,57 €	12 142,55 €	-	13
2020 Q2	12 775,64 €	13 851,83 €	-	11
2020 Q1	38 188 €	20 813 €	0 €	11
Total 2020:	77 101,37 €	62 982,64 €	0 €
2019 Q4	13 584 €	14 718 €	0 €	11
2019 Q3	13 876 €	15 035 €	0 €	11
2019 Q2	29 126 €	15 724 €	0 €	11
2019 Q1	15 563 €	16 853 €	0 €	13
Total 2019:	72 149 €	62 330 €	0 €
2018 Q4	16 988 €	18 394 €	0 €	13
2018 Q3	15 926 €	17 237 €	0 €	14
2018 Q2	32 500 €	17 861 €	0 €	13
2018 Q1	18 180 €	19 691 €	0 €	13
Total 2018:	83 594 €	73 183 €	0 €
2017 Q4	14 995 €	16 272 €	0 €	13
2017 Q3	16 873 €	18 290 €	0 €	13
2017 Q2	16 714 €	16 720 €	0 €	18
2017 Q1	16 593 €	16 801 €	0 €−100%	18
Total 2017:	65 175 €	68 083 €	0 €
2016 Q4	17 337 €	18 813 €	74 269 €+4,9%	12
2016 Q3	18 423 €	17 927 €	70 772 €+15,4%	12
2016 Q2	15 027 €	15 539 €	61 343 €+0,9%	12
2016 Q1	14 673 €	15 397 €	60 783 €+3,5%	12
Total 2016:	65 460 €	67 676 €	267 167 €
2015 Q4	12 498 €	13 556 €	58 742 €−10,8%	14
2015 Q3	14 008 €	15 190 €	65 827 €+7,2%	14
2015 Q2	13 065 €	14 173 €	61 416 €−8,0%	14
2015 Q1	14 153 €	15 401 €	66 739 €	14
Total 2015:	53 724 €	58 320 €	252 724 €

Revenue by industry

	2023	2024	2025
Activities of insurance brokers			457 763 €
Activities of insurance agents		465 116 €
Activities of insurance agents and brokers	432 446 €

Tax debts

No tax debt found

No tax debt as of 23.10.2026

Representatives

	Personal ID code
Margus Nurja	37305XXXXXX	12.05.1973 (53)	Board member	27.07.2016	-
Vardo Malm	38403XXXXXX	26.03.1984 (42)	Board member	27.07.2016	-

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Shareholders

	Personal ID code
Vardo Malm	38403XXXXXX	26.03.1984 (42)	Shareholder	938 EUR	33,50%	Sole ownership	01.09.2023	-
Tarmo Hillep	37503XXXXXX	26.03.1975 (51)	Shareholder	931 EUR	33,25%	Sole ownership	01.09.2023	-
Margus Nurja	37305XXXXXX	12.05.1973 (53)	Shareholder	931 EUR	33,25%	Sole ownership	01.09.2023	-

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Other persons

	Personal ID code
Raul Kinks	37406XXXXXX	13.06.1974 (52)	Founder	29.01.2001	-

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Ultimate beneficial owners

	Personal ID code
Margus Nurja	37305XXXXXX	12.05.1973 (53)	Direct holding	10.10.2018	-
Tarmo Hillep	37503XXXXXX	26.03.1975 (51)	Direct holding	10.10.2018	-
Vardo Malm	38403XXXXXX	26.03.1984 (42)	Direct holding	10.10.2018	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q3

Turnover

Amount: 315 €
Monthly average: 105 €
Per employee: 8 €
Equity ratio: 3,75%

Labour taxes

Turnover ratio: 8 330,48%
Tax ratio: 109,95%
Monthly average: 8 747 €
Per employee: 648 €

State taxes

Monthly average: 7 955 €
Turnover ratio: 7 576,51%

Estimated salary

Gross salary: 1 297 €
Net salary: 1 129 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	693 215 €+34,7%	514 540 €+5,3%	488 620 €+22,8%	398 009 €+6,5%	373 788 €+10,7%	337 713 €−7,4%	364 592 €
Non-current assets	27 746 €−23,6%	36 332 €−3,6%	37 690 €−2,0%	38 458 €−5,6%	40 729 €+351%	9 025 €+58,2%	5 705 €
Total assets	720 961 €+30,9%	550 872 €+4,7%	526 310 €+20,6%	436 467 €+5,3%	414 517 €+19,5%	346 738 €−6,4%	370 297 €
Short-term liabilities	576 757 €+33,9%	430 696 €+14,7%	375 451 €+16,5%	322 270 €+11,1%	289 979 €+20,3%	241 020 €+2,8%	234 452 €
Long-term liabilities	-	-	1 962 €−59,4%	4 835 €−38,4%	7 852 €	-	-
Total liabilities	576 757 €+33,9%	430 696 €+14,1%	377 413 €+15,4%	327 105 €+9,8%	297 831 €+23,6%	241 020 €+2,8%	234 452 €
Share or stock capital	-	-	-	-	-	-	-
Retained earnings	57 096 €+24 510%	232 €−99,1%	26 282 €+24,9%	21 041 €−50,7%	42 638 €−0,3%	42 765 €+78,5%	23 957 €
Net profit	84 028 €−28,1%	116 864 €−2,2%	119 535 €+40,2%	85 241 €+20,1%	70 968 €+18,5%	59 873 €−45,0%	108 808 €
Equity	144 204 €+20,0%	120 176 €−19,3%	148 897 €+36,2%	109 362 €−6,3%	116 686 €+10,4%	105 718 €−22,2%	135 845 €
Turnover	457 763 €−1,6%	465 116 €+7,6%	432 446 €+15,9%	372 973 €+13,6%	328 263 €+6,4%	308 498 €−11,7%	349 320 €
Profit margin	18,4%	25,1%	27,6%	22,9%	21,6%	19,4%	31,1%

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	108 405 €	84 791 €
Liquidity
Current ratio	1,2	1,3
Quick ratio	1,2	1,3
Cash ratio	0,7	0,8
Efficiency
Days sales outstanding (dso)	151,8	154,9
Asset turnover	0,9	0,9
Structure
Debt ratio	0,7	0,7
Profitability
Operating margin	27,6%	24,8%
Net profit margin	22,9%	21,6%
Return on assets (roa)	20,0%	18,6%
Return on equity (roe)	77,9%	60,8%

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 30048877 / 7	09.10.2024	Entry – Amendment entry	-	Entered into force09.10.2024
Ä 30048877 / 6	01.09.2023	Entry – Amendment entry	-	Entered into force01.09.2023
Ä 30048877 / 5	06.10.2021	Entry – Amendment entry	-	Entered into force06.10.2021
Ä 30048877 / M3	17.05.2021	Order to remedy deficiencies for correcting extra-entry data	01.06.2021	Deficiencies remedied25.05.2021
Ä 30048877 / 4	17.01.2018	Entry – Amendment entry	-	Entered into force17.01.2018

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


2-19-20651/41	Kohtu I astme menetlus	Court judgment	Law of obligations	Mai Grauberg	ECLI:EE:HMK:2023:2.19.20651.24645	19.12.2023	Open

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions


24.09.2026	Aktsiaselts Matsalu Veevärk	131,08 €Received	OPERATING EXPENSESWater supply
08.09.2026	Kuusalu Vallavalitsus	179,05 €Received	OPERATING EXPENSESBasic and general secondary education
04.09.2026	Eesti Maaülikool	116,88 €Received	OPERATING EXPENSESTertiary education
29.08.2026	Aktsiaselts Matsalu Veevärk	168,81 €Received	OPERATING EXPENSESWater supply
24.08.2026	Siseministeeriumi infotehnoloogia- ja arenduskeskus	2 362,08 €Received	OPERATING EXPENSESOther public order and safety, incl. administration

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid

No state aid found

The company has not been granted state aid or de minimis aid

Public procurement contracts

No public procurement contracts found

The company has no public procurement contracts

.ee domains


optimal.ee	Active	04.07.2010	22.10.2028

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.