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Osaühing Optimal Kindlustusmaakler

Legal form:

Private limited company

Registry code:

10724710

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

29.01.2001 (25)

Former business names:

BBS ÄRITEENUSED OÜ

Capital:

2 800 EUR

Address:

Laki põik 4, Mustamäe linnaosa, Tallinn, Harju maakond, 12919

Status:

Registered

Contacts

Email:

kindlustus@optimal.ee

Phone:

+372 56666078

Phone:

+372 6562828

Website:

https://optimal.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
66222 - Activities of insurance brokers

VAT liability

	Start	End
EE100671782	01.01.2010	24.09.2019
EE100671782	01.03.2001	12.09.2005

Annual reports

Aggregate data

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

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 06.06.2026.

???

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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566

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	51 469 €	30 741 €	0 €	14
Kokku 2026:	51 469 €	30 741 €	0 €
2025 Q4	24 343 €	26 897 €	0 €	12
2025 Q3	23 523 €	25 970 €	0 €	12
2025 Q2	22 340 €	24 712 €	0 €	12
2025 Q1	56 210 €	28 764 €	0 €	12
Kokku 2025:	126 416 €	106 343 €	0 €
2024 Q4	21 498 €	23 036 €	0 €	12
2024 Q3	22 428 €	24 061 €	0 €	12
2024 Q2	20 840 €	22 357 €	0 €	12
2024 Q1	45 028 €	30 079 €	0 €	12
Kokku 2024:	109 794 €	99 533 €	0 €
2023 Q4	18 294 €	19 575 €	0 €	12
2023 Q3	19 690 €	21 077 €	0 €	12
2023 Q2	18 791 €	20 127 €	0 €	12
2023 Q1	39 754 €	28 231 €	0 €	12
Kokku 2023:	96 530 €	89 011 €	0 €
2022 Q4	17 790 €	19 065 €	0 €	12
2022 Q3	17 841 €	19 199 €	0 €	12
2022 Q2	21 682 €	17 769 €	0 €	12
2022 Q1	35 376 €	25 088 €	0 €	12
Kokku 2022:	92 689 €	81 120 €	0 €
2021 Q4	16 816 €	18 109 €	0 €	12
2021 Q3	15 177 €	16 458 €	0 €	12
2021 Q2	16 025 €	17 380 €	0 €	12
2021 Q1	30 387 €	21 999 €	0 €	12
Kokku 2021:	78 406 €	73 947 €	0 €
2020 Q4	14 920 €	16 175 €	0 €	12
2020 Q3	11 218 €	12 143 €	0 €	13
2020 Q2	12 776 €	13 852 €	0 €	11
2020 Q1	38 188 €	20 813 €	0 €	11
Kokku 2020:	77 101 €	62 983 €	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
Kokku 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
Kokku 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 €100.0%	18
Kokku 2017:	65 175 €	68 083 €	0 €100.0%
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
Kokku 2016:	65 460 €	67 676 €	267 167 €5.7%
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
Kokku 2015:	53 724 €	58 320 €	252 724 €

Revenue by industry

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

Tax debts

No tax debt found

No tax debt as of 06.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Margus Nurja	37305XXXXXX	12.05.1973 (53)	Board member	27.07.2016	-
Vardo Malm	38403XXXXXX	26.03.1984 (42)	Board member	27.07.2016	-

5 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
Tarmo Hillep	37503XXXXXX	26.03.1975 (51)	Shareholder	931,00 EUR	33,25	Sole ownership	01.09.2023	-
Vardo Malm	38403XXXXXX	26.03.1984 (42)	Shareholder	938,00 EUR	33,5	Sole ownership	01.09.2023	-
Margus Nurja	37305XXXXXX	12.05.1973 (53)	Shareholder	931,00 EUR	33,25	Sole ownership	01.09.2023	-

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

1 - 3 / 3 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Raul Kinks	37406XXXXXX	13.06.1974 (51)	Founder	29.01.2001	-

1 - 1 / 1 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
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	-

1 - 3 / 3 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q1

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

59,73%

Monthly average

10 247 €

Per employee

788 €

State taxes

Monthly average

17 156 €

Turnover ratio

0,00%

Estimated salary

Gross salary

1 569 €

Net salary

1 311 €

Aggregate data

	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 €351.3%	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	2 800 €	2 800 €	2 800 €	2 800 €	2 800 €	2 800 €	2 800 €
Retained earnings	57 376 €11 106.3%	512 €98.1%	26 562 €24.6%	21 321 €50.3%	42 918 €0.3%	43 045 €77.6%	24 237 €
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	18.36%26.9%	25.13%9.1%	27.64%20.9%	22.85%5.7%	21.62%11.4%	19.41%37.7%	31.15%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	GZF PPE	PRT XUE	ATW CEE	84 791	83 767
Liquidity
Current ratio	D.U	M.K	M.V	1.3	1.4
Quick ratio	Q.Z	L.S	T.L	1.3	1.4
Cash ratio	C.I	O.W	O.I	0.8	0.9
Efficiency
Days sales outstanding (dso)	INI.F	GTF.L	CTF.K	154.9	159.7
Asset turnover	T.A	G.X	J.E	0.9	0.9
Structure
Debt ratio	I.U	F.R	X.Z	0.7	0.7
Profitability
Operating margin	RT.Y%	EG.H%	GO.Z%	24.8%	25.5%
Net profit margin	JP.S%	LQ.B%	QG.O%	21.6%	19.4%
Return on assets (roa)	IF.Y%	IQ.Z%	NB.U%	18.6%	16.7%
Return on equity (roe)	CT.I%	RV.I%	PH.Y%	60.8%	56.6%

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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 30048877 / 7	09.10.2024	Entry - Amendment entry		Entered into force (09.10.2024)
Ä 30048877 / 6	01.09.2023	Entry - Amendment entry		Entered into force (01.09.2023)
Ä 30048877 / 5	06.10.2021	Entry - Amendment entry		Entered into force (06.10.2021)
Ä 30048877 / M3	17.05.2021	Order to remedy deficiencies for correcting extra-entry data	01.06.2021	Deficiencies remedied (25.05.2021)
Ä 30048877 / 4	17.01.2018	Entry - Amendment entry		Entered into force (17.01.2018)

1 - 5 / 18 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	Participants
2-19-20651/41	Civil case	Court judgment	Law of obligations	Mai Grauberg	ECLI:EE:HMK:2023:2.19.20651.24645	19.12.2023

1 - 1 / 1 rows

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

Date	Party	Amount	Classification
22.04.2026	Aktsiaselts Matsalu Veevärk	153.56 € Received	OPERATING EXPENSES Water supply
13.04.2026	Tartu Sport	36.72 € Received	OPERATING EXPENSES Sport
10.04.2026	Aktsiaselts Matsalu Veevärk	57.17 € Received	OPERATING EXPENSES Water supply
20.03.2026	Aktsiaselts Matsalu Veevärk	292.60 € Received	OPERATING EXPENSES Water supply
18.03.2026	Siseministeeriumi infotehnoloogia- ja arenduskeskus	1 939.80 € Received	OPERATING EXPENSES Other public order and safety, incl. administration

1 - 5 / 566 rows

.ee domains

Domain	Status	Registered	Expires	End
optimal.ee	Active	04.07.2010	22.10.2028	-

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