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Lõuna Kindlustusmaakler OÜ

Legal form:

Private limited company

Registry code:

10763199

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

02.05.2001 (25)

Former business names:

E.W.R. Kindlustusmaakler OÜ, Osaühing ROOT Eesti

Capital:

39 568 EUR

Address:

Jakobi tn 34, Tartu linn, Tartu linn, Tartu maakond, 51005

Status:

Registered

Contacts

Email:

info@yhistupank.ee

Phone:

+372 7407132

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

	Start	End
EE101027432	27.02.2006	31.12.2021
EE101027432	30.11.2005	25.02.2006

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	13.05.2026	Valid
2025	01.01.2025 - 31.12.2025	12.05.2026	Expired
2024	01.01.2024 - 31.12.2024	17.03.2025	Valid
2023	01.01.2023 - 31.12.2023	30.04.2024	Valid
2022	01.01.2022 - 31.12.2022	01.06.2023	Valid
2021	01.01.2021 - 31.12.2021	21.06.2022	Valid
2020	01.01.2020 - 31.12.2020	21.06.2021	Valid
2019	01.01.2019 - 31.12.2019	29.10.2020	Valid
2018	01.01.2018 - 31.12.2018	02.07.2019	Valid
2017	01.01.2017 - 31.12.2017	29.06.2018	Valid
2016	01.01.2016 - 31.12.2016	29.06.2017	Valid
2015	01.01.2015 - 31.12.2015	30.06.2016	Valid
2014	01.01.2014 - 31.12.2014	07.04.2015	Valid
2013	01.01.2013 - 31.12.2013	11.02.2014	Valid
2012	01.01.2012 - 31.12.2012	10.03.2013	Valid
2011	01.01.2011 - 31.12.2011	29.08.2012	Valid
2011	01.01.2011 - 31.12.2011	30.03.2012	Expired
2010	01.01.2010 - 31.12.2010	27.05.2011	Valid
2009	01.01.2009 - 31.12.2009	28.06.2010	Valid
2008	01.01.2008 - 31.12.2008	10.06.2009	Valid
2007	01.01.2007 - 31.12.2007	30.01.2008	Valid
2006	01.01.2006 - 31.12.2006	13.11.2007	Valid
2005	01.01.2005 - 31.12.2005	28.06.2006	Valid
2004	01.01.2004 - 31.12.2004	28.06.2005	Valid
2003	01.01.2003 - 31.12.2003	29.06.2004	Valid
2002	01.01.2002 - 31.12.2002	30.06.2003	Valid
2001	02.05.2001 - 31.12.2001	26.09.2002	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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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	2 799 €	2 911 €	0 €	7
Kokku 2026:	2 799 €	2 911 €	0 €
2025 Q4	2 448 €	2 545 €	0 €	8
2025 Q3	2 675 €	2 790 €	0 €	8
2025 Q2	3 536 €	3 675 €	0 €	8
2025 Q1	2 319 €	2 415 €	0 €	8
Kokku 2025:	10 978 €	11 425 €	0 €
2024 Q4	2 399 €	2 493 €	0 €	8
2024 Q3	2 267 €	2 368 €	0 €	8
2024 Q2	2 308 €	2 398 €	0 €	8
2024 Q1	2 817 €	2 936 €	0 €	8
Kokku 2024:	9 791 €	10 195 €	0 €
2023 Q4	2 589 €	2 691 €	0 €	8
2023 Q3	2 344 €	2 442 €	0 €	8
2023 Q2	2 675 €	2 778 €	0 €	8
2023 Q1	2 936 €	3 059 €	0 €	8
Kokku 2023:	10 544 €	10 970 €	0 €
2022 Q4	1 852 €	1 930 €	0 €	8
2022 Q3	1 898 €	1 978 €	0 €	8
2022 Q2	4 239 €	4 430 €	0 €	8
2022 Q1	1 962 €	2 090 €	0 €	8
Kokku 2022:	9 952 €	10 427 €	0 €
2021 Q4	1 762 €	1 872 €	0 €	8
2021 Q3	1 412 €	1 528 €	0 €	8
2021 Q2	1 978 €	2 110 €	0 €	8
2021 Q1	1 933 €	2 079 €	0 €	8
Kokku 2021:	7 085 €	7 589 €	0 €
2020 Q4	1 438 €	1 548 €	0 €	8
2020 Q3	1 442 €	1 549 €	0 €	8
2020 Q2	1 679 €	1 810 €	0 €	8
2020 Q1	2 321 €	2 493 €	0 €	8
Kokku 2020:	6 881 €	7 400 €	0 €
2019 Q4	1 725 €	1 866 €	0 €	8
2019 Q3	1 830 €	1 974 €	0 €	8
2019 Q2	2 096 €	2 260 €	0 €	8
2019 Q1	2 938 €	3 158 €	0 €	8
Kokku 2019:	8 589 €	9 258 €	0 €
2018 Q4	1 844 €	1 996 €	0 €	8
2018 Q3	1 963 €	2 126 €	0 €	8
2018 Q2	2 626 €	2 820 €	0 €	10
2018 Q1	3 024 €	3 242 €	0 €	10
Kokku 2018:	9 457 €	10 184 €	0 €
2017 Q4	2 672 €	2 865 €	0 €	10
2017 Q3	2 586 €	2 771 €	0 €	9
2017 Q2	2 701 €	2 907 €	0 €	9
2017 Q1	2 702 €	2 903 €	0 €100.0%	9
Kokku 2017:	10 661 €	11 446 €	0 €100.0%
2016 Q4	1 735 €	1 880 €	17 380 €28.3%	3
2016 Q3	1 362 €	1 465 €	13 545 €32.0%	3
2016 Q2	1 998 €	2 155 €	19 923 €3.1%	3
2016 Q1	1 930 €	2 090 €	19 321 €16.8%	3
Kokku 2016:	7 025 €	7 590 €	70 169 €14.5%
2015 Q4	1 435 €	1 546 €	16 548 €8.6%	3
2015 Q3	1 562 €	1 692 €	18 106 €21.9%	3
2015 Q2	2 007 €	2 165 €	23 173 €4.4%	3
2015 Q1	2 085 €	2 264 €	24 234 €	3
Kokku 2015:	7 089 €	7 667 €	82 061 €

Revenue by industry

	2022	2023	2024
Activities of insurance agents and brokers	66 715 €	117 883 €	101 792 €

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
Märt Riiner	38502XXXXXX	25.02.1985 (41)	Board member	11.12.2018	-
Janek Järva	37201XXXXXX	15.01.1972 (54)	Board member	18.12.2009	-

9 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
Ivo Ustav	37110XXXXXX	06.10.1971 (54)	Shareholder	4 800,00 EUR	12,13	Sole ownership	01.09.2023	-
TARTU HOIU-LAENUÜHISTU	-	28.12.2006 (19)	Shareholder	26 000,00 EUR	65,71	Sole ownership	01.09.2023	-

26 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
Andro Roos	38308XXXXXX	02.08.1983 (42)	Founder	02.05.2001	-
Elle Roos	45401XXXXXX	14.01.1954 (72)	Founder	02.05.2001	-
osaühing Klaarit	-	-	Founder	02.05.2001	-

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

1 - 3 / 3 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Märt Riiner	38502XXXXXX	25.02.1985 (41)	Member of higher governing body (board or supervisory board)	23.01.2020	-
Ivo Ustav	37110XXXXXX	06.10.1971 (54)	Direct holding	01.02.2019	-
Janek Järva	37201XXXXXX	15.01.1972 (54)	Member of higher governing body (board or supervisory board)	20.09.2018	-

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

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

104,00%

Monthly average

970 €

Per employee

129 €

State taxes

Monthly average

933 €

Turnover ratio

0,00%

Estimated salary

Gross salary

460 €

Net salary

486 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	89 181 €10.2%	99 325 €36.5%	72 784 €5.9%	77 383 €49.2%	51 863 €28.5%	40 348 €
Non-current assets	53 191 €15.4%	62 848 €17.6%	53 452 €94.1%	27 533 €7.0%	29 606 €5.0%	31 171 €
Total assets	142 372 €12.2%	162 173 €28.5%	126 236 €20.3%	104 916 €28.8%	81 469 €13.9%	71 519 €
Short-term liabilities	22 993 €41.7%	39 416 €0.8%	39 118 €290.1%	10 028 €28.6%	14 037 €51.4%	9 272 €
Long-term liabilities	-	-	-	-	-	-
Total liabilities	22 993 €41.7%	39 416 €0.8%	39 118 €290.1%	10 028 €28.6%	14 037 €51.4%	9 272 €
Share or stock capital	39 568 €	39 568 €	39 568 €	39 568 €	39 568 €	39 568 €
Retained earnings	83 189 €75.0%	47 550 €14.0%	55 320 €98.5%	27 864 €22.9%	22 679 €99.8%	11 351 €
Net profit	-3 378 €109.5%	35 639 €558.7%	-7 770 €128.3%	27 456 €429.5%	5 185 €54.2%	11 328 €
Equity	119 379 €2.8%	122 757 €40.9%	87 118 €8.2%	94 888 €40.7%	67 432 €8.3%	62 247 €
Turnover	101 792 €13.6%	117 883 €76.7%	66 715 €23.5%	87 228 €55.6%	56 074 €18.3%	68 648 €
Profit margin	-3.32%111.0%	30.23%359.6%	-11.65%137.0%	31.48%240.4%	9.25%44.0%	16.50%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	D.E	P.U	S.O	7.7	3.7
Quick ratio	Z.W	V.C	N.W	7.7	3.7
Cash ratio	Z.Z	X.J	Q.U	3.1	0.8
Efficiency
Days sales outstanding (dso)	VJR.Y	RNQ.P	UAM.N	181.0	258.2
Asset turnover	W.X	P.H	W.Z	0.9	0.7
Structure
Debt ratio	P.Y	S.H	J.X	0.1	0.2
Profitability
Operating margin	-N.Z%	KR.R%	-OF.N%	30.0%	5.2%
Net profit margin	-B.K%	AW.J%	-SE.D%	31.5%	9.2%
Return on assets (roa)	-F.P%	VE.A%	-U.B%	29.5%	6.8%
Return on equity (roe)	-R.K%	AR.W%	-E.U%	28.9%	7.7%

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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 20037661 / 19	25.03.2026	Entry order to enforce another court judgment - Amendment entry		Entered into force (25.03.2026)
Ä 20037661 / 18	02.01.2026	Entry - Amendment entry		Entered into force (02.01.2026)
Ä 20037661 / M9	11.12.2025	Order to remedy deficiencies - Amendment entry	10.01.2026	Deficiencies remedied (02.01.2026)
Ä 20037661 / 17	01.09.2023	Entry - Amendment entry		Entered into force (01.09.2023)
Ä 20037661 / 16	12.01.2021	Entry - Amendment entry under CRA § 525 (2)		Entered into force (12.01.2021)

1 - 5 / 32 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

Official announcements

Subject	Date
Notices of commercial and non-profit associations and foundations	02.08.2010

1 - 1 / 1 rows

Public transactions

Date	Party	Amount	Classification
14.04.2026	OÜ Eesti Keskkonnauuringute Keskus	796.23 € Received	OPERATING EXPENSES Other environmental protection, incl. administration
04.03.2026	OÜ Eesti Keskkonnauuringute Keskus	3 502.80 € Received	OPERATING EXPENSES Other environmental protection, incl. administration
04.02.2026	Tartu Linnavalitsus	477.09 € Received	OPERATING EXPENSES Construction
30.01.2026	OÜ Eesti Keskkonnauuringute Keskus	693.92 € Received	OPERATING EXPENSES Other environmental protection, incl. administration
08.12.2025	OÜ Eesti Keskkonnauuringute Keskus	147.00 € Received	OPERATING EXPENSES Other environmental protection, incl. administration

Lõuna Kindlustusmaakler OÜ

Contacts

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Regulations

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Official announcements

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Public transactions

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Enforcement proceedings

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