General information

Contacts

Industries

Jah

VAT liability

Annual reports

✓

Unsubmitted declarations

???

Credit rating

Tax data

✓

Tax debts

Related persons

Holdings in companies

Statistics

Summary of reports

Licenses

Regulations

Real estate

TTJA decisions

550

Court decisions

Official announcements

Public transactions

.ee domains

✓

Enforcement proceedings

✓

Payment orders

CREDITREFORM EESTI OÜ

Legal form:

Private limited company

Registry code:

10887820

VAT no.:

EE100783272

Fiscal-year period:

01.01 - 31.12

Established:

21.08.2002 (23)

Capital:

6 400 EUR

Address:

Laki tn 25, Mustamäe linnaosa, Tallinn, Harju maakond, 12915

Status:

Registered

Contacts

Email:

info@creditreform.ee

Phone:

+372 6826302

Website:

http://creditreform.ee

Industries

ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES
Office administration and other business support services
Business support service activities n.e.c.
82911 - Debt collection and credit information services

VAT liability

	Start	End
EE100783272	01.10.2002

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	Due date 30.06.2026
2024	01.01.2024 - 31.12.2024	30.06.2025	Valid
2023	01.01.2023 - 31.12.2023	26.06.2024	Valid
2022	01.01.2022 - 31.12.2022	29.06.2023	Valid
2021	01.01.2021 - 31.12.2021	23.05.2023	Valid
2020	01.01.2020 - 31.12.2020	31.03.2023	Valid
2019	01.01.2019 - 31.12.2019	01.02.2021	Valid
2018	01.01.2018 - 31.12.2018	30.06.2019	Valid
2017	01.01.2017 - 31.12.2017	30.06.2018	Valid
2016	01.01.2016 - 31.12.2016	30.06.2017	Valid
2015	01.01.2015 - 31.12.2015	30.06.2016	Valid
2014	01.01.2014 - 31.12.2014	29.06.2015	Valid
2013	01.01.2013 - 31.12.2013	30.06.2014	Valid
2012	01.01.2012 - 31.12.2012	20.03.2014	Valid
2012	01.01.2012 - 31.12.2012	27.06.2013	Expired
2011	01.01.2011 - 31.12.2011	07.02.2014	Valid
2011	01.01.2011 - 31.12.2011	29.06.2012	Expired
2010	01.01.2010 - 31.12.2010	05.07.2011	Valid
2009	01.01.2009 - 31.12.2009	29.06.2010	Valid
2008	01.01.2008 - 31.12.2008	16.06.2009	Valid
2007	01.01.2007 - 31.12.2007	17.06.2008	Valid
2006	01.01.2006 - 31.12.2006	29.06.2007	Valid
2005	01.01.2005 - 31.12.2005	29.06.2006	Valid
2004	01.01.2004 - 31.12.2004	27.06.2005	Valid
2003	21.08.2002 - 31.12.2003	25.05.2004	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 05.06.2026.

???

Credit rating

Hidden

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

020406080100

? Risk factors

? Strengths

View summary

✓

Tax debt

✓

Unsubmitted reports

✓

Unsubmitted declarations

550

Court decisions

Official announcements

TTJA decisions

Real estate

.ee domains

Licenses

Regulations

Public transactions

Holdings in companies

✓

Enforcement proceedings

✓

Payment orders

Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	22 892 €	19 267 €	22 545 €4.2%	6
Kokku 2026:	22 892 €	19 267 €	22 545 €
2025 Q4	24 313 €	20 754 €	21 642 €18.7%	6
2025 Q3	24 908 €	20 980 €	26 604 €1.9%	6
2025 Q2	24 865 €	20 046 €	27 116 €128.5%	6
2025 Q1	21 617 €	19 799 €	11 868 €31.9%	6
Kokku 2025:	95 703 €	81 579 €	87 230 €4.2%
2024 Q4	22 138 €	18 669 €	17 435 €2.7%	6
2024 Q3	22 842 €	19 908 €	16 982 €33.9%	6
2024 Q2	22 817 €	18 432 €	25 673 €8.5%	7
2024 Q1	23 381 €	19 075 €	23 653 €25.3%	6
Kokku 2024:	91 178 €	76 084 €	83 743 €19.0%
2023 Q4	20 629 €	18 501 €	18 874 €14.5%	6
2023 Q3	19 783 €	18 051 €	16 485 €20.6%	6
2023 Q2	21 419 €	18 231 €	20 769 €56.1%	6
2023 Q1	24 116 €	19 345 €	47 293 €45.6%	6
Kokku 2023:	85 946 €	74 128 €	103 421 €19.9%
2022 Q4	20 547 €	17 795 €	32 480 €7.7%	7
2022 Q3	23 618 €	22 566 €	30 161 €6.2%	7
2022 Q2	22 707 €	22 180 €	32 147 €6.2%	8
2022 Q1	24 607 €	21 519 €	34 255 €34.7%	8
Kokku 2022:	91 480 €	84 060 €	129 043 €15.5%
2021 Q4	23 893 €	21 665 €	52 465 €71.0%	9
2021 Q3	23 144 €	22 598 €	30 676 €8.7%	9
2021 Q2	23 767 €	23 459 €	33 604 €6.6%	10
2021 Q1	28 656 €	27 543 €	35 967 €21.3%	11
Kokku 2021:	99 461 €	95 266 €	152 712 €20.9%
2020 Q4	26 205 €	26 667 €	45 700 €4.3%	10
2020 Q3	28 094 €	26 162 €	47 746 €6.1%	10
2020 Q2	20 024 €	17 248 €	50 831 €4.0%	11
2020 Q1	26 748 €	25 472 €	48 877 €16.8%	10
Kokku 2020:	101 071 €	95 550 €	193 154 €26.6%
2019 Q4	27 939 €	24 619 €	58 733 €19.4%	10
2019 Q3	23 575 €	23 911 €	49 179 €28.2%	10
2019 Q2	30 385 €	28 727 €	68 501 €20.9%	10
2019 Q1	52 340 €	49 265 €	86 567 €2.3%	11
Kokku 2019:	134 239 €	126 522 €	262 980 €36.5%
2018 Q4	39 906 €	38 362 €	88 596 €12.5%	12
2018 Q3	41 003 €	39 127 €	101 261 €8.3%	15
2018 Q2	39 734 €	33 958 €	110 452 €3.2%	15
2018 Q1	53 133 €	47 715 €	114 085 €1.6%	13
Kokku 2018:	173 776 €	159 162 €	414 394 €2.3%
2017 Q4	46 333 €	34 981 €	112 244 €1.6%	13
2017 Q3	46 155 €	36 987 €	114 117 €19.0%	10
2017 Q2	63 242 €	42 003 €	95 879 €15.9%	14
2017 Q1	49 454 €	32 441 €	82 713 €44.4%	13
Kokku 2017:	205 184 €	146 412 €	404 953 €35.6%
2016 Q4	40 831 €	33 894 €	148 799 €5.0%	14
2016 Q3	51 645 €	35 688 €	156 673 €14.2%	14
2016 Q2	48 493 €	41 612 €	182 682 €30.1%	14
2016 Q1	35 527 €	31 993 €	140 452 €0.1%	14
Kokku 2016:	176 496 €	143 187 €	628 606 €8.1%
2015 Q4	56 418 €	32 998 €	140 647 €1.9%	15
2015 Q3	41 726 €	33 643 €	143 399 €14.4%	15
2015 Q2	59 478 €	39 319 €	167 591 €29.0%	15
2015 Q1	57 494 €	30 475 €	129 893 €	15
Kokku 2015:	215 116 €	136 435 €	581 530 €

Revenue by industry

	2022	2023	2024
Debt collection and credit information services	230 335 €	226 904 €	212 498 €

Tax debts

No tax debt found

No tax debt as of 05.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Alar Jäger	36901XXXXXX	30.01.1969 (57)	Board member	18.02.2019	-

2 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
Osaühing BKI Infosüsteemid	-	09.02.2001 (25)	Shareholder	6 016,00 EUR	94	Sole ownership	21.04.2025	-
CREDITREFORM EESTI OÜ	-	21.08.2002 (23)	Shareholder	384,00 EUR	6	Sole ownership	01.09.2023	-

27 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
CREDITREFORM LATVIJĀ	-	-	Founder	21.08.2002	-

1 - 1 / 1 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Alar Jäger	36901XXXXXX	30.01.1969 (57)	Indirect holding	01.11.2018	-

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

1 - 1 / 1 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
CREDITREFORM EESTI OÜ	21.08.2002	Shareholder	384,00 EUR	6	Sole ownership	01.09.2023	-

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

1 - 1 / 1 rows

2026 Q1

Turnover

Amount

22 545 €

Monthly average

7 515 €

Per employee

1 253 €

Equity ratio

117,42%

Labour taxes

Turnover ratio

85,46%

Tax ratio

84,16%

Monthly average

6 422 €

Per employee

1 070 €

State taxes

Monthly average

7 631 €

Turnover ratio

101,54%

Estimated salary

Gross salary

2 044 €

Net salary

1 665 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	88 521 €2.8%	91 045 €28.9%	70 640 €12.1%	80 360 €15.1%	94 679 €30.3%	135 818 €
Non-current assets	20 278 €4.4%	21 211 €38.9%	34 721 €46.7%	65 154 €33.6%	98 142 €0.2%	98 297 €
Total assets	108 799 €3.1%	112 256 €6.5%	105 361 €27.6%	145 514 €24.5%	192 821 €17.6%	234 115 €
Short-term liabilities	80 788 €11.5%	72 448 €76.3%	41 088 €10.4%	45 835 €8.8%	50 233 €44.4%	90 386 €
Long-term liabilities	-	22 000 €61.0%	56 381 €30.2%	43 306 €8.3%	40 000 €	-
Total liabilities	80 788 €14.5%	94 448 €3.1%	97 469 €9.3%	89 141 €1.2%	90 233 €0.2%	90 386 €
Share or stock capital	6 400 €	6 400 €	6 400 €	6 400 €	6 400 €	6 400 €
Retained earnings	11 408 €664.6%	1 492 €97.0%	49 973 €48.0%	96 189 €27.4%	132 433 €10.4%	147 834 €
Net profit	10 203 €2.9%	9 916 €120.5%	-48 481 €4.9%	-46 216 €27.5%	-36 245 €245.0%	-10 505 €
Equity	28 011 €57.3%	17 808 €125.6%	7 892 €86.0%	56 373 €45.0%	102 588 €28.6%	143 729 €
Turnover	212 498 €6.3%	226 904 €1.5%	230 335 €20.0%	287 809 €19.7%	358 574 €16.2%	427 831 €
Profit margin	4.80%9.9%	4.37%120.8%	-21.05%31.1%	-16.06%58.9%	-10.11%311.7%	-2.46%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	DN LLH	BR RBE	-VB BWT	-34 921	-26 958
Liquidity
Current ratio	S.T	B.S	V.B	1.8	1.9
Quick ratio	B.A	W.C	A.D	1.8	1.9
Cash ratio	A.Z	F.U	B.Z	1.0	0.9
Efficiency
Days sales outstanding (dso)	ME.J	JN.N	KV.J	90.0	88.8
Asset turnover	T.M	J.C	H.N	1.7	1.7
Structure
Debt ratio	Q.H	G.C	V.F	0.6	0.5
Profitability
Operating margin	Z.Z%	N.D%	-BT.K%	-14.9%	-9.9%
Net profit margin	N.F%	Y.O%	-TN.Z%	-16.1%	-10.1%
Return on assets (roa)	O.X%	B.K%	-FE.I%	-27.3%	-17.0%
Return on equity (roe)	AB.L%	LU.F%	-ZJM.Z%	-82.0%	-35.3%

To view all financial ratios, you need to subscribe to extended access to the info portal!

Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 10067084 / M3	21.04.2025	Directive order - Change of shareholders	01.05.2025	Deficiencies remedied (21.04.2025)
Ä 10067084 / 17	21.04.2025	Entry - Amendment entry		Entered into force (21.04.2025)
Ä 10067084 / 16	01.09.2023	Entry - Amendment entry		Entered into force (01.09.2023)
Ä 10067084 / 15	09.05.2022	Entry - Amendment entry under CRA § 525 (2)		Entered into force (09.05.2022)
Ä 10067084 / 14	03.11.2020	Entry - Amendment entry		Entered into force (03.11.2020)

1 - 5 / 20 rows

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions

Document no.	Composition	Decision	Date
19-1/20-07706-014	Jüri Aava, Mari-Liis Aas, Merike Koppel	Against the consumer	17.09.2020
17-010840-013	-	Against the consumer	19.04.2018

1 - 2 / 2 rows

Court decisions

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date	Participants
2-25-129645/6						04.03.2026
2-25-108201/10						27.02.2026
2-25-129661/6						10.02.2026
2-18-12559/62						04.02.2026
2-22-17107/49						04.02.2026

1 - 5 / 550 rows

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

Date	Party	Amount	Classification
20.02.2026	Sihtasutus Alutagusemaa	157.82 € Received	OPERATING EXPENSES Recreational parks and facilities
17.02.2026	Saaremaa Vallavalitsus	154.81 € Received	OPERATING EXPENSES Municipal government
07.01.2026	Saaremaa Vallavalitsus	191.83 € Received	OPERATING EXPENSES Municipal government
15.09.2025	Saaremaa Vallavalitsus	30.38 € Received	OPERATING EXPENSES Pre-primary education
15.09.2025	Saaremaa Vallavalitsus	72.50 € Received	OPERATING EXPENSES Basic and general secondary education

1 - 5 / 34 rows

.ee domains

Domain	Status	Registered	Expires	End
e-creditreform.ee	Active	05.05.2021	06.05.2027	-
inkassocreditreform.ee	Active	19.06.2018	20.06.2026	-
creditreform.ee	Active	04.07.2010	17.09.2026	-

1 - 3 / 3 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