CREDITREFORM EESTI OÜ

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	02.07.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	30.06.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	26.06.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	29.06.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	23.05.2023	Valid	PDF
2020	01.01.2020 – 31.12.2020	31.03.2023	Valid	PDF
2019	01.01.2019 – 31.12.2019	01.02.2021	Valid	PDF
2018	01.01.2018 – 31.12.2018	30.06.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	30.06.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	30.06.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	30.06.2016	Valid	PDF
2014	01.01.2014 – 31.12.2014	29.06.2015	Valid	PDF
2013	01.01.2013 – 31.12.2013	30.06.2014	Valid	PDF
2012	01.01.2012 – 31.12.2012	20.03.2014	Valid	PDF
2012	01.01.2012 – 31.12.2012	27.06.2013	Expired	PDF
2011	01.01.2011 – 31.12.2011	07.02.2014	Valid	PDF
2011	01.01.2011 – 31.12.2011	29.06.2012	Expired	PDF
2010	01.01.2010 – 31.12.2010	05.07.2011	Valid	PDF
2009	01.01.2009 – 31.12.2009	29.06.2010	Valid	PDF
2008	01.01.2008 – 31.12.2008	16.06.2009	Valid	PDF
2007	01.01.2007 – 31.12.2007	17.06.2008	Valid	PDF
2006	01.01.2006 – 31.12.2006	29.06.2007	Valid	PDF
2005	01.01.2005 – 31.12.2005	29.06.2006	Valid	PDF
2004	01.01.2004 – 31.12.2004	27.06.2005	Valid	PDF
2003	21.08.2002 – 31.12.2003	25.05.2004	Valid	PDF

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Tax debt Reports Declarations Court decisions557 Official announcements–TTJA decisions2 Real estate–.ee domains3 Licenses–Regulations21 Public transactions35 Grants1 State aid2 Public procurement2 Holdings in companies–Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	22 885 €	19 252 €	19 287 €−32,2%	6
2026 Q2	23 747 €	19 400 €	28 461 €+26,2%	6
2026 Q1	22 892 €	19 267 €	22 545 €+4,2%	6
Total 2026:	69 524 €	57 919 €	70 293 €
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%	6
2025 Q1	21 617 €	19 799 €	11 868 €−31,9%	6
Total 2025:	95 703 €	81 579 €	87 230 €
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
Total 2024:	91 178 €	76 084 €	83 743 €
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
Total 2023:	85 947 €	74 128 €	103 421 €
2022 Q4	20 547 €	17 795 €	32 480 €+7,7%	7
2022 Q3	23 618 €	22 566 €	30 161 €−6,2%	6
2022 Q2	22 707 €	22 180 €	32 147 €−6,2%	8
2022 Q1	24 607 €	21 519 €	34 255 €−34,7%	8
Total 2022:	91 479 €	84 060 €	129 043 €
2021 Q4	23 892,61 €	21 665,40 €	52 464,60 €+71,0%	9
2021 Q3	23 144,32 €	22 598,21 €	30 676,26 €−8,7%	9
2021 Q2	23 767,27 €	23 459,23 €	33 604,10 €−6,6%	10
2021 Q1	28 656,41 €	27 543,45 €	35 967,14 €−21,3%	11
Total 2021:	99 460,61 €	95 266,29 €	152 712,10 €
2020 Q4	26 204,55 €	26 667,45 €	45 700,04 €−4,3%	10
2020 Q3	28 094,14 €	26 162,47 €	47 746,16 €−6,1%	10
2020 Q2	20 024,25 €	17 247,77 €	50 831,27 €+4,0%	11
2020 Q1	26 748 €	25 472 €	48 877 €−16,8%	10
Total 2020:	101 070,94 €	95 549,69 €	193 154,47 €
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
Total 2019:	134 239 €	126 522 €	262 980 €
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
Total 2018:	173 776 €	159 162 €	414 394 €
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
Total 2017:	205 184 €	146 412 €	404 953 €
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
Total 2016:	176 496 €	143 187 €	628 606 €
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
Total 2015:	215 116 €	136 435 €	581 530 €

Revenue by industry

	2023	2024	2025
Debt collection and credit information services	226 904 €	212 498 €	222 400 €

Tax debts

No tax debt found

No tax debt as of 23.10.2026

Representatives

	Personal ID code
Alar Jäger	36901XXXXXX	30.01.1969 (57)	Board member	18.02.2019	-

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Shareholders

	Personal ID code
Osaühing BKI Infosüsteemid	10727559	09.02.2001 (25)	Shareholder	6 400 EUR	100,00%	Sole ownership	29.06.2026	-

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Other persons

	Personal ID code
CREDITREFORM LATVIJĀ	-	-	Founder	21.08.2002	-

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Ultimate beneficial owners

	Personal ID code
Alar Jäger	36901XXXXXX	30.01.1969 (57)	Indirect holding	01.11.2018	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

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2026 Q3

Turnover

Amount: 19 287 €
Monthly average: 6 429 €
Per employee: 1 072 €
Equity ratio: 100,45%

Labour taxes

Turnover ratio: 99,82%
Tax ratio: 84,12%
Monthly average: 6 417 €
Per employee: 1 070 €

State taxes

Monthly average: 7 628 €
Turnover ratio: 118,66%

Estimated salary

Gross salary: 2 016 €
Net salary: 1 670 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	67 823 €−23,4%	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	10 871 €−46,4%	20 278 €−4,4%	21 211 €−38,9%	34 721 €−46,7%	65 154 €−33,6%	98 142 €−0,2%	98 297 €
Total assets	78 694 €−27,7%	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	55 005 €−31,9%	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	55 005 €−31,9%	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	-	-	-	-	-	-	-
Retained earnings	25 868 €+65,1%	15 665 €+173%	5 748 €−89,4%	54 229 €−46,0%	100 445 €−26,5%	136 689 €−7,1%	147 194 €
Net profit	-4 322 €−142%	10 203 €+2,9%	9 916 €+120%	-48 481 €−4,9%	-46 216 €−27,5%	-36 245 €−245%	-10 505 €
Equity	23 689 €−15,4%	28 011 €+57,3%	17 808 €+126%	7 892 €−86,0%	56 373 €−45,0%	102 588 €−28,6%	143 729 €
Turnover	222 400 €+4,7%	212 498 €−6,3%	226 904 €−1,5%	230 335 €−20,0%	287 809 €−19,7%	358 574 €−16,2%	427 831 €
Profit margin	-1,9%	4,8%	4,4%	-21,0%	-16,1%	-10,1%	-2,5%

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	-40 907 €	-34 921 €
Liquidity
Current ratio	1,7	1,8
Quick ratio	1,7	1,8
Cash ratio	0,8	1,0
Efficiency
Days sales outstanding (dso)	76,3	90,0
Asset turnover	1,8	1,7
Structure
Debt ratio	0,9	0,6
Profitability
Operating margin	-19,7%	-14,9%
Net profit margin	-21,0%	-16,1%
Return on assets (roa)	-38,6%	-27,3%
Return on equity (roe)	-614,3%	-82,0%

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 10067084 / 18	29.06.2026	Entry – Amendment entry	-	Entered into force29.06.2026
Ä 10067084 / M3	21.04.2025	Directive order – Change of shareholders	01.05.2025	Deficiencies remedied21.04.2025
Ä 10067084 / 17	21.04.2025	Entry – Amendment entry	-	Entered into force21.04.2025
Ä 10067084 / 16	01.09.2023	Entry – Amendment entry	-	Entered into force01.09.2023
Ä 10067084 / 15	09.05.2022	Entry – Amendment entry under CRA § 525 (2)	-	Entered into force09.05.2022

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions


19-1/20-07706-014	Jüri Aava, Mari-Liis Aas, Merike Koppel	Against the consumer	17.09.2020	PDF
17-010840-013	-	Against the consumer	19.04.2018

Court decisions


2-26-106821/13	Kohtu I astme menetlus	Court judgment	Law of obligations	Priit Palmiste	ECLI:EE:HMK:2026:2.26.106821.15964	14.09.2026	Open
2-25-15281/32	Kohtu I astme menetlus	Court ruling	308760868	Reena Undrest	ECLI:EE:PMK:2026:2.25.15281.15048	07.09.2026	Open
2-24-144618/18	Kohtu I astme menetlus	Court judgment	Payment order, law of obligations	Janek Väli	ECLI:EE:HMK:2026:2.24.144618.13875	11.08.2026	Open
2-23-4873/28	Kohtu I astme menetlus	Court ruling	308760868, Pankrotiõigus	Maimu Laumets	ECLI:EE:TMK:2026:2.23.4873.12433	05.08.2026	Open
2-26-104537/7	Kohtu I astme menetlus	Court judgment	Law of obligations	Priit Palmiste	ECLI:EE:HMK:2026:2.26.104537.13889	07.07.2026	Open

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions


07.08.2026	Mustvee Vallavalitsus	451,21 €Received	OPERATING EXPENSESOther economy, incl. economic administration
20.02.2026	Sihtasutus Alutagusemaa	157,82 €Received	OPERATING EXPENSESRecreational parks and facilities
17.02.2026	Saaremaa Vallavalitsus	154,81 €Received	OPERATING EXPENSESMunicipal government
07.01.2026	Saaremaa Vallavalitsus	191,83 €Received	OPERATING EXPENSESMunicipal government
15.09.2025	Saaremaa Vallavalitsus	30,38 €Received	OPERATING EXPENSESPre-primary education

Funded projects


Inkassomenetluse tähtsamad õiguslikud aspektid1.4.0501.09-0637	Teadmiste ja oskuste arendamise toetusESF · Ettevõtluse ja Innovatsiooni Sihtasutus	31.08.2009 – 25.10.20092007-2013	3 195,58 €	3 195,58 €	Completed

State aid


11.02.2021	Tallinna StrateegiakeskusAid measure 20953	Muu › MuuGrant	3 290 €	20953/2100010
09.01.2019	Eesti TöötukassaAid measure 15461	Palgatoetus VTA › Palgatoetus VTAGrant	3 205,65 €	15461/1907995

Public procurement contracts


26.01.2026End 25.01.2027	Reference number 303023 · KONTSESSIOONILEPING	Sillamäe LinnavalitsusContracting authority	0,99 €	Concluded
24.06.2018End 25.06.2020	Reference number 197371 · Leping_22.06.18_6.2-2_18_367	Ettevõtluse Arendamise SihtasutusContracting authority	50 000 €actual 1 713,37 €	Completed

.ee domains


e-creditreform.ee	Active	05.05.2021	06.05.2027
inkassocreditreform.ee	Active	19.06.2018	20.06.2027
creditreform.ee	Active	04.07.2010	17.09.2027

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.