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ADL Kindlustusmaakler OÜ

Legal form:

Private limited company

Registry code:

10993769

VAT no.:

EE102928446

Fiscal-year period:

01.01 - 31.12

Established:

09.12.2003 (22)

Former business names:

Osaühing AADEL KINDLUSTUSMAAKLERID

Capital:

12 000 EUR

Address:

A. H. Tammsaare tee 53, Kristiine linnaosa, Tallinn, Harju maakond, 13415

Status:

Registered

E-arvete vastuvõtmine:

Arvekeskus

Contacts

Email:

info@adl.ee

Phone:

+372 6666060

Website:

https://adl.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
EE102928446	27.11.2025

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	08.05.2026	Valid
2024	01.01.2024 - 31.12.2024	28.06.2025	Valid
2023	01.01.2023 - 31.12.2023	30.06.2024	Valid
2022	01.01.2022 - 31.12.2022	30.04.2023	Valid
2021	01.01.2021 - 31.12.2021	02.05.2022	Valid
2020	01.01.2020 - 31.12.2020	24.06.2021	Valid
2019	01.01.2019 - 31.12.2019	30.06.2020	Valid
2018	01.01.2018 - 31.12.2018	02.05.2019	Valid
2017	01.01.2017 - 31.12.2017	28.09.2018	Valid
2016	01.01.2016 - 31.12.2016	26.04.2017	Valid
2015	01.01.2015 - 31.12.2015	20.04.2016	Valid
2014	01.01.2014 - 31.12.2014	21.04.2015	Valid
2013	01.01.2013 - 31.12.2013	30.04.2014	Valid
2012	01.01.2012 - 31.12.2012	29.04.2013	Valid
2011	01.01.2011 - 31.12.2011	15.05.2012	Valid
2010	01.01.2010 - 31.12.2010	31.05.2011	Valid
2009	01.01.2009 - 31.12.2009	05.04.2010	Valid
2008	01.01.2008 - 31.12.2008	08.05.2009	Valid
2007	01.01.2007 - 31.12.2007	09.05.2008	Valid
2006	01.01.2006 - 31.12.2006	29.05.2007	Valid
2005	01.01.2005 - 31.12.2005	27.03.2006	Valid
2004	19.09.2003 - 31.12.2004	19.04.2005	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 22.07.2026.

???

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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319

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q2	59 520 €	63 025 €	1 686 €124.5%	27
2026 Q1	63 975 €	67 382 €	751 €1 265.5%	29
Kokku 2026:	123 495 €	130 407 €	2 437 €4 330.9%
2025 Q4	66 616 €	70 765 €	55 €	29
2025 Q3	64 338 €	68 468 €	0 €	30
2025 Q2	60 295 €	64 095 €	0 €	29
2025 Q1	60 600 €	64 528 €	0 €	29
Kokku 2025:	251 849 €	267 856 €	55 €
2024 Q4	58 587 €	62 187 €	0 €	29
2024 Q3	57 761 €	61 541 €	0 €	28
2024 Q2	52 796 €	56 092 €	0 €	28
2024 Q1	54 569 €	55 731 €	0 €	29
Kokku 2024:	223 713 €	235 551 €	0 €
2023 Q4	55 951 €	55 542 €	0 €	31
2023 Q3	54 884 €	58 569 €	0 €	30
2023 Q2	52 080 €	55 793 €	0 €	28
2023 Q1	46 926 €	50 358 €	0 €	28
Kokku 2023:	209 841 €	220 261 €	0 €
2022 Q4	52 255 €	55 928 €	0 €	29
2022 Q3	49 274 €	52 797 €	0 €	30
2022 Q2	42 162 €	45 173 €	0 €	30
2022 Q1	56 351 €	59 220 €	0 €	30
Kokku 2022:	200 042 €	213 119 €	0 €
2021 Q4	42 752 €	45 811 €	0 €	30
2021 Q3	41 107 €	44 094 €	0 €	25
2021 Q2	37 678 €	40 617 €	0 €	23
2021 Q1	35 838 €	38 583 €	0 €	22
Kokku 2021:	157 375 €	169 104 €	0 €
2020 Q4	39 279 €	42 271 €	0 €	22
2020 Q3	38 821 €	41 765 €	0 €	21
2020 Q2	30 863 €	33 139 €	0 €	23
2020 Q1	38 013 €	40 880 €	0 €	23
Kokku 2020:	146 976 €	158 055 €	0 €
2019 Q4	32 836 €	35 307 €	0 €	24
2019 Q3	37 971 €	40 831 €	0 €	23
2019 Q2	32 824 €	35 307 €	0 €	23
2019 Q1	41 317 €	44 596 €	0 €	24
Kokku 2019:	144 948 €	156 041 €	0 €
2018 Q4	39 918 €	43 155 €	0 €	25
2018 Q3	42 408 €	45 768 €	0 €	26
2018 Q2	33 530 €	36 179 €	0 €	17
2018 Q1	36 221 €	39 208 €	0 €	17
Kokku 2018:	152 077 €	164 310 €	0 €
2017 Q4	32 214 €	34 747 €	0 €	16
2017 Q3	36 804 €	39 646 €	0 €	17
2017 Q2	35 203 €	37 925 €	0 €	17
2017 Q1	34 139 €	36 798 €	0 €100.0%	16
Kokku 2017:	138 360 €	149 116 €	0 €100.0%
2016 Q4	33 657 €	36 294 €	144 373 €5.3%	18
2016 Q3	35 550 €	38 331 €	152 475 €10.3%	18
2016 Q2	32 257 €	34 762 €	138 278 €6.2%	18
2016 Q1	34 394 €	37 070 €	147 462 €1.0%	18
Kokku 2016:	135 858 €	146 457 €	582 588 €5.1%
2015 Q4	32 331 €	34 864 €	146 048 €11.7%	20
2015 Q3	36 712 €	39 501 €	165 469 €8.9%	20
2015 Q2	33 656 €	36 256 €	151 877 €0.9%	20
2015 Q1	33 249 €	35 936 €	150 536 €	20
Kokku 2015:	135 948 €	146 557 €	613 930 €

Revenue by industry

	2023	2024	2025
Activities of insurance brokers		902 648 €	903 557 €
Activities of insurance agents and brokers	839 180 €

Tax debts

No tax debt found

No tax debt as of 22.07.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Silver Havamaa	37605XXXXXX	28.05.1976 (50)	Board member	16.10.2017	-

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
Silver Havamaa	37605XXXXXX	28.05.1976 (50)	Shareholder	12 000,00 EUR	100	Sole ownership	01.09.2023	-

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

1 - 1 / 1 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Janek Järva	37201XXXXXX	15.01.1972 (54)	Founder	09.12.2003	-
Rea Tänav	-	-	Founder	09.12.2003	-

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

1 - 2 / 2 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Silver Havamaa	37605XXXXXX	28.05.1976 (50)	Direct holding	11.09.2018	-

1 - 1 / 1 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

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

2026 Q2

Turnover

Amount

1 686 €

Monthly average

562 €

Per employee

21 €

Equity ratio

4,68%

Labour taxes

Turnover ratio

3 738,14%

Tax ratio

105,89%

Monthly average

21 008 €

Per employee

750 €

State taxes

Monthly average

19 840 €

Turnover ratio

3 530,25%

Estimated salary

Gross salary

1 505 €

Net salary

1 264 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	466 645 €21.5%	594 454 €14.7%	696 833 €46.3%	476 214 €11.3%	427 948 €25.0%	342 396 €46.0%	633 552 €
Non-current assets	190 750 €77.9%	107 250 €3.1%	110 652 €50.1%	221 582 €248.8%	63 518 €57 123.4%	111 €	-
Total assets	657 395 €6.3%	701 704 €13.1%	807 485 €15.7%	697 796 €42.0%	491 466 €43.5%	342 507 €45.9%	633 552 €
Short-term liabilities	503 476 €13.6%	582 867 €5.1%	554 446 €10.2%	503 010 €37.0%	367 282 €11.7%	328 761 €20.4%	412 860 €
Long-term liabilities	-	-	-	50 000 €17.8%	60 855 €69.6%	-	200 000 €
Total liabilities	503 476 €13.6%	582 867 €5.1%	554 446 €0.3%	553 010 €29.2%	428 137 €30.2%	328 761 €46.4%	612 860 €
Share or stock capital	12 000 €	12 000 €	12 000 €	12 000 €	12 000 €	12 000 €	12 000 €
Retained earnings	106 837 €62.4%	65 773 €39.4%	108 574 €111.5%	51 329 €2 839.8%	1 746 €79.9%	8 692 €5.9%	8 208 €
Net profit	35 082 €14.6%	41 064 €69.0%	132 465 €62.6%	81 457 €64.3%	49 583 €813.8%	-6 946 €1 535.1%	484 €
Equity	153 919 €29.5%	118 837 €53.0%	253 039 €74.8%	144 786 €128.6%	63 329 €360.7%	13 746 €33.6%	20 692 €
Turnover	903 557 €0.1%	902 648 €7.6%	839 180 €19.4%	702 755 €21.2%	579 644 €3.7%	559 022 €1.0%	564 416 €
Profit margin	3.88%14.7%	4.55%71.2%	15.79%36.2%	11.59%35.5%	8.55%788.4%	-1.24%1 549.0%	0.09%

Financial ratios

	2025	2024	2023	2022	2021
Profit and cash flow
EBITDA	VR LIG	ZW BIK	KPP AVU	-	-
Liquidity
Current ratio	Q.O	N.P	J.T	0.9	1.2
Quick ratio	G.Z	G.B	P.M	0.9	1.2
Cash ratio	I.A	E.F	M.A	0.5	0.6
Efficiency
Days sales outstanding (dso)	RE.Q	ZGL.D	UYL.P	106.5	92.8
Asset turnover	S.W	M.L	G.R	1.2	1.4
Structure
Debt ratio	C.Q	F.L	I.E	0.8	0.9
Profitability
Operating margin	D.E%	F.A%	AK.E%	9.9%	8.1%
Net profit margin	F.X%	P.G%	SN.N%	11.6%	8.6%
Return on assets (roa)	S.E%	K.S%	CH.W%	13.7%	11.9%
Return on equity (roe)	FJ.X%	SH.T%	SB.M%	56.3%	78.3%

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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 10075831 / 15	11.06.2025	Entry - Amendment entry		Entered into force (11.06.2025)
Ä 10075831 / M5	22.05.2025	Order confirming reservation of business name		Entered into force (22.05.2025)
Ä 10075831 / 14	09.05.2024	Entry - Division entry of transferring entity (second, constitutive entry)		Entered into force (09.05.2024)
Ä 10075831 / M4	26.03.2024	Order to remedy deficiencies - Division entry of transferring entity (second, constitutive entry)	25.05.2024	Deficiencies remedied (09.05.2024)
Ä 10075831 / 13	01.09.2023	Entry - Amendment entry		Entered into force (01.09.2023)

1 - 5 / 20 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
2-19-10223/60	Civil case	Court judgment	Labour law	Andra Pärsimägi, Kersti Kerstna-Vaks, Indrek Parrest	ECLI:EE:TRRK:2021:2.19.10223.27634	30.06.2021
2-19-10223/47	Civil case	Court judgment	Labour law	Hele Kaldma	ECLI:EE:TMK:2021:2.19.10223.27527	23.02.2021

1 - 2 / 2 rows

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

Date	Party	Amount	Classification
30.06.2026	Mustamäe Linnaosa Valitsus	331.50 € Received	OPERATING EXPENSES Housing development
10.06.2026	Mustamäe Kultuurikeskus Kaja	2 191.85 € Received	OPERATING EXPENSES Folk culture
05.06.2026	Mustamäe Linnaosa Valitsus	427.62 € Received	OPERATING EXPENSES Housing development
28.05.2026	Tartu Linnatransport	817.91 € Received	OPERATING EXPENSES Organisation of public transport
26.05.2026	Tartu Linnatransport	1 353.87 € Received	OPERATING EXPENSES Organisation of public transport

1 - 5 / 319 rows

.ee domains

Domain	Status	Registered	Expires	End
ald.ee	Active	21.01.2025	22.01.2027	-
aadel.ee	Active	04.07.2010	19.10.2026	-
adl.ee	Active	04.07.2010	14.07.2027	-

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