Osaühing KULDEKSPERT

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	30.06.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	30.06.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	27.06.2025	Expired	PDF
2023	01.01.2023 – 31.12.2023	28.06.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	30.06.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	30.06.2022	Valid	PDF
2020	01.01.2020 – 31.12.2020	30.06.2021	Valid	PDF
2019	01.01.2019 – 31.12.2019	31.10.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	27.01.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	30.06.2019	Expired	PDF
2017	01.01.2017 – 31.12.2017	27.01.2020	Valid	PDF
2017	01.01.2017 – 31.12.2017	30.06.2018	Expired	PDF
2016	01.01.2016 – 31.12.2016	27.01.2020	Valid	PDF
2016	01.01.2016 – 31.12.2016	30.06.2017	Expired	PDF
2015	01.01.2015 – 31.12.2015	27.01.2020	Valid	PDF
2015	01.01.2015 – 31.12.2015	07.06.2016	Expired	PDF
2014	01.01.2014 – 31.12.2014	27.01.2020	Valid	PDF
2014	01.01.2014 – 31.12.2014	09.06.2015	Expired	PDF
2013	01.01.2013 – 31.12.2013	27.01.2020	Valid	PDF
2013	01.01.2013 – 31.12.2013	30.05.2014	Expired	PDF
2012	01.01.2012 – 31.12.2012	26.01.2020	Valid	PDF
2012	01.01.2012 – 31.12.2012	11.06.2013	Expired	PDF
2011	01.01.2011 – 31.12.2011	26.01.2020	Valid	PDF
2011	01.01.2011 – 31.12.2011	08.06.2012	Expired	PDF
2010	01.01.2010 – 31.12.2010	26.01.2020	Valid	PDF
2010	01.01.2010 – 31.12.2010	21.06.2011	Expired	PDF
2009	01.01.2009 – 31.12.2009	26.01.2020	Valid	PDF
2009	01.01.2009 – 31.12.2009	29.06.2010	Expired	PDF
2008	01.01.2008 – 31.12.2008	30.06.2010	Valid	PDF
2008	01.01.2008 – 31.12.2008	30.10.2009	Expired	PDF
2008	01.01.2008 – 31.12.2008	23.03.2010	Expired	PDF
2007	01.01.2007 – 31.12.2007	23.03.2010	Valid	PDF
2007	01.01.2007 – 31.12.2007	26.10.2009	Expired	PDF
2006	01.01.2006 – 31.12.2006	08.02.2008	Valid	PDF
2005	01.01.2005 – 31.12.2005	09.10.2006	Valid	PDF
2004	22.04.2004 – 31.12.2004	27.06.2005	Valid	PDF

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 21.10.2026.

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Tax debt Reports Declarations Court decisions–Official announcements–TTJA decisions–Real estate–.ee domains–Licenses2 Regulations19 Public transactions–Grants–State aid–Public procurement–Holdings in companies–Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	3 556 €	3 780 €	-	6
2026 Q2	3 849 €	4 088 €	-	6
2026 Q1	2 871 €	3 047 €	-	6
Total 2026:	10 276 €	10 915 €	0 €
2025 Q4	4 111 €	4 368 €	-	6
2025 Q3	4 249 €	4 520 €	-	6
2025 Q2	5 012 €	5 314 €	-	7
2025 Q1	5 120 €	5 447 €	-	7
Total 2025:	18 492 €	19 649 €	0 €
2024 Q4	4 934 €	5 250 €	-	7
2024 Q3	4 882 €	5 200 €	-	7
2024 Q2	4 859 €	5 177 €	-	7
2024 Q1	4 504 €	4 800 €	-	7
Total 2024:	19 179 €	20 427 €	0 €
2023 Q4	4 251 €	4 538 €	-	7
2023 Q3	4 404 €	4 701 €	-	7
2023 Q2	4 789 €	5 113 €	-	7
2023 Q1	5 063 €	5 399 €	-	8
Total 2023:	18 507 €	19 751 €	0 €
2022 Q4	5 140 €	5 469 €	-	8
2022 Q3	5 170 €	5 499 €	-	8
2022 Q2	5 055 €	5 379 €	-	8
2022 Q1	6 759 €	7 212 €	-	8
Total 2022:	22 124 €	23 559 €	0 €
2021 Q4	7 024,46 €	7 493,21 €	-	9
2021 Q3	7 392,35 €	8 101,78 €	-	10
2021 Q2	5 498,92 €	6 076,68 €	-	10
2021 Q1	6 935,31 €	7 657,20 €	-	10
Total 2021:	26 851,04 €	29 328,87 €	0 €
2020 Q4	5 503,97 €	6 101,18 €	-	10
2020 Q3	5 252,94 €	5 834,70 €	-	10
2020 Q2	3 922,51 €	4 369,01 €	-	10
2020 Q1	6 209 €	7 040 €	0 €	10
Total 2020:	20 888,42 €	23 344,89 €	0 €
2019 Q4	5 406 €	5 934 €	0 €	11
2019 Q3	5 006 €	5 475 €	0 €	11
2019 Q2	5 311 €	5 825 €	0 €	11
2019 Q1	5 299 €	5 797 €	0 €	11
Total 2019:	21 022 €	23 031 €	0 €
2018 Q4	5 028 €	5 522 €	0 €	11
2018 Q3	4 979 €	5 456 €	0 €	11
2018 Q2	4 806 €	5 245 €	0 €	11
2018 Q1	4 659 €	5 157 €	0 €	12
Total 2018:	19 472 €	21 380 €	0 €
2017 Q4	5 635 €	6 178 €	0 €	13
2017 Q3	5 586 €	6 122 €	0 €	13
2017 Q2	5 641 €	6 183 €	0 €	13
2017 Q1	5 799 €	6 349 €	0 €−100%	13
Total 2017:	22 661 €	24 832 €	0 €
2016 Q4	5 799 €	6 340 €	34 283 €+0,7%	13
2016 Q3	5 773 €	6 293 €	34 028 €+5,3%	13
2016 Q2	5 483 €	5 977 €	32 315 €−5,0%	13
2016 Q1	5 763 €	6 291 €	34 014 €+0,8%	13
Total 2016:	22 818 €	24 901 €	134 640 €
2015 Q4	6 139 €	6 684 €	33 742 €−11,3%	13
2015 Q3	6 952 €	7 539 €	38 062 €+1,6%	13
2015 Q2	6 842 €	7 420 €	37 462 €+6,0%	13
2015 Q1	6 432 €	7 004 €	35 358 €	13
Total 2015:	26 365 €	28 647 €	144 624 €

Revenue by industry

	2023	2024	2025
Pawn shops	124 093 €	129 937 €	107 639 €

Tax debts

No tax debt found

No tax debt as of 21.10.2026

Representatives

	Personal ID code
Natalja Davydova	47102XXXXXX	18.02.1971 (55)	Board member	17.07.2020	-

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Shareholders

	Personal ID code
Natalja Davydova	47102XXXXXX	18.02.1971 (55)	Shareholder	40 000 EEK	100,00%	Sole ownership	01.09.2023	-

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Other persons

	Personal ID code
Natalja Davydova	47102XXXXXX	18.02.1971 (55)	Founder	22.04.2004	-
Sergei Dõmov	35909XXXXXX	29.09.1959 (67)	Founder	22.04.2004	-

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Ultimate beneficial owners

	Personal ID code
Natalja Davydova	47102XXXXXX	18.02.1971 (55)	Direct holding	26.10.2018	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q3

Turnover

Amount: 0 €
Monthly average: 0 €
Per employee: -

Labour taxes

Turnover ratio: -
Tax ratio: 106,30%
Monthly average: 1 260 €
Per employee: 210 €

State taxes

Monthly average: 1 185 €
Turnover ratio: -

Estimated salary

Gross salary: 550 €
Net salary: 530 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	86 326 €−9,7%	95 591 €+4,1%	91 797 €+0,9%	90 993 €−4,0%	94 793 €−37,6%	151 927 €+0,3%	151 484 €
Non-current assets	-	-	-	4 414 €	4 414 €	4 414 €−40,1%	7 366 €
Total assets	86 326 €−9,7%	95 591 €+4,1%	91 797 €−3,8%	95 407 €−3,8%	99 207 €−36,5%	156 341 €−1,6%	158 850 €
Short-term liabilities	3 568 €−45,3%	6 520 €−17,3%	7 882 €−10,0%	8 755 €−17,6%	10 627 €−53,4%	22 795 €+124%	10 173 €
Long-term liabilities	63 386 €−4,5%	66 342 €−8,1%	72 219 €−13,1%	83 097 €+1,7%	81 691 €−30,2%	117 030 €−0,6%	117 730 €
Total liabilities	66 954 €−8,1%	72 862 €−9,0%	80 101 €−12,8%	91 852 €−0,5%	92 318 €−34,0%	139 825 €+9,3%	127 903 €
Share or stock capital	-	-	-	-	-	-	-
Retained earnings	20 173 €+121%	9 140 €+1 773%	488 €−87,2%	3 822 €−71,6%	13 449 €−51,8%	27 880 €−11,7%	31 573 €
Net profit	-3 357 €−130%	11 033 €+27,5%	8 652 €+360%	-3 334 €+65,4%	-9 627 €+33,3%	-14 431 €−291%	-3 693 €
Equity	19 372 €−14,8%	22 729 €+94,3%	11 696 €+229%	3 555 €−48,4%	6 889 €−58,3%	16 516 €−46,6%	30 947 €
Turnover	107 639 €−17,2%	129 937 €+4,7%	124 093 €+6,4%	116 608 €−19,3%	144 520 €−10,5%	161 553 €−12,5%	184 639 €
Profit margin	-3,1%	8,5%	7,0%	-2,9%	-6,7%	-8,9%	-2,0%

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	-	-
Liquidity
Current ratio	10,4	8,9
Quick ratio	10,1	8,4
Cash ratio	0,5	2,5
Efficiency
Days sales outstanding (dso)	229,5	212,2
Asset turnover	1,2	1,1
Structure
Debt ratio	1,0	0,9
Profitability
Operating margin	7,0%	8,2%
Net profit margin	-2,9%	-6,7%
Return on assets (roa)	-3,4%	-7,5%
Return on equity (roe)	-93,8%	-139,7%

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Licences & notices


License	FVV000058	Financial services	Valid	25.04.2013	-
License	FIP000012	Financial services	Valid	17.06.2008	-

Regulations


Ä 10076673 / 12	30.06.2026	Entry – Amendment entry	-	Entered into force30.06.2026
Ä 10076673 / 11	01.09.2023	Entry – Amendment entry	-	Entered into force01.09.2023
Ä 10076673 / 10	25.03.2022	Entry – Amendment entry under CRA § 525 (2)	-	Entered into force25.03.2022
Ä 10076673 / 9	06.10.2020	Entry – Amendment entry	-	Entered into force06.10.2020
Ä 10076673 / 8	17.07.2020	Entry – Amendment entry	-	Entered into force17.07.2020

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

No court decisions found

The company has no court decisions

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

No public transactions found

Company has no public transactions

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid

No state aid found

The company has not been granted state aid or de minimis aid

Public procurement contracts

No public procurement contracts found

The company has no public procurement contracts

.ee domains

No domains found

Company has no valid .ee domains

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.