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IPF Digital AS

Legal form:
Public limited company
Registry code:
11034137
VAT no.:
EE101155566
Fiscal-year period:
01.01 - 31.12
Established:
30.04.2004 (22 y)
Former business names:
IPF Digital Estonia AS, IPF Digital Estonia OÜ, MCB Finance Estonia OÜ, Mobile Credit Baltic OÜ, Mobile Credit Estonia OÜ, Osaühing Jacob Group, Osaühing Mobile Credit Nordic
Capital:
50 000 EUR
Address:
Sepapaja tn 4, Lasnamäe linnaosa, Tallinn, Harju maakond, 11415
Status:
Registered
LEI code:
984500650D127F436942
E-invoice reception:
Unifiedpost

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Contacts

Phone:
+372 6143400
Email:
general@ipfdigital.com
Website:
https://www.credit24.ee

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Industries

  • PROFESSIONAL, SCIENTIFIC AND TECHNICAL ACTIVITIES
  • Activities of head offices and management consultancy activities
  • 70201 – Business and other management consultancy
Industry TOPNo. 1 of 4881 companies

Main activity 70201 · turnover over the last 4 quarters

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VAT liability

VAT no.StartEnd
EE10115556625.06.2007-
EE10115556601.12.200424.06.2007

Annual reports

YearPeriodSubmittedStatus
202501.01.2025 – 31.12.202522.06.2026ValidPDF
202401.01.2024 – 31.12.202430.06.2025ValidPDF
202301.01.2023 – 31.12.202328.06.2024ValidPDF

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 25.10.2026.

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Tax data

PeriodState taxesLabour taxesTaxable turnoverEmployees
2026 Q3831 952 €761 214 €16,4 M €−9,7%123
2026 Q21,04 M €948 991 €18,2 M €+8,3%124
2026 Q1686 622 €646 358 €16,8 M €+4,4%122
Total 2026:2,56 M €2,36 M €51,4 M €
2025 Q4717 847 €693 807 €16,1 M €−0,3%125
2025 Q3735 582 €655 865 €16,1 M €−0,7%130
2025 Q2789 903 €811 209 €16,2 M €+6,3%115

Revenue by industry

202320242025
Business and other management consultancy32 094 508 €34 101 628 €
Other lending12 740 918 €14 589 421 €15 595 153 €
Business consultancy and other management advice30 927 418 €

Tax debts

No tax debt found

No tax debt as of 25.10.2026

Representatives

Personal ID code
Iwona Gruchacz77052XXXXXX-Board member17.04.2025-
Piotr Mariusz Bubak73010XXXXXX-Board member17.04.2025-
Kristi Saaremets-Ojala48512XXXXXX09.12.1985 (40)Board member27.01.2025-
Latvian Central Depository40003XXXXXX-Share-register keeper13.07.2020-
Hiie Ormisson47911XXXXXX07.11.1979 (46)Board member13.07.2020-

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1 – 5 / 6 rows

Holdings in companies

Digital Insurance OÜ20.12.2023Shareholder5 001 EUR100,00%Sole ownership15.05.2024-

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1 – 1 / 1 rows
2026 Q3

Turnover

Amount
16 430 863 €
Monthly average
5 476 954 €
Per employee
44 528 €
Equity ratio
10 953,91%

Labour taxes

Turnover ratio
4,63%
Tax ratio
91,50%
Monthly average
253 738 €
Per employee
2 055 €

State taxes

Monthly average
277 317 €
Turnover ratio
5,06%

Estimated salary

Gross salary
3 697 €
Net salary
2 934 €

Aggregate data

20252024202320222021
Current assets34 981 072 €+273%9 380 537 €−65,0%26 790 624 €+24,9%21 457 316 €−76,7%91 957 520 €+213%
Non-current assets134 369 600 €+157%52 275 792 €−52,1%109 134 344 €+124%48 618 352 €+26,9%38 326 392 €−27,8%
Total assets169 350 672 €+175%61 656 328 €−56,4%141 557 376 €+9,9%128 809 816 €−1,1%130 283 912 €+58,0%
Short-term liabilities15 071 599 €−54,7%33 276 616 €+425%6 335 762 €−16,3%7 565 227 €−17,7%9 197 323 €−31,3%
Long-term liabilities33 200 000 €−64,3%92 900 000 €---
Total liabilities48 271 599 €−61,7%126 176 616 €+1 891%6 335 762 €−16,3%7 565 227 €−17,7%9 197 323 €−31,3%

Financial ratios

20252024202320222021
Profit and cash flow
EBITDA--
Liquidity
Current ratio2,82,7
Quick ratio2,82,7

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations

Ä 10079503 / 4115.10.2026Entry – Amendment entry-Entered into force15.10.2026
Ä 10079503 / M2001.10.2026Order to remedy deficiencies – Amendment entry-Signed01.10.2026
Ä 10079503 / M1914.04.2026Directive order29.04.2026Entered into force14.04.2026
Ä 10079503 / M1824.03.2026Directive order03.04.2026Entered into force24.03.2026
Ä 10079503 / 4005.12.2025Entry – Amendment entry-Entered into force05.12.2025
1 – 5 / 61 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

2-26-3588/30Kohtu I astme menetlusCourt ruling308760868Anu TaluECLI:EE:PMK:2026:2.26.3588.1598829.09.2026Open
2-26-3588/18Kohtu I astme menetlusCourt ruling308760868Anu TaluECLI:EE:PMK:2026:2.26.3588.1598728.09.2026Open
2-25-14863/13Kohtu I astme menetlusCourt ruling308760868Zakaria NemsitsveridzeECLI:EE:TMK:2026:2.25.14863.1470008.09.2026Open
2-19-8209/102Kohtu I astme menetlusCourt rulingDebt restructuring proceedingsMaimu LaumetsECLI:EE:TMK:2026:2.19.8209.1443403.09.2026Open
2-19-19083/53Kohtu I astme menetlusCourt rulingBankruptcy lawNele SepingECLI:EE:PMK:2026:2.19.19083.1386225.08.2026Open
1 – 5 / 504 rows

Official announcements

Notice of termination of bankruptcy proceedings03.02.2026PDF
Notice of approval of the list of creditors21.07.2025PDF
Notice of approval of the list of creditors20.05.2025PDF
Notice of approval of the list of creditors25.04.2025PDF
Notice of approval of the list of creditors04.04.2024PDF
1 – 5 / 8 rows

Public transactions

24.09.2025Eesti Töötukassa2 845,62 €ReceivedOPERATING EXPENSESSocial protection of the unemployed
24.09.2025Eesti Töötukassa2 282,10 €ReceivedOPERATING EXPENSESSocial protection of the unemployed
06.03.2024Saue Vallavalitsus3 707,74 €ReceivedOTHER OPERATING EXPENSESGeneral transfers within the government sector
03.11.2022Eesti Töötukassa1 194,64 €ReceivedOPERATING EXPENSESSocial protection of the unemployed
06.05.2022Pärnu Linnavalitsus2 540,12 €ReceivedOPERATING EXPENSESOther housing and municipal-services activities
1 – 5 / 5 rows

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid

17.01.2025Eesti TöötukassaAid measure 231580Koolitus VTA › Koolitus VTAGrant2 845,62 €231580/2503884
17.01.2025Eesti TöötukassaAid measure 231580Koolitus VTA › Koolitus VTAGrant2 282,10 €231580/2503885
03.11.2021Eesti TöötukassaAid measure 20985Koolitus VTA › Koolitus VTAGrant1 194,64 €20985/2202732
1 – 3 / 3 rows

Public procurement contracts

No public procurement contracts found

The company has no public procurement contracts

.ee domains

ipfd.eeExpired11.10.201812.10.2026
greditea.eeActive16.02.201817.02.2027
kreditea.eeActive15.02.201816.02.2027
creditea.eeActive15.02.201816.02.2027
ipfdigital.eeActive10.06.201511.06.2027
1 – 5 / 13 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

Data comes from public registers.

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