OPTIMA KREDIT OÜ

Legal form:: Private limited company
Registry code:: 11092198
VAT no.:: -
Fiscal-year period:: 01.01 - 31.12
Established:: 15.12.2004 (21 y)
Capital:: 246 000 EUR
Address:: Tuukri tn 11, Kesklinna linnaosa, Tallinn, Harju maakond, 10120
Status:: Registered

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Contacts

Phone:: +372 6506315
Email:: info@kaks.ee

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Industries

FINANCIAL AND INSURANCE ACTIVITIES
Provision of financial services, except insurance and pension funds
Provision of other financial services, except insurance and pension funding
Other lending
64929 – Other lending, excl. pawnshops

Industry TOP17 companies in the activity

1.ESTO Holdings OÜ2.5M €
2.Primero Finance OÜ1.3M €
3.PLACET GROUP OÜ1M €
4.ESTO AS979k €
5.BB Finance OÜ341.4k €
6.OÜ SME Capital 3 Estonia336.1k €
7.Engeros Finance OÜ262.8k €
8.OÜ Polar Finance240.2k €
9.Helto Grupp OÜ146.1k €
10.HypoCredit OÜ84.1k €

Main activity 64929 · turnover over the last 4 quarters

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VAT liability

No VAT obligation history found

Company has not been issued any VAT ID number

Annual reports

Aggregate data

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	02.10.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	26.07.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	01.07.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	15.08.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	09.09.2022	Valid	PDF
2020	01.01.2020 – 31.12.2020	01.09.2021	Valid	PDF
2019	01.01.2019 – 31.12.2019	31.08.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	01.09.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	01.10.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	28.09.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	29.09.2016	Valid	PDF
2014	01.01.2014 – 31.12.2014	30.09.2015	Valid	PDF
2013	01.01.2013 – 31.12.2013	15.04.2015	Valid	PDF
2013	01.01.2013 – 31.12.2013	20.01.2015	Expired	PDF
2012	01.01.2012 – 31.12.2012	24.01.2014	Valid	PDF
2011	01.01.2011 – 31.12.2011	10.09.2012	Valid	PDF
2010	01.01.2010 – 31.12.2010	31.05.2012	Valid	PDF
2009	01.01.2009 – 31.12.2009	03.11.2010	Valid	PDF
2008	01.01.2008 – 31.12.2008	26.06.2009	Valid	PDF
2007	01.01.2007 – 31.12.2007	27.06.2008	Valid	PDF
2006	01.01.2006 – 31.12.2006	04.06.2007	Valid	PDF
2005	23.11.2004 – 31.12.2005	30.06.2006	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 announcements7 TTJA decisions–Real estate–.ee domains–Licenses1 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
2020 Q1	0 €	0 €	0 €	0
Total 2020:	0 €	0 €	0 €
2019 Q4	0 €	0 €	0 €	0
2019 Q3	0 €	0 €	0 €	0
2019 Q2	0 €	0 €	0 €	0
2019 Q1	0 €	0 €	0 €	0
Total 2019:	0 €	0 €	0 €
2018 Q4	0 €	0 €	0 €	0
2018 Q3	0 €	0 €	0 €	0
2018 Q2	0 €	0 €	0 €	0
2018 Q1	0 €	0 €	0 €	0
Total 2018:	0 €	0 €	0 €
2017 Q4	0 €	0 €	0 €	0
2017 Q3	0 €	0 €	0 €	0
2017 Q2	0 €	0 €	0 €	0
2017 Q1	0 €	0 €	0 €	0
Total 2017:	0 €	0 €	0 €
2016 Q4	0 €	0 €	0 €	0
2016 Q3	0 €	0 €	0 €	0
2016 Q2	0 €	0 €	0 €	0
2016 Q1	0 €	0 €	0 €	0
Total 2016:	0 €	0 €	0 €
2015 Q4	0 €	0 €	0 €	0
2015 Q3	0 €	0 €	0 €	0
2015 Q2	0 €	0 €	0 €	0
2015 Q1	0 €	0 €	0 €	0
Total 2015:	0 €	0 €	0 €

Revenue by industry

	2023	2024	2025
Other lending, excl. pawnshops	9 870 €	7 208 €	4 173 €

Tax debts

No tax debt found

No tax debt as of 21.10.2026

Representatives

	Personal ID code
Sven Soomuste	37508XXXXXX	02.08.1975 (51)	Board member	10.07.2012	-

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Shareholders

	Personal ID code
Omax Kapital OÜ	11042993	31.05.2004 (22)	Shareholder	246 000 EUR	100,00%	Sole ownership	19.06.2024	-

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Other persons

	Personal ID code
Osaühing BESTOK KINNISVARA	10941873	22.04.2003 (23)	Founder	15.12.2004	-

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Ultimate beneficial owners

	Personal ID code
Sven Soomuste	37508XXXXXX	02.08.1975 (51)	Indirect holding	20.02.2020	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

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2020 Q1

Turnover

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

Labour taxes

Turnover ratio: -
Tax ratio: -
Monthly average: 0 €
Per employee: -

State taxes

Monthly average: 0 €
Turnover ratio: -

Estimated salary

Gross salary: -
Net salary: -

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	208 862 €+9,0%	191 673 €+6,9%	179 314 €−6,0%	190 753 €+13,2%	168 558 €+44,0%	117 061 €+37,7%	85 011 €
Non-current assets	61 059 €−19,8%	76 105 €−6,3%	81 261 €−0,5%	81 674 €+4,3%	78 324 €−30,1%	112 121 €−4,1%	116 919 €
Total assets	269 921 €+0,8%	267 778 €+2,8%	260 575 €−4,4%	272 427 €+10,3%	246 882 €+7,7%	229 182 €+13,5%	201 930 €
Short-term liabilities	-	-	-	2 885 €	2 884 €	2 884 €−90,0%	28 936 €
Long-term liabilities	-	-	-	-	-	-	-
Total liabilities	-	-	-	2 885 €	2 884 €	2 884 €−90,0%	28 936 €
Share or stock capital	-	-	-	-	-	-	-
Retained earnings	-4 426 €+61,9%	-11 628 €−337%	-2 662 €+90,6%	-28 206 €+38,6%	-45 906 €+53,7%	-99 210 €+7,6%	-107 397 €
Net profit	2 143 €−70,2%	7 202 €+180%	-8 967 €−135%	25 544 €+44,3%	17 700 €−66,8%	53 304 €+551%	8 187 €
Equity	269 921 €+0,8%	267 778 €+2,8%	260 575 €−3,3%	269 542 €+10,5%	243 998 €+7,8%	226 298 €+30,8%	172 994 €
Turnover	4 173 €−42,1%	7 208 €−27,0%	9 870 €−45,5%	18 105 €+4,7%	17 288 €−67,6%	53 310 €+127%	23 497 €
Profit margin	51,4%	99,9%	-90,9%	141,1%	102,4%	100,0%	34,8%

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	-	-
Liquidity
Current ratio	66,1	58,4
Quick ratio	66,1	58,4
Cash ratio	0,4	4,4
Efficiency
Days sales outstanding (dso)	3 480,1	2 877,8
Asset turnover	0,1	0,1
Structure
Debt ratio	0,0	0,0
Profitability
Operating margin	141,1%	102,4%
Net profit margin	141,1%	102,4%
Return on assets (roa)	9,8%	7,4%
Return on equity (roe)	9,5%	7,3%

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Licences & notices


License	FFA000153	Financial services	Valid	19.01.2015	-

Regulations


Ä 10084562 / M4	30.08.2026	Fine-warning order – annual report not filed	30.09.2026	Deficiencies remedied03.10.2026
Ä 10084562 / 15	19.06.2024	Entry – Amendment entry	-	Entered into force19.06.2024
Ä 10084562 / 14	01.09.2023	Entry – Amendment entry	-	Entered into force01.09.2023
Ä 10084562 / 13	17.01.2018	Entry – Amendment entry	-	Entered into force17.01.2018
Ä 10084562 / 12	08.11.2017	Entry – Amendment entry	-	Entered into force08.11.2017

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


Notice of auction of immovable property in enforcement proceedings	04.01.2023	PDF
Notice of auction of immovable property in enforcement proceedings	22.11.2022	PDF
Notice of auction of immovable property in enforcement proceedings	18.11.2022	PDF
Notice of auction of immovable property in enforcement proceedings	25.08.2022	PDF
Notice of auction of immovable property in enforcement proceedings	12.07.2022	PDF

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.