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Creditstar Estonia AS

Legal form:

Public limited company

Registry code:

11251314

VAT no.:

EE101080686

Fiscal-year period:

01.01 - 31.12

Established:

02.05.2006 (20)

Former business names:

SMS Laen AS, SMS Laen OÜ

Capital:

3 150 000 EUR

Address:

Kai tn 4, Kesklinna linnaosa, Tallinn, Harju maakond, 10111

Status:

Registered

Contacts

Email:

Phone:

+372 6440467

Phone:

+372 6988710

Website:

www.creditstar.ee

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

VAT liability

	Start	End
EE101080686	19.09.2006

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	Due date 30.06.2026
2024	01.01.2024 - 31.12.2024	15.08.2025	Valid
2023	01.01.2023 - 31.12.2023	01.07.2024	Valid
2022	01.01.2022 - 31.12.2022	28.07.2023	Valid
2021	01.01.2021 - 31.12.2021	27.07.2022	Valid
2020	01.01.2020 - 31.12.2020	21.12.2021	Valid
2019	01.01.2019 - 31.12.2019	30.06.2020	Valid
2018	01.01.2018 - 31.12.2018	31.07.2019	Valid
2017	01.01.2017 - 31.12.2017	31.07.2018	Valid
2016	01.01.2016 - 31.12.2016	03.07.2017	Valid
2015	01.01.2015 - 31.12.2015	01.07.2016	Valid
2014	01.01.2014 - 31.12.2014	30.06.2015	Valid
2013	01.01.2013 - 31.12.2013	27.06.2014	Valid
2012	01.01.2012 - 31.12.2012	28.06.2013	Valid
2011	01.01.2011 - 31.12.2011	05.12.2012	Valid
2010	01.01.2010 - 31.12.2010	14.11.2011	Valid
2010	01.01.2010 - 31.12.2010	30.06.2011	Expired
2009	01.01.2009 - 31.12.2009	07.02.2011	Valid
2009	01.01.2009 - 31.12.2009	30.06.2010	Expired
2008	01.01.2008 - 31.12.2008	30.06.2009	Valid
2007	01.01.2007 - 31.12.2007	07.07.2008	Valid
2006	02.05.2006 - 31.12.2006	29.06.2007	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 06.06.2026.

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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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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	72 338 €	74 242 €	988 €32.0%	9
Kokku 2026:	72 338 €	74 242 €	988 €
2025 Q4	67 002 €	68 476 €	1 452 €3.0%	9
2025 Q3	67 103 €	68 610 €	1 410 €93.9%	7
2025 Q2	65 793 €	67 471 €	23 263 €35.4%	7
2025 Q1	81 397 €	83 254 €	36 008 €5.8%	7
Kokku 2025:	281 295 €	287 811 €	62 133 €48.2%
2024 Q4	65 240 €	66 958 €	34 031 €1.9%	7
2024 Q3	52 626 €	54 320 €	33 381 €12.8%	7
2024 Q2	60 727 €	62 345 €	29 595 €29.6%	7
2024 Q1	51 704 €	53 153 €	22 842 €25.9%	7
Kokku 2024:	230 297 €	236 776 €	119 849 €43.4%
2023 Q4	54 174 €	55 567 €	30 816 €13.6%	7
2023 Q3	60 093 €	62 083 €	35 656 €51.3%	9
2023 Q2	53 293 €	55 076 €	73 171 €1.3%	10
2023 Q1	75 344 €	77 034 €	72 200 €6.7%	10
Kokku 2023:	242 904 €	249 759 €	211 842 €40.0%
2022 Q4	91 068 €	93 512 €	77 363 €13.9%	14
2022 Q3	361 621 €	380 344 €	89 830 €17.1%	17
2022 Q2	400 806 €	381 666 €	108 332 €39.8%	72
2022 Q1	384 900 €	409 383 €	77 467 €13.4%	74
Kokku 2022:	1 238 395 €	1 264 905 €	352 992 €6.1%
2021 Q4	348 625 €	371 699 €	68 341 €74.1%	79
2021 Q3	370 015 €	393 163 €	264 359 €30 040 684.1%	78
2021 Q2	349 600 €	371 928 €	1 €46.7%	71
2021 Q1	352 696 €	382 887 €	1 €48.3%	69
Kokku 2021:	1 420 936 €	1 519 677 €	332 701 €414 584.1%
2020 Q4	353 184 €	375 810 €	1 €21.6%	75
2020 Q3	378 561 €	403 213 €	1 €42.9%	75
2020 Q2	132 514 €	147 825 €	3 €96.5%	92
2020 Q1	286 493 €	307 019 €	75 €13.8%	89
Kokku 2020:	1 150 752 €	1 233 868 €	80 €77.4%
2019 Q4	249 666 €	267 086 €	87 €17.9%	79
2019 Q3	254 709 €	272 615 €	106 €17.8%	92
2019 Q2	220 626 €	236 432 €	90 €25.0%	79
2019 Q1	235 907 €	252 399 €	72 €2.7%	74
Kokku 2019:	960 908 €	1 028 532 €	355 €12.6%
2018 Q4	214 679 €	229 770 €	74 €25.3%	80
2018 Q3	215 031 €	229 824 €	99 €10.0%	79
2018 Q2	199 013 €	212 974 €	110 €10.6%	76
2018 Q1	187 821 €	200 945 €	123 €0.8%	72
Kokku 2018:	816 544 €	873 513 €	406 €46.2%
2017 Q4	164 364 €	176 368 €	122 €30.7%	71
2017 Q3	154 093 €	165 092 €	176 €38.0%	67
2017 Q2	129 009 €	138 175 €	284 €64.2%	65
2017 Q1	117 024 €	125 046 €	173 €100.0%	56
Kokku 2017:	564 490 €	604 681 €	755 €100.0%
2016 Q4	103 436 €	111 014 €	2 516 072 €4.9%	51
2016 Q3	108 557 €	116 737 €	2 645 777 €12.9%	51
2016 Q2	96 089 €	103 388 €	2 343 227 €2.6%	51
2016 Q1	98 661 €	106 154 €	2 405 925 €3.1%	51
Kokku 2016:	406 743 €	437 293 €	9 911 001 €25.7%
2015 Q4	79 372 €	85 511 €	2 484 113 €20.2%	39
2015 Q3	66 269 €	71 163 €	2 067 310 €29.7%	39
2015 Q2	51 134 €	54 875 €	1 594 143 €8.2%	39
2015 Q1	56 242 €	59 808 €	1 737 434 €	39
Kokku 2015:	253 017 €	271 357 €	7 883 000 €

Revenue by industry

	2019
Other lending, excl. pawnshops	16 789 000 €

Tax debts

No tax debt found

No tax debt as of 06.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Aaro Sosaar	38503XXXXXX	05.03.1985 (41)	Board member	06.05.2008	-

3 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
Creditstar International OÜ	-	23.11.2010 (15)	Shareholder	3 150 000,00 EUR	100	Sole ownership	16.08.2023	-

32 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
Valter Kaleta	38405XXXXXX	08.05.1984 (42)	Supervisory-board member	31.01.2023	-
Silva Sosaar	45902XXXXXX	08.02.1959 (67)	Chairman of the supervisory board	25.09.2022	-
Kristjan Vahar	38507XXXXXX	03.07.1985 (40)	Supervisory-board member	25.09.2022	-
Aimar Jürimäe	35508XXXXXX	26.08.1955 (70)	Founder	02.05.2006	-
Toomas Allikas	37904XXXXXX	16.04.1979 (47)	Founder	02.05.2006	-

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

1 - 5 / 5 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Aaro Sosaar	38503XXXXXX	05.03.1985 (41)	Indirect holding	31.10.2018	-

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 Q1

Turnover

Amount

988 €

Monthly average

329 €

Per employee

37 €

Equity ratio

0,01%

Labour taxes

Turnover ratio

7 514,37%

Tax ratio

102,63%

Monthly average

24 747 €

Per employee

2 750 €

State taxes

Monthly average

24 113 €

Turnover ratio

7 321,66%

Estimated salary

Gross salary

4 871 €

Net salary

3 768 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	44 309 000 €15.8%	52 610 000 €36.9%	38 422 000 €60.8%	23 891 000 €13.1%	27 484 000 €60.5%	69 627 000 €
Non-current assets	97 327 000 €28.4%	75 791 000 €6.7%	71 027 000 €19.2%	59 586 000 €8.5%	54 898 000 €5 123.4%	1 051 000 €
Total assets	141 636 000 €10.3%	128 401 000 €17.3%	109 449 000 €31.1%	83 477 000 €1.3%	82 382 000 €16.6%	70 678 000 €
Short-term liabilities	101 684 000 €18.8%	85 558 000 €28.3%	66 665 000 €45.1%	45 941 000 €16.3%	54 913 000 €14.4%	48 008 000 €
Long-term liabilities	-	-	-	-	-	-
Total liabilities	101 684 000 €18.8%	85 558 000 €28.3%	66 665 000 €45.1%	45 941 000 €16.3%	54 913 000 €14.4%	48 008 000 €
Share or stock capital	3 150 000 €	3 150 000 €	3 150 000 €	3 150 000 €	3 150 000 €	3 150 000 €
Retained earnings	38 801 000 €2.1%	39 634 000 €15.3%	34 387 000 €18.4%	29 044 000 €47.0%	19 755 000 €35.4%	14 594 000 €
Net profit	-1 999 000 €3 488.1%	59 000 €98.9%	5 247 000 €1.8%	5 342 000 €17.0%	4 564 000 €7.3%	4 926 000 €
Equity	39 952 000 €6.7%	42 843 000 €0.1%	42 784 000 €14.0%	37 536 000 €36.6%	27 469 000 €21.2%	22 670 000 €
Turnover	-	-	-	-	-	16 789 000 €
Profit margin	0.00%	0.00%	0.00%	0.00%	0.00%	29.34%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	H.S	X.L	V.N	0.5	0.5
Quick ratio	E.P	W.P	A.J	0.5	0.5
Cash ratio	D.D	R.G	T.J	0.0	0.0
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	J.W	W.U	Q.X	0.6	0.7
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	Q.H%	H.O%	Q.N%	0.0%	0.0%
Return on equity (roe)	J.Y%	R.Z%	D.I%	0.0%	0.0%

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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 10098138 / M11	12.07.2025	Fine-warning order – annual report not filed	14.08.2025	Deficiencies remedied (16.08.2025)
Ä 10098138 / 20	04.05.2023	Entry - Amendment entry under NSPA § 595¹ (1)		Entered into force (04.05.2023)
Ä 10098138 / M10	06.02.2023	Order to remedy deficiencies for correcting extra-entry data - Amendment entry	26.02.2023	Deficiencies remedied (20.02.2023)
Ä 10098138 / 19	17.01.2018	Entry - Amendment entry		Entered into force (17.01.2018)
Ä 10098138 / 18	30.11.2017	Entry - Amendment entry		Entered into force (30.11.2017)

1 - 5 / 33 rows

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions

Document no.	Composition	Decision	Date
	-	Against the consumer	22.06.2017
	-	Against the consumer	22.06.2017

1 - 2 / 2 rows

Court decisions

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date	Participants
2-22-19025/81						01.04.2026
2-20-1060/157						23.03.2026
2-22-16129/92						23.03.2026
2-22-15540/17						03.03.2026
2-19-3592/100						27.02.2026

1 - 5 / 231 rows

Official announcements

Subject	Date
Notice of auction of immovable property in enforcement proceedings	16.02.2026
Notices of commercial and non-profit associations and foundations	09.03.2009

1 - 2 / 2 rows

Public transactions

Date	Party	Amount	Classification
05.07.2021	Eesti Töötukassa	222.72 € Received	OTHER GRANTS Social protection of the unemployed
08.06.2021	Eesti Töötukassa	334.08 € Received	OTHER GRANTS Social protection of the unemployed
07.05.2021	Eesti Töötukassa	535.92 € Received	OTHER GRANTS Social protection of the unemployed
07.04.2021	Eesti Töötukassa	222.72 € Received	OTHER GRANTS Social protection of the unemployed

1 - 4 / 4 rows

.ee domains

Domain	Status	Registered	Expires	End
monefit.ee	Active	06.01.2017	07.01.2028	-
smslaen.ee	Active	04.07.2010	10.12.2026	-

1 - 2 / 2 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