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Luminor Bank AS

Legal form:

Public limited company

Registry code:

11315936

VAT no.:

EE101097527

Fiscal-year period:

01.01 - 31.12

Established:

16.11.2006 (19)

Former business names:

Aktsiaselts DNB Pank, AS DNB Liising, AS DnB NORD Liising

Capital:

34 912 230 EUR

Address:

Liivalaia tn 45, Kesklinna linnaosa, Tallinn, Harju maakond, 10145

Status:

Registered

E-arvete vastuvõtmine:

Arvekeskus

Contacts

Email:

info@luminor.ee

Phone:

+372 6283300

Website:

www.luminor.ee

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Provision of financial services, except insurance and pension funds
Monetary intermediation
Other monetary intermediation
64191 - Credit institutions

VAT liability

	Start	End
EE101097527	01.10.2017
EE101097527	20.11.2006	30.09.2017

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	18.05.2026	Valid
2024	01.01.2024 - 31.12.2024	29.05.2025	Valid
2023	01.01.2023 - 31.12.2023	05.06.2024	Valid
2022	01.01.2022 - 31.12.2022	18.05.2023	Valid
2021	01.01.2021 - 31.12.2021	22.04.2022	Valid
2021	01.01.2021 - 31.12.2021	22.04.2022	Expired
2020	01.01.2020 - 31.12.2020	30.04.2021	Valid
2019	01.01.2019 - 31.12.2019	17.04.2020	Valid
2018	01.01.2018 - 31.12.2018	05.11.2019	Valid
2017	01.01.2017 - 31.12.2017	12.09.2018	Valid
2016	01.01.2016 - 31.12.2016	27.04.2017	Valid
2015	01.01.2015 - 31.12.2015	23.05.2016	Valid
2014	01.01.2014 - 31.12.2014	23.04.2015	Valid
2013	01.01.2013 - 31.12.2013	11.03.2014	Valid
2012	01.01.2012 - 31.12.2012	03.05.2013	Valid
2011	01.01.2011 - 31.12.2011	07.02.2012	Valid
2010	01.01.2010 - 31.12.2010	14.07.2011	Valid
2009	01.01.2009 - 31.12.2009	07.09.2010	Valid
2008	01.01.2008 - 31.12.2008	02.07.2009	Valid
2007	16.11.2006 - 31.12.2007	09.10.2008	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 21.07.2026.

???

Credit rating

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020406080100

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596

Court decisions

230

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3.4K

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q2	6 584 435 €	7 038 752 €	91 248 336 €22.8%	655
2026 Q1	5 226 240 €	4 881 865 €	74 333 090 €14.4%	625
Kokku 2026:	11 810 675 €	11 920 617 €	165 581 426 €
2025 Q4	5 315 790 €	4 809 139 €	86 800 377 €2.3%	619
2025 Q3	5 419 481 €	4 637 095 €	88 824 670 €7.3%	604
2025 Q2	6 205 206 €	6 186 737 €	82 803 738 €9.3%	577
2025 Q1	5 623 337 €	4 712 620 €	75 745 125 €23.0%	558
Kokku 2025:	22 563 814 €	20 345 591 €	334 173 910 €14.5%
2024 Q4	4 693 507 €	3 866 325 €	98 318 187 €0.3%	533
2024 Q3	5 032 027 €	3 935 814 €	98 042 456 €9.7%	529
2024 Q2	6 929 163 €	5 322 467 €	89 387 398 €14.8%	523
2024 Q1	6 943 864 €	3 625 151 €	104 877 509 €4.5%	523
Kokku 2024:	23 598 561 €	16 749 757 €	390 625 550 €12.0%
2023 Q4	6 498 127 €	3 591 434 €	109 819 691 €6.7%	524
2023 Q3	5 877 711 €	3 171 898 €	117 753 857 €3.6%	528
2023 Q2	6 496 622 €	4 363 315 €	122 135 699 €29.9%	520
2023 Q1	6 531 753 €	2 853 301 €	94 026 887 €1.6%	505
Kokku 2023:	25 404 214 €	13 979 949 €	443 736 134 €18.6%
2022 Q4	4 998 472 €	2 780 238 €	92 562 949 €9.6%	507
2022 Q3	3 267 110 €	2 754 885 €	102 437 185 €12.1%	518
2022 Q2	4 268 547 €	3 783 477 €	91 397 246 €4.0%	526
2022 Q1	4 316 344 €	2 638 171 €	87 869 769 €8.7%	530
Kokku 2022:	16 850 473 €	11 956 772 €	374 267 149 €13.0%
2021 Q4	4 303 384 €	2 936 113 €	96 234 994 €16.9%	528
2021 Q3	3 897 373 €	3 287 634 €	115 873 206 €12.1%	556
2021 Q2	4 188 506 €	3 010 716 €	131 816 559 €53.0%	586
2021 Q1	5 892 807 €	3 128 547 €	86 164 671 €7.1%	564
Kokku 2021:	18 282 069 €	12 363 010 €	430 089 429 €27.4%
2020 Q4	6 658 895 €	2 942 784 €	92 703 446 €18.9%	583
2020 Q3	5 908 862 €	3 124 016 €	77 993 036 €6.3%	550
2020 Q2	7 703 780 €	3 784 345 €	83 210 136 €0.5%	562
2020 Q1	6 473 736 €	2 965 818 €	83 612 826 €6.7%	565
Kokku 2020:	26 745 273 €	12 816 963 €	337 519 444 €2.6%
2019 Q4	6 640 658 €	2 813 810 €	78 340 914 €1.9%	553
2019 Q3	5 794 225 €	2 768 821 €	79 897 116 €5.3%	603
2019 Q2	7 597 080 €	3 999 507 €	84 408 630 €2.1%	563
2019 Q1	5 648 485 €	2 964 013 €	86 197 683 €11.4%	578
Kokku 2019:	25 680 448 €	12 546 151 €	328 844 343 €22.0%
2018 Q4	4 336 598 €	3 447 836 €	97 318 720 €19.9%	614
2018 Q3	3 022 916 €	2 710 519 €	121 499 433 €11.1%	625
2018 Q2	2 461 859 €	2 593 114 €	109 344 558 €17.1%	611
2018 Q1	2 665 396 €	2 549 583 €	93 398 760 €16.8%	583
Kokku 2018:	12 486 769 €	11 301 052 €	421 561 471 €150.6%
2017 Q4	1 676 064 €	1 783 986 €	79 954 160 €194.4%	568
2017 Q3	1 805 194 €	439 381 €	27 155 624 €17.5%	564
2017 Q2	462 501 €	471 701 €	32 929 585 €16.8%	100
2017 Q1	589 369 €	401 559 €	28 202 411 €927.7%	97
Kokku 2017:	4 533 128 €	3 096 627 €	168 241 780 €1 366.9%
2016 Q4	559 150 €	368 108 €	2 744 252 €0.5%	112
2016 Q3	441 691 €	366 321 €	2 730 930 €12.0%	112
2016 Q2	429 525 €	416 157 €	3 102 464 €7.3%	112
2016 Q1	434 551 €	387 840 €	2 891 354 €14.6%	112
Kokku 2016:	1 864 917 €	1 538 426 €	11 469 000 €7.2%
2015 Q4	382 376 €	386 196 €	2 522 934 €12.6%	94
2015 Q3	423 052 €	441 971 €	2 887 299 €48.0%	94
2015 Q2	844 304 €	850 186 €	5 554 083 €298.5%	94
2015 Q1	258 233 €	213 337 €	1 393 684 €	94
Kokku 2015:	1 907 965 €	1 891 690 €	12 358 000 €

Revenue by industry

	2023	2024	2025
Credit institutions (banks)	812 124 992 €	875 699 968 €	684 400 000 €

Tax debts

No tax debt found

No tax debt as of 21.07.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Jonna Pechter	48311XXXXXX	21.11.1983 (42)	Board member	09.07.2025	-
Tanel Rebane	38509XXXXXX	29.09.1985 (40)	Board member	09.07.2025	-
Jonas Urbonas	-	24.06.1976 (50)	Board member	27.03.2025	-
Enkelejd Zotaj	-	15.03.1982 (44)	Board member	22.11.2024	-
Johannes Proksch	36911XXXXXX	15.11.1969 (56)	Board member	22.11.2024	-

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

1 - 5 / 9 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
Luminor Holding AS	14723XXX	14.05.2019 (7)	Shareholder	34 912 230,00 EUR	100	Sole ownership	16.08.2023	-

10 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
Petra Constance Van Hoeken	-	28.04.1961 (65)	Supervisory-board member	01.04.2026	-
Hans-Karl Alfred Friedrich von Rohr	-	16.10.1965 (60)	Chairman of the supervisory board	01.01.2026	-
Peter Alexander Kleinschmidt	-	19.02.1966 (60)	Supervisory-board member	18.11.2025	-
Mathias Patrick Laurent Favetto	-	20.04.1988 (38)	Supervisory-board member	26.08.2025	-
Maria Elena Cappello	-	24.07.1968 (57)	Supervisory-board member	01.07.2025	-

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

1 - 5 / 12 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Stephen A. Schwarzman	-	14.02.1947 (79)	Member of higher governing body (board or supervisory board)	31.10.2019	-

1 - 1 / 1 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
Maksekeskus AS	17.04.2012	Shareholder	631 089,00 EUR	100	Sole ownership	06.06.2025	-
Luminor Liising AS	15.08.1997	Shareholder	3 834 000,00 EUR	100	Sole ownership	16.08.2023	-
Luminor Pensions Estonia AS	13.02.2008	Shareholder	3 000 000,00 EUR	100	Sole ownership	16.08.2023	-

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

1 - 3 / 3 rows

2026 Q2

Turnover

Amount

91 248 336 €

Monthly average

30 416 112 €

Per employee

46 437 €

Equity ratio

87,12%

Labour taxes

Turnover ratio

7,71%

Tax ratio

106,90%

Monthly average

2 346 251 €

Per employee

3 666 €

State taxes

Monthly average

2 194 812 €

Turnover ratio

7,22%

Estimated salary

Gross salary

6 414 €

Net salary

4 916 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	-	-	15 256 699 904 €5.2%	14 508 600 320 €11.0%	13 069 800 448 €10.9%	14 663 122 944 €	-
Non-current assets	-	-	346 300 000 €0.7%	348 900 000 €5.5%	330 700 000 €12.1%	376 120 992 €	-
Total assets	15 951 099 904 €0.8%	15 817 900 032 €1.4%	15 603 000 320 €5.0%	14 857 499 648 €10.9%	13 400 500 224 €10.9%	15 039 244 288 €9.3%	13 758 141 440 €
Short-term liabilities	-	-	-	-	-	-	-
Long-term liabilities	-	-	-	-	-	-	-
Total liabilities	-	-	-	-	-	-	-
Share or stock capital	-	-	34 900 000 €	34 900 000 €97.6%	1 447 100 032 €4 045.0%	34 912 000 €	-
Retained earnings	-	-	1 499 899 936 €8.5%	1 382 999 968 €17 861.2%	7 699 936 €99.5%	1 550 611 968 €	-
Net profit	-	-	189 400 000 €61.9%	117 000 000 €119.5%	53 300 000 €11.6%	60 272 000 €	-
Equity	-	-	1 724 199 936 €12.3%	1 534 899 968 €1.8%	1 508 099 968 €8.4%	1 645 795 968 €	-
Turnover	684 400 000 €21.8%	875 699 968 €7.8%	812 124 992 €108.0%	390 512 992 €19.7%	326 176 992 €2.3%	333 739 008 €8.0%	362 790 016 €
Profit margin	0.00%	0.00%	23.32%22.2%	29.96%83.3%	16.34%9.5%	18.06%	0.00%

Financial ratios

	2025	2024	2023	2022	2021
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	-	-	-	-	-
Quick ratio	-	-	-	-	-
Cash ratio	-	-	-	-	-
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	L.Q	Q.A	Q.U	0.9	0.9
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	P.I%	F.Z%	G.S%	0.0%	0.0%
Return on equity (roe)	C.N%	N.Z%	W.K%	0.0%	0.0%

To view all financial ratios, you need to subscribe to extended access to the info portal!

Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 10103847 / 59	09.07.2025	Entry - Amendment entry		Entered into force (09.07.2025)
Ä 10103847 / 58	27.03.2025	Entry - Amendment entry		Entered into force (27.03.2025)
Ä 10103847 / M23	25.03.2025	Directive order - Amendment entry	04.04.2025	Deficiencies remedied (27.03.2025)
Ä 10103847 / 56	22.11.2024	Entry - Amendment entry		Entered into force (22.11.2024)
Ä 10103847 / 57	22.11.2024	Entry - Amendment entry		Entered into force (22.11.2024)

1 - 5 / 82 rows

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions

Document no.	Composition	Decision	Date
19-1/25-09858-001	Alar Urm	Against the consumer	06.11.2025
19-006745-022	-	In favour of the consumer	30.12.2019
19-005059-025	-	In favour of the consumer	02.10.2019
19-001290-012	-	Against the consumer	05.06.2019
19-000990-009	-	Against the consumer	05.06.2019

1 - 5 / 7 rows

Court decisions

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date	Participants
2-17-7483/168						03.03.2026
2-25-12339/15						18.02.2026
2-26-1770/4						12.02.2026
2-24-6172/61						10.02.2026
2-25-10904/6						27.01.2026

1 - 5 / 596 rows

Official announcements

Subject	Date
Notice of auction of immovable property in enforcement proceedings	13.07.2026
Notice of auction of immovable property in enforcement proceedings	01.07.2026
Notice of auction of immovable property in enforcement proceedings	25.06.2026
Notice of auction of immovable property in enforcement proceedings	25.06.2026
Notice of auction of immovable property in enforcement proceedings	19.06.2026

1 - 5 / 230 rows

Public transactions

Date	Party	Amount	Classification
25.06.2026	Saku Vallavalitsus	40 632.44 € Received	SHORT-TERM LIABILITIES Municipal government
25.06.2026	Saku Vallavalitsus	12 744.12 € Received	FINANCIAL INCOME AND EXPENSES Servicing of government-sector debt
22.06.2026	Võru Linnavalitsus	6 430.92 € Received	FINANCIAL INCOME AND EXPENSES Servicing of government-sector debt
22.06.2026	Võru Linnavalitsus	37 250.00 € Received	SHORT-TERM LIABILITIES Municipal government
22.06.2026	Paide Linnavalitsus	18 525.00 € Received	SHORT-TERM LIABILITIES Servicing of government-sector debt

Luminor Bank AS

Contacts

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Credit rating

Hidden

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Revenue by industry

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Representatives

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Ultimate beneficial owners

Holdings in companies

Holdings in companies

Aggregate data

Financial ratios

Licences & notices

No licenses and notices found

Regulations

Regulations

Real estate

No real estate found

Consumer Disputes Committee decisions

Consumer Disputes Committee decisions

Court decisions

Court decisions

Official announcements

Official announcements

Public transactions

Public transactions

.ee domains

No domains found

Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found