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 y)
Former business names:: AS DNB Liising, AS DnB NORD Liising, Aktsiaselts DNB Pank
Capital:: 34 912 230 EUR
Address:: Liivalaia tn 45, Kesklinna linnaosa, Tallinn, Harju maakond, 10145
Status:: Registered
LEI code:: 213800JD2L89GGG7LF07
E-invoice reception:: Arvekeskus

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Contacts

Phone:: +372 6283300
Website:: www.luminor.ee

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Industries

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

Industry TOPNo. 2 of 9 companies

1.AS SEB Pank361.8M €
2.Luminor Bank AS345.4M €
3.AS LHV Pank103.8M €
4.Coop Pank AS76.5M €
5.Holm Bank AS11.6M €
6.Bigbank AS11M €
7.AS Inbank5.5M €
8.Osaühing P.Õ.M.M.2.1k €
9.MM BitInvest OÜ1.3k €

Main activity 64191 · turnover over the last 4 quarters

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VAT liability

VAT no.	Start	End
EE101097527	01.10.2017	-
EE101097527	20.11.2006	30.09.2017

Annual reports

Aggregate data

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

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No unsubmitted declarations as of 19.10.2026.

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Tax debt Reports Declarations Court decisions605 Official announcements251 TTJA decisions7 Real estate–.ee domains–Licenses1 Regulations85 Public transactions3525 Grants–State aid4 Public procurement114 Holdings in companies3 Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	4,80 M €	5,47 M €	93,5 M €+2,8%	689
2026 Q2	6,58 M €	7,04 M €	91,0 M €+22,7%	655
2026 Q1	5,23 M €	4,88 M €	74,2 M €−14,6%	625
Total 2026:	16,6 M €	17,4 M €	258,6 M €
2025 Q4	5,32 M €	4,81 M €	86,8 M €−2,3%	619
2025 Q3	5,42 M €	4,64 M €	88,8 M €+7,3%	604
2025 Q2	6,21 M €	6,19 M €	82,8 M €+9,3%	577
2025 Q1	5,62 M €	4,71 M €	75,7 M €−23,0%	558
Total 2025:	22,6 M €	20,3 M €	334,2 M €
2024 Q4	4,69 M €	3,87 M €	98,3 M €+0,3%	552
2024 Q3	5,03 M €	3,94 M €	98,0 M €+9,7%	547
2024 Q2	6,93 M €	5,32 M €	89,4 M €−14,8%	541
2024 Q1	6,94 M €	3,63 M €	104,9 M €−4,8%	541
Total 2024:	23,6 M €	16,7 M €	390,6 M €
2023 Q4	6,50 M €	3,59 M €	110,2 M €−6,3%	541
2023 Q3	5,88 M €	3,17 M €	117,6 M €−1,7%	545
2023 Q2	6,50 M €	4,36 M €	119,6 M €+30,9%	536
2023 Q1	6,53 M €	2,85 M €	91,3 M €−0,9%	525
Total 2023:	25,4 M €	14,0 M €	438,7 M €
2022 Q4	5,00 M €	2,78 M €	92,1 M €−9,3%	523
2022 Q3	3,27 M €	2,75 M €	101,6 M €+11,8%	534
2022 Q2	4,27 M €	3,78 M €	90,9 M €+5,8%	538
2022 Q1	4,32 M €	2,64 M €	85,9 M €−10,8%	540
Total 2022:	16,9 M €	12,0 M €	370,5 M €
2021 Q4	4,30 M €	2,94 M €	96,2 M €−16,9%	528
2021 Q3	3,90 M €	3,29 M €	115,9 M €−12,1%	556
2021 Q2	4,19 M €	3,01 M €	131,8 M €+53,0%	586
2021 Q1	5,89 M €	3,13 M €	86,2 M €−7,1%	564
Total 2021:	18,3 M €	12,4 M €	430,1 M €
2020 Q4	6,66 M €	2,94 M €	92,7 M €+18,9%	583
2020 Q3	5,91 M €	3,12 M €	78,0 M €−6,3%	550
2020 Q2	7,70 M €	3,78 M €	83,2 M €−0,5%	562
2020 Q1	6,47 M €	2,97 M €	83,6 M €+6,7%	565
Total 2020:	26,7 M €	12,8 M €	337,5 M €
2019 Q4	6,64 M €	2,81 M €	78,3 M €−1,9%	553
2019 Q3	5,79 M €	2,77 M €	79,9 M €−5,3%	603
2019 Q2	7,60 M €	4,00 M €	84,4 M €−2,1%	563
2019 Q1	5,65 M €	2,96 M €	86,2 M €−11,4%	578
Total 2019:	25,7 M €	12,5 M €	328,8 M €
2018 Q4	4,34 M €	3,45 M €	97,3 M €−19,9%	614
2018 Q3	3,02 M €	2,71 M €	121,5 M €+11,1%	625
2018 Q2	2,46 M €	2,59 M €	109,3 M €+17,1%	611
2018 Q1	2,67 M €	2,55 M €	93,4 M €+16,8%	583
Total 2018:	12,5 M €	11,3 M €	421,6 M €
2017 Q4	1,68 M €	1,78 M €	80,0 M €+194%	568
2017 Q3	1,81 M €	439 381 €	27,2 M €−17,5%	564
2017 Q2	462 501 €	471 701 €	32,9 M €+16,8%	100
2017 Q1	589 369 €	401 559 €	28,2 M €+928%	97
Total 2017:	4,53 M €	3,10 M €	168,2 M €
2016 Q4	559 150 €	368 108 €	2,74 M €+0,5%	112
2016 Q3	441 691 €	366 321 €	2,73 M €−12,0%	112
2016 Q2	429 525 €	416 157 €	3,10 M €+7,3%	112
2016 Q1	434 551 €	387 840 €	2,89 M €+14,6%	112
Total 2016:	1,86 M €	1,54 M €	11,5 M €
2015 Q4	382 376 €	386 196 €	2,52 M €−12,6%	94
2015 Q3	423 052 €	441 971 €	2,89 M €−48,0%	94
2015 Q2	844 304 €	850 186 €	5,55 M €+299%	94
2015 Q1	258 233 €	213 337 €	1,39 M €	94
Total 2015:	1,91 M €	1,89 M €	12,4 M €

Revenue by industry

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

Tax debts

No tax debt found

No tax debt as of 19.10.2026

Representatives

	Personal ID code
Jonna Pechter	48311XXXXXX	21.11.1983 (42)	Board member	09.07.2025	-
Tanel Rebane	38509XXXXXX	29.09.1985 (41)	Board member	09.07.2025	-
Jonas Urbonas	37606XXXXXX	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	-

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Shareholders

	Personal ID code
Luminor Holding AS	14723133	14.05.2019 (7)	Shareholder	34 912 230 EUR	100,00%	Sole ownership	12.08.2026	-

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Other persons

	Personal ID code
Petra Constance Van Hoeken	-	28.04.1961 (65)	Supervisory-board member	01.04.2026	-
Hans-Karl Alfred Friedrich von Rohr	-	16.10.1965 (61)	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 (58)	Supervisory-board member	01.07.2025	-

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Ultimate beneficial owners

	Personal ID code
Stephen A. Schwarzman	-	14.02.1947 (79)	Member of higher governing body (board or supervisory board)	31.10.2019	-

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Holdings in companies


Luminor Liising AS	15.08.1997	Shareholder	3 834 000 EUR	100,00%	Sole ownership	16.08.2023	-
Luminor Pensions Estonia AS	13.02.2008	Shareholder	3 000 000 EUR	100,00%	Sole ownership	16.08.2023	-
Maksekeskus AS	17.04.2012	Shareholder	631 089 EUR	100,00%	Sole ownership	06.06.2025	-

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2026 Q3

Turnover

Amount: 93 519 472 €
Monthly average: 31 173 157 €
Per employee: 45 244 €
Equity ratio: 89,29%

Labour taxes

Turnover ratio: 5,85%
Tax ratio: 113,98%
Monthly average: 1 824 337 €
Per employee: 2 715 €

State taxes

Monthly average: 1 600 518 €
Turnover ratio: 5,13%

Estimated salary

Gross salary: 4 824 €
Net salary: 3 781 €

Aggregate data

Last 5 yrsAll

	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	-	-	-	46 123 €	-	-	-
Long-term liabilities	-	-	-	-	-	-	-
Total liabilities	-	-	-	46 123 €	-	-	-
Share or stock capital	-	-	34 900 000 €	34 900 000 €−97,6%	1 447 100 032 €+4 045%	34 912 000 €	-
Retained earnings	-	-	84 200 000 €+357%	-32 800 000 €−941%	3 900 000 €−97,1%	135 399 008 €	-
Net profit	-	-	189 400 000 €+61,9%	117 000 000 €+120%	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%	390 512 992 €+19,7%	326 176 992 €−2,3%	333 739 008 €−8,0%	362 790 016 €
Profit margin	-	-	23,3%	30,0%	16,3%	18,1%	-

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	-	-
Liquidity
Current ratio	1,1	1,1
Quick ratio	1,1	1,1
Cash ratio	0,2	0,2
Efficiency
Days sales outstanding (dso)	-	-
Asset turnover	-	-
Structure
Debt ratio	0,9	0,9
Profitability
Operating margin	-	-
Net profit margin	-	-
Return on assets (roa)	-	-
Return on equity (roe)	-	-

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Licences & notices


Notice of economic activity	HKK000423	Organisation of a commercial lottery	Valid	18.09.2026	25.01.2027

Regulations


Ä 10103847 / 62	11.08.2026	Entry – Amendment entry	-	Entered into force11.08.2026
Ä 10103847 / 61	07.08.2026	Entry – Amendment entry	-	Entered into force07.08.2026
Ä 10103847 / 60	31.07.2026	Entry – Amendment entry	-	Entered into force31.07.2026
Ä 10103847 / 59	09.07.2025	Entry – Amendment entry	-	Entered into force09.07.2025
Ä 10103847 / 58	27.03.2025	Entry – Amendment entry	-	Entered into force27.03.2025

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions


19-1/25-09858-001	Alar Urm	Against the consumer	06.11.2025	PDF
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

Court decisions


2-23-4923/21	Kohtu I astme menetlus	Court ruling	Property law	Kadri Mälberg	ECLI:EE:PMK:2026:2.23.4923.15542	07.10.2026	Open
2-26-437/14	145388009	Court ruling	Enforcement	Kairi Piirisild, Ele Liiv, Mati Maksing	ECLI:EE:TLRK:2026:2.26.437.15102	15.09.2026	Open
2-23-10612/42	Apellatsioonmenetlus	Court ruling	Enforcement	Andra Pärsimägi, Triin Uusen-Nacke, Anneli Alekand	ECLI:EE:TRRK:2026:2.23.10612.13241	11.08.2026	Open
2-25-14569/9	Kohtu I astme menetlus	Court ruling	Law of obligations	Marika Leimann	ECLI:EE:VMK:2026:2.25.14569.12062	10.08.2026	Open
2-26-1787/16	Kohtu I astme menetlus	Court judgment	Law of obligations	Kristi Rickberg	ECLI:EE:HMK:2026:2.26.1787.13022	03.06.2026	Open

Official announcements


Notice of auction of immovable property in enforcement proceedings	16.10.2026	PDF
Notice of auction of immovable property in enforcement proceedings	16.10.2026	PDF
Notice of auction of immovable property in enforcement proceedings	16.10.2026	PDF
Notice of auction of immovable property in enforcement proceedings	15.10.2026	PDF
Notice of auction of immovable property in enforcement proceedings	15.10.2026	PDF

Public transactions


25.09.2026	Saku Vallavalitsus	12 386,81 €Received	FINANCIAL INCOME AND EXPENSESServicing of government-sector debt
25.09.2026	Saku Vallavalitsus	41 312,51 €Received	SHORT-TERM LIABILITIESMunicipal government
08.09.2026	Eesti Töötukassa	1 150,40 €Received	OPERATING EXPENSESSocial protection of the unemployed
26.08.2026	Rakvere Linnavalitsus	10 900,23 €Received	FINANCIAL INCOME AND EXPENSESServicing of government-sector debt
26.08.2026	Rakvere Linnavalitsus	35 087,72 €Received	SHORT-TERM LIABILITIESServicing of government-sector debt

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid


23.03.2026	Eesti TöötukassaAid measure 231580	Koolitus VTA › Koolitus VTAGrant	1 150,40 €	231580/2603730
25.04.2023	SA Keskkonnainvesteeringute KeskusAid measure 231483	Keskkonnakaitse (VTA) › MuuGrant	1 000 €	231483/2300008
16.05.2019	Ettevõtluse ja Innovatsiooni SihtasutusAid measure 15434	Regionaalareng (VTA) › MuuGrant	13 €	15434/1904063
13.02.2019	Ettevõtluse ja Innovatsiooni SihtasutusAid measure 15434	Regionaalareng (VTA) › MuuGrant	9 €	15434/1903749

Public procurement contracts


11.12.2017End 29.12.2023	Reference number 191550	Saaremaa VallavalitsusContracting authority	29 606,30 €actual 30 053 €	Completed
10.08.2017End 28.08.2021	Reference number 189092 · LIISINGULEPING NR 469298	Tallinna KalmistudContracting authority	102 679 €	Concluded
21.07.2017End 21.11.2022	Reference number 177577 · Viie sõiduauto liisinguleping	Viljandi VallavalitsusContracting authority	97 031,40 €	Completed
06.07.2017End 31.10.2022	Reference number 186571 · Kasutusrendileping nr 463171	Pärnu LinnavalitsusContracting authority	36 166,20 €actual 39 695,79 €	Completed
02.05.2017End 28.08.2022	Reference number 183499 · Liisingleping nr. 450016	Tartu LinnavalitsusContracting authority	19 143,30 €	Completed

.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.