Bondora AS

Legal form:: Public limited company
Registry code:: 11483929
VAT no.:: EE101252401
Fiscal-year period:: 01.01 - 31.12
Established:: 11.03.2008 (18 y)
Former business names:: Sõbralaen OÜ, isePankur AS, isePankur OÜ
Capital:: 500 000 EUR
Address:: A. H. Tammsaare tee 56, Kristiine linnaosa, Tallinn, Harju maakond, 11316
Status:: Registered
E-invoice reception:: e-arveldaja

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Contacts

Email:: bondora@bondora.com
Website:: https://www.bondora.com

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Industries

FINANCIAL AND INSURANCE ACTIVITIES
Auxiliary activities of financial services and insurance
Auxiliary activities of financial services, except insurance and pension funds
Other activities auxiliary to financial services, except insurance and pension funding
66199 – Other activities auxiliary to financial services n.e.c., except insurance and pension funding

Industry TOPNo. 2 of 96 companies

1.Baltics CO2 Management OÜ99.4M €
2.Bondora AS16M €
3.Baltic LEI AS15.8M €
4.Monefit Investments OÜ11.3M €
5.Wallester AS8.3M €
6.Nets Estonia AS4.4M €
7.Posti Messaging OÜ2.2M €
8.Scramble OÜ2.2M €
9.Aktsiaselts Big Data Scoring959.4k €
10.Swaper Platform OÜ912.6k €

Main activity 66199 · turnover over the last 4 quarters

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VAT liability

VAT no.	Start	End
EE101252401	01.12.2024	-
EE101252401	01.01.2020	30.11.2024
EE101252401	05.02.2019	31.12.2019
EE101252401	01.09.2016	04.02.2019
EE101252401	20.09.2008	31.08.2016

Annual reports

Aggregate data

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	31.03.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	31.03.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	01.04.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	31.03.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	31.03.2022	Valid	PDF
2020	01.01.2020 – 31.12.2020	30.04.2021	Valid	PDF
2019	01.01.2019 – 31.12.2019	02.07.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	06.06.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	29.06.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	29.06.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	30.06.2016	Valid	PDF
2014	01.01.2014 – 31.12.2014	02.07.2015	Valid	PDF
2013	01.01.2013 – 31.12.2013	30.06.2014	Valid	PDF
2012	01.01.2012 – 31.12.2012	30.06.2013	Valid	PDF
2011	01.01.2011 – 31.12.2011	27.06.2012	Valid	PDF
2010	01.01.2010 – 31.12.2010	30.06.2011	Valid	PDF
2009	01.01.2009 – 31.12.2009	29.06.2010	Valid	PDF
2008	24.03.2008 – 31.12.2008	08.06.2009	Valid	PDF

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 20.10.2026.

Delayed declarations

VAT return

22.09.2025

24.09.2025

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Tax debt Reports Declarations Court decisions1294 Official announcements561 TTJA decisions4 Real estate–.ee domains2 Licenses–Regulations65 Public transactions1 Grants–State aid1 Public procurement–Holdings in companies–Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	1,08 M €	276 537 €	4,08 M €+8,2%	39
2026 Q2	942 041 €	211 066 €	3,77 M €−5,8%	37
2026 Q1	710 160 €	212 678 €	4,00 M €−3,1%	37
Total 2026:	2,74 M €	700 281 €	11,9 M €
2025 Q4	1,16 M €	220 831 €	4,13 M €+16,6%	34
2025 Q3	1,02 M €	232 473 €	3,54 M €+28,6%	34
2025 Q2	790 742 €	220 538 €	2,75 M €−3,3%	32
2025 Q1	800 483 €	206 919 €	2,85 M €+5,0%	33
Total 2025:	3,77 M €	880 761 €	13,3 M €
2024 Q4	771 268 €	204 734 €	2,71 M €−17,2%	33
2024 Q3	888 271 €	200 868 €	3,27 M €+22,9%	30
2024 Q2	738 277 €	181 338 €	2,66 M €+10,1%	30
2024 Q1	672 600 €	187 789 €	2,42 M €−0,9%	30
Total 2024:	3,07 M €	774 729 €	11,1 M €
2023 Q4	650 303 €	189 107 €	2,44 M €+23,9%	30
2023 Q3	563 750 €	196 478 €	1,97 M €−39,4%	33
2023 Q2	728 781 €	104 230 €	3,25 M €+26,8%	31
2023 Q1	598 485 €	109 623 €	2,57 M €+8,2%	30
Total 2023:	2,54 M €	599 438 €	10,2 M €
2022 Q4	546 692 €	96 187 €	2,37 M €+8,6%	27
2022 Q3	514 585 €	101 072 €	2,18 M €−32,0%	25
2022 Q2	699 555 €	88 095 €	3,21 M €+11,1%	25
2022 Q1	632 200 €	81 557 €	2,89 M €+16,6%	20
Total 2022:	2,39 M €	366 911 €	10,7 M €
2021 Q4	553 515,96 €	83 490,61 €	2,48 M €+57,3%	16
2021 Q3	381 786,92 €	85 108,97 €	1,57 M €+20,6%	17
2021 Q2	337 770,97 €	94 010,08 €	1,31 M €+57,2%	15
2021 Q1	253 656,86 €	102 530,04 €	830 381,25 €+20,8%	18
Total 2021:	1,53 M €	365 139,70 €	6,19 M €
2020 Q4	219 661,91 €	94 684,32 €	687 575,65 €+3,7%	17
2020 Q3	215 198,45 €	93 699,90 €	662 866,03 €−30,1%	18
2020 Q2	486 456,97 €	324 597,13 €	948 964,37 €−36,2%	20
2020 Q1	597 149 €	322 875 €	1,49 M €+16,6%	59
Total 2020:	1,52 M €	835 856,35 €	3,79 M €
2019 Q4	523 506 €	296 029 €	1,28 M €−24,1%	53
2019 Q3	562 294 €	258 561 €	1,68 M €+21,0%	50
2019 Q2	492 325 €	236 884 €	1,39 M €+43,4%	39
2019 Q1	381 413 €	203 814 €	968 284 €−17,8%	40
Total 2019:	1,96 M €	995 288 €	5,31 M €
2018 Q4	392 863 €	171 568 €	1,18 M €+28,4%	34
2018 Q3	323 525 €	149 908 €	917 304 €+91,9%	29
2018 Q2	235 037 €	147 287 €	478 100 €−8,0%	27
2018 Q1	243 765 €	145 859 €	519 865 €−3,5%	27
Total 2018:	1,20 M €	614 622 €	3,09 M €
2017 Q4	226 573 €	127 674 €	538 524 €+111%	24
2017 Q3	175 413 €	130 660 €	255 369 €+25,4%	24
2017 Q2	156 094 €	122 244 €	203 718 €−55,6%	26
2017 Q1	238 627 €	123 658 €	458 976 €−31,6%	25
Total 2017:	796 707 €	504 236 €	1,46 M €
2016 Q4	166 450 €	122 801 €	671 256 €−22,6%	27
2016 Q3	184 634 €	158 603 €	866 956 €−21,7%	27
2016 Q2	235 783 €	202 437 €	1,11 M €+3,6%	27
2016 Q1	229 130 €	195 485 €	1,07 M €+54,2%	27
Total 2016:	815 997 €	679 326 €	3,71 M €
2015 Q4	211 865 €	184 730 €	692 821 €+1,1%	47
2015 Q3	220 282 €	182 656 €	685 044 €+11,7%	47
2015 Q2	189 744 €	163 515 €	613 255 €+29,5%	47
2015 Q1	160 611 €	126 312 €	473 728 €	47
Total 2015:	782 502 €	657 213 €	2,46 M €

Revenue by industry

	2023	2024	2025
Other activities auxiliary to financial services n.e.c., except insurance and pension funding		52 474 968 €	62 315 484 €
Other activities auxiliary to financial services n.e.c.	43 553 552 €

Tax debts

No tax debt found

No tax debt as of 20.10.2026

Representatives

	Personal ID code
Juris Rieksts-Riekstinš	-	13.03.1987 (39)	Board member	08.05.2026	-
Liisi Klettenberg	48609XXXXXX	24.09.1986 (40)	Board member	08.05.2026	-
Pärtel Tomberg	38711XXXXXX	04.11.1987 (38)	Board member	11.03.2008	-

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Shareholders

	Personal ID code
Bondora Group AS	14794392	02.09.2019 (7)	Shareholder	500 000 EUR	100,00%	Sole ownership	03.11.2025	-

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Other persons

	Personal ID code
João Pinto da Silva Monteiro	36910XXXXXX	22.10.1969 (56)	Chairman of the supervisory board	01.11.2023	-
Falk Cornelius Wagner	-	18.01.1978 (48)	Supervisory-board member	01.11.2023	-
Mati Otsmaa	-	26.07.1951 (75)	Supervisory-board member	01.11.2023	-
KPMG Baltics OÜ	10096082	22.11.1996 (29)	Audit firm	07.02.2017	-
Mihkel Tasa	37412XXXXXX	11.12.1974 (51)	Founder	11.03.2008	-

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Ultimate beneficial owners

	Personal ID code
Pärtel Tomberg	38711XXXXXX	04.11.1987 (38)	Member of higher governing body (board or supervisory board)	05.09.2018	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

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2026 Q3

Turnover

Amount: 4 079 988 €
Monthly average: 1 359 996 €
Per employee: 34 872 €
Equity ratio: 272,00%

Labour taxes

Turnover ratio: 6,78%
Tax ratio: 25,50%
Monthly average: 92 179 €
Per employee: 2 426 €

State taxes

Monthly average: 361 475 €
Turnover ratio: 26,58%

Estimated salary

Gross salary: 4 330 €
Net salary: 3 410 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	7 721 817 €−36,6%	12 178 193 €−40,9%	20 617 116 €+15,2%	17 892 232 €+12,2%	15 952 442 €+83,3%	8 702 025 €+20,9%	7 196 626 €
Non-current assets	2 651 331 €+961%	-	250 000 €	250 000 €−32,6%	-	-	371 066 €
Total assets	10 373 148 €−14,8%	12 178 193 €−41,6%	20 867 116 €+15,0%	18 142 232 €+13,7%	15 952 442 €+83,3%	8 702 025 €+15,0%	7 567 692 €
Short-term liabilities	5 125 468 €−32,0%	7 533 153 €−18,1%	9 201 307 €+40,8%	6 534 011 €+83,4%	3 562 866 €+102%	1 765 010 €−57,0%	4 101 437 €
Long-term liabilities	-	-	-	-	554 886 €	554 886 €+448%	101 261 €
Total liabilities	5 125 468 €−32,0%	7 533 153 €−18,1%	9 201 307 €+40,8%	6 534 011 €+58,7%	4 117 752 €+77,5%	2 319 896 €−44,8%	4 202 698 €
Share or stock capital	500 000 €	500 000 €	500 000 €	500 000 €+900%	50 001 €	50 001 €	50 001 €
Retained earnings	72 910 €−93,3%	1 093 679 €−84,6%	7 086 091 €−3,1%	7 312 560 €+293%	1 859 999 €+261%	-1 157 136 €+66,4%	-3 440 697 €
Net profit	602 640 €+159%	-1 020 769 €−1 873%	57 588 €+125%	-226 469 €−104%	5 452 561 €+80,7%	3 017 135 €+32,1%	2 283 561 €
Equity	5 247 680 €+13,0%	4 645 040 €−60,2%	11 665 809 €+0,5%	11 608 221 €−1,9%	11 834 690 €+85,4%	6 382 129 €+89,7%	3 364 994 €
Turnover	62 316 484 €+18,8%	52 474 968 €+20,5%	43 553 552 €+19,1%	36 559 852 €+23,0%	29 712 764 €+39,5%	21 300 968 €+5,1%	20 258 046 €
Profit margin	1,0%	-1,9%	0,1%	-0,6%	18,4%	14,2%	11,3%

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	-	-
Liquidity
Current ratio	2,7	4,5
Quick ratio	2,7	4,5
Cash ratio	1,5	2,8
Efficiency
Days sales outstanding (dso)	69,8	62,8
Asset turnover	2,1	2,4
Structure
Debt ratio	0,4	0,3
Profitability
Operating margin	-0,2%	18,3%
Net profit margin	-0,6%	18,4%
Return on assets (roa)	-1,3%	44,2%
Return on equity (roe)	-2,0%	46,1%

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 10116803 / 43	11.08.2026	Entry – Amendment entry	-	Entered into force11.08.2026
Ä 10116803 / 42	08.05.2026	Entry – Amendment entry	-	Entered into force08.05.2026
Ä 10116803 / M22	30.04.2026	Order to remedy deficiencies – Amendment entry	14.05.2026	Deficiencies remedied08.05.2026
Ä 10116803 / M21	09.01.2026	Order to remedy deficiencies for correcting extra-entry data	23.01.2026	Deficiencies remedied15.01.2026
Ä 10116803 / 41	07.05.2024	Entry – Amendment entry	-	Entered into force07.05.2024

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions


19-1/26-03612-001	Taavi Hein	In favour of the consumer	25.05.2026	PDF
19-1/25-07178-001	Alar Urm	Against the consumer	01.09.2025	PDF
19-1/25-06461-001	Alar Urm	Against the consumer	26.08.2025	PDF
-	-	In favour of the consumer	25.08.2016

Court decisions


2-25-21652/9	Kohtu I astme menetlus	Court ruling	Law of obligations	Triin Maksing	ECLI:EE:VMK:2026:2.25.21652.15503	23.09.2026	Open
2-25-18874/3	Kohtu I astme menetlus	Court ruling	Law of obligations	Merili Ratasepp	ECLI:EE:TMK:2026:2.25.18874.15404	23.09.2026	Open
2-22-5899/42	Kohtu I astme menetlus	Court ruling	308760868, Pankrotiõigus	Hiie Lindmets	ECLI:EE:TMK:2026:2.22.5899.15794	17.09.2026	Open
2-19-9706/68	Kohtu I astme menetlus	Court ruling	Bankruptcy law	Nele Seping	ECLI:EE:PMK:2026:2.19.9706.15486	16.09.2026	Open
2-23-7846/31	Kohtu I astme menetlus	Court ruling	308760868, Pankrotiõigus	Maimu Laumets	ECLI:EE:TMK:2026:2.23.7846.14904	14.09.2026	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	15.10.2026	PDF
Notice of auction of immovable property in enforcement proceedings	14.10.2026	PDF
Notice of auction of immovable property in enforcement proceedings	13.10.2026	PDF
Notice of auction of immovable property in enforcement proceedings	13.10.2026	PDF

Public transactions


28.02.2024	Saue Vallavalitsus	4 730,97 €Received	OTHER OPERATING EXPENSESGeneral transfers within the government sector

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid


18.09.2020	Ettevõtluse ja Innovatsiooni SihtasutusAid measure 18724	Muu › MuuGrant	6 000 €	18724/2000142

Public procurement contracts

No public procurement contracts found

The company has no public procurement contracts

.ee domains


bondora.ee	Active	19.02.2014	20.02.2030
isepankur.ee	Active	04.07.2010	08.12.2029

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.