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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)

Former business names:

isePankur AS, isePankur OÜ, Sõbralaen OÜ

Capital:

500 000 EUR

Address:

A. H. Tammsaare tee 56, Kristiine linnaosa, Tallinn, Harju maakond, 11316

Status:

Registered

Contacts

Email:

bondora@bondora.com

Website:

https://www.bondora.com

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

VAT liability

	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

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

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 04.06.2026.

Delayed declarations

	Deadline	Submitted
VAT return	22.09.2025	24.09.2025	2 days overdue

???

Credit rating

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020406080100

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	710 160 €	212 678 €	4 000 924 €3.1%	37
Kokku 2026:	710 160 €	212 678 €	4 000 924 €
2025 Q4	1 164 584 €	220 831 €	4 129 960 €16.6%	34
2025 Q3	1 018 219 €	232 473 €	3 542 861 €28.6%	34
2025 Q2	790 742 €	220 538 €	2 754 388 €3.3%	33
2025 Q1	800 483 €	206 919 €	2 847 879 €5.0%	34
Kokku 2025:	3 774 028 €	880 761 €	13 275 088 €19.9%
2024 Q4	771 268 €	204 734 €	2 712 076 €17.2%	34
2024 Q3	888 271 €	200 868 €	3 274 806 €22.9%	31
2024 Q2	738 277 €	181 338 €	2 664 297 €10.1%	31
2024 Q1	672 600 €	187 789 €	2 420 838 €0.9%	31
Kokku 2024:	3 070 416 €	774 729 €	11 072 017 €8.2%
2023 Q4	650 303 €	189 107 €	2 443 149 €23.9%	33
2023 Q3	563 750 €	196 478 €	1 971 953 €39.4%	35
2023 Q2	728 781 €	104 230 €	3 253 601 €26.8%	34
2023 Q1	598 485 €	109 623 €	2 565 436 €8.2%	21
Kokku 2023:	2 541 320 €	599 438 €	10 234 140 €4.0%
2022 Q4	546 692 €	96 187 €	2 371 174 €8.6%	22
2022 Q3	514 585 €	101 072 €	2 184 274 €32.0%	21
2022 Q2	699 555 €	88 095 €	3 210 653 €11.1%	21
2022 Q1	632 200 €	81 557 €	2 889 570 €16.6%	19
Kokku 2022:	2 393 031 €	366 911 €	10 655 671 €72.2%
2021 Q4	553 516 €	83 491 €	2 477 393 €57.3%	16
2021 Q3	381 787 €	85 109 €	1 574 528 €20.6%	17
2021 Q2	337 771 €	94 010 €	1 305 476 €57.2%	15
2021 Q1	253 657 €	102 530 €	830 381 €20.8%	18
Kokku 2021:	1 526 731 €	365 140 €	6 187 779 €63.4%
2020 Q4	219 662 €	94 684 €	687 576 €3.7%	17
2020 Q3	215 198 €	93 700 €	662 866 €30.1%	18
2020 Q2	486 457 €	324 597 €	948 964 €36.2%	20
2020 Q1	597 149 €	322 875 €	1 487 466 €16.6%	59
Kokku 2020:	1 518 466 €	835 856 €	3 786 872 €28.7%
2019 Q4	523 506 €	296 029 €	1 275 247 €24.1%	53
2019 Q3	562 294 €	258 561 €	1 679 855 €21.0%	50
2019 Q2	492 325 €	236 884 €	1 388 402 €43.4%	39
2019 Q1	381 413 €	203 814 €	968 284 €17.8%	40
Kokku 2019:	1 959 538 €	995 288 €	5 311 788 €71.7%
2018 Q4	392 863 €	171 568 €	1 178 152 €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
Kokku 2018:	1 195 190 €	614 622 €	3 093 421 €112.4%
2017 Q4	226 573 €	127 674 €	538 524 €110.9%	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
Kokku 2017:	796 707 €	504 236 €	1 456 587 €60.8%
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 €	1 106 559 €3.6%	27
2016 Q1	229 130 €	195 485 €	1 068 560 €54.2%	27
Kokku 2016:	815 997 €	679 326 €	3 713 331 €50.7%
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
Kokku 2015:	782 502 €	657 213 €	2 464 848 €

Revenue by industry

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

Tax debts

No tax debt found

No tax debt as of 04.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Juris Rieksts-Riekstinš	-	13.03.1987 (39)	Board member	08.05.2026	-
Liisi Klettenberg	48609XXXXXX	24.09.1986 (39)	Board member	08.05.2026	-
Pärtel Tomberg	38711XXXXXX	04.11.1987 (38)	Board member	11.03.2008	-

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

1 - 3 / 3 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
Bondora Group AS	-	02.09.2019 (6)	Shareholder	500 000,00 EUR	100	Sole ownership	03.11.2025	-

91 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
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 (74)	Supervisory-board member	01.11.2023	-
Kpmg Baltics Oü	-	-	Audit firm	07.02.2017	-
Mihkel Tasa	37412XXXXXX	11.12.1974 (51)	Founder	11.03.2008	-

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

1 - 5 / 6 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Pärtel Tomberg	38711XXXXXX	04.11.1987 (38)	Member of higher governing body (board or supervisory board)	05.09.2018	-

1 - 1 / 1 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

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

2026 Q1

Turnover

Amount

4 000 924 €

Monthly average

1 333 641 €

Per employee

36 044 €

Equity ratio

266,73%

Labour taxes

Turnover ratio

5,32%

Tax ratio

29,95%

Monthly average

70 893 €

Per employee

1 997 €

State taxes

Monthly average

236 720 €

Turnover ratio

17,75%

Estimated salary

Gross salary

3 604 €

Net salary

2 825 €

Aggregate data

	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 €960.5%	-	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 €101.9%	1 765 010 €57.0%	4 101 437 €
Long-term liabilities	-	-	-	-	554 886 €	554 886 €448.0%	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 €900.0%	50 001 €	50 001 €	50 001 €
Retained earnings	4 145 040 €19.8%	5 165 809 €53.5%	11 108 221 €2.0%	11 334 690 €79.0%	6 332 128 €91.0%	3 314 993 €221.4%	1 031 432 €
Net profit	602 640 €159.0%	-1 020 769 €1 872.5%	57 588 €125.4%	-226 469 €104.2%	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	0.97%149.7%	-1.95%1 571.2%	0.13%121.3%	-0.62%103.4%	18.35%29.6%	14.16%25.7%	11.27%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	-	-	-	-	3 095 636
Liquidity
Current ratio	Q.W	P.N	Q.C	4.5	4.9
Quick ratio	C.D	F.J	V.G	4.5	4.9
Cash ratio	I.M	N.Y	N.F	2.8	2.6
Efficiency
Days sales outstanding (dso)	ES.O	TJ.K	DK.T	62.8	65.0
Asset turnover	E.O	D.D	B.N	2.4	2.6
Structure
Debt ratio	U.L	O.O	F.C	0.3	0.3
Profitability
Operating margin	-N.O%	P.D%	-A.G%	18.3%	14.2%
Net profit margin	-O.W%	A.O%	-P.X%	18.4%	14.2%
Return on assets (roa)	-C.U%	E.Q%	-U.W%	44.2%	37.1%
Return on equity (roe)	-HM.M%	D.F%	-B.N%	46.1%	47.3%

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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 10116803 / 42	08.05.2026	Entry - Amendment entry		Entered into force (08.05.2026)
Ä 10116803 / M22	30.04.2026	Order to remedy deficiencies - Amendment entry	14.05.2026	Deficiencies remedied (08.05.2026)
Ä 10116803 / M21	09.01.2026	Order to remedy deficiencies for correcting extra-entry data	23.01.2026	Deficiencies remedied (15.01.2026)
Ä 10116803 / 41	07.05.2024	Entry - Amendment entry		Entered into force (07.05.2024)
Ä 10116803 / M20	26.04.2024	Directive order	06.05.2024	Deficiencies remedied (05.05.2024)

1 - 5 / 64 rows

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions

Document no.	Composition	Decision	Date
19-1/26-03612-001	Taavi Hein	In favour of the consumer	25.05.2026
19-1/25-07178-001	Alar Urm	Against the consumer	01.09.2025
19-1/25-06461-001	Alar Urm	Against the consumer	26.08.2025
	-	In favour of the consumer	25.08.2016

1 - 4 / 4 rows

Court decisions

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date	Participants
2-25-104776/23						24.04.2026
2-25-10089/8						17.04.2026
2-25-8165/39						13.04.2026
2-25-128618/7						10.04.2026
2-25-19011/11						09.04.2026

1 - 5 / 1242 rows

Official announcements

Subject	Date
Notice of auction of immovable property in enforcement proceedings	25.05.2026
Notice of auction of immovable property in enforcement proceedings	19.05.2026
Notice of auction of immovable property in enforcement proceedings	13.05.2026
Notice of auction of immovable property in enforcement proceedings	12.05.2026
Notice of auction of immovable property in enforcement proceedings	11.05.2026

1 - 5 / 512 rows

Public transactions

Date	Party	Amount	Classification
28.02.2024	Saue Vallavalitsus	4 730.97 € Received	OTHER OPERATING EXPENSES General transfers within the government sector

1 - 1 / 1 rows

.ee domains

Domain	Status	Registered	Expires	End
bondora.ee	Active	19.02.2014	20.02.2030	-
isepankur.ee	Active	04.07.2010	08.12.2029	-

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