Krediidilahenduste OÜ

Legal form:: Private limited company
Registry code:: 11534041
VAT no.:: -
Fiscal-year period:: 01.01 - 31.12
Established:: 10.09.2008 (18 y)
Capital:: 40 000 EEK
Address:: Arnika tee 21, Pirita linnaosa, Tallinn, Harju maakond, 11912
Status:: Registered

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Contacts

Phone:: +372 53730414
Email:: info@ettevõtluslaen.ee
Website:: www.ettevõtluslaen.ee

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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

Industry TOP17 companies in the activity

1.ESTO Holdings OÜ2.5M €
2.Primero Finance OÜ1.3M €
3.PLACET GROUP OÜ1M €
4.ESTO AS979k €
5.BB Finance OÜ341.4k €
6.OÜ SME Capital 3 Estonia336.1k €
7.Engeros Finance OÜ262.8k €
8.OÜ Polar Finance240.2k €
9.Helto Grupp OÜ146.1k €
10.HypoCredit OÜ84.1k €

Main activity 64929 · turnover over the last 4 quarters

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VAT liability

No VAT obligation history found

Company has not been issued any VAT ID number

Annual reports

Aggregate data

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	28.05.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	27.06.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	13.06.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	05.05.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	13.05.2022	Valid	PDF
2020	01.01.2020 – 31.12.2020	26.04.2021	Valid	PDF
2019	01.01.2019 – 31.12.2019	15.05.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	26.06.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	26.06.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	27.06.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	01.07.2016	Valid	PDF
2014	01.01.2014 – 31.12.2014	07.04.2015	Valid	PDF
2013	01.01.2013 – 31.12.2013	13.05.2014	Valid	PDF
2012	01.01.2012 – 31.12.2012	02.05.2013	Valid	PDF
2011	01.01.2011 – 31.12.2011	09.07.2012	Valid	PDF
2010	01.01.2010 – 31.12.2010	03.07.2011	Valid	PDF
2009	10.09.2008 – 31.12.2009	22.06.2010	Valid	PDF

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 21.10.2026.

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Tax debt Reports Declarations Court decisions–Official announcements14 TTJA decisions–Real estate–.ee domains1 Licenses1 Regulations6 Public transactions–Grants–State aid–Public procurement–Holdings in companies–Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	4 795 €	0 €	-	-
2026 Q2	564 €	0 €	-	-
2026 Q1	1 467 €	0 €	-	-
Total 2026:	6 826 €	0 €	0 €
2025 Q4	1 410 €	0 €	-	-
2025 Q2	1 128 €	0 €	-	-
2025 Q1	987 €	0 €	-	-
Total 2025:	3 525 €	0 €	0 €
2024 Q4	1 397 €	420 €	-	-
2024 Q3	698 €	210 €	-	-
2024 Q2	1 862 €	560 €	-	-
2024 Q1	2 192 €	1 215 €	-	-
Total 2024:	6 149 €	2 405 €	0 €
2023 Q4	2 436 €	1 543 €	-	-
2023 Q3	4 684 €	2 243 €	-	-
2023 Q2	2 473 €	1 578 €	-	-
2023 Q1	2 990 €	1 009 €	-	-
Total 2023:	12 583 €	6 373 €	0 €
2022 Q4	2 343 €	1 093 €	-	-
2022 Q3	8 212 €	2 645 €	-	-
2022 Q2	2 955 €	1 653 €	-	-
2022 Q1	4 046 €	1 027 €	-	-
Total 2022:	17 556 €	6 418 €	0 €
2021 Q4	2 920,20 €	1 327,18 €	-	-
2021 Q3	3 334,29 €	1 744,66 €	-	-
2021 Q2	1 006,38 €	1 044,66 €	-	-
2021 Q1	3 393,29 €	1 744,66 €	-	1
Total 2021:	10 654,16 €	5 861,16 €	0 €
2020 Q4	4 086,39 €	1 044,66 €	-	1
2020 Q3	1 006,38 €	1 044,66 €	-	-
2020 Q2	5 459,21 €	722,37 €	-	-
2020 Q1	4 483 €	1 143 €	0 €	1
Total 2020:	15 034,98 €	3 954,69 €	0 €
2019 Q4	80 €	0 €	0 €	0
2019 Q3	0 €	0 €	0 €	0
2019 Q2	100 €	0 €	0 €	0
2019 Q1	2 500 €	0 €	0 €	0
Total 2019:	2 680 €	0 €	0 €
2018 Q4	0 €	0 €	0 €	0
2018 Q3	0 €	0 €	0 €	0
2018 Q2	3 394 €	0 €	0 €	0
2018 Q1	1 500 €	0 €	0 €	0
Total 2018:	4 894 €	0 €	0 €
2017 Q4	2 500 €	0 €	0 €	0
2017 Q3	0 €	0 €	0 €	0
2017 Q2	2 250 €	0 €	0 €	0
2017 Q1	2 000 €	0 €	0 €	0
Total 2017:	6 750 €	0 €	0 €
2016 Q4	1 250 €	0 €	0 €	0
2016 Q3	0 €	0 €	0 €	0
2016 Q2	1 500 €	0 €	0 €	0
2016 Q1	3 000 €	0 €	0 €	0
Total 2016:	5 750 €	0 €	0 €
2015 Q4	0 €	0 €	0 €	0
2015 Q3	0 €	0 €	0 €	0
2015 Q2	3 000 €	0 €	0 €	0
2015 Q1	532 €	0 €	0 €	0
Total 2015:	3 532 €	0 €	0 €

Revenue by industry

	2023	2024	2025
Other lending, excl. pawnshops	30 221 €	13 820 €	6 780 €

Tax debts

No tax debt found

No tax debt as of 21.10.2026

Representatives

	Personal ID code
Taavi Eller	38202XXXXXX	28.02.1982 (44)	Board member	10.09.2008	-

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Shareholders

	Personal ID code
Taavi Eller	38202XXXXXX	28.02.1982 (44)	Shareholder	20 000 EEK	50,00%	Sole ownership	02.09.2023	-
Raili Arro	47412XXXXXX	09.12.1974 (51)	Shareholder	20 000 EEK	50,00%	Sole ownership	02.09.2023	-

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Other persons

	Personal ID code
Taavi Eller	38202XXXXXX	28.02.1982 (44)	Founder	10.09.2008	-

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Ultimate beneficial owners

	Personal ID code
Raili Arro	47412XXXXXX	09.12.1974 (51)	Direct holding	26.09.2018	-
Taavi Eller	38202XXXXXX	28.02.1982 (44)	Direct holding	26.09.2018	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q3

Turnover

Amount: 0 €
Monthly average: 0 €
Per employee: -

Labour taxes

Turnover ratio: -
Tax ratio: 0,00%
Monthly average: 0 €
Per employee: -

State taxes

Monthly average: 1 598 €
Turnover ratio: -

Estimated salary

Gross salary: -
Net salary: -

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	304 327 €−2,3%	311 469 €−11,7%	352 672 €+25,4%	281 181 €−3,1%	290 033 €−11,7%	328 587 €+4,4%	314 851 €
Non-current assets	-	-	-	41 500 €−16,0%	49 400 €	49 400 €−44,7%	89 400 €
Total assets	304 327 €−2,3%	311 469 €−11,7%	352 672 €+9,3%	322 681 €−4,9%	339 433 €−10,2%	377 987 €−6,5%	404 251 €
Short-term liabilities	100 909 €+10,8%	91 050 €−13,5%	105 271 €−18,4%	129 004 €−5,9%	137 138 €−23,0%	178 172 €−19,2%	220 465 €
Long-term liabilities	-	-	-	-	-	-	-
Total liabilities	100 909 €+10,8%	91 050 €−13,5%	105 271 €−18,4%	129 004 €−5,9%	137 138 €−23,0%	178 172 €−19,2%	220 465 €
Share or stock capital	-	-	-	-	-	-	-
Retained earnings	203 163 €−8,4%	221 845 €+37,3%	161 621 €+6,5%	151 739 €−3,5%	157 259 €+11,9%	140 473 €−7,0%	151 085 €
Net profit	-2 301 €+42,2%	-3 982 €−105%	83 224 €+111%	39 382 €−7,3%	42 480 €−24,9%	56 530 €+89,1%	29 889 €
Equity	203 418 €−7,7%	220 419 €−10,9%	247 401 €+27,7%	193 677 €−4,3%	202 295 €+1,2%	199 815 €+8,7%	183 786 €
Turnover	6 780 €−50,9%	13 820 €−54,3%	30 221 €−34,9%	46 420 €−27,8%	64 302 €+1,2%	63 548 €+37,3%	46 290 €
Profit margin	-33,9%	-28,8%	275,4%	84,8%	66,1%	89,0%	64,6%

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	-	-
Liquidity
Current ratio	2,2	2,1
Quick ratio	2,2	2,1
Cash ratio	0,2	0,2
Efficiency
Days sales outstanding (dso)	2 063,4	1 664,1
Asset turnover	0,1	0,2
Structure
Debt ratio	0,4	0,4
Profitability
Operating margin	61,3%	87,8%
Net profit margin	84,8%	66,1%
Return on assets (roa)	11,9%	11,8%
Return on equity (roe)	20,3%	21,0%

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Licences & notices


License	FFA000074	Financial services	Valid	23.10.2014	-

Regulations


Ä 10121108 / 6	02.09.2023	Entry – Amendment entry	-	Entered into force02.09.2023
Ä 10121108 / 5	12.11.2019	Entry – Amendment entry under CRA § 525 (2)	-	Entered into force12.11.2019
Ä 10121108 / 4	17.01.2018	Entry – Amendment entry	-	Entered into force17.01.2018
Ä 10121108 / 3	30.11.2017	Entry – Amendment entry	-	Entered into force30.11.2017
Ä 10121108 / 2	02.09.2016	Entry – Amendment entry	-	Entered into force02.09.2016

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions

No consumer dispute committee decisions found

Company has not been issued consumer dispute committee decisions

Court decisions

No court decisions found

The company has no court decisions

Official announcements


Notice of auction of immovable property in enforcement proceedings	03.08.2023	PDF
Notice of auction of immovable property in enforcement proceedings	03.08.2023	PDF
Notice of auction of immovable property in enforcement proceedings	03.08.2023	PDF
Notice of auction of immovable property in enforcement proceedings	03.08.2023	PDF
Notice of auction of immovable property in enforcement proceedings	30.05.2023	PDF

Public transactions

No public transactions found

Company has no public transactions

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid

No state aid found

The company has not been granted state aid or de minimis aid

Public procurement contracts

No public procurement contracts found

The company has no public procurement contracts

.ee domains


ettevõtluslaen.ee	Active	20.02.2017	21.02.2027

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.