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1Credit OÜ

Legal form:

Private limited company

Registry code:

11644893

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

08.05.2009 (17)

Capital:

2 556 EUR

Address:

Roseni tn 7, Kesklinna linnaosa, Tallinn, Harju maakond, 10111

Status:

Registered

Contacts

Email:

info@1credit.ee

Phone:

+372 5175075

Phone:

+372 6403116

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

VAT liability

	Start	End
EE101311931	17.08.2009	26.04.2011

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	23.04.2026	Valid
2024	01.01.2024 - 31.12.2024	04.04.2025	Valid
2023	01.01.2023 - 31.12.2023	28.03.2024	Valid
2022	01.01.2022 - 31.12.2022	04.04.2023	Valid
2021	01.01.2021 - 31.12.2021	17.06.2022	Valid
2020	01.01.2020 - 31.12.2020	24.03.2021	Valid
2019	01.01.2019 - 31.12.2019	26.05.2020	Valid
2018	01.01.2018 - 31.12.2018	28.06.2019	Valid
2017	01.01.2017 - 31.12.2017	14.06.2018	Valid
2016	01.01.2016 - 31.12.2016	18.05.2017	Valid
2015	01.01.2015 - 31.12.2015	22.06.2016	Valid
2014	01.01.2014 - 31.12.2014	09.06.2015	Valid
2013	01.01.2013 - 31.12.2013	27.06.2014	Valid
2012	01.01.2012 - 31.12.2012	21.06.2013	Valid
2011	01.01.2011 - 31.12.2011	03.07.2012	Valid
2010	01.01.2010 - 31.12.2010	08.07.2011	Valid
2010	01.01.2010 - 31.12.2010	27.01.2011	Expired
2009	08.05.2009 - 31.12.2009	29.06.2010	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 04.06.2026.

???

Credit rating

Hidden

Credit rating is based on company financial data and payment behavior. detailed analysis available to regia+ users.

020406080100

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? Strengths

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Tax data

No tax data found

Company has no submitted tax data

Revenue by industry

	2023	2024	2025
Other lending, excl. pawnshops	96 847 €	102 462 €	102 835 €

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
Heikki Rannik	37309XXXXXX	11.09.1973 (52)	Board member	18.03.2015	-
Sten Tikk	38012XXXXXX	23.12.1980 (45)	Board member	18.03.2015	-

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

1 - 2 / 2 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
Nordic Hypo AS	-	25.01.2010 (16)	Shareholder	2 556,00 EUR	100	Sole ownership	25.09.2025	-

7 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
Osaühing Beyond Development	-	-	Founder	06.05.2009	-
OÜ NORDEKIVI	-	-	Founder	06.05.2009	-

1 - 2 / 2 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Sten Tikk	38012XXXXXX	23.12.1980 (45)	Indirect holding	18.10.2018	-
Ülar Tikk	35903XXXXXX	27.03.1959 (67)	Indirect holding	18.10.2018	-

1 - 2 / 2 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	660 686 €66.6%	396 654 €63.7%	1 093 114 €114.0%	510 845 €623.6%	70 602 €91.3%	815 259 €54.9%	526 420 €
Non-current assets	840 717 €15.8%	998 174 €352.4%	220 653 €70.6%	750 831 €33.1%	1 121 875 €370.0%	238 715 €69.1%	771 594 €
Total assets	1 501 403 €7.6%	1 394 828 €6.2%	1 313 767 €4.1%	1 261 676 €5.8%	1 192 477 €13.1%	1 053 974 €18.8%	1 298 014 €
Short-term liabilities	87 029 €13.2%	76 875 €57.9%	182 587 €204.4%	59 975 €15.9%	51 766 €41.7%	88 730 €227.5%	27 096 €
Long-term liabilities	114 035 €	114 035 €	-	114 035 €	114 035 €53.3%	-	244 035 €
Total liabilities	201 064 €5.3%	190 910 €4.6%	182 587 €4.9%	174 010 €5.0%	165 801 €86.9%	88 730 €67.3%	271 131 €
Share or stock capital	2 556 €	2 556 €	2 556 €	2 556 €	2 556 €	2 556 €	2 556 €
Retained earnings	1 201 362 €6.4%	1 128 624 €4.0%	1 085 110 €6.0%	1 024 120 €6.4%	962 688 €6.0%	1 024 327 €6.3%	963 368 €
Net profit	96 421 €32.6%	72 738 €67.2%	43 514 €28.7%	60 990 €0.7%	61 432 €199.7%	-61 639 €201.1%	60 959 €
Equity	1 300 339 €8.0%	1 203 918 €6.4%	1 131 180 €4.0%	1 087 666 €5.9%	1 026 676 €6.4%	965 244 €6.0%	1 026 883 €
Turnover	102 835 €0.4%	102 462 €5.8%	96 847 €0.2%	96 626 €1.4%	95 299 €7.8%	103 334 €8.6%	113 083 €
Profit margin	93.76%32.1%	70.99%58.0%	44.93%28.8%	63.12%2.1%	64.46%208.1%	-59.65%210.7%	53.91%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	AW LJJ	XI VBI	KL DNZ	80 817	-42 263
Liquidity
Current ratio	R.I	M.H	E.U	1.4	9.2
Quick ratio	M.Q	Y.E	D.D	1.4	9.2
Cash ratio	U.L	D.E	X.V	0.6	3.0
Efficiency
Days sales outstanding (dso)	L NFW.S	F BET.D	F ASA.G	3 127.8	2 197.4
Asset turnover	J.S	M.G	G.F	0.1	0.1
Structure
Debt ratio	J.W	L.C	Z.K	0.1	0.1
Profitability
Operating margin	LO.K%	OM.Y%	LR.I%	64.5%	-59.7%
Net profit margin	EC.V%	IY.X%	HY.X%	64.5%	-59.7%
Return on assets (roa)	W.K%	O.Q%	W.V%	5.5%	-5.2%
Return on equity (roe)	G.M%	P.W%	N.A%	6.0%	-6.4%

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Licences & notices

Type	Number	Field	Status	Start	End
License	FFA000022	Financial services > Operating as a financing institution	Valid	29.09.2014	-

1 - 1 / 1 rows

Regulations

Regulation no.	Date	Type	Status
Ä 10129075 / 10	25.09.2025	Entry - Amendment entry	Entered into force (25.09.2025)
Ä 10129075 / 9	02.09.2023	Entry - Amendment entry	Entered into force (02.09.2023)
Ä 10129075 / 8	17.01.2018	Entry - Amendment entry	Entered into force (17.01.2018)
Ä 10129075 / 7	01.12.2017	Entry - Amendment entry	Entered into force (01.12.2017)
Ä 10129075 / 6	16.09.2016	Entry - Amendment entry	Entered into force (16.09.2016)

1 - 5 / 10 rows

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

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date
2-12-10809/154	Civil case	Court ruling	Bankruptcy law	Üllar Roostoja, Viivi Tomson, Kersti Kerstna-Vaks	ECLI:EE:TRRK:2021:2.12.10809.11333	02.03.2021
2-20-134723/6	Civil case	Court ruling	Law of obligations	Karin Sonntak	ECLI:EE:HMK:2020:2.20.134723.24678	02.12.2020
2-11-5845/75	Civil case	Court ruling	Bankruptcy law	Eveli Vavrenjuk	ECLI:EE:TMK:2018:2.11.5845.8276	26.04.2018
2-13-12105/64	Civil case	Court ruling	Debt restructuring proceedings	Tiit Kollom, Imbi Sidok-Toomsalu, Iko Nõmm	ECLI:EE:TLRK:2014:2.13.12105.20851	05.09.2014
2-13-12105/44	Civil case	Court ruling	Debt restructuring proceedings	Peeter Pällin	ECLI:EE:HMK:2013:2.13.12105.31764	28.11.2013

1 - 5 / 7 rows

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

No public transactions found

Company has no public transactions

.ee domains

Domain	Status	Registered	Expires	End
1credit.ee	Active	04.07.2010	22.12.2026	-
laenuabi.ee	Active	04.07.2010	22.10.2026	-

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