1Credit OÜ

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

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 20.10.2026.

Check company creditworthiness in seconds

Detailed reviews of company financial risks and strengths

3€ /monthGet started

Tax debt Reports Declarations Court decisions7 Official announcements1 TTJA decisions–Real estate–.ee domains2 Licenses1 Regulations10 Public transactions–Grants–State aid–Public procurement–Holdings in companies–Enforcement proceedings Payment orders

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 20.10.2026

Representatives

	Personal ID code
Heikki Rannik	37309XXXXXX	11.09.1973 (53)	Board member	18.03.2015	-
Sten Tikk	38012XXXXXX	23.12.1980 (45)	Board member	18.03.2015	-

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

3€ /monthGet started

Shareholders

	Personal ID code
Nordic Hypo AS	11881110	25.01.2010 (16)	Shareholder	2 556 EUR	100,00%	Sole ownership	25.09.2025	-

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

3€ /monthGet started

Other persons

	Personal ID code
Osaühing Beyond Development	11091201	09.12.2004 (21)	Founder	06.05.2009	-
OÜ NORDEKIVI	11441523	21.01.2008 (18)	Founder	06.05.2009	-

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

3€ /monthGet started

Ultimate beneficial owners

	Personal ID code
Sten Tikk	38012XXXXXX	23.12.1980 (45)	Indirect holding	18.10.2018	-
Ülar Tikk	35903XXXXXX	27.03.1959 (67)	Indirect holding	18.10.2018	-

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

3€ /monthGet started

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	660 686 €+66,6%	396 654 €−63,7%	1 093 114 €+114%	510 845 €+624%	70 602 €−91,3%	815 259 €+54,9%	526 420 €
Non-current assets	840 717 €−15,8%	998 174 €+352%	220 653 €−70,6%	750 831 €−33,1%	1 121 875 €+370%	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%	59 975 €+15,9%	51 766 €−41,7%	88 730 €+227%	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	-	-	-	-	-	-	-
Retained earnings	1 201 106 €+6,4%	1 128 368 €+4,0%	1 084 854 €+6,0%	1 023 864 €+6,4%	962 432 €−6,0%	1 024 071 €+6,3%	963 112 €
Net profit	96 421 €+32,6%	72 738 €+67,2%	43 514 €−28,7%	60 990 €−0,7%	61 432 €+200%	-61 639 €−201%	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	93,8%	71,0%	44,9%	63,1%	64,5%	-59,7%	53,9%

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	80 442 €	80 817 €
Liquidity
Current ratio	8,5	1,4
Quick ratio	8,5	1,4
Cash ratio	0,7	0,6
Efficiency
Days sales outstanding (dso)	3 408,1	3 127,8
Asset turnover	0,1	0,1
Structure
Debt ratio	0,1	0,1
Profitability
Operating margin	63,1%	64,5%
Net profit margin	63,1%	64,5%
Return on assets (roa)	5,0%	5,5%
Return on equity (roe)	5,6%	6,0%

Data export

These figures for over 281,000 companies, in one table

Revenue, EBITDA, ROE, ROA and other ratios
Up to five years of reports at once
Excel, CSV or JSON, updated daily

See how it works

To view all financial ratios, you need to subscribe to extended access to the info portal!

3€ /monthGet started

Licences & notices


License	FFA000022	Financial services	Valid	29.09.2014	-

Regulations


Ä 10129075 / 10	25.09.2025	Entry – Amendment entry	-	Entered into force25.09.2025
Ä 10129075 / 9	02.09.2023	Entry – Amendment entry	-	Entered into force02.09.2023
Ä 10129075 / 8	17.01.2018	Entry – Amendment entry	-	Entered into force17.01.2018
Ä 10129075 / 7	01.12.2017	Entry – Amendment entry	-	Entered into force01.12.2017
Ä 10129075 / 6	16.09.2016	Entry – Amendment entry	-	Entered into force16.09.2016

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


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

Official announcements


Notice of auction of immovable property in enforcement proceedings	16.10.2026	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


1credit.ee	Active	04.07.2010	22.12.2026
laenuabi.ee	Active	04.07.2010	22.10.2027

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.