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Summary of reports

Licenses

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Real estate

TTJA decisions

110

Court decisions

188

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Enforcement proceedings

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Hüpoteeklaen AS

Legal form:

Public limited company

Registry code:

11663703

VAT no.:

EE102889297

Fiscal-year period:

01.01 - 31.12

Established:

02.06.2009 (17)

Former business names:

Hüpoteeklaen OÜ

Capital:

6 152 460 EUR

Address:

Rävala pst 2, Kesklinna linnaosa, Tallinn, Harju maakond, 10145

Status:

Registered

Contacts

Email:

info@hypoteeklaen.ee

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
EE102889297	31.07.2025

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	Due date 30.06.2026
2024	01.01.2024 - 31.12.2024	30.06.2025	Valid
2023	01.01.2023 - 31.12.2023	30.06.2024	Valid
2022	01.01.2022 - 31.12.2022	30.06.2023	Valid
2021	01.01.2021 - 31.12.2021	30.06.2022	Valid
2020	01.01.2020 - 31.12.2020	29.06.2021	Valid
2019	01.01.2019 - 31.12.2019	30.06.2020	Valid
2018	01.01.2018 - 31.12.2018	30.06.2019	Valid
2017	01.01.2017 - 31.12.2017	30.06.2018	Valid
2016	01.01.2016 - 31.12.2016	30.06.2017	Valid
2015	01.01.2015 - 31.12.2015	30.06.2016	Valid
2014	01.01.2014 - 31.12.2014	29.06.2015	Valid
2013	01.01.2013 - 31.12.2013	25.06.2014	Valid
2012	01.01.2012 - 31.12.2012	26.06.2013	Valid
2011	01.01.2011 - 31.12.2011	26.06.2012	Valid
2010	01.01.2010 - 31.12.2010	01.09.2011	Valid
2009	02.06.2009 - 31.12.2009	30.06.2010	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 05.06.2026.

???

Credit rating

Hidden

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

020406080100

? Risk factors

? Strengths

View summary

✓

Tax debt

✓

Unsubmitted reports

✓

Unsubmitted declarations

110

Court decisions

188

Official announcements

TTJA decisions

Real estate

.ee domains

Licenses

Regulations

Public transactions

Holdings in companies

✓

Enforcement proceedings

✓

Payment orders

Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	408 395 €	422 813 €	12 066 €1 852.4%	42
Kokku 2026:	408 395 €	422 813 €	12 066 €985.1%
2025 Q4	324 077 €	340 639 €	618 €25.1%	41
2025 Q3	376 080 €	389 328 €	494 €	41
2025 Q2	295 727 €	311 547 €	0 €	38
2025 Q1	327 636 €	338 402 €	0 €	39
Kokku 2025:	1 323 520 €	1 379 916 €	1 112 €
2024 Q4	230 667 €	238 516 €	0 €	39
2024 Q3	522 408 €	423 504 €	0 €	35
2024 Q2	211 739 €	218 385 €	0 €	34
2024 Q1	238 735 €	243 157 €	0 €	32
Kokku 2024:	1 203 549 €	1 123 562 €	0 €
2023 Q4	186 490 €	191 355 €	0 €	28
2023 Q3	413 415 €	311 602 €	0 €	29
2023 Q2	171 801 €	175 823 €	0 €	26
2023 Q1	195 260 €	199 810 €	0 €	26
Kokku 2023:	966 965 €	878 590 €	0 €
2022 Q4	154 485 €	157 526 €	0 €	25
2022 Q3	361 026 €	258 325 €	0 €	24
2022 Q2	138 164 €	140 747 €	0 €	23
2022 Q1	185 849 €	192 057 €	0 €	19
Kokku 2022:	839 524 €	748 655 €	0 €
2021 Q4	117 260 €	119 800 €	0 €	19
2021 Q3	335 111 €	204 720 €	0 €	19
2021 Q2	124 601 €	127 283 €	0 €	23
2021 Q1	156 260 €	161 888 €	0 €	24
Kokku 2021:	733 232 €	613 691 €	0 €
2020 Q4	201 018 €	122 220 €	0 €	24
2020 Q3	241 743 €	183 921 €	0 €	25
2020 Q2	117 836 €	123 783 €	0 €	27
2020 Q1	163 769 €	169 129 €	0 €	26
Kokku 2020:	724 365 €	599 053 €	0 €
2019 Q4	109 090 €	113 435 €	0 €	25
2019 Q3	109 889 €	113 639 €	0 €	26
2019 Q2	292 902 €	145 551 €	0 €	23
2019 Q1	145 519 €	148 842 €	0 €	22
Kokku 2019:	657 400 €	521 467 €	0 €
2018 Q4	114 042 €	117 492 €	0 €	23
2018 Q3	110 046 €	112 537 €	0 €	23
2018 Q2	112 663 €	115 940 €	0 €	24
2018 Q1	137 533 €	141 834 €	0 €	22
Kokku 2018:	474 284 €	487 803 €	0 €
2017 Q4	91 239 €	95 373 €	0 €	22
2017 Q3	82 089 €	83 250 €	0 €	15
2017 Q2	178 807 €	83 677 €	0 €	16
2017 Q1	75 450 €	78 775 €	0 €100.0%	13
Kokku 2017:	427 585 €	341 075 €	0 €100.0%
2016 Q4	54 825 €	57 806 €	1 470 306 €2.6%	10
2016 Q3	56 832 €	59 369 €	1 510 038 €33.9%	10
2016 Q2	111 967 €	44 342 €	1 127 847 €10.6%	10
2016 Q1	47 813 €	49 602 €	1 261 635 €22.4%	10
Kokku 2016:	271 437 €	211 119 €	5 369 826 €28.0%
2015 Q4	32 750 €	34 130 €	1 030 574 €2.2%	9
2015 Q3	60 060 €	34 893 €	1 053 610 €12.3%	9
2015 Q2	67 586 €	31 059 €	937 840 €20.0%	9
2015 Q1	37 583 €	38 802 €	1 171 669 €	9
Kokku 2015:	197 979 €	138 884 €	4 193 693 €

Revenue by industry

	2022	2023	2024
Other lending, excl. pawnshops	10 249 099 €	12 760 490 €	13 784 502 €

Tax debts

No tax debt found

No tax debt as of 05.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Hans Pajoma	37401XXXXXX	04.01.1974 (52)	Board member	03.04.2025	-
Raido Roos	38107XXXXXX	24.07.1981 (44)	Board member	11.01.2021	-
Tea Kaasik	47405XXXXXX	28.05.1974 (52)	Board member	09.10.2017	-
Toomas Paju	37103XXXXXX	09.03.1971 (55)	Board member	19.11.2010	-

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

1 - 4 / 4 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
Boris Shesterikov	37211XXXXXX	16.11.1972 (53)	Shareholder	810 000,00 EUR	13,17	Sole ownership	22.01.2026	-
Marina Lipavski	47501XXXXXX	18.01.1975 (51)	Shareholder	1 620 000,00 EUR	26,33	Sole ownership	16.08.2023	-
Toomas Paju	37103XXXXXX	09.03.1971 (55)	Shareholder	1 620 000,00 EUR	26,33	Sole ownership	16.08.2023	-

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

1 - 3 / 3 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Madis Toomsalu	38211XXXXXX	02.11.1982 (43)	Chairman of the supervisory board	15.01.2026	-
Kpmg Baltics Oü	-	-	Audit firm	19.07.2022	-
Raiko Vähk	37508XXXXXX	13.08.1975 (50)	Supervisory-board member	13.06.2022	-
Kaido Vestberg	36211XXXXXX	04.11.1962 (63)	Supervisory-board member	10.06.2022	-
Liis Vaik	47112XXXXXX	29.12.1971 (54)	Supervisory-board member	10.06.2022	-

10 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
Boris Shesterikov	37211XXXXXX	16.11.1972 (53)	Direct holding	12.09.2018	-
Marina Lipavski	47501XXXXXX	18.01.1975 (51)	Direct holding	12.09.2018	-
Toomas Paju	37103XXXXXX	09.03.1971 (55)	Direct holding	12.09.2018	-

1 - 3 / 3 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
Rävala Finance AS	29.12.2025	Shareholder	25 000,00 EUR	100	Sole ownership	29.12.2025	-
Rävala Laenud OÜ	14.03.2014	Shareholder	50 000,00 EUR	100	Sole ownership	16.08.2023	-

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

1 - 2 / 2 rows

2026 Q1

Turnover

Amount

12 066 €

Monthly average

4 022 €

Per employee

96 €

Equity ratio

0,07%

Labour taxes

Turnover ratio

3 504,17%

Tax ratio

103,53%

Monthly average

140 938 €

Per employee

3 396 €

State taxes

Monthly average

136 132 €

Turnover ratio

3 384,68%

Estimated salary

Gross salary

5 960 €

Net salary

4 578 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	-	8 797 750 €137.6%	3 702 342 €31.6%	5 410 703 €23.1%	4 394 593 €22.1%	3 597 857 €
Non-current assets	-	82 391 936 €4.6%	86 378 496 €25.5%	68 837 584 €29.9%	52 993 216 €2.1%	54 137 128 €
Total assets	105 930 520 €16.2%	91 189 688 €1.2%	90 080 840 €21.3%	74 248 288 €29.4%	57 387 808 €0.6%	57 734 984 €
Short-term liabilities	-	-	-	-	-	-
Long-term liabilities	-	-	-	-	-	-
Total liabilities	-	-	-	-	-	-
Share or stock capital	-	5 383 334 €	5 383 334 €	5 383 334 €0.9%	5 333 334 €	5 333 334 €
Retained earnings	-	8 099 869 €28.3%	6 315 312 €18.3%	5 340 009 €13.2%	4 715 883 €16.0%	4 065 892 €
Net profit	-	3 106 678 €11.0%	2 800 018 €40.3%	1 995 208 €52.2%	1 311 043 €0.2%	1 307 953 €
Equity	-	16 589 881 €14.4%	14 498 664 €14.0%	12 718 551 €12.0%	11 360 260 €6.1%	10 707 179 €
Turnover	13 784 502 €8.0%	12 760 490 €24.5%	10 249 099 €29.8%	7 897 088 €21.1%	6 521 974 €3.1%	6 731 179 €
Profit margin	0.00%	24.35%10.9%	27.32%8.1%	25.27%25.7%	20.10%3.5%	19.43%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	-	-	-	-	-
Quick ratio	-	-	-	-	-
Cash ratio	-	-	-	-	-
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	T.P	N.H	L.W	0.8	0.8
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	J.T%	H.L%	Z.Z%	0.0%	0.0%
Return on equity (roe)	J.E%	K.E%	A.V%	0.0%	0.0%

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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 10130030 / M10	19.01.2026	Order to remedy deficiencies - Amendment entry	03.02.2026	Deficiencies remedied (19.01.2026)
Ä 10130030 / 28	19.01.2026	Entry - Amendment entry		Entered into force (19.01.2026)
Ä 10130030 / 27	03.04.2025	Entry - Amendment entry		Entered into force (03.04.2025)
Ä 10130030 / M9	20.07.2022	Order to remedy deficiencies for correcting extra-entry data	03.08.2022	Deficiencies remedied (21.07.2022)
Ä 10130030 / M8	20.06.2022	Order to remedy deficiencies for correcting extra-entry data - Amendment entry	20.07.2022	Deficiencies remedied (21.06.2022)

1 - 5 / 41 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
2-25-19673/19						16.04.2026
2-25-14935/11						20.02.2026
2-22-17809/66						28.11.2025
2-25-11599/4	Civil case	Court judgment (Default judgment)	Law of obligations	Karin Mölder	ECLI:EE:HMK:2025:2.25.11599.20690	04.11.2025
2-25-10256/4	Civil case	Court judgment (Default judgment)	Law of obligations	Merike Varusk	ECLI:EE:HMK:2025:2.25.10256.20077	29.10.2025

1 - 5 / 110 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	25.05.2026
Notice of auction of immovable property in enforcement proceedings	25.05.2026
Notice of auction of immovable property in enforcement proceedings	22.05.2026
Notice of auction of immovable property in enforcement proceedings	22.05.2026

1 - 5 / 188 rows

Public transactions

No public transactions found

Company has no public transactions

.ee domains

Domain	Status	Registered	Expires	End
hestonpank.ee	Active	23.02.2024	24.02.2027	-
hestonbank.ee	Active	23.02.2024	24.02.2027	-
heston.ee	Active	23.02.2024	24.02.2027	-
1203pank.ee	Active	07.02.2024	08.02.2027	-
kasvupank.ee	Active	07.02.2024	08.02.2027	-

1 - 5 / 11 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