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Creditstar Group AS

Legal form:

Public limited company

Registry code:

11728905

VAT no.:

EE101446505

Fiscal-year period:

01.01 - 31.12

Established:

05.10.2009 (16)

Former business names:

Creditstar Group OÜ, SMS Financial Group OÜ

Capital:

21 000 042 EUR

Address:

Kai tn 4, Kesklinna linnaosa, Tallinn, Harju maakond, 10111

Status:

Registered

Contacts

Email:

Phone:

+372 6988710

Website:

http://www.creditstar.com

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Provision of financial services, except insurance and pension funds
Provision of other financial services, except insurance and pension funding
64991 - Other financial service activities n.e.c., except insurance and pension funding

VAT liability

	Start	End
EE101446505	17.10.2022
EE101446505	04.05.2011	14.11.2012

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	26.06.2026	Valid
2024	01.01.2024 - 31.12.2024	04.11.2025	Valid
2024	01.01.2024 - 31.12.2024	07.07.2025	Expired
2023	01.01.2023 - 31.12.2023	18.10.2024	Valid
2023	01.01.2023 - 31.12.2023	01.07.2024	Expired
2022	01.01.2022 - 31.12.2022	20.02.2024	Valid
2022	01.01.2022 - 31.12.2022	28.07.2023	Expired
2021	01.01.2021 - 31.12.2021	25.01.2024	Valid
2021	01.01.2021 - 31.12.2021	27.07.2022	Expired
2020	01.01.2020 - 31.12.2020	21.12.2021	Valid
2019	01.01.2019 - 31.12.2019	30.06.2020	Valid
2019	01.01.2019 - 31.12.2019	30.06.2020	Expired
2018	01.01.2018 - 31.12.2018	31.07.2019	Valid
2017	01.01.2017 - 31.12.2017	31.07.2018	Valid
2016	01.01.2016 - 31.12.2016	10.07.2017	Valid
2015	01.01.2015 - 31.12.2015	05.07.2016	Valid
2014	01.01.2014 - 31.12.2014	30.06.2015	Valid
2013	01.01.2013 - 31.12.2013	27.06.2014	Valid
2012	01.01.2012 - 31.12.2012	28.06.2013	Valid
2011	01.01.2011 - 31.12.2011	05.12.2012	Valid
2010	05.10.2009 - 31.12.2010	14.12.2011	Valid
2010	05.10.2009 - 31.12.2010	30.06.2011	Expired

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 21.07.2026.

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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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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q2	154 322 €	9 353 €	1 213 927 €14.0%	1
2026 Q1	139 342 €	12 520 €	1 064 682 €19.3%	1
Kokku 2026:	293 664 €	21 873 €	2 278 609 €
2025 Q4	115 705 €	9 353 €	892 117 €34.4%	1
2025 Q3	86 292 €	9 353 €	663 906 €48.6%	1
2025 Q2	57 811 €	9 353 €	446 907 €45.9%	1
2025 Q1	44 123 €	11 300 €	306 240 €0.3%	1
Kokku 2025:	303 931 €	39 359 €	2 309 170 €215.5%
2024 Q4	39 873 €	6 615 €	307 020 €56.9%	1
2024 Q3	27 621 €	6 615 €	195 636 €45.6%	1
2024 Q2	24 944 €	11 024 €	134 324 €41.4%	1
2024 Q1	16 320 €	6 688 €	95 029 €21.4%	1
Kokku 2024:	108 758 €	30 942 €	732 009 €403.3%
2023 Q4	12 571 €	5 145 €	78 252 €139.0%	1
2023 Q3	7 341 €	4 410 €	32 738 €51.7%	1
2023 Q2	6 226 €	4 410 €	21 583 €67.6%	1
2023 Q1	7 033 €	6 155 €	12 879 €85.3%	1
Kokku 2023:	33 171 €	20 119 €	145 453 €65.6%
2022 Q4	16 299 €	8 112 €	87 826 €	1
2022 Q3	4 873 €	5 245 €	0 €	1
2022 Q2	4 873 €	5 245 €	0 €	1
2022 Q1	7 818 €	8 438 €	0 €	1
Kokku 2022:	33 862 €	27 041 €	87 826 €
2021 Q4	2 839 €	3 041 €	0 €	1
2021 Q3	4 880 €	5 253 €	0 €	1
2021 Q2	2 839 €	3 041 €	0 €	1
2021 Q1	2 839 €	3 041 €	0 €	2
Kokku 2021:	13 396 €	14 375 €	0 €
2020 Q4	2 839 €	3 041 €	0 €	2
2020 Q3	163 983 €	1 571 €	0 €	2
2020 Q2	805 €	836 €	0 €	1
2020 Q1	805 €	836 €	0 €	1
Kokku 2020:	168 432 €	6 283 €	0 €
2019 Q4	805 €	836 €	0 €	1
2019 Q3	805 €	836 €	0 €	1
2019 Q2	537 €	557 €	0 €	1
Kokku 2019:	2 147 €	2 229 €	0 €
2015 Q4	0 €	0 €	0 €100.0%	0
2015 Q3	2 249 €	2 249 €	378 131 €53.4%	1
2015 Q2	1 467 €	1 467 €	246 559 €13.5%	1
2015 Q1	1 293 €	1 293 €	217 310 €	1
Kokku 2015:	5 009 €	5 009 €	842 000 €

Revenue by industry

	2023	2024	2025
Other financial service activities n.e.c., except insurance and pension funding		1 625 000 €	1 895 000 €
Other lending, excl. pawnshops	1 415 000 €

Tax debts

No tax debt found

No tax debt as of 21.07.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Aaro Sosaar	38503XXXXXX	05.03.1985 (41)	Board member	05.10.2009	-

1 - 1 / 1 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
SA Financial Investments OÜ	-	10.09.2014 (11)	Shareholder	21 000 042,00 EUR	100	Sole ownership	19.03.2025	-

11 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
Valter Kaleta	38405XXXXXX	08.05.1984 (42)	Supervisory-board member	18.01.2023	-
Kpmg Baltics Oü	-	-	Audit firm	21.12.2021	-
Silva Sosaar	45902XXXXXX	08.02.1959 (67)	Chairman of the supervisory board	04.07.2018	-
Kristjan Vahar	38507XXXXXX	03.07.1985 (41)	Supervisory-board member	04.07.2018	-
Baltic Capital Partners OÜ	-	-	Founder	05.10.2009	-

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

1 - 5 / 5 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Aaro Sosaar	38503XXXXXX	05.03.1985 (41)	Indirect holding	31.10.2018	-

1 - 1 / 1 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
Creditstar International OÜ	23.11.2010	Shareholder	2 500 000,00 EUR	100	Sole ownership	02.09.2023	-

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

1 - 1 / 1 rows

2026 Q2

Turnover

Amount

1 213 927 €

Monthly average

404 642 €

Per employee

404 642 €

Equity ratio

1,93%

Labour taxes

Turnover ratio

0,77%

Tax ratio

6,06%

Monthly average

3 118 €

Per employee

3 118 €

State taxes

Monthly average

51 441 €

Turnover ratio

12,71%

Estimated salary

Gross salary

5 491 €

Net salary

4 229 €

Aggregate data

	2025	2024	2024	2023	2022	2021	2020	2019
Current assets	-	-	-	-	-	-	-	1 171 000 €
Non-current assets	-	-	-	-	-	-	-	23 786 000 €
Total assets	16 177 000 €11.3%	14 541 000 €	14 541 000 €11.3%	13 068 000 €10.3%	11 852 000 €59.9%	29 539 000 €49.0%	19 825 000 €20.6%	24 957 000 €
Short-term liabilities	-	-	-	-	-	-	-	22 000 €
Long-term liabilities	-	-	-	-	-	-	-	-
Total liabilities	-	-	-	-	-	-	-	22 000 €
Share or stock capital	-	-	-	-	-	-	-	21 000 000 €
Retained earnings	-	-	-	-	-	-	-	3 941 000 €
Net profit	-	-	-	-	-	-	-	-6 000 €
Equity	-	-	-	-	-	-	-	24 935 000 €
Turnover	1 895 000 €16.6%	1 625 000 €	1 625 000 €14.8%	1 415 000 €373.2%	299 000 €595.3%	43 000 €	-	-
Profit margin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financial ratios

	2019	2017	2016	2014	2012
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	CA.D	I.K	G.J	-	-
Quick ratio	LF.I	P.P	Y.H	-	-
Cash ratio	J.Q	H.X	N.G	-	-
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	S.Y	F.V	W.A	-	-
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	J.H%	Y.U%	D.O%	-	-
Return on equity (roe)	A.H%	T.W%	E.E%	-	-

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

Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 10134601 / M9	13.10.2025	Fine-warning order – annual-report deficiencies	12.11.2025	Deficiencies remedied (04.11.2025)
Ä 10134601 / M8	30.07.2025	Order to remedy annual-report deficiencies	29.08.2025	Deficiencies remedied (04.11.2025)
Ä 10134601 / M7	11.09.2024	Order to remedy annual-report deficiencies	11.10.2024	Deficiencies remedied (18.10.2024)
Ä 10134601 / M6	18.01.2024	Fine order	02.02.2024	Entered into force (05.02.2024)
Ä 10134601 / M5	30.11.2023	Fine-warning order – annual-report deficiencies	30.12.2023	Entered into force (30.11.2023)

1 - 5 / 21 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
2-21-14229/28	Civil case	Court ruling (Order to leave the matter unexamined)	Debt restructuring proceedings	Ülle Raag	ECLI:EE:TMK:2022:2.21.14229.2703	11.01.2022
2-14-3190/22	Civil case	Court ruling		Ulvi Loonurm, Tiit Kollom, Reet Allikvere	ECLI:EE:TLRK:2015:2.14.3190.3940	04.02.2015
3-2-1-32-14	Civil case	Court ruling			ECLI:EE:RK:2014:3.2.1.32.14.297	14.05.2014

1 - 3 / 3 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
creditstar.ee	Active	04.07.2010	10.12.2026	-

1 - 1 / 1 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