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 (17 y)
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
LEI code:: 2549001GLKCVAEKB9412

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Contacts

Phone:: +372 6988710

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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
64991 – Other financial service activities n.e.c., except insurance and pension funding

Industry TOPNo. 3 of 219 companies

1.VGFS Financial Services Estonia OÜ9.3M €
2.Montonio Finance OÜ5.2M €
3.Creditstar Group AS4.5M €
4.Wise Assets Europe AS4.4M €
5.Or Technologies Limited OÜ4.2M €
6.Saturn Investments OÜ2.9M €
7.Brink's Estonia OÜ2.8M €
8.Maksekeskus AS2.1M €
9.Sihtasutus Keskkonnainvesteeringute Keskus2M €
10.Lightyear Europe AS2M €

Main activity 64991 · turnover over the last 4 quarters

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VAT liability

VAT no.	Start	End
EE101446505	17.10.2022	-
EE101446505	04.05.2011	14.11.2012

Annual reports

Aggregate data

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

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 24.10.2026.

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Tax debt Reports Declarations Court decisions3 Official announcements–TTJA decisions–Real estate–.ee domains1 Licenses–Regulations21 Public transactions–Grants–State aid–Public procurement–Holdings in companies1 Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	171 518 €	9 583 €	1,36 M €+11,7%	1
2026 Q2	154 322 €	9 353 €	1,21 M €+14,0%	1
2026 Q1	139 342 €	12 520 €	1,06 M €+19,3%	1
Total 2026:	465 182 €	31 456 €	3,63 M €
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
Total 2025:	303 931 €	39 359 €	2,31 M €
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
Total 2024:	108 758 €	30 942 €	732 009 €
2023 Q4	12 571 €	5 145 €	78 252 €+139%	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
Total 2023:	33 171 €	20 120 €	145 452 €
2022 Q4	16 299 €	8 112 €	87 826 €	1
2022 Q3	4 873 €	5 245 €	-	1
2022 Q2	4 873 €	5 245 €	-	1
2022 Q1	7 818 €	8 438 €	-	1
Total 2022:	33 863 €	27 040 €	87 826 €
2021 Q4	2 838,81 €	3 040,56 €	-	1
2021 Q3	4 879,90 €	5 253,43 €	-	1
2021 Q2	2 838,81 €	3 040,56 €	-	1
2021 Q1	2 838,81 €	3 040,56 €	-	2
Total 2021:	13 396,33 €	14 375,11 €	0 €
2020 Q4	2 838,81 €	3 040,56 €	-	2
2020 Q3	163 983,01 €	1 570,66 €	-	2
2020 Q2	805,11 €	835,71 €	-	1
2020 Q1	805 €	836 €	0 €	1
Total 2020:	168 431,93 €	6 282,93 €	0 €
2019 Q4	805 €	836 €	0 €	1
2019 Q3	805 €	836 €	0 €	1
2019 Q2	537 €	557 €	0 €	1
Total 2019:	2 147 €	2 229 €	0 €
2015 Q4	0 €	0 €	0 €−100%	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
Total 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 24.10.2026

Representatives

	Personal ID code
Latvian Central Depository	40003XXXXXX	-	Share-register keeper	28.09.2017	-
Aaro Sosaar	38503XXXXXX	05.03.1985 (41)	Board member	05.10.2009	-

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Shareholders

	Personal ID code
SA Financial Investments OÜ	12718041	10.09.2014 (12)	Shareholder	21 000 042 EUR	100,00%	Sole ownership	19.03.2025	-

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Other persons

	Personal ID code
Valter Kaleta	38405XXXXXX	08.05.1984 (42)	Supervisory-board member	18.01.2023	-
KPMG Baltics OÜ	10096082	22.11.1996 (29)	Audit firm	21.12.2021	-
Kristjan Vahar	38507XXXXXX	03.07.1985 (41)	Supervisory-board member	04.07.2018	-
Silva Sosaar	45902XXXXXX	08.02.1959 (67)	Chairman of the supervisory board	04.07.2018	-
Baltic Capital Partners OÜ	11520808	06.08.2008 (18)	Founder	05.10.2009	-

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Ultimate beneficial owners

	Personal ID code
Aaro Sosaar	38503XXXXXX	05.03.1985 (41)	Indirect holding	31.10.2018	-

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Holdings in companies


Creditstar International OÜ	23.11.2010	Shareholder	2 500 000 EUR	100,00%	Sole ownership	02.09.2023	-

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2026 Q3

Turnover

Amount: 1 355 454 €
Monthly average: 451 818 €
Per employee: 451 818 €
Equity ratio: 2,15%

Labour taxes

Turnover ratio: 0,71%
Tax ratio: 5,59%
Monthly average: 3 194 €
Per employee: 3 194 €

State taxes

Monthly average: 57 173 €
Turnover ratio: 12,65%

Estimated salary

Gross salary: 5 642 €
Net salary: 4 396 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	-	961 691 €+582%	141 053 €+4 375%	-	-	3 152 €−99,7%	1 171 000 €
Non-current assets	-	1 502 021 €+1 154%	119 786 €+526%	-	-	19 147 €−99,9%	23 786 000 €
Total assets	16 177 000 €+11,3%	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	-	47 242 €+573%	7 021 €+792%	-	-	787 €−96,4%	22 000 €
Long-term liabilities	-	-	144 426 €	-	-	-	-
Total liabilities	-	47 242 €−68,8%	151 447 €+19 144%	-	-	787 €−96,4%	22 000 €
Share or stock capital	-	-	-	-	-	-	21 000 000 €
Retained earnings	-	2 312 976 €+1 166%	182 764 €−95,4%	-	-	-	3 941 000 €
Net profit	-	100 682 €+297%	-51 232 €−37 850%	-	-	-135 €+97,8%	-6 000 €
Equity	-	2 416 470 €+1 703%	134 032 €+5 567%	-	-	2 365 €−100,0%	24 935 000 €
Turnover	1 895 000 €+16,6%	1 625 000 €+14,8%	1 415 000 €+373%	299 000 €+595%	43 000 €	-	-
Profit margin	-	6,2%	-3,6%	-	-	-	-

Financial ratios

	2019	2017	2016
Profit and cash flow
EBITDA	-	-	-
Liquidity
Current ratio
Quick ratio
Cash ratio
Efficiency
Days sales outstanding (dso)
Asset turnover
Structure
Debt ratio
Profitability
Operating margin
Net profit margin
Return on assets (roa)
Return on equity (roe)

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 10134601 / M9	13.10.2025	Fine-warning order – annual-report deficiencies	12.11.2025	Deficiencies remedied04.11.2025
Ä 10134601 / M8	30.07.2025	Order to remedy annual-report deficiencies	29.08.2025	Deficiencies remedied04.11.2025
Ä 10134601 / M7	11.09.2024	Order to remedy annual-report deficiencies	11.10.2024	Deficiencies remedied18.10.2024
Ä 10134601 / M6	18.01.2024	Fine order	02.02.2024	Entered into force05.02.2024
Ä 10134601 / M5	30.11.2023	Fine-warning order – annual-report deficiencies	30.12.2023	Entered into force30.11.2023

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


2-21-14229/28	Kohtu I astme menetlus	Court rulingOrder to leave the matter unexamined	Debt restructuring proceedings	Ülle Raag	ECLI:EE:TMK:2022:2.21.14229.2703	11.01.2022	Open
2-14-3190/22	Määruskaebusmenetlus	Court ruling	-	Ulvi Loonurm, Tiit Kollom, Reet Allikvere	ECLI:EE:TLRK:2015:2.14.3190.3940	04.02.2015	Open
3-2-1-32-14	Kassatsioonimenetlus	Court ruling	-	-	ECLI:EE:RK:2014:3.2.1.32.14.297	14.05.2014	Open

Official announcements

No official announcements found

Company has no issued official announcements

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


creditstar.ee	Active	04.07.2010	10.12.2026

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.