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Avor Kindlustusmaakler OÜ

Legal form:

Private limited company

Registry code:

11730724

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

09.10.2009 (16)

Capital:

2 555 EUR

Address:

Rääma tn 7d/2-8, Pärnu linn, Pärnu linn, Pärnu maakond, 80037

Status:

Registered

Contacts

Email:

info@avor.ee

Phone:

+372 5118812

Phone:

+372 6628556

Website:

https://www.avor.ee

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Auxiliary activities of financial services and insurance
Auxiliary activities for insurance and pension funding
Activities of insurance agents and brokers
66222 - Activities of insurance brokers

VAT liability

No VAT obligation history found

Company has not been issued any VAT ID number

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	10.03.2026	Valid
2024	01.01.2024 - 31.12.2024	06.03.2025	Valid
2023	01.01.2023 - 31.12.2023	09.03.2024	Valid
2022	01.01.2022 - 31.12.2022	04.03.2023	Valid
2021	01.01.2021 - 31.12.2021	19.03.2022	Valid
2020	01.01.2020 - 31.12.2020	21.03.2021	Valid
2019	01.01.2019 - 31.12.2019	27.03.2020	Valid
2018	01.01.2018 - 31.12.2018	16.04.2019	Valid
2017	01.01.2017 - 31.12.2017	12.04.2018	Valid
2016	01.01.2016 - 31.12.2016	04.04.2017	Valid
2015	01.01.2015 - 31.12.2015	07.04.2016	Valid
2014	01.01.2014 - 31.12.2014	07.04.2015	Valid
2013	01.01.2013 - 31.12.2013	14.04.2014	Valid
2012	01.01.2012 - 31.12.2012	25.04.2013	Valid
2011	01.01.2011 - 31.12.2011	06.03.2012	Valid
2010	10.10.2009 - 31.12.2010	18.04.2011	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 07.06.2026.

???

Credit rating

Hidden

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

020406080100

? Risk factors

? Strengths

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	5 431 €	4 529 €	0 €	1
Kokku 2026:	5 431 €	4 529 €	0 €
2025 Q4	6 030 €	5 145 €	0 €	1
2025 Q3	6 030 €	5 145 €	0 €	1
2025 Q2	6 030 €	5 145 €	0 €	1
2025 Q1	7 229 €	4 650 €	0 €	1
Kokku 2025:	25 319 €	20 085 €	0 €
2024 Q4	7 288 €	5 011 €	0 €	1
2024 Q3	5 845 €	4 771 €	0 €	1
2024 Q2	5 147 €	4 561 €	0 €	1
2024 Q1	4 860 €	4 200 €	0 €	1
Kokku 2024:	23 140 €	18 543 €	0 €
2023 Q4	5 498 €	4 254 €	0 €	1
2023 Q3	5 010 €	4 107 €	0 €	1
2023 Q2	4 577 €	3 980 €	0 €	1
2023 Q1	4 344 €	3 382 €	0 €	1
Kokku 2023:	19 429 €	15 724 €	0 €
2022 Q4	8 762 €	3 447 €	0 €	1
2022 Q3	3 953 €	3 265 €	0 €	1
2022 Q2	3 720 €	3 195 €	0 €	1
2022 Q1	3 451 €	2 909 €	0 €	1
Kokku 2022:	19 886 €	12 816 €	0 €
2021 Q4	3 316 €	2 766 €	0 €	1
2021 Q3	3 316 €	2 766 €	0 €	1
2021 Q2	3 316 €	2 766 €	0 €	1
2021 Q1	4 271 €	2 730 €	0 €	2
Kokku 2021:	14 220 €	11 029 €	0 €
2020 Q4	3 683 €	2 469 €	0 €	2
2020 Q3	3 357 €	2 778 €	0 €	2
2020 Q2	3 473 €	2 814 €	0 €	2
2020 Q1	3 397 €	2 597 €	0 €	2
Kokku 2020:	13 910 €	10 658 €	0 €
2019 Q4	3 752 €	2 342 €	0 €	2
2019 Q3	3 377 €	2 342 €	0 €	2
2019 Q2	3 266 €	2 302 €	0 €	2
2019 Q1	3 105 €	2 394 €	0 €	2
Kokku 2019:	13 500 €	9 380 €	0 €
2018 Q4	3 378 €	2 149 €	0 €	2
2018 Q3	3 146 €	2 149 €	0 €	2
2018 Q2	3 116 €	2 149 €	0 €	2
2018 Q1	2 898 €	1 922 €	0 €	2
Kokku 2018:	12 538 €	8 369 €	0 €
2017 Q4	2 715 €	1 838 €	0 €	2
2017 Q3	2 856 €	1 833 €	0 €	2
2017 Q2	2 502 €	1 833 €	0 €	2
2017 Q1	3 101 €	1 769 €	0 €100.0%	2
Kokku 2017:	11 174 €	7 273 €	0 €100.0%
2016 Q4	2 493 €	1 777 €	21 717 €0.0%	2
2016 Q3	2 745 €	1 777 €	21 717 €0.0%	2
2016 Q2	2 743 €	1 777 €	21 717 €0.9%	2
2016 Q1	2 732 €	1 761 €	21 518 €0.1%	2
Kokku 2016:	10 713 €	7 092 €	86 669 €0.4%
2015 Q4	2 475 €	1 736 €	21 542 €2.0%	1
2015 Q3	3 019 €	1 771 €	21 979 €2.5%	1
2015 Q2	2 487 €	1 728 €	21 440 €2.7%	1
2015 Q1	2 480 €	1 776 €	22 038 €	1
Kokku 2015:	10 461 €	7 011 €	86 999 €

Revenue by industry

	2023	2024	2025
Activities of insurance brokers		204 487 €	196 500 €
Activities of insurance agents and brokers	190 580 €

Tax debts

No tax debt found

No tax debt as of 07.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Kalmet Kala	36703XXXXXX	23.03.1967 (59)	Board member	09.10.2009	-

1 - 1 / 1 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
Kalmet Kala	36703XXXXXX	23.03.1967 (59)	Shareholder	2 044,00 EUR	80	Sole ownership	02.09.2023	-
Lea-Mai Sepsivart	46605XXXXXX	02.05.1966 (60)	Shareholder	511,00 EUR	20	Sole ownership	02.09.2023	-

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

1 - 2 / 2 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Kalmet Kala	36703XXXXXX	23.03.1967 (59)	Founder	09.10.2009	-
Lea-Mai Sepsivart	46605XXXXXX	02.05.1966 (60)	Founder	09.10.2009	-
Osaühing WiseSoft	-	-	Founder	09.10.2009	-

1 - 3 / 3 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Kalmet Kala	36703XXXXXX	23.03.1967 (59)	Direct holding	03.09.2018	-
Lea-Mai Sepsivart	46605XXXXXX	02.05.1966 (60)	Direct holding	03.09.2018	-

1 - 2 / 2 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q1

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

83,39%

Monthly average

1 510 €

Per employee

1 510 €

State taxes

Monthly average

1 810 €

Turnover ratio

0,00%

Estimated salary

Gross salary

2 784 €

Net salary

2 215 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	324 722 €32.1%	478 448 €9.8%	435 742 €24.4%	350 262 €17.8%	297 365 €11.1%	267 711 €26.7%	211 213 €
Non-current assets	234 500 €24 793.8%	942 €58.3%	2 257 €37.2%	3 596 €37.1%	5 717 €125.9%	2 531 €1 788.8%	134 €
Total assets	559 222 €16.7%	479 390 €9.5%	437 999 €23.8%	353 858 €16.8%	303 082 €12.2%	270 242 €27.9%	211 347 €
Short-term liabilities	47 657 €13.6%	41 956 €23.0%	54 490 €26.6%	43 029 €17.9%	36 490 €15.5%	43 174 €22.5%	35 238 €
Long-term liabilities	-	-	-	-	-	-	-
Total liabilities	47 657 €13.6%	41 956 €23.0%	54 490 €26.6%	43 029 €17.9%	36 490 €15.5%	43 174 €22.5%	35 238 €
Share or stock capital	2 555 €	2 555 €	2 555 €	2 555 €	2 555 €	2 555 €	2 555 €
Retained earnings	413 962 €21.6%	340 345 €21.1%	281 110 €26.1%	222 925 €8.5%	205 467 €35.7%	151 434 €29.0%	117 416 €
Net profit	95 048 €0.5%	94 534 €5.3%	99 844 €17.0%	85 349 €45.7%	58 570 €19.9%	73 079 €30.2%	56 138 €
Equity	511 565 €16.9%	437 434 €14.1%	383 509 €23.4%	310 829 €16.6%	266 592 €17.4%	227 068 €28.9%	176 109 €
Turnover	196 500 €3.9%	204 487 €7.3%	190 580 €13.0%	168 723 €22.2%	138 043 €6.7%	129 325 €11.7%	115 800 €
Profit margin	48.37%4.6%	46.23%11.8%	52.39%3.6%	50.59%19.2%	42.43%24.9%	56.51%16.6%	48.48%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	JD BHY	CN HGM	FU JQU	61 622	57 515
Liquidity
Current ratio	FC.O	G.J	S.H	8.1	6.2
Quick ratio	IO.L	R.B	I.O	8.1	6.2
Cash ratio	M.L	X.Y	D.M	2.6	3.0
Efficiency
Days sales outstanding (dso)	DF.J	ZQ.W	EN.D	4.9	4.5
Asset turnover	P.J	N.D	P.C	0.5	0.5
Structure
Debt ratio	I.E	X.I	I.M	0.1	0.2
Profitability
Operating margin	XQ.N%	WL.Q%	PK.Z%	43.8%	43.6%
Net profit margin	IO.Y%	RB.R%	YV.C%	42.4%	56.5%
Return on assets (roa)	PG.O%	FA.E%	SE.C%	20.4%	30.3%
Return on equity (roe)	LY.P%	AB.C%	EM.U%	22.0%	32.2%

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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 10134810 / 7	21.04.2026	Entry - Amendment entry		Entered into force (21.04.2026)
Ä 10134810 / M2	10.04.2026	Order to remedy deficiencies - Amendment entry	28.04.2026	Deficiencies remedied (16.04.2026)
Ä 10134810 / 6	02.09.2023	Entry - Amendment entry		Entered into force (02.09.2023)
Ä 10134810 / 5	17.01.2018	Entry - Amendment entry		Entered into force (17.01.2018)
Ä 10134810 / 4	01.12.2017	Entry - Amendment entry		Entered into force (01.12.2017)

1 - 5 / 9 rows

Real estate

Address	Area	Purpose
Rääma tn 7d, Pärnu linn, Pärnu linn, Pärnu maakond	2517 m²	Commercial land 10%, Residential land 90%

Avor Kindlustusmaakler OÜ

Contacts

Industries

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No VAT obligation history found

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Hidden

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Revenue by industry

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Representatives

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Ultimate beneficial owners

Holdings in companies

No holdings in companies found

Aggregate data

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Regulations

Real estate

Real estate

Consumer Disputes Committee decisions

No consumer dispute committee decisions found

Official announcements

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Public transactions

No public transactions found

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No domains found

Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found