General information

Contacts

Industries

Jah

VAT liability

Annual reports

✓

Unsubmitted declarations

???

Credit rating

Tax data

✓

Tax debts

Related persons

Holdings in companies

Statistics

Summary of reports

Licenses

Regulations

Real estate

TTJA decisions

Court decisions

Official announcements

Public transactions

.ee domains

✓

Enforcement proceedings

✓

Payment orders

OÜ Polar Finance

Legal form:

Private limited company

Registry code:

11942260

VAT no.:

EE102924806

Fiscal-year period:

01.07 - 30.06

Established:

17.05.2010 (16)

Capital:

2 560 EUR

Address:

Estonia pst 15a, Kesklinna linnaosa, Tallinn, Harju maakond, 10141

Status:

Registered

Contacts

Email:

Janek.Kukk@polarfinance.eu

Phone:

+372 6117520

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
EE102924806	17.10.2025

Annual reports

Aggregate data

	Period	Submitted
2024	01.01.2024 - 30.06.2025	04.12.2025	Valid
2023	01.01.2023 - 31.12.2023	12.03.2025	Valid
2022	01.01.2022 - 31.12.2022	29.12.2023	Valid
2021	01.01.2021 - 31.12.2021	20.01.2023	Valid
2020	01.01.2020 - 31.12.2020	10.02.2022	Valid
2019	01.01.2019 - 31.12.2019	14.07.2021	Valid
2018	01.01.2018 - 31.12.2018	10.10.2019	Valid
2017	01.01.2017 - 31.12.2017	12.09.2018	Valid
2016	01.01.2016 - 31.12.2016	29.12.2017	Valid
2015	01.01.2015 - 31.12.2015	23.02.2017	Valid
2014	01.01.2014 - 31.12.2014	19.04.2016	Valid
2013	01.01.2013 - 31.12.2013	29.01.2015	Valid
2012	01.01.2012 - 31.12.2012	04.02.2014	Valid
2011	01.01.2011 - 31.12.2011	26.10.2012	Valid
2010	17.05.2010 - 31.12.2010	29.12.2011	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 06.06.2026.

???

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

Court decisions

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	2 929 €	2 361 €	0 €100.0%	1
Kokku 2026:	2 929 €	2 361 €	0 €
2025 Q4	60 790 €	2 646 €	240 134 €	1
2025 Q3	2 532 €	2 646 €	0 €	1
2025 Q2	2 532 €	2 646 €	0 €	1
2025 Q1	3 204 €	2 579 €	0 €	1
Kokku 2025:	69 058 €	10 517 €	240 134 €
2024 Q4	2 800 €	2 445 €	0 €	1
2024 Q3	2 333 €	2 445 €	0 €	1
2024 Q2	2 750 €	2 445 €	0 €	1
2024 Q1	1 642 €	1 741 €	0 €	1
Kokku 2024:	9 525 €	9 076 €	0 €
2023 Q4	2 393 €	2 056 €	0 €	1
2023 Q3	1 964 €	2 056 €	0 €	1
2023 Q2	3 692 €	3 541 €	0 €	1
2023 Q1	2 253 €	1 964 €	0 €	1
Kokku 2023:	10 302 €	9 617 €	0 €
2022 Q4	1 831 €	1 919 €	0 €	1
2022 Q3	1 831 €	1 919 €	0 €	1
2022 Q2	2 764 €	2 852 €	0 €	1
2022 Q1	1 847 €	1 919 €	0 €	1
Kokku 2022:	8 272 €	8 608 €	0 €
2021 Q4	1 831 €	1 919 €	0 €	1
2021 Q3	1 831 €	1 919 €	0 €	1
2021 Q2	1 831 €	1 919 €	0 €	1
2021 Q1	1 824 €	1 894 €	0 €	2
Kokku 2021:	7 316 €	7 650 €	0 €
2020 Q4	1 761 €	1 846 €	0 €	2
2020 Q3	1 761 €	1 846 €	0 €	2
2020 Q2	6 767 €	3 351 €	0 €	2
2020 Q1	6 747 €	2 581 €	0 €	2
Kokku 2020:	17 036 €	9 624 €	0 €
2019 Q4	6 640 €	1 195 €	0 €	2
2019 Q3	6 500 €	0 €	0 €	2
2019 Q2	5 253 €	772 €	0 €	1
2019 Q1	5 754 €	978 €	0 €	1
Kokku 2019:	24 147 €	2 945 €	0 €
2018 Q4	7 500 €	0 €	0 €	0
2018 Q3	2 500 €	0 €	0 €	0
2018 Q2	6 258 €	0 €	0 €	0
2018 Q1	0 €	0 €	0 €	0
Kokku 2018:	16 258 €	0 €	0 €
2017 Q4	12 299 €	2 465 €	0 €	1
2017 Q3	0 €	0 €	0 €	0
2017 Q2	0 €	0 €	0 €	0
2017 Q1	0 €	0 €	0 €	0
Kokku 2017:	12 299 €	2 465 €	0 €
2016 Q4	304 €	0 €	0 €	0
2016 Q3	0 €	0 €	0 €	0
2016 Q2	0 €	0 €	0 €	0
2016 Q1	305 €	0 €	0 €	0
Kokku 2016:	609 €	0 €	0 €
2015 Q4	1 318 €	0 €	0 €	0
2015 Q3	1 015 €	0 €	0 €	0
2015 Q2	0 €	0 €	0 €	0
2015 Q1	305 €	0 €	0 €	0
Kokku 2015:	2 638 €	0 €	0 €

Revenue by industry

	2022	2023	2024
Other lending, excl. pawnshops	192 880 €	95 476 €	119 516 €

Tax debts

No tax debt found

No tax debt as of 06.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Janek Kukk	37002XXXXXX	14.02.1970 (56)	Board member	17.05.2010	-

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

1 - 1 / 1 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
Janek Kukk	37002XXXXXX	14.02.1970 (56)	Shareholder	2 560,00 EUR	100	Sole ownership	01.04.2026	-

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
Merike Kiisk	46404XXXXXX	21.04.1964 (62)	Audit firm	21.02.2022	-
Osaühing Polar Holding	-	-	Founder	17.05.2010	-

1 - 2 / 2 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
HELLE KUKK	44501XXXXXX	11.01.1945 (81)	Direct holding	31.10.2018	-
Janek Kukk	37002XXXXXX	14.02.1970 (56)	Direct holding	31.10.2018	-

1 - 2 / 2 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
PolarWahe1 OÜ	12.02.2021	Shareholder	3 751,00 EUR	100	Sole ownership	11.09.2023	-
OÜ UNIRE INVEST	24.11.1998	Shareholder	1 278,00 EUR	50	Sole ownership	01.09.2023	-
WaheHolding OÜ	11.05.2015	Shareholder	1 000,00 EUR	40	Sole ownership	01.09.2023	-
Briketipoisid OÜ	30.04.2009	Shareholder	5 112,00 EUR	39,99	Sole ownership	02.09.2023	-
OÜ Bravalla	28.07.2011	Shareholder	1 000,00 EUR	33,33	Sole ownership	02.09.2023	-

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

1 - 5 / 8 rows

2026 Q1

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

80,61%

Monthly average

787 €

Per employee

787 €

State taxes

Monthly average

976 €

Turnover ratio

0,00%

Estimated salary

Gross salary

1 567 €

Net salary

1 310 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	1 633 120 €26.1%	2 208 774 €5.4%	2 095 529 €50.6%	4 238 628 €11.9%	4 812 563 €44.8%	3 322 589 €
Non-current assets	4 770 990 €5.1%	5 026 997 €15.6%	5 953 527 €32.4%	4 495 180 €92.6%	2 333 819 €44.1%	4 173 663 €
Total assets	6 404 110 €11.5%	7 235 771 €10.1%	8 049 056 €7.8%	8 733 808 €22.2%	7 146 382 €4.7%	7 496 252 €
Short-term liabilities	531 883 €53.6%	1 147 326 €14.4%	1 003 087 €39.2%	1 650 493 €266.9%	449 860 €29.5%	638 029 €
Long-term liabilities	334 923 €56.4%	214 088 €1.9%	210 008 €44.2%	376 108 €67.6%	224 399 €40.0%	374 098 €
Total liabilities	866 806 €36.3%	1 361 414 €12.2%	1 213 095 €40.1%	2 026 601 €200.6%	674 259 €33.4%	1 012 127 €
Share or stock capital	2 560 €	2 560 €	2 560 €	2 560 €	2 560 €	2 560 €
Retained earnings	5 831 797 €12.5%	6 663 401 €0.6%	6 704 647 €4.4%	6 419 563 €1.0%	6 481 565 €3.5%	6 263 081 €
Net profit	-297 053 €62.5%	-791 604 €714.8%	128 754 €54.8%	285 084 €2 475.3%	-12 002 €105.5%	218 484 €
Equity	5 537 304 €5.7%	5 874 357 €14.1%	6 835 961 €1.9%	6 707 207 €3.6%	6 472 123 €0.2%	6 484 125 €
Turnover	129 516 €35.3%	95 720 €50.6%	193 700 €10.1%	215 533 €23.9%	283 259 €4.2%	295 581 €
Profit margin	-229.36%72.3%	-827.00%1 344.2%	66.47%49.7%	132.27%3 221.7%	-4.24%105.7%	73.92%

Financial ratios

	2023	2022	2021	2020	2019
Profit and cash flow
EBITDA	-H GWB CUX	-	-	-	-
Liquidity
Current ratio	D.E	F.D	I.T	10.7	5.2
Quick ratio	M.U	B.F	I.L	10.7	5.2
Cash ratio	I.W	X.M	F.J	0.0	0.0
Efficiency
Days sales outstanding (dso)	W ZAB.H	R ELW.F	R RYZ.D	5 236.2	4 252.4
Asset turnover	V.X	A.K	Z.R	0.0	0.0
Structure
Debt ratio	A.H	O.E	U.I	0.1	0.1
Profitability
Operating margin	-L GSJ.H%	-MMD.B%	-RQS.G%	-8.8%	74.8%
Net profit margin	-SSI.G%	AS.W%	YON.J%	-4.2%	73.9%
Return on assets (roa)	-KF.I%	J.N%	S.Q%	-0.2%	3.1%
Return on equity (roe)	-JZ.D%	M.B%	Y.E%	-0.2%	3.4%

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 10143452 / 26	10.04.2026	Entry - Amendment entry		Entered into force (10.04.2026)
Ä 10143452 / 25	01.04.2026	Entry - Amendment entry		Entered into force (01.04.2026)
Ä 10143452 / M18	31.03.2026	Directive order - Change of shareholders	10.04.2026	Deficiencies remedied (02.04.2026)
Ä 10143452 / 24	23.03.2026	Entry - Amendment entry		Entered into force (23.03.2026)
Ä 10143452 / M17	16.03.2026	Order to remedy deficiencies - Change of shareholders	15.04.2026	Deficiencies remedied (23.03.2026)

1 - 5 / 44 rows

Real estate

Address	Area	Purpose
Kalamehe tee 10, Pirita linnaosa, Tallinn, Harju maakond	999 m²	Residential land 100%
Laanekivi tee 5, Haabneeme alevik, Viimsi vald, Harju maakond	3547 m²	Commercial land 20%, Public-use land 80%

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

1 - 2 / 2 rows

Consumer Disputes Committee decisions

No consumer dispute committee decisions found

Company has not been issued consumer dispute committee decisions

Official announcements

Subject	Date
Notice of division of a company	04.09.2025

OÜ Polar Finance

Contacts

Industries

VAT liability

Annual reports

Unsubmitted declarations

No unsubmitted declarations found

Credit rating

Hidden

Tax data

Revenue by industry

Tax debts

No tax debt found

Representatives

Shareholders

Other persons

Ultimate beneficial owners

Holdings in companies

Holdings in companies

Aggregate data

Financial ratios

Licences & notices

No licenses and notices found

Regulations

Regulations

Real estate

Real estate

Consumer Disputes Committee decisions

No consumer dispute committee decisions found

Official announcements

Official announcements

Public transactions

No public transactions found

.ee domains

No domains found

Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found