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 y)
Capital:: 2 560 EUR
Address:: Estonia pst 15a, Kesklinna linnaosa, Tallinn, Harju maakond, 10141
Status:: Registered

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Contacts

Phone:: +372 6117520
Email:: Janek.Kukk@polarfinance.eu

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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
Other lending
64929 – Other lending, excl. pawnshops

Industry TOPNo. 8 of 17 companies

1.ESTO Holdings OÜ2.5M €
2.Primero Finance OÜ1.3M €
3.PLACET GROUP OÜ1M €
4.ESTO AS979k €
5.BB Finance OÜ341.4k €
6.OÜ SME Capital 3 Estonia336.1k €
7.Engeros Finance OÜ262.8k €
8.OÜ Polar Finance240.2k €
9.Helto Grupp OÜ146.1k €
10.HypoCredit OÜ84.1k €

Main activity 64929 · turnover over the last 4 quarters

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VAT liability

VAT no.	Start	End
EE102924806	17.10.2025	-

Annual reports

Aggregate data

Year	Period	Submitted	Status
2025	01.07.2025 – 30.06.2026	31.12.2026	Not submitted
2024	01.01.2024 – 30.06.2025	04.12.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	12.03.2025	Valid	PDF
2022	01.01.2022 – 31.12.2022	29.12.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	20.01.2023	Valid	PDF
2020	01.01.2020 – 31.12.2020	10.02.2022	Valid	PDF
2019	01.01.2019 – 31.12.2019	14.07.2021	Valid	PDF
2018	01.01.2018 – 31.12.2018	10.10.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	12.09.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	29.12.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	23.02.2017	Valid	PDF
2014	01.01.2014 – 31.12.2014	19.04.2016	Valid	PDF
2013	01.01.2013 – 31.12.2013	29.01.2015	Valid	PDF
2012	01.01.2012 – 31.12.2012	04.02.2014	Valid	PDF
2011	01.01.2011 – 31.12.2011	26.10.2012	Valid	PDF
2010	17.05.2010 – 31.12.2010	29.12.2011	Valid	PDF

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 23.10.2026.

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Tax debt Reports Declarations Court decisions–Official announcements1 TTJA decisions–Real estate2 .ee domains–Licenses–Regulations44 Public transactions–Grants–State aid–Public procurement–Holdings in companies8 Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	2 105 €	2 219 €	42 €	1
2026 Q2	2 105 €	2 219 €	0 €	1
2026 Q1	2 929 €	2 361 €	0 €−100%	1
Total 2026:	7 139 €	6 799 €	42 €
2025 Q4	60 790 €	2 646 €	240 134 €	1
2025 Q3	2 532 €	2 646 €	-	1
2025 Q2	2 532 €	2 646 €	-	1
2025 Q1	3 204 €	2 579 €	-	1
Total 2025:	69 058 €	10 517 €	240 134 €
2024 Q4	2 800 €	2 445 €	-	1
2024 Q3	2 333 €	2 445 €	-	1
2024 Q2	2 750 €	2 445 €	-	1
2024 Q1	1 642 €	1 741 €	-	1
Total 2024:	9 525 €	9 076 €	0 €
2023 Q4	2 393 €	2 056 €	-	1
2023 Q3	1 964 €	2 056 €	-	1
2023 Q2	3 692 €	3 541 €	-	1
2023 Q1	2 253 €	1 964 €	-	1
Total 2023:	10 302 €	9 617 €	0 €
2022 Q4	1 831 €	1 919 €	-	1
2022 Q3	1 831 €	1 919 €	-	1
2022 Q2	2 764 €	2 852 €	-	1
2022 Q1	1 847 €	1 919 €	-	1
Total 2022:	8 273 €	8 609 €	0 €
2021 Q4	1 830,60 €	1 918,56 €	-	1
2021 Q3	1 830,60 €	1 918,56 €	-	1
2021 Q2	1 830,60 €	1 918,56 €	-	1
2021 Q1	1 823,92 €	1 894,33 €	-	2
Total 2021:	7 315,72 €	7 650,01 €	0 €
2020 Q4	1 761,06 €	1 845,87 €	-	2
2020 Q3	1 761,06 €	1 845,87 €	-	2
2020 Q2	6 767,32 €	3 351,25 €	-	2
2020 Q1	6 747 €	2 581 €	0 €	2
Total 2020:	17 036,44 €	9 623,99 €	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
Total 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
Total 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
Total 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
Total 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
Total 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 23.10.2026

Representatives

	Personal ID code
Janek Kukk	37002XXXXXX	14.02.1970 (56)	Board member	17.05.2010	-

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Shareholders

	Personal ID code
Janek Kukk	37002XXXXXX	14.02.1970 (56)	Shareholder	2 560 EUR	100,00%	Sole ownership	01.04.2026	-

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Other persons

	Personal ID code
Merike Kiisk	46404XXXXXX	21.04.1964 (62)	Audit firm	21.02.2022	-
Osaühing Polar Holding	10730060	26.02.2001 (25)	Founder	17.05.2010	-

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Ultimate beneficial owners

	Personal ID code
Janek Kukk	37002XXXXXX	14.02.1970 (56)	Direct holding	31.10.2018	-

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Holdings in companies


PolarWahe1 OÜ	12.02.2021	Shareholder	3 751 EUR	100,00%	Sole ownership	11.09.2023	-
Kipsi Elamud OÜ	16.09.2026	Shareholder	2 000 EUR	66,67%	Sole ownership	29.09.2026	-
OÜ UNIRE INVEST	24.11.1998	Shareholder	1 278 EUR	50,00%	Sole ownership	01.09.2023	-
WaheHolding OÜ	11.05.2015	Shareholder	1 000 EUR	40,00%	Sole ownership	01.09.2023	-
Briketipoisid OÜ	30.04.2009	Shareholder	5 112 EUR	39,99%	Sole ownership	02.09.2023	-

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2026 Q3

Turnover

Amount: 42 €
Monthly average: 14 €
Per employee: 14 €
Equity ratio: 0,55%

Labour taxes

Turnover ratio: 5 283,33%
Tax ratio: 105,42%
Monthly average: 740 €
Per employee: 740 €

State taxes

Monthly average: 702 €
Turnover ratio: 5 011,90%

Estimated salary

Gross salary: 1 453 €
Net salary: 1 247 €

Aggregate data

Last 5 yrsAll

	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 €+267%	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 €+201%	674 259 €−33,4%	1 012 127 €
Share or stock capital	-	-	-	-	-	-
Retained earnings	5 831 541 €−12,5%	6 663 145 €−0,6%	6 704 391 €+4,4%	6 419 307 €−1,0%	6 481 309 €+3,5%	6 262 825 €
Net profit	-297 053 €+62,5%	-791 604 €−715%	128 754 €−54,8%	285 084 €+2 475%	-12 002 €−105%	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	-229,4%	-827,0%	66,5%	132,3%	-4,2%	73,9%

Financial ratios

	2021	2020
Profit and cash flow
EBITDA	-	-
Liquidity
Current ratio	2,6	10,7
Quick ratio	2,6	10,7
Cash ratio	0,0	0,0
Efficiency
Days sales outstanding (dso)	7 630,4	5 236,2
Asset turnover	0,0	0,0
Structure
Debt ratio	0,2	0,1
Profitability
Operating margin	-155,8%	-8,8%
Net profit margin	132,3%	-4,2%
Return on assets (roa)	3,6%	-0,2%
Return on equity (roe)	4,3%	-0,2%

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 10143452 / 26	10.04.2026	Entry – Amendment entry	-	Entered into force10.04.2026
Ä 10143452 / 25	01.04.2026	Entry – Amendment entry	-	Entered into force01.04.2026
Ä 10143452 / M18	31.03.2026	Directive order – Change of shareholders	10.04.2026	Deficiencies remedied02.04.2026
Ä 10143452 / 24	23.03.2026	Entry – Amendment entry	-	Entered into force23.03.2026
Ä 10143452 / M17	16.03.2026	Order to remedy deficiencies – Change of shareholders	15.04.2026	Deficiencies remedied23.03.2026

Real estate

		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	Public-use land 80%, Commercial land 20%

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Consumer Disputes Committee decisions

No consumer dispute committee decisions found

Company has not been issued consumer dispute committee decisions

Court decisions

No court decisions found

The company has no court decisions

Official announcements


Notice of division of a company	04.09.2025	PDF

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

No domains found

Company has no valid .ee domains

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.