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Aktsiaselts KredEx Krediidikindlustus

Legal form:

Public limited company

Registry code:

11948506

VAT no.:

EE101390062

Fiscal-year period:

01.01 - 31.12

Established:

31.05.2010 (16)

Capital:

19 173 600 EUR

Address:

Sepise tn 7, Lasnamäe linnaosa, Tallinn, Harju maakond, 11415

Status:

Registered

Contacts

Email:

krediidikindlustus@kredex.ee

Phone:

+372 6674100

Website:

https://krediidikindlustus.ee/

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Insurance, reinsurance and pension funding, except compulsory social security
Insurance
65121 - Non-life insurance

VAT liability

	Start	End
EE101390062	30.08.2010

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	30.04.2026	Valid
2024	01.01.2024 - 31.12.2024	30.04.2025	Valid
2023	01.01.2023 - 31.12.2023	25.04.2024	Valid
2022	01.01.2022 - 31.12.2022	28.04.2023	Valid
2021	01.01.2021 - 31.12.2021	04.05.2022	Valid
2021	01.01.2021 - 31.12.2021	02.05.2022	Expired
2021	01.01.2021 - 31.12.2021	29.04.2022	Expired
2020	01.01.2020 - 31.12.2020	29.06.2021	Valid
2019	01.01.2019 - 31.12.2019	04.06.2020	Valid
2018	01.01.2018 - 31.12.2018	27.06.2019	Valid
2017	01.01.2017 - 31.12.2017	17.05.2018	Valid
2016	01.01.2016 - 31.12.2016	13.06.2017	Valid
2015	01.01.2015 - 31.12.2015	22.06.2016	Valid
2014	01.01.2014 - 31.12.2014	10.06.2015	Valid
2013	01.01.2013 - 31.12.2013	19.06.2014	Valid
2012	01.01.2012 - 31.12.2012	21.06.2013	Valid
2011	01.01.2011 - 31.12.2011	02.05.2012	Valid
2010	31.05.2010 - 31.12.2010	16.11.2011	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 10.06.2026.

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Credit rating

Hidden

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020406080100

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	82 930 €	82 479 €	49 668 €0.6%	11
Kokku 2026:	82 930 €	82 479 €	49 668 €
2025 Q4	87 085 €	82 439 €	49 384 €27.0%	11
2025 Q3	81 429 €	81 205 €	38 889 €29.7%	11
2025 Q2	221 943 €	117 847 €	55 346 €46.8%	11
2025 Q1	79 012 €	79 221 €	37 698 €40.9%	11
Kokku 2025:	469 469 €	360 712 €	181 317 €2.1%
2024 Q4	85 169 €	78 007 €	63 735 €88.9%	11
2024 Q3	80 461 €	80 659 €	33 736 €33.9%	11
2024 Q2	94 729 €	91 690 €	51 054 €39.5%	11
2024 Q1	78 484 €	77 303 €	36 607 €50.2%	10
Kokku 2024:	338 843 €	327 659 €	185 132 €16.0%
2023 Q4	85 486 €	78 559 €	73 441 €104.7%	11
2023 Q3	82 397 €	83 036 €	35 880 €12.4%	11
2023 Q2	71 907 €	71 599 €	40 974 €41.5%	11
2023 Q1	77 278 €	70 944 €	70 088 €10.3%	10
Kokku 2023:	317 068 €	304 137 €	220 385 €5.6%
2022 Q4	73 235 €	68 889 €	63 545 €13.3%	11
2022 Q3	172 430 €	69 168 €	56 068 €0.6%	12
2022 Q2	84 447 €	81 871 €	55 740 €4.0%	12
2022 Q1	70 354 €	64 994 €	58 092 €19.9%	10
Kokku 2022:	400 465 €	284 921 €	233 445 €11.3%
2021 Q4	76 031 €	63 306 €	72 559 €17.5%	11
2021 Q3	71 566 €	69 905 €	61 779 €13.5%	12
2021 Q2	69 333 €	68 441 €	54 440 €26.8%	11
2021 Q1	75 358 €	70 107 €	74 376 €28.8%	20
Kokku 2021:	292 288 €	271 760 €	263 153 €13.4%
2020 Q4	107 990 €	69 179 €	57 751 €3.7%	20
2020 Q3	67 159 €	63 913 €	55 710 €14.2%	19
2020 Q2	81 808 €	77 384 €	64 943 €21.0%	17
2020 Q1	58 018 €	53 463 €	53 663 €2.3%	17
Kokku 2020:	314 974 €	263 940 €	232 068 €28.2%
2019 Q4	62 845 €	58 978 €	52 479 €40.7%	14
2019 Q3	63 580 €	62 940 €	37 287 €21.7%	17
2019 Q2	65 484 €	62 456 €	47 613 €9.0%	16
2019 Q1	58 302 €	55 234 €	43 687 €6.3%	16
Kokku 2019:	250 211 €	239 608 €	181 066 €4.8%
2018 Q4	55 833 €	52 091 €	46 635 €0.9%	15
2018 Q3	56 658 €	52 836 €	46 220 €28.7%	15
2018 Q2	82 210 €	56 583 €	64 793 €98.8%	15
2018 Q1	48 995 €	46 789 €	32 591 €28.5%	14
Kokku 2018:	243 696 €	208 299 €	190 239 €1.1%
2017 Q4	46 149 €	41 462 €	45 584 €6.1%	13
2017 Q3	45 481 €	40 874 €	48 540 €7.0%	13
2017 Q2	65 919 €	53 427 €	52 170 €24.8%	12
2017 Q1	40 665 €	36 351 €	41 813 €11.3%	12
Kokku 2017:	198 214 €	172 114 €	188 107 €11.6%
2016 Q4	37 223 €	31 478 €	47 123 €2.7%	8
2016 Q3	35 961 €	32 357 €	48 439 €27.6%	8
2016 Q2	48 553 €	44 699 €	66 916 €33.2%	8
2016 Q1	37 560 €	33 553 €	50 229 €63.5%	8
Kokku 2016:	159 297 €	142 087 €	212 707 €63.9%
2015 Q4	38 731 €	31 176 €	137 788 €1.4%	8
2015 Q3	35 104 €	30 732 €	135 826 €20.1%	8
2015 Q2	44 191 €	38 464 €	169 995 €16.3%	8
2015 Q1	40 973 €	33 079 €	146 197 €	8
Kokku 2015:	158 999 €	133 451 €	589 806 €

Revenue by industry

	2023	2024	2025
Non-life insurance	1 827 206 €	1 604 127 €	1 694 001 €

Tax debts

No tax debt found

No tax debt as of 10.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Katrin Savi	47407XXXXXX	13.07.1974 (51)	Board member	04.07.2023	-
Signe Rähesoo	46903XXXXXX	06.03.1969 (57)	Board member	08.04.2021	-

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

1 - 2 / 2 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
Majandus- ja Kommunikatsiooniministeerium	70003XXX	28.12.1998 (27)	Shareholder	12 782 400,00 EUR	66,67	Sole ownership	16.08.2023	-
Ettevõtluse ja Innovatsiooni Sihtasutus	90006XXX	25.08.2000 (25)	Shareholder	6 391 200,00 EUR	33,33	Sole ownership	16.08.2023	-

9 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
Martti Kalvik	37803XXXXXX	31.03.1978 (48)	Supervisory-board member	06.01.2026	-
Ursel Velve	47805XXXXXX	27.05.1978 (48)	Chairman of the supervisory board	07.11.2025	-
Hele-Liis Viirsalu	47407XXXXXX	07.07.1974 (51)	Supervisory-board member	26.11.2024	-
Kpmg Baltics Oü	-	-	Audit firm	25.09.2024	-
Majandus- ja Kommunikatsiooniministeerium	70003XXX	-	Founder	27.05.2010	-

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

1 - 5 / 6 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Ursel Velve	47805XXXXXX	27.05.1978 (48)	Member of higher governing body (board or supervisory board)	10.11.2025	-
Hele-Liis Viirsalu	47407XXXXXX	07.07.1974 (51)	Member of higher governing body (board or supervisory board)	26.11.2024	-
Erkki Keldo	39011XXXXXX	07.11.1990 (35)	Right to appoint or remove most executive or governing-body members	23.07.2024	-
Katrin Savi	47407XXXXXX	13.07.1974 (51)	Member of higher governing body (board or supervisory board)	03.07.2023	-
Martti Kalvik	37803XXXXXX	31.03.1978 (48)	Member of higher governing body (board or supervisory board)	13.01.2023	-

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

1 - 5 / 6 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q1

Turnover

Amount

49 668 €

Monthly average

16 556 €

Per employee

1 505 €

Equity ratio

0,09%

Labour taxes

Turnover ratio

166,06%

Tax ratio

99,46%

Monthly average

27 493 €

Per employee

2 499 €

State taxes

Monthly average

27 643 €

Turnover ratio

166,97%

Estimated salary

Gross salary

4 450 €

Net salary

3 455 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	-	-	8 385 629 €78.9%	-	39 686 888 €0.3%	39 814 280 €3.0%	38 638 376 €
Non-current assets	-	-	29 750 716 €9 916 805.3%	-	300 €99.5%	54 951 €23.9%	72 237 €
Total assets	39 367 644 €0.5%	39 175 508 €2.7%	38 136 344 €1.1%	37 707 592 €5.0%	39 687 184 €0.5%	39 869 228 €3.0%	38 710 616 €
Short-term liabilities	-	-	-	-	-	-	-
Long-term liabilities	-	-	-	-	-	-	-
Total liabilities	-	-	-	-	-	-	-
Share or stock capital	-	-	19 173 600 €	-	19 173 600 €	19 173 600 €	19 173 600 €
Retained earnings	-	-	138 891 €91.3%	-	1 588 722 €16.1%	1 892 759 €32.9%	1 423 744 €
Net profit	-	-	1 450 793 €227.0%	-	443 644 €245.9%	-304 037 €149.1%	619 016 €
Equity	-	-	20 763 284 €2.1%	-	21 205 966 €2.1%	20 762 322 €2.1%	21 216 360 €
Turnover	1 694 001 €5.6%	1 604 127 €12.2%	1 827 206 €33.6%	2 751 172 €8.0%	2 991 709 €77.9%	1 681 989 €111.2%	796 264 €
Profit margin	0.00%	0.00%	79.40%435.4%	0.00%	14.83%182.0%	-18.08%123.3%	77.74%

Financial ratios

	2023	2021	2020	2019	2018
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	-	-	-	-	-
Quick ratio	-	-	-	-	-
Cash ratio	-	-	-	-	-
Efficiency
Days sales outstanding (dso)	-	-	QRD.M	828.7	-
Asset turnover	-	-	I.T	0.0	-
Structure
Debt ratio	P.Y	O.Y	B.D	0.5	0.5
Profitability
Operating margin	-	-	-BD.K%	77.7%	-
Net profit margin	-	-	-EQ.I%	77.7%	-
Return on assets (roa)	W.C%	R.G%	-R.Y%	1.6%	0.0%
Return on equity (roe)	C.G%	N.T%	-N.J%	2.9%	0.0%

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 10144440 / M5	13.05.2026	Order to remedy annual-report deficiencies	12.06.2026	Deficiencies remedied (21.05.2026)
Ä 10144440 / M4	22.05.2024	Order to remedy deficiencies for correcting extra-entry data - Amendment entry	05.06.2024	Deficiencies remedied (03.06.2024)
Ä 10144440 / 23	04.07.2023	Entry - Amendment entry		Entered into force (04.07.2023)
Ä 10144440 / 22	14.11.2022	Entry - Amendment entry under CRA § 525 (2)		Entered into force (14.11.2022)
Ä 10144440 / M3	29.04.2022	Order to remedy annual-report deficiencies	29.05.2022	Deficiencies remedied (04.05.2022)

1 - 5 / 28 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
2-21-19727/123	Civil case	Court ruling	Bankruptcy law	Andra Pärsimägi, Margit Vutt, Kersti Kerstna-Vaks	ECLI:EE:TRRK:2023:2.21.19727.15371	24.05.2023
2-21-2685/98	Civil case	Court ruling	Bankruptcy law	Andra Pärsimägi, Üllar Roostoja, Kersti Kerstna-Vaks	ECLI:EE:TRRK:2022:2.21.2685.19446	10.05.2022
2-19-6670/3	Civil case	Court judgment (Default judgment)	Law of obligations	Andrus Miilaste	ECLI:EE:TMK:2019:2.19.6670.21600	29.08.2019
2-19-1180/18	Civil case	Court ruling	Law of obligations	Ande Tänav, Gaida Kivinurm, Iko Nõmm	ECLI:EE:TLRK:2019:2.19.1180.16796	19.06.2019
2-19-1180/12	Civil case	Court ruling	Law of obligations	Liisi Vernik	ECLI:EE:HMK:2019:2.19.1180.18118	07.05.2019

1 - 5 / 12 rows

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

Date	Party	Amount	Classification
07.10.2024	Ettevõtluse ja Innovatsiooni Sihtasutus	366.00 € Received	OPERATING EXPENSES General economic and trade policy
31.08.2023	Ettevõtluse ja Innovatsiooni Sihtasutus	480.00 € Received	OPERATING EXPENSES General economic and trade policy
23.08.2023	AS SmartCap	480.00 € Received	OPERATING EXPENSES General economic and trade policy
30.11.2022	Ettevõtluse ja Innovatsiooni Sihtasutus	342.00 € Received	OPERATING EXPENSES Housing development
19.01.2022	Ettevõtluse ja Innovatsiooni Sihtasutus	1 500.00 € Received	OPERATING EXPENSES General economic and trade policy

1 - 5 / 6 rows

.ee domains

Domain	Status	Registered	Expires	End
ekspordikindlustus.ee	Active	29.06.2017	30.06.2027	-
krediidikindlustus.ee	Active	04.07.2010	13.11.2026	-

1 - 2 / 2 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