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15 - 1

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122

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Tallinna Hoiu-Laenuühistu

Legal form:

Commercial association

Registry code:

11961369

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

01.07.2010 (15)

Capital:

3 254 465 EUR

Address:

Narva mnt 2, Kesklinna linnaosa, Tallinn, Harju maakond, 10117

Status:

Registered

Contacts

Email:

info@erahoius.ee

Phone:

+372 6630118

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Provision of financial services, except insurance and pension funds
Monetary intermediation
Other monetary intermediation
64191 - Credit institutions

VAT liability

	Start	End
EE101533269	01.10.2011	20.01.2016

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	Due date 30.06.2026
2024	01.01.2024 - 31.12.2024	26.06.2025	Valid
2023	01.01.2023 - 31.12.2023	12.07.2024	Valid
2022	01.01.2022 - 31.12.2022	22.06.2023	Valid
2021	01.01.2021 - 31.12.2021	28.06.2022	Valid
2020	01.01.2020 - 31.12.2020	21.06.2021	Valid
2019	01.01.2019 - 31.12.2019	18.06.2020	Valid
2018	01.01.2018 - 31.12.2018	28.05.2019	Valid
2017	01.01.2017 - 31.12.2017	20.06.2018	Valid
2016	01.01.2016 - 31.12.2016	26.06.2017	Valid
2015	01.01.2015 - 31.12.2015	31.05.2016	Valid
2014	01.01.2014 - 31.12.2014	16.04.2015	Valid
2013	01.01.2013 - 31.12.2013	30.06.2014	Valid
2012	01.01.2012 - 31.12.2012	Not submitted (deadline 30.06.2013)
2011	01.01.2011 - 31.12.2011	19.06.2012	Valid
2010	01.07.2010 - 31.12.2010	27.10.2011	Valid
2010	01.07.2010 - 31.12.2010	28.06.2011	Expired

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 10.06.2026.

???

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

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Tax debt

Unsubmitted reports

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Unsubmitted declarations

Court decisions

122

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	Employees
2026 Q1	110 784 €	113 683 €	8
Kokku 2026:	110 784 €	113 683 €
2025 Q4	114 664 €	117 416 €	7
2025 Q3	227 709 €	126 059 €	7
2025 Q2	168 904 €	171 556 €	7
2025 Q1	159 238 €	161 164 €	6
Kokku 2025:	670 515 €	576 195 €
2024 Q4	134 439 €	136 119 €	6
2024 Q3	138 629 €	137 172 €	8
2024 Q2	121 319 €	123 315 €	8
2024 Q1	109 918 €	110 574 €	6
Kokku 2024:	504 305 €	507 180 €
2023 Q4	91 305 €	92 819 €	6
2023 Q3	170 335 €	108 454 €	6
2023 Q2	107 550 €	110 034 €	7
2023 Q1	91 904 €	94 284 €	7
Kokku 2023:	461 093 €	405 591 €
2022 Q4	84 130 €	86 313 €	7
2022 Q3	139 759 €	95 288 €	7
2022 Q2	85 441 €	87 640 €	6
2022 Q1	98 275 €	100 650 €	8
Kokku 2022:	407 606 €	369 891 €
2021 Q4	104 661 €	107 541 €	8
2021 Q3	128 023 €	109 501 €	10
2021 Q2	97 624 €	100 903 €	9
2021 Q1	99 530 €	102 220 €	11
Kokku 2021:	429 838 €	420 165 €
2020 Q4	92 637 €	95 358 €	9
2020 Q3	128 579 €	99 691 €	9
2020 Q2	94 997 €	97 000 €	10
2020 Q1	102 671 €	104 819 €	10
Kokku 2020:	418 883 €	396 868 €
2019 Q4	95 569 €	97 696 €	10
2019 Q3	92 359 €	90 063 €	10
2019 Q2	83 399 €	84 754 €	10
2019 Q1	84 306 €	86 195 €	9
Kokku 2019:	355 633 €	358 708 €
2018 Q4	77 271 €	78 855 €	9
2018 Q3	81 993 €	81 064 €	9
2018 Q2	73 789 €	75 253 €	9
2018 Q1	74 499 €	75 950 €	9
Kokku 2018:	307 552 €	311 122 €
2017 Q4	71 408 €	73 233 €	8
2017 Q3	67 805 €	67 642 €	9
2017 Q2	63 161 €	64 065 €	5
2017 Q1	59 474 €	60 608 €	5
Kokku 2017:	261 848 €	265 548 €
2016 Q4	57 373 €	58 514 €	1
2016 Q3	51 875 €	50 812 €	1
2016 Q2	42 612 €	43 259 €	1
2016 Q1	32 315 €	32 721 €	1
Kokku 2016:	184 175 €	185 306 €
2015 Q4	26 859 €	26 777 €	1
2015 Q3	21 654 €	21 513 €	1
2015 Q2	14 405 €	13 973 €	1
2015 Q1	10 238 €	9 728 €	1
Kokku 2015:	73 156 €	71 991 €

Revenue by industry

	2024
Credit institutions	373 133 €

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
Kadri Erm	46911XXXXXX	25.11.1969 (56)	Board member	24.10.2022	-
Dmitri Maksim	38510XXXXXX	10.10.1985 (40)	Board member	09.04.2021	-
Annely Ojamets	47309XXXXXX	30.09.1973 (52)	Board member	06.05.2011	-

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

1 - 3 / 3 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Eerika Erlach	48202XXXXXX	22.02.1982 (44)	Supervisory-board member	06.10.2022	-
Anna Aida	48306XXXXXX	21.06.1983 (42)	Supervisory-board member	25.02.2022	-
Jana Ilves	48005XXXXXX	03.05.1980 (46)	Supervisory-board member	25.02.2022	-
Vadim Latuta	37202XXXXXX	29.02.1972 (54)	Audit firm	29.03.2021	-

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

1 - 4 / 4 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Kadri Erm	46911XXXXXX	25.11.1969 (56)	Member of higher governing body (board or supervisory board)	20.10.2022	-
Dmitri Maksim	38510XXXXXX	10.10.1985 (40)	Member of higher governing body (board or supervisory board)	09.04.2021	-
Annely Ojamets	47309XXXXXX	30.09.1973 (52)	Member of higher governing body (board or supervisory board)	24.09.2018	-

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

1 - 3 / 3 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

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

2026 Q1

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

102,62%

Monthly average

37 894 €

Per employee

5 053 €

State taxes

Monthly average

36 928 €

Turnover ratio

0,00%

Estimated salary

Gross salary

8 748 €

Net salary

6 653 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	27 612 940 €73.9%	15 874 299 €13.7%	13 955 847 €13.6%	12 280 851 €4.8%	12 901 096 €17.5%	15 640 878 €
Non-current assets	9 634 541 €13.3%	11 111 944 €7.5%	10 341 006 €7.6%	11 190 158 €12.5%	12 795 085 €17.1%	10 923 535 €
Total assets	37 247 480 €38.0%	26 986 244 €11.1%	24 296 852 €3.5%	23 471 008 €8.7%	25 696 180 €3.3%	26 564 412 €
Short-term liabilities	25 006 650 €92.0%	13 027 473 €42.5%	9 138 900 €18.6%	11 221 900 €15.3%	13 246 147 €17.0%	11 322 708 €
Long-term liabilities	7 816 501 €29.5%	11 089 718 €3.2%	11 460 097 €31.4%	8 719 555 €5.7%	9 247 647 €23.7%	12 118 603 €
Total liabilities	32 823 151 €36.1%	24 117 191 €17.1%	20 598 997 €3.3%	19 941 455 €11.3%	22 493 794 €4.0%	23 441 311 €
Share or stock capital	3 254 465 €22.0%	2 666 860 €	2 666 860 €	2 666 860 €	2 666 860 €	2 666 860 €
Retained earnings	69 039 €90.3%	712 975 €3.4%	689 633 €40.3%	491 635 €14.8%	428 375 €116.7%	197 639 €
Net profit	1 100 825 €315.5%	-510 783 €249.6%	341 363 €8.0%	371 059 €246.3%	107 152 €58.6%	258 603 €
Equity	4 424 329 €54.2%	2 869 052 €22.4%	3 697 856 €4.8%	3 529 554 €10.2%	3 202 387 €2.5%	3 123 102 €
Turnover	-	-	-	-	-	-
Profit margin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	Y.H	A.L	N.B	1.1	1.0
Quick ratio	V.T	E.W	A.Y	1.1	1.0
Cash ratio	I.U	L.J	R.F	0.2	0.2
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	D.Y	Y.O	W.H	0.8	0.9
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	H.B%	A.B%	L.C%	0.0%	0.0%
Return on equity (roe)	W.P%	X.E%	W.J%	0.0%	0.0%

To view all financial ratios, you need to subscribe to extended access to the info portal!

Licences & notices

Type	Number	Field	Status	Start	End
License	FFA000009	Financial services > Operating as a financing institution	Valid	12.09.2014	-

1 - 1 / 1 rows

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 10145376 / 23	23.10.2025	Negative entry order - Amendment entry		Entered into force (10.11.2025)
Ä 10145376 / M27	21.10.2025	Order to remedy deficiencies - Amendment entry	20.11.2025	Entered into force (10.11.2025)
Ä 10145376 / 22	08.07.2025	Negative entry order - Amendment entry		Entered into force (24.07.2025)
Ä 10145376 / 21	02.08.2024	Entry - Amendment entry		Entered into force (02.08.2024)
Ä 10145376 / M26	22.07.2024	Order to remedy deficiencies - Amendment entry	22.08.2024	Deficiencies remedied (31.07.2024)

1 - 5 / 50 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
2-20-4840/72						07.01.2026
2-20-19319/165						31.12.2025
2-25-7096/4	Civil case	Court judgment (Default judgment)	Law of obligations	Reena Lember	ECLI:EE:HMK:2025:2.25.7096.20074	28.10.2025
2-25-10093/3	Civil case	Court judgment (Default judgment)	Law of obligations	Geidi Sile	ECLI:EE:HMK:2025:2.25.10093.16383	01.09.2025
2-24-18187/12	Civil case	Court ruling		Eve Grass	ECLI:EE:PMK:2025:2.24.18187.8485	04.06.2025

1 - 5 / 28 rows

Official announcements

Subject	Date
Notice of auction of immovable property in enforcement proceedings	13.05.2026
Notice of auction of immovable property in enforcement proceedings	11.05.2026
Notice of auction of immovable property in enforcement proceedings	11.05.2026
Notice of auction of immovable property in enforcement proceedings	11.05.2026
Notice of auction of immovable property in enforcement proceedings	28.04.2026

1 - 5 / 122 rows

Public transactions

No public transactions found

Company has no public transactions

.ee domains

Domain	Status	Registered	Expires	End
erahoius.ee	Active	09.07.2010	10.07.2026	-

1 - 1 / 1 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