Factor Finance OÜ

Legal form:: Private limited company
Registry code:: 11990031
VAT no.:: EE101423104
Fiscal-year period:: 01.01 - 31.12
Established:: 09.09.2010 (16 y)
Capital:: 35 000 EUR
Address:: Pärnu mnt 10, Kesklinna linnaosa, Tallinn, Harju maakond, 10148
Status:: Registered

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Contacts

Email:: eero.pilv@factor.ee

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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
64991 – Other financial service activities n.e.c., except insurance and pension funding

Industry TOPNo. 12 of 220 companies

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3.Creditstar Group AS4.5M €
4.Wise Assets Europe AS4.4M €
5.Or Technologies Limited OÜ4.2M €
6.Saturn Investments OÜ2.9M €
7.Brink's Estonia OÜ2.8M €
8.Maksekeskus AS2.1M €
9.Sihtasutus Keskkonnainvesteeringute Keskus2M €
10.Lightyear Europe AS2M €

12.Factor Finance OÜ1.8M €

Main activity 64991 · turnover over the last 4 quarters

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VAT liability

VAT no.	Start	End
EE101423104	24.01.2011	-

Annual reports

Aggregate data

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	30.06.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	30.06.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	13.09.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	03.08.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	30.06.2022	Valid	PDF
2020	01.01.2020 – 31.12.2020	29.06.2021	Valid	PDF
2019	01.01.2019 – 31.12.2019	28.07.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	05.04.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	03.05.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	11.03.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	30.06.2016	Valid	PDF
2014	01.01.2014 – 31.12.2014	01.07.2015	Valid	PDF
2013	01.01.2013 – 31.12.2013	21.06.2014	Valid	PDF
2012	01.01.2012 – 31.12.2012	29.06.2013	Valid	PDF
2011	09.09.2010 – 31.12.2011	01.07.2012	Valid	PDF

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 21.10.2026.

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Tax debt Reports Declarations Court decisions3 Official announcements–TTJA decisions–Real estate–.ee domains3 Licenses1 Regulations12 Public transactions290 Grants–State aid1 Public procurement–Holdings in companies–Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	171 373 €	60 321 €	492 496 €+13,6%	1
2026 Q2	166 303 €	67 757 €	433 541 €+3,1%	1
2026 Q1	164 136 €	66 086 €	420 541 €+2,2%	1
Total 2026:	501 812 €	194 164 €	1,35 M €
2025 Q4	154 928 €	58 212 €	411 466 €+7,7%	-
2025 Q3	137 258 €	51 674 €	382 140 €−1,3%	-
2025 Q2	129 338 €	51 711 €	387 000 €+23,0%	-
2025 Q1	114 145 €	49 687 €	314 569 €+7,9%	-
Total 2025:	535 669 €	211 284 €	1,50 M €
2024 Q4	102 415 €	45 600 €	291 582 €+4,1%	-
2024 Q3	95 613 €	38 669 €	279 995 €−13,3%	-
2024 Q2	90 790 €	34 352 €	322 994 €+48,3%	-
2024 Q1	70 996 €	30 158 €	217 768 €−1,3%	-
Total 2024:	359 814 €	148 779 €	1,11 M €
2023 Q4	56 758 €	19 409 €	220 575 €−18,3%	-
2023 Q3	70 759 €	19 227 €	270 063 €+29,6%	-
2023 Q2	56 828 €	18 287 €	208 444 €+27,0%	-
2023 Q1	48 389 €	18 443 €	164 066 €−27,9%	-
Total 2023:	232 734 €	75 366 €	863 148 €
2022 Q4	58 030 €	17 809 €	227 624 €+9,0%	-
2022 Q3	53 087 €	13 388 €	208 820 €−3,9%	-
2022 Q2	51 943 €	12 378 €	217 399 €+52,1%	-
2022 Q1	38 382 €	11 462 €	142 941 €−12,4%	-
Total 2022:	201 442 €	55 037 €	796 784 €
2021 Q4	43 234,54 €	13 232,06 €	163 267,23 €−7,6%	-
2021 Q3	44 508,76 €	12 718,68 €	176 715,43 €−20,9%	-
2021 Q2	53 605,89 €	12 385,86 €	223 389,33 €+33,1%	-
2021 Q1	41 660,97 €	12 440,72 €	167 863,47 €+0,3%	1
Total 2021:	183 010,16 €	50 777,32 €	731 235,46 €
2020 Q4	42 140,26 €	12 399,12 €	167 343,21 €+7,1%	1
2020 Q3	37 617,21 €	10 398,36 €	156 189,66 €+31,1%	1
2020 Q2	31 631,71 €	10 398,36 €	119 138,87 €−10,5%	1
2020 Q1	34 225 €	10 398 €	133 144 €−31,3%	1
Total 2020:	145 614,18 €	43 593,84 €	575 815,74 €
2019 Q4	43 206 €	7 753 €	193 840 €+22,8%	1
2019 Q3	34 143 €	6 423 €	157 806 €−0,2%	1
2019 Q2	32 361 €	6 423 €	158 069 €+13,1%	1
2019 Q1	28 329 €	4 767 €	139 756 €−6,8%	1
Total 2019:	138 039 €	25 366 €	649 471 €
2018 Q4	29 704 €	3 442 €	150 019 €+62,2%	1
2018 Q3	18 339 €	2 647 €	92 481 €+15,6%	1
2018 Q2	17 235 €	3 526 €	79 984 €+21,4%	1
2018 Q1	16 169 €	3 617 €	65 899 €−36,5%	1
Total 2018:	81 447 €	13 232 €	388 383 €
2017 Q4	21 146 €	3 464 €	103 818 €+49,2%	1
2017 Q3	14 797 €	3 119 €	69 600 €−6,0%	1
2017 Q2	13 651 €	3 119 €	74 064 €+33,8%	1
2017 Q1	11 562 €	2 791 €	55 360 €+11,1%	1
Total 2017:	61 156 €	12 493 €	302 842 €
2016 Q4	12 792 €	2 146 €	49 817 €+0,5%	1
2016 Q3	9 900 €	2 135 €	49 548 €	1
2016 Q2	9 961 €	2 135 €	49 548 €−0,2%	1
2016 Q1	9 416 €	2 140 €	49 671 €−40,7%	1
Total 2016:	42 069 €	8 556 €	198 584 €
2015 Q4	11 710 €	2 151 €	83 812 €+39,7%	1
2015 Q3	9 717 €	1 539 €	59 990 €+386%	1
2015 Q2	7 725 €	317 €	12 346 €−0,4%	1
2015 Q1	6 272 €	318 €	12 398 €	1
Total 2015:	35 424 €	4 325 €	168 546 €

Revenue by industry

	2023	2024	2025
Other financial service activities n.e.c., except insurance and pension funding		1 144 885 €	1 542 938 €
Provision of other financial services n.e.c., except insurance and pension funding	868 833 €

Tax debts

No tax debt found

No tax debt as of 21.10.2026

Representatives

	Personal ID code
Eero Pilv	37206XXXXXX	28.06.1972 (54)	Board member	24.10.2011	-

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Shareholders

	Personal ID code
JKMF Invest OÜ	12854167	22.05.2015 (11)	Shareholder	21 000 EUR	60,00%	Sole ownership	02.09.2023	-
Nordic FPC Holding OÜ	12853096	20.05.2015 (11)	Shareholder	14 000 EUR	40,00%	Sole ownership	02.09.2023	-

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Other persons

	Personal ID code
Julia Pilv	48302XXXXXX	08.02.1983 (43)	Founder	09.09.2010	-

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Ultimate beneficial owners

	Personal ID code
Meelis Kars	37108XXXXXX	11.08.1971 (55)	Indirect holding	17.10.2018	-
Tina Cecilia Pennanen	-	06.11.1986 (39)	Indirect holding	17.10.2018	-
Eero Pilv	37206XXXXXX	28.06.1972 (54)	Indirect holding	04.09.2018	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q3

Turnover

Amount: 492 496 €
Monthly average: 164 165 €
Per employee: 164 165 €
Equity ratio: 469,04%

Labour taxes

Turnover ratio: 12,25%
Tax ratio: 35,20%
Monthly average: 20 107 €
Per employee: 20 107 €

State taxes

Monthly average: 57 124 €
Turnover ratio: 34,80%

Estimated salary

Gross salary: 34 499 €
Net salary: 26 095 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	7 009 428 €+16,8%	6 002 671 €+16,4%	5 155 648 €+9,9%	4 691 745 €+14,9%	4 081 828 €+54,7%	2 639 360 €+6,4%	2 480 970 €
Non-current assets	30 815 €−2,4%	31 572 €+138%	13 242 €−34,0%	20 049 €+30,6%	15 350 €−29,2%	21 690 €−15,1%	25 548 €
Total assets	7 040 243 €+16,7%	6 034 243 €+16,7%	5 168 890 €+9,7%	4 711 794 €+15,0%	4 097 178 €+54,0%	2 661 050 €+6,2%	2 506 518 €
Short-term liabilities	152 730 €+15,5%	132 230 €+39,5%	94 768 €−62,7%	253 791 €+313%	61 464 €−14,3%	71 728 €+160%	27 549 €
Long-term liabilities	2 484 843 €	2 484 843 €+4,0%	2 389 743 €	2 389 743 €	2 389 743 €+66,0%	1 439 743 €−12,5%	1 644 743 €
Total liabilities	2 637 573 €+0,8%	2 617 073 €+5,3%	2 484 511 €−6,0%	2 643 534 €+7,8%	2 451 207 €+62,2%	1 511 471 €−9,6%	1 672 292 €
Share or stock capital	-	-	-	-	-	-	-
Retained earnings	3 358 670 €+27,9%	2 625 879 €+30,7%	2 009 760 €+26,6%	1 587 471 €+45,5%	1 091 078 €+40,7%	775 726 €+102%	384 712 €
Net profit	985 500 €+34,5%	732 791 €+18,9%	616 119 €+45,9%	422 289 €−14,9%	496 393 €+57,4%	315 353 €−19,3%	391 014 €
Equity	4 402 670 €+28,8%	3 417 170 €+27,3%	2 684 379 €+29,8%	2 068 260 €+25,7%	1 645 971 €+43,2%	1 149 579 €+37,8%	834 226 €
Turnover	1 542 938 €+34,8%	1 144 885 €+31,8%	868 833 €+9,1%	796 554 €+12,3%	709 396 €+26,2%	562 129 €−9,5%	621 309 €
Profit margin	63,9%	64,0%	70,9%	53,0%	70,0%	56,1%	62,9%

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	430 702 €	503 985 €
Liquidity
Current ratio	18,5	66,4
Quick ratio	18,5	66,4
Cash ratio	8,8	34,4
Efficiency
Days sales outstanding (dso)	1 012,8	1 051,2
Asset turnover	0,2	0,2
Structure
Debt ratio	0,6	0,6
Profitability
Operating margin	53,2%	70,2%
Net profit margin	53,0%	70,0%
Return on assets (roa)	9,6%	14,7%
Return on equity (roe)	20,4%	30,2%

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Licences & notices


License	FFA000040	Financial services	Valid	09.10.2014	-

Regulations


Ä 10147541 / M2	01.09.2024	Warning for deletion from register – annual report not filed	05.12.2024	Deficiencies remedied14.09.2024
Ä 10147541 / M1	09.07.2024	Warning for deletion from register – annual report not filed	12.10.2024	Deficiencies remedied24.08.2024
Ä 10147541 / 10	02.09.2023	Entry – Amendment entry	-	Entered into force02.09.2023
Ä 10147541 / 9	17.01.2018	Entry – Amendment entry	-	Entered into force17.01.2018
Ä 10147541 / 8	01.12.2017	Entry – Amendment entry	-	Entered into force01.12.2017

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


2-25-5493/8	Kohtu I astme menetlus	Court rulingCompromise ruling	Enforcement	Kaie Almere	ECLI:EE:HMK:2025:2.25.5493.7507	21.05.2025	Open
2-24-11146/13	Kohtu I astme menetlus	Court rulingBankruptcy ruling	Bankruptcy law	Zakaria Nemsitsveridze	ECLI:EE:TMK:2024:2.24.11146.20509	02.12.2024	Open
2-20-3613/19	Kohtu I astme menetlus	Court rulingNon-declaration of bankruptcy due to lapse	Bankruptcy law	Fred Fisker	ECLI:EE:HMK:2020:2.20.3613.18293	17.08.2020	Open

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions


21.09.2026	Keila Linnavalitsus	719,20 €Received	OPERATING EXPENSESRoad transport
14.09.2026	Keila Linnavalitsus	2 042,03 €Received	OPERATING EXPENSESRoad transport
07.09.2026	Tallinna Kesklinna Valitsus	3 158,28 €Received	OPERATING EXPENSESCleaning of public areas
19.08.2026	Viimsi Vallavalitsus	12 538,09 €Received	OPERATING EXPENSESRoad transport
19.08.2026	Viimsi Vallavalitsus	5 100 €Received	OPERATING EXPENSESBiodiversity and landscape conservation

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid


01.04.2020	Tallinna LinnakantseleiAid measure 20912	KOMISJONI TEATIS Riigiabi ajutine raamistik majanduse toetamiseks praeguse COVID-19 puhangu kontekstis › Komisjoni teatise jaotis 3.1 "Otsetoetuste, tagasimakstvate ettemaksete või maksusoodustustena antav abi"Grant	0,09 €	20912/2002110

Public procurement contracts

No public procurement contracts found

The company has no public procurement contracts

.ee domains


factorfinance.ee	Active	22.09.2023	23.09.2027
arveteost.ee	Active	02.02.2011	03.02.2027
factor.ee	Active	09.09.2010	10.09.2027

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.