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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 (15)

Capital:

35 000 EUR

Address:

Pärnu mnt 10, Kesklinna linnaosa, Tallinn, Harju maakond, 10148

Status:

Registered

Contacts

Email:

eero.pilv@factor.ee

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

VAT liability

	Start	End
EE101423104	24.01.2011

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	30.06.2025	Valid
2023	01.01.2023 - 31.12.2023	13.09.2024	Valid
2022	01.01.2022 - 31.12.2022	03.08.2023	Valid
2021	01.01.2021 - 31.12.2021	30.06.2022	Valid
2020	01.01.2020 - 31.12.2020	29.06.2021	Valid
2019	01.01.2019 - 31.12.2019	28.07.2020	Valid
2018	01.01.2018 - 31.12.2018	05.04.2019	Valid
2017	01.01.2017 - 31.12.2017	03.05.2018	Valid
2016	01.01.2016 - 31.12.2016	11.03.2017	Valid
2015	01.01.2015 - 31.12.2015	30.06.2016	Valid
2014	01.01.2014 - 31.12.2014	01.07.2015	Valid
2013	01.01.2013 - 31.12.2013	21.06.2014	Valid
2012	01.01.2012 - 31.12.2012	29.06.2013	Valid
2011	09.09.2010 - 31.12.2011	01.07.2012	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 04.06.2026.

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Credit rating

Hidden

Credit rating is based on company financial data and payment behavior. detailed analysis available to regia+ users.

020406080100

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Tax debt

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Unsubmitted reports

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Court decisions

Official announcements

TTJA decisions

Real estate

.ee domains

Licenses

Regulations

274

Public transactions

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	164 136 €	66 086 €	420 541 €2.2%	1
Kokku 2026:	164 136 €	66 086 €	420 541 €
2025 Q4	154 252 €	58 212 €	411 466 €7.7%	-
2025 Q3	137 258 €	51 674 €	382 140 €1.3%	-
2025 Q2	128 663 €	51 711 €	387 000 €23.0%	-
2025 Q1	114 145 €	49 687 €	314 569 €7.9%	-
Kokku 2025:	534 318 €	211 284 €	1 495 175 €34.4%
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%	-
Kokku 2024:	359 814 €	148 779 €	1 112 339 €28.9%
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%	-
Kokku 2023:	232 734 €	75 366 €	863 149 €8.3%
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%	-
Kokku 2022:	201 442 €	55 037 €	796 784 €9.0%
2021 Q4	43 235 €	13 232 €	163 267 €7.6%	-
2021 Q3	44 509 €	12 719 €	176 715 €20.9%	-
2021 Q2	53 606 €	12 386 €	223 389 €33.1%	-
2021 Q1	41 661 €	12 441 €	167 863 €0.3%	1
Kokku 2021:	183 010 €	50 777 €	731 235 €27.0%
2020 Q4	42 140 €	12 399 €	167 343 €7.1%	1
2020 Q3	37 617 €	10 398 €	156 190 €31.1%	1
2020 Q2	31 632 €	10 398 €	119 139 €10.5%	1
2020 Q1	34 225 €	10 398 €	133 144 €31.3%	1
Kokku 2020:	145 614 €	43 594 €	575 816 €11.3%
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
Kokku 2019:	138 039 €	25 366 €	649 471 €67.2%
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
Kokku 2018:	81 447 €	13 232 €	388 383 €28.2%
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
Kokku 2017:	61 156 €	12 493 €	302 842 €52.5%
2016 Q4	12 792 €	2 146 €	49 817 €0.5%	1
2016 Q3	9 900 €	2 135 €	49 548 €0.0%	1
2016 Q2	9 961 €	2 135 €	49 548 €0.2%	1
2016 Q1	9 416 €	2 140 €	49 671 €40.7%	1
Kokku 2016:	42 069 €	8 556 €	198 584 €17.8%
2015 Q4	11 710 €	2 151 €	83 812 €39.7%	1
2015 Q3	9 717 €	1 539 €	59 990 €385.9%	1
2015 Q2	7 725 €	317 €	12 346 €0.4%	1
2015 Q1	6 272 €	318 €	12 398 €	1
Kokku 2015:	35 424 €	4 325 €	168 546 €

Revenue by industry

	2022	2023	2024
Provision of other financial services n.e.c., except insurance and pension funding	796 554 €	868 833 €	1 144 885 €

Tax debts

No tax debt found

No tax debt as of 04.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Eero Pilv	37206XXXXXX	28.06.1972 (53)	Board member	24.10.2011	-

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

7 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
Julia Pilv	48302XXXXXX	08.02.1983 (43)	Founder	09.09.2010	-

1 - 1 / 1 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Meelis Kars	37108XXXXXX	11.08.1971 (54)	Indirect holding	17.10.2018	-
Tina Cecilia Pennanen	-	06.11.1986 (39)	Indirect holding	17.10.2018	-
Eero Pilv	37206XXXXXX	28.06.1972 (53)	Indirect holding	04.09.2018	-

1 - 3 / 3 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q1

Turnover

Amount

420 541 €

Monthly average

140 180 €

Per employee

140 180 €

Equity ratio

400,52%

Labour taxes

Turnover ratio

15,71%

Tax ratio

40,26%

Monthly average

22 029 €

Per employee

44 057 €

State taxes

Monthly average

54 712 €

Turnover ratio

39,03%

Estimated salary

Gross salary

74 413 €

Net salary

55 507 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	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	31 572 €138.4%	13 242 €34.0%	20 049 €30.6%	15 350 €29.2%	21 690 €15.1%	25 548 €
Total assets	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	132 230 €39.5%	94 768 €62.7%	253 791 €312.9%	61 464 €14.3%	71 728 €160.4%	27 549 €
Long-term liabilities	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	2 617 073 €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	35 000 €	35 000 €	35 000 €	35 000 €	35 000 €	35 000 €
Retained earnings	2 649 379 €30.3%	2 033 260 €26.2%	1 610 971 €44.5%	1 114 578 €39.5%	799 226 €95.8%	408 212 €
Net profit	732 791 €18.9%	616 119 €45.9%	422 289 €14.9%	496 393 €57.4%	315 353 €19.3%	391 014 €
Equity	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	1 144 885 €31.8%	868 833 €9.1%	796 554 €12.3%	709 396 €26.2%	562 129 €9.5%	621 309 €
Profit margin	64.01%9.7%	70.91%33.8%	53.01%24.2%	69.97%24.7%	56.10%10.9%	62.93%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	AGU DGI	FYZ ZQC	OJM ATU	503 985	321 892
Liquidity
Current ratio	RX.J	CH.Q	ON.W	66.4	36.8
Quick ratio	AO.I	EI.V	WE.L	66.4	36.8
Cash ratio	D.M	AB.I	O.V	34.4	7.3
Efficiency
Days sales outstanding (dso)	L WKD.R	M LPM.M	U LBZ.N	1 051.2	1 326.8
Asset turnover	K.P	I.D	Y.Q	0.2	0.2
Structure
Debt ratio	H.N	F.E	M.Z	0.6	0.6
Profitability
Operating margin	XL.L%	EV.G%	ID.A%	70.2%	56.2%
Net profit margin	KR.C%	QK.C%	GL.G%	70.0%	56.1%
Return on assets (roa)	FZ.D%	GC.N%	O.A%	14.7%	12.2%
Return on equity (roe)	YG.V%	CF.K%	HO.J%	30.2%	27.4%

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	FFA000040	Financial services > Operating as a financing institution	Valid	09.10.2014	-

1 - 1 / 1 rows

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 10147541 / M2	01.09.2024	Warning for deletion from register – annual report not filed	05.12.2024	Deficiencies remedied (14.09.2024)
Ä 10147541 / M1	09.07.2024	Warning for deletion from register – annual report not filed	12.10.2024	Deficiencies remedied (24.08.2024)
Ä 10147541 / 10	02.09.2023	Entry - Amendment entry		Entered into force (02.09.2023)
Ä 10147541 / 9	17.01.2018	Entry - Amendment entry		Entered into force (17.01.2018)
Ä 10147541 / 8	01.12.2017	Entry - Amendment entry		Entered into force (01.12.2017)

1 - 5 / 12 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
2-25-5493/8	Civil case	Court ruling (Compromise ruling)	Enforcement	Kaie Almere	ECLI:EE:HMK:2025:2.25.5493.7507	21.05.2025
2-24-11146/13	Civil case	Court ruling (Bankruptcy ruling)	Bankruptcy law	Zakaria Nemsitsveridze	ECLI:EE:TMK:2024:2.24.11146.20509	02.12.2024
2-20-3613/19	Civil case	Court ruling (Non-declaration of bankruptcy due to lapse)	Bankruptcy law	Fred Fisker	ECLI:EE:HMK:2020:2.20.3613.18293	17.08.2020

1 - 3 / 3 rows

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

Date	Party	Amount	Classification
02.04.2026	Osaühing Strantum	868.00 € Received	OPERATING EXPENSES Other economy, incl. economic administration
30.03.2026	Viljandi Linnavalitsus	2 084.44 € Received	OPERATING EXPENSES Road transport
20.03.2026	Viimsi Vallavalitsus	16 556.44 € Received	OPERATING EXPENSES Road transport
16.03.2026	Lääne-Harju Vallavalitsus	13 433.57 € Received	NON-CURRENT ASSETS Libraries
04.03.2026	Osaühing Strantum	4 084.25 € Received	OPERATING EXPENSES Other economy, incl. economic administration

1 - 5 / 274 rows

.ee domains

Domain	Status	Registered	Expires	End
factorfinance.ee	Active	22.09.2023	23.09.2026	-
arveteost.ee	Active	02.02.2011	03.02.2027	-
factor.ee	Active	09.09.2010	10.09.2026	-

1 - 3 / 3 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