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AB Kreditex AS

Legal form:

Public limited company

Registry code:

12041659

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

13.01.2011 (15)

Former business names:

Credit Pro AS

Capital:

200 000 EUR

Address:

Vambola tn 6, Kesklinna linnaosa, Tallinn, Harju maakond, 10114

Status:

Registered

Contacts

Email:

info@kreditex.ee

Website:

www.kreditex.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
Other lending
64929 - Other lending, excl. pawnshops

VAT liability

	Start	End
EE101943859	01.02.2017	31.10.2024

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	07.10.2025	Valid
2023	01.01.2023 - 31.12.2023	15.07.2024	Valid
2022	01.01.2022 - 31.12.2022	06.07.2023	Valid
2021	01.01.2021 - 31.12.2021	25.07.2022	Valid
2020	01.01.2020 - 31.12.2020	04.08.2021	Valid
2019	01.01.2019 - 31.12.2019	22.09.2020	Valid
2018	01.01.2018 - 31.12.2018	07.08.2019	Valid
2017	01.01.2017 - 31.12.2017	13.07.2018	Valid
2016	01.01.2016 - 31.12.2016	28.07.2017	Valid
2015	01.01.2015 - 31.12.2015	19.07.2016	Valid
2014	01.01.2014 - 31.12.2014	20.08.2015	Valid
2013	01.01.2013 - 31.12.2013	16.10.2014	Valid
2012	01.01.2012 - 31.12.2012	26.07.2013	Valid
2011	13.01.2011 - 31.12.2011	03.07.2012	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 04.06.2026.

???

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

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Unsubmitted reports

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Unsubmitted declarations

110

Court decisions

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	Taxable turnover	Employees
2026 Q1	20 874 €	6 812 €	0 €	-
Kokku 2026:	20 874 €	6 812 €	0 €
2025 Q4	5 873 €	5 889 €	0 €	-
2025 Q3	8 448 €	8 407 €	0 €	-
2025 Q2	5 873 €	5 889 €	0 €	-
2025 Q1	7 265 €	7 306 €	0 €	-
Kokku 2025:	27 459 €	27 491 €	0 €100.0%
2024 Q4	6 131 €	5 506 €	0 €100.0%	-
2024 Q3	497 330 €	10 118 €	820 €46.4%	-
2024 Q2	13 319 €	12 753 €	1 529 €39.0%	2
2024 Q1	36 901 €	32 882 €	2 508 €98.0%	2
Kokku 2024:	553 681 €	61 259 €	4 857 €99.2%
2023 Q4	148 336 €	105 539 €	127 075 €50.2%	4
2023 Q3	54 976 €	56 726 €	255 252 €105.9%	14
2023 Q2	57 908 €	60 550 €	123 951 €16.3%	15
2023 Q1	73 111 €	67 500 €	106 617 €29.8%	15
Kokku 2023:	334 330 €	290 314 €	612 895 €18.7%
2022 Q4	70 878 €	64 663 €	151 948 €26.8%	15
2022 Q3	60 343 €	57 204 €	119 864 €54.5%	17
2022 Q2	52 993 €	55 148 €	263 665 €20.9%	18
2022 Q1	68 240 €	66 766 €	218 127 €12.5%	16
Kokku 2022:	252 454 €	243 781 €	753 604 €14.6%
2021 Q4	59 705 €	55 824 €	249 326 €64.8%	16
2021 Q3	55 426 €	49 198 €	151 270 €58.4%	15
2021 Q2	52 992 €	53 063 €	363 855 €208.7%	17
2021 Q1	60 738 €	58 734 €	117 875 €6.4%	18
Kokku 2021:	228 862 €	216 819 €	882 326 €208.1%
2020 Q4	52 692 €	51 599 €	110 822 €78.2%	19
2020 Q3	54 094 €	47 457 €	62 207 €223.5%	20
2020 Q2	53 383 €	53 883 €	19 228 €79.6%	20
2020 Q1	89 951 €	61 142 €	94 135 €9.9%	22
Kokku 2020:	250 120 €	214 081 €	286 392 €25.0%
2019 Q4	36 950 €	36 690 €	104 483 €2.5%	18
2019 Q3	50 064 €	31 294 €	107 118 €2.4%	15
2019 Q2	24 554 €	26 073 €	104 565 €59.4%	14
2019 Q1	47 570 €	32 476 €	65 581 €28.4%	11
Kokku 2019:	159 138 €	126 533 €	381 747 €21.1%
2018 Q4	30 676 €	28 130 €	91 646 €5.0%	10
2018 Q3	24 905 €	25 978 €	96 467 €50.4%	9
2018 Q2	26 736 €	28 523 €	64 151 €1.9%	11
2018 Q1	38 213 €	32 883 €	62 979 €33.6%	12
Kokku 2018:	120 530 €	115 514 €	315 243 €91.9%
2017 Q4	41 577 €	36 118 €	94 811 €95.2%	13
2017 Q3	45 111 €	28 055 €	48 583 €242.9%	13
2017 Q2	19 848 €	21 363 €	14 167 €109.9%	13
2017 Q1	23 565 €	21 173 €	6 750 €97.7%	10
Kokku 2017:	130 101 €	106 709 €	164 311 €90.5%
2016 Q4	16 629 €	13 564 €	298 557 €24.9%	9
2016 Q3	54 220 €	18 058 €	397 483 €13.3%	9
2016 Q2	19 438 €	20 816 €	458 202 €19.8%	9
2016 Q1	24 456 €	25 948 €	571 157 €25.1%	9
Kokku 2016:	114 743 €	78 386 €	1 725 399 €16.4%
2015 Q4	28 725 €	20 554 €	456 665 €12.9%	1
2015 Q3	32 058 €	18 206 €	404 504 €38.3%	1
2015 Q2	34 698 €	13 160 €	292 387 €11.1%	1
2015 Q1	16 739 €	14 808 €	328 991 €	1
Kokku 2015:	112 220 €	66 728 €	1 482 547 €

Revenue by industry

	2019	2024
Other lending, excl. pawnshops	2 029 671 €	42 356 €

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
Aleksandra Vyurtts	48503XXXXXX	24.03.1985 (41)	Board member	30.06.2023	-

8 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
Mainex Holding OÜ	-	08.07.2016 (9)	Shareholder	195 000,00 EUR	97,5	Sole ownership	30.04.2025	-

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

1 - 1 / 1 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Jekaterina Rozenštrauch	48101XXXXXX	18.01.1981 (45)	Supervisory-board member	15.07.2024	-
Natalja Kiprushenkova	48309XXXXXX	02.09.1983 (42)	Chairman of the supervisory board	02.01.2024	-
Tatjana Markušina	48304XXXXXX	07.04.1983 (43)	Supervisory-board member	20.08.2023	-
Alexey Kiprushenkov	37901XXXXXX	26.01.1979 (47)	Founder	13.01.2011	-
Boriss Adel	37801XXXXXX	29.01.1978 (48)	Founder	13.01.2011	-

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

1 - 5 / 5 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Natalja Kiprushenkova	48309XXXXXX	02.09.1983 (42)	Indirect holding	14.09.2018	-

1 - 1 / 1 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

32,63%

Monthly average

2 271 €

Per employee

0 €

State taxes

Monthly average

6 958 €

Turnover ratio

0,00%

Estimated salary

Gross salary

0 €

Net salary

0 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	346 164 €89.5%	3 302 379 €41.6%	5 657 173 €13.6%	6 544 914 €2.8%	6 367 493 €23.2%	5 169 762 €
Non-current assets	4 842 284 €21.1%	6 137 839 €61.5%	15 938 704 €8.1%	14 741 683 €6.6%	13 832 243 €1.0%	13 969 509 €
Total assets	5 188 448 €45.0%	9 440 218 €56.3%	21 595 876 €1.5%	21 286 596 €5.4%	20 199 736 €5.5%	19 139 272 €
Short-term liabilities	24 557 €97.3%	915 131 €76.1%	3 826 521 €173.1%	1 401 224 €180.5%	499 522 €57.1%	1 165 255 €
Long-term liabilities	-	1 300 000 €88.2%	11 034 204 €21.1%	13 988 861 €4.2%	14 596 198 €9.6%	13 322 972 €
Total liabilities	24 557 €98.9%	2 215 131 €85.1%	14 860 725 €3.4%	15 390 085 €1.9%	15 095 720 €4.2%	14 488 227 €
Share or stock capital	200 000 €	200 000 €	200 000 €	200 000 €	200 000 €	200 000 €
Retained earnings	5 025 087 €20.0%	6 280 152 €12.2%	5 596 512 €15.3%	4 854 016 €10.3%	4 401 044 €15.5%	3 812 008 €
Net profit	-61 196 €108.2%	744 935 €20.6%	938 640 €11.4%	842 496 €67.5%	502 972 €21.3%	639 036 €
Equity	5 163 891 €28.5%	7 225 087 €7.3%	6 735 152 €14.2%	5 896 512 €15.5%	5 104 016 €9.7%	4 651 044 €
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	NZ.E	G.X	G.I	4.7	12.7
Quick ratio	CF.V	T.E	M.B	4.7	12.7
Cash ratio	L.S	B.U	H.B	0.9	3.7
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	T.P	J.C	T.R	0.7	0.7
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	Z.D%	V.U%	A.R%	0.0%	0.0%
Return on equity (roe)	N.Q%	X.U%	U.U%	0.0%	0.0%

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 10150970 / M13	21.08.2025	Reporting-fine order	05.09.2025	Entered into force (08.09.2025)
Ä 10150970 / M12	13.07.2025	Fine-warning order – annual report not filed	14.08.2025	Entered into force (15.07.2025)
Ä 10150970 / M11	13.05.2025	Order to remedy deficiencies for correcting extra-entry data	27.05.2025	Deficiencies remedied (15.05.2025)
Ä 10150970 / M10	07.07.2024	Fine-warning order – annual report not filed	06.08.2024	Deficiencies remedied (17.07.2024)
Ä 10150970 / 32	01.03.2024	Entry - Amendment entry		Entered into force (01.03.2024)

1 - 5 / 45 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	Participants
2-19-728/99						23.03.2026
2-21-7291/45						03.03.2026
2-25-20798/7						11.02.2026
2-21-7245/49						28.01.2026
2-18-2635/97						22.12.2025

1 - 5 / 110 rows

Official announcements

Subject	Date
Notice of auction of immovable property in enforcement proceedings	09.02.2026
Notice of auction of immovable property in enforcement proceedings	21.11.2025
Notice of auction of immovable property in enforcement proceedings	21.11.2025
Notice of auction of immovable property in enforcement proceedings	10.09.2025
Notice of auction of immovable property in enforcement proceedings	25.09.2024

1 - 5 / 35 rows

Public transactions

Date	Party	Amount	Classification
13.02.2024	Kose Vallavalitsus	122.00 € Received	OPERATING EXPENSES Folk culture
17.04.2023	Eesti Töötukassa	547.37 € Received	OTHER GRANTS Social protection of the unemployed
14.03.2023	Eesti Töötukassa	672.73 € Received	OTHER GRANTS Social protection of the unemployed
14.02.2023	Eesti Töötukassa	725.00 € Received	OTHER GRANTS Social protection of the unemployed
17.01.2023	Eesti Töötukassa	654.00 € Received	OTHER GRANTS Social protection of the unemployed

1 - 5 / 10 rows

.ee domains

Domain	Status	Registered	Expires	End
laenuekspert.ee	Active	03.07.2013	04.07.2028	-
ec.ee	Active	19.06.2013	20.06.2026	-
kreditex.ee	Active	03.01.2011	04.01.2027	-

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

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