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Fresh Finance OÜ

Legal form:

Private limited company

Registry code:

12243370

VAT no.:

EE102313213

Fiscal-year period:

01.01 - 31.12

Established:

05.03.2012 (14)

Former business names:

SigmaCapital OÜ, Sigmacapital UÜ

Capital:

100 000 EUR

Address:

Tartu mnt 83, Kesklinna linnaosa, Tallinn, Harju maakond, 10115

Status:

Registered

Contacts

Email:

kroot.kilvet@punkfinance.ee

Phone:

+372 6338282

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
EE102313213	01.02.2025
EE101556453	01.08.2012	31.01.2025

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	27.06.2025	Valid
2023	01.01.2023 - 31.12.2023	01.07.2024	Valid
2022	01.01.2022 - 31.12.2022	30.06.2023	Valid
2022	01.01.2022 - 31.12.2022	29.06.2023	Expired
2021	01.01.2021 - 31.12.2021	30.06.2022	Valid
2020	01.01.2020 - 31.12.2020	10.06.2021	Valid
2019	01.01.2019 - 31.12.2019	15.12.2020	Valid
2018	01.01.2018 - 31.12.2018	24.05.2019	Valid
2017	01.01.2017 - 31.12.2017	30.06.2018	Valid
2016	01.01.2016 - 31.12.2016	04.07.2017	Valid
2015	01.01.2015 - 31.12.2015	30.06.2016	Valid
2014	01.01.2014 - 31.12.2014	14.07.2015	Valid
2014	01.01.2014 - 31.12.2014	22.06.2015	Expired
2013	01.01.2013 - 31.12.2013	30.05.2014	Valid
2012	05.03.2012 - 31.12.2012	27.05.2013	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 05.06.2026.

???

Credit rating

Hidden

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

020406080100

? Risk factors

? Strengths

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	58 230 €	60 313 €	0 €	7
Kokku 2026:	58 230 €	60 313 €	0 €
2025 Q4	74 903 €	76 467 €	0 €	8
2025 Q3	79 266 €	79 751 €	0 €	9
2025 Q2	54 445 €	56 997 €	0 €	10
2025 Q1	8 978 €	9 070 €	0 €	10
Kokku 2025:	217 592 €	222 285 €	0 €
2024 Q4	6 678 €	6 678 €	0 €	11
2024 Q3	7 106 €	7 126 €	0 €	11
2024 Q2	7 962 €	8 022 €	0 €	11
2024 Q1	13 204 €	13 407 €	0 €	11
Kokku 2024:	34 950 €	35 233 €	0 €
2023 Q4	12 791 €	13 135 €	0 €	1
2023 Q3	13 275 €	13 672 €	0 €	2
2023 Q2	12 582 €	12 942 €	0 €	2
2023 Q1	16 310 €	16 841 €	0 €	2
Kokku 2023:	54 958 €	56 589 €	0 €100.0%
2022 Q4	15 827 €	15 577 €	0 €	3
2022 Q3	13 326 €	13 634 €	0 €	3
2022 Q2	14 383 €	14 724 €	0 €100.0%	2
2022 Q1	11 499 €	10 324 €	8 048 €25.9%	2
Kokku 2022:	55 035 €	54 260 €	8 048 €84.8%
2021 Q4	18 166 €	16 657 €	10 854 €54.8%	2
2021 Q3	21 364 €	17 245 €	24 025 €73.3%	2
2021 Q2	19 212 €	17 121 €	13 860 €233.8%	2
2021 Q1	17 391 €	17 212 €	4 152 €43.1%	6
Kokku 2021:	76 133 €	68 235 €	52 891 €128.4%
2020 Q4	12 759 €	12 757 €	2 901 €1.8%	6
2020 Q3	15 043 €	15 284 €	2 851 €54.4%	6
2020 Q2	15 750 €	15 384 €	6 251 €44.0%	6
2020 Q1	29 090 €	17 611 €	11 152 €119.4%	6
Kokku 2020:	72 642 €	61 036 €	23 154 €95.2%
2019 Q4	16 178 €	16 053 €	5 083 €312.2%	6
2019 Q3	8 486 €	8 792 €	1 233 €22.2%	7
2019 Q2	2 710 €	2 775 €	1 584 €60.0%	5
2019 Q1	5 207 €	1 992 €	3 959 €92.4%	2
Kokku 2019:	32 581 €	29 612 €	11 859 €87.4%
2018 Q4	10 441 €	1 304 €	52 088 €300.3%	2
2018 Q3	3 181 €	1 304 €	13 013 €12.2%	2
2018 Q2	2 340 €	1 304 €	11 600 €34.0%	2
2018 Q1	6 605 €	1 544 €	17 586 €53.2%	2
Kokku 2018:	22 567 €	5 456 €	94 287 €27.8%
2017 Q4	2 526 €	1 376 €	11 478 €37.0%	2
2017 Q3	3 834 €	1 376 €	18 208 €42.2%	2
2017 Q2	2 909 €	1 376 €	12 809 €59.1%	2
2017 Q1	6 682 €	1 536 €	31 284 €119.5%	2
Kokku 2017:	15 951 €	5 664 €	73 779 €34.1%
2016 Q4	2 889 €	1 252 €	14 251 €0.0%	2
2016 Q3	3 587 €	1 252 €	14 251 €5.2%	2
2016 Q2	4 265 €	1 191 €	13 550 €4.5%	2
2016 Q1	2 502 €	1 139 €	12 965 €41.3%	2
Kokku 2016:	13 243 €	4 834 €	55 017 €36.8%
2015 Q4	12 069 €	556 €	22 101 €0.0%	1
2015 Q3	6 476 €	556 €	22 101 €0.0%	1
2015 Q2	5 917 €	556 €	22 101 €6.7%	1
2015 Q1	9 423 €	521 €	20 718 €	1
Kokku 2015:	33 885 €	2 189 €	87 021 €

Revenue by industry

	2022	2023	2024
Other lending, excl. pawnshops	371 238 €	248 559 €	80 778 €

Tax debts

No tax debt found

No tax debt as of 05.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Krõõt Kilvet	47105XXXXXX	06.05.1971 (55)	Board member	10.01.2022	-

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
Fresh Finance Group OÜ	-	27.09.2017 (8)	Shareholder	89 952,00 EUR	89,95	Sole ownership	05.03.2024	-

11 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
Eero Kaup	36912XXXXXX	10.12.1969 (56)	Audit firm	25.05.2023	-
Kpmg Baltics Oü	-	-	Audit firm	25.05.2023	-

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

1 - 2 / 2 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Frank Florent P Van Raemdonck	-	24.08.1965 (60)	Indirect holding	04.10.2024	-

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

1 - 1 / 1 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q1

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

103,58%

Monthly average

20 104 €

Per employee

2 681 €

State taxes

Monthly average

19 410 €

Turnover ratio

0,00%

Estimated salary

Gross salary

4 755 €

Net salary

3 682 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	-	-	-	-	54 583 €	-
Non-current assets	-	-	-	-	1 775 639 €	-
Total assets	231 660 €54.7%	511 852 €66.3%	1 518 937 €0.1%	1 520 397 €16.9%	1 830 222 €36.0%	2 860 122 €
Short-term liabilities	-	-	-	-	-	-
Long-term liabilities	-	-	-	-	-	-
Total liabilities	-	-	-	-	-	-
Share or stock capital	-	-	-	-	100 000 €	-
Retained earnings	-	-	-	-	198 098 €	-
Net profit	-	-	-	-	-343 031 €	-
Equity	-	-	-	-	-44 933 €	-
Turnover	80 778 €67.5%	248 559 €33.0%	371 238 €2.8%	382 119 €28.3%	533 271 €76.8%	301 647 €
Profit margin	0.00%	0.00%	0.00%	0.00%	-64.33%	0.00%

Financial ratios

	2020	2018	2017	2016	2015
Profit and cash flow
EBITDA	-	-VU UBN	-XD RRB	8	51 726
Liquidity
Current ratio	-	NM.L	E.K	3.4	3.1
Quick ratio	-	TQ.E	B.Y	3.4	3.1
Cash ratio	-	L.N	Y.G	1.6	0.2
Efficiency
Days sales outstanding (dso)	-	S JTE.K	R ASE.W	1 974.0	1 864.5
Asset turnover	-	R.A	K.T	0.1	0.1
Structure
Debt ratio	Q.L	A.K	R.L	0.3	0.2
Profitability
Operating margin	-	-MRX.F%	-ZOF.Q%	-80.1%	-12.9%
Net profit margin	-	DK.T%	XW.G%	-4.7%	4.5%
Return on assets (roa)	Y.K%	R.V%	C.X%	-0.4%	0.5%
Return on equity (roe)	-	D.O%	M.E%	-0.5%	0.8%

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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	Status
Ä 10166281 / 25	05.03.2024	Entry - Amendment entry	Entered into force (05.03.2024)
Ä 10166281 / 24	01.09.2023	Entry - Amendment entry	Entered into force (01.09.2023)
Ä 10166281 / 23	10.04.2023	Entry - Amendment entry	Entered into force (10.04.2023)
Ä 10166281 / 22	27.07.2022	Entry - Amendment entry under CRA § 525 (2)	Entered into force (27.07.2022)
Ä 10166281 / 21	11.03.2022	Entry - Amendment entry	Entered into force (11.03.2022)

1 - 5 / 27 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
2-22-16129/92						23.03.2026
2-22-16043/19						07.01.2026
2-21-2492/40	Civil case	Court ruling	Bankruptcy law	Hiie Lindmets	ECLI:EE:TMK:2025:2.21.2492.15363	25.08.2025
2-24-18438/19						11.03.2025
2-20-12192/36	Civil case	Court ruling	Bankruptcy law	Liili Lauri	ECLI:EE:HMK:2024:2.20.12192.16599	11.09.2024

1 - 5 / 23 rows

Official announcements

Subject	Date
Notice of auction of immovable property in enforcement proceedings	11.05.2023
Notice of auction of immovable property in enforcement proceedings	20.03.2023
Notice of auction of immovable property in enforcement proceedings	17.01.2023
Notice of auction of immovable property in enforcement proceedings	08.02.2022
Notice of auction of immovable property in enforcement proceedings	17.01.2022

Fresh Finance OÜ

Contacts

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VAT liability

Annual reports

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No unsubmitted declarations found

Credit rating

Hidden

Tax data

Revenue by industry

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No tax debt found

Representatives

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Ultimate beneficial owners

Holdings in companies

No holdings in companies found

Aggregate data

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Licences & notices

No licenses and notices found

Regulations

Regulations

Real estate

No real estate found

Consumer Disputes Committee decisions

No consumer dispute committee decisions found

Court decisions

Court decisions

Official announcements

Official announcements

Public transactions

No public transactions found

.ee domains

No domains found

Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found