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AS LHV Paytech

Legal form:

Public limited company

Registry code:

12280690

VAT no.:

EE101703675

Fiscal-year period:

01.01 - 31.12

Established:

08.05.2012 (14)

Former business names:

EveryPay AS, Unified Payments Solutions AS, Unified Payments Solutions OÜ

Capital:

1 679 422 EUR

Address:

Tartu mnt 2, Kesklinna linnaosa, Tallinn, Harju maakond, 10145

Status:

Registered

E-arvete vastuvõtmine:

Arvekeskus

Contacts

Email:

info@every-pay.com

Phone:

+372 6442201

Industries

ELECTRONIC COMMUNICATIONS SERVICES, PROGRAMMING, CONSULTANCY, DATA-INFRASTRUCTURE AND OTHER INFORMATION ACTIVITIES
Computer programming, consultancy and related activities
Computer consultancy and systems/database management
62201 - Computer consultancy activities
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
EE101703675	14.03.2014

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	30.06.2026	Valid
2024	01.01.2024 - 31.12.2024	30.06.2025	Valid
2023	01.01.2023 - 31.12.2023	21.03.2024	Valid
2022	01.01.2022 - 31.12.2022	18.05.2023	Valid
2021	01.01.2021 - 31.12.2021	28.03.2022	Valid
2020	01.01.2020 - 31.12.2020	30.06.2021	Valid
2019	01.01.2019 - 31.12.2019	16.07.2020	Valid
2018	01.01.2018 - 31.12.2018	30.06.2019	Valid
2017	01.01.2017 - 31.12.2017	02.07.2018	Valid
2016	01.01.2016 - 31.12.2016	30.06.2017	Valid
2015	01.01.2015 - 31.12.2015	16.06.2016	Valid
2014	01.01.2014 - 31.12.2014	26.06.2015	Valid
2013	01.01.2013 - 31.12.2013	30.06.2014	Valid
2012	08.05.2012 - 31.12.2012	28.06.2013	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 21.07.2026.

???

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 data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q2	178 927 €	179 262 €	374 944 €17.8%	23
2026 Q1	282 930 €	276 661 €	456 141 €8.5%	23
Kokku 2026:	461 857 €	455 923 €	831 085 €
2025 Q4	235 319 €	233 297 €	498 665 €3.6%	26
2025 Q3	247 916 €	244 579 €	517 539 €1.8%	26
2025 Q2	232 402 €	226 966 €	508 623 €9.0%	28
2025 Q1	227 110 €	227 806 €	559 110 €16.0%	27
Kokku 2025:	942 747 €	932 648 €	2 083 937 €7.1%
2024 Q4	240 154 €	222 793 €	482 085 €16.6%	28
2024 Q3	219 129 €	203 128 €	578 074 €26.9%	30
2024 Q2	195 280 €	180 410 €	455 611 €6.0%	29
2024 Q1	241 548 €	189 562 €	429 883 €4.8%	27
Kokku 2024:	896 111 €	795 893 €	1 945 653 €57.0%
2023 Q4	205 396 €	202 928 €	410 151 €28.3%	26
2023 Q3	175 440 €	177 755 €	319 696 €21.1%	25
2023 Q2	164 885 €	166 513 €	264 093 €7.6%	26
2023 Q1	142 342 €	145 633 €	245 456 €4.4%	25
Kokku 2023:	688 062 €	692 829 €	1 239 396 €10.2%
2022 Q4	139 920 €	135 902 €	256 819 €16.5%	23
2022 Q3	105 116 €	91 159 €	307 450 €21.1%	22
2022 Q2	140 067 €	132 445 €	253 933 €17.2%	23
2022 Q1	137 249 €	124 188 €	306 639 €69.3%	26
Kokku 2022:	522 352 €	483 693 €	1 124 841 €84.7%
2021 Q4	118 103 €	114 975 €	181 138 €8.5%	24
2021 Q3	132 933 €	122 519 €	198 003 €34.6%	23
2021 Q2	111 837 €	110 465 €	147 151 €77.9%	24
2021 Q1	101 778 €	106 803 €	82 704 €37.1%	20
Kokku 2021:	464 651 €	454 762 €	608 997 €72.3%
2020 Q4	117 330 €	113 563 €	131 497 €51.6%	20
2020 Q3	119 490 €	120 875 €	86 766 €66.2%	18
2020 Q2	35 743 €	38 597 €	52 221 €37.0%	18
2020 Q1	74 989 €	71 315 €	82 943 €14.4%	16
Kokku 2020:	347 553 €	344 350 €	353 427 €3.8%
2019 Q4	63 622 €	62 081 €	96 877 €17.8%	13
2019 Q3	60 916 €	56 725 €	82 269 €48.4%	13
2019 Q2	50 350 €	47 196 €	55 456 €47.7%	15
2019 Q1	46 738 €	44 947 €	106 037 €129.2%	10
Kokku 2019:	221 626 €	210 949 €	340 639 €55.0%
2018 Q4	52 004 €	48 664 €	46 266 €28.2%	10
2018 Q3	55 885 €	49 722 €	64 404 €13.4%	11
2018 Q2	72 099 €	68 241 €	56 801 €8.7%	12
2018 Q1	45 061 €	37 908 €	52 264 €1.8%	12
Kokku 2018:	225 049 €	204 535 €	219 735 €33.9%
2017 Q4	55 753 €	52 578 €	51 328 €13.5%	12
2017 Q3	52 204 €	49 253 €	45 210 €15.0%	12
2017 Q2	51 879 €	47 674 €	39 326 €39.2%	12
2017 Q1	40 659 €	43 204 €	28 247 €70.5%	11
Kokku 2017:	200 495 €	192 709 €	164 111 €211.3%
2016 Q4	32 400 €	33 601 €	16 563 €22.9%	7
2016 Q3	25 180 €	27 336 €	13 475 €10.8%	7
2016 Q2	28 175 €	30 643 €	15 105 €99.4%	7
2016 Q1	14 204 €	15 369 €	7 576 €	7
Kokku 2016:	99 959 €	106 949 €	52 719 €
2015 Q4	18 240 €	19 802 €	0 €	4
2015 Q3	15 388 €	16 577 €	0 €	4
2015 Q2	11 711 €	12 561 €	0 €	4
2015 Q1	5 009 €	5 343 €	0 €	4
Kokku 2015:	50 348 €	54 283 €	0 €

Revenue by industry

	2023	2024	2025
Provision of other financial services n.e.c., except insurance and pension funding	2 937 014 €	4 031 851 €	4 569 470 €
Computer consultancy activities	429 876 €	182 722 €	33 931 €

Tax debts

No tax debt found

No tax debt as of 21.07.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Lauri Teder	38001XXXXXX	23.01.1980 (46)	Board member	14.12.2016	-

3 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
AS LHV Group	-	21.01.2005 (21)	Shareholder	1 679 422,00 EUR	100	Sole ownership	18.06.2026	-

17 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
Mihkel Kasepuu	39304XXXXXX	16.04.1993 (33)	Supervisory-board member	01.06.2026	-
Erki Kilu	37512XXXXXX	14.12.1975 (50)	Supervisory-board member	01.04.2026	-
Mihkel Torim	38101XXXXXX	25.01.1981 (45)	Chairman of the supervisory board	23.07.2025	-
Kpmg Baltics Oü	-	-	Audit firm	20.12.2022	-
MOMO CAPITAL OÜ	-	-	Founder	08.05.2012	-

17 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
Mihkel Torim	38101XXXXXX	25.01.1981 (45)	Member of higher governing body (board or supervisory board)	23.07.2025	-

3 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

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

2026 Q2

Turnover

Amount

374 944 €

Monthly average

124 981 €

Per employee

5 434 €

Equity ratio

7,44%

Labour taxes

Turnover ratio

47,81%

Tax ratio

100,19%

Monthly average

59 754 €

Per employee

2 598 €

State taxes

Monthly average

59 642 €

Turnover ratio

47,72%

Estimated salary

Gross salary

4 616 €

Net salary

3 578 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	986 099 €10.5%	1 102 196 €136.4%	466 228 €174.2%	170 060 €18.9%	143 059 €8.7%	131 581 €136.7%	55 601 €
Non-current assets	124 €100.0%	983 775 €15.2%	1 159 991 €8.8%	1 066 552 €21.7%	876 446 €17.0%	748 931 €18.0%	634 927 €
Total assets	986 223 €52.7%	2 085 971 €28.3%	1 626 219 €31.5%	1 236 612 €21.3%	1 019 505 €15.8%	880 512 €27.5%	690 528 €
Short-term liabilities	570 666 €25.7%	453 942 €33.9%	686 468 €12.2%	782 158 €70.3%	459 205 €282.7%	120 002 €8.2%	130 715 €
Long-term liabilities	-	-	-	-	288 817 €359.4%	-	62 875 €
Total liabilities	570 666 €25.7%	453 942 €33.9%	686 468 €12.2%	782 158 €4.6%	748 022 €523.3%	120 002 €38.0%	193 590 €
Share or stock capital	1 079 422 €	1 079 422 €	1 079 422 €	1 079 422 €	1 079 422 €	1 079 422 €25.2%	862 502 €
Retained earnings	-357 459 €217.7%	-112 504 €81.8%	-618 302 €279.7%	-162 853 €49.6%	-323 011 €175.1%	430 166 €1 113.7%	35 443 €
Net profit	-306 406 €146.1%	665 111 €39.0%	478 631 €203.6%	-462 115 €4.7%	-484 928 €35.3%	-749 078 €86.8%	-401 007 €
Equity	415 557 €74.5%	1 632 029 €73.7%	939 751 €106.8%	454 454 €67.4%	271 483 €64.3%	760 510 €53.0%	496 938 €
Turnover	4 603 401 €9.2%	4 214 573 €25.2%	3 366 890 €106.6%	1 629 795 €30.9%	1 245 144 €97.4%	630 893 €49.8%	421 162 €
Profit margin	-6.66%142.2%	15.78%11.0%	14.22%150.1%	-28.35%27.2%	-38.95%67.2%	-118.73%24.7%	-95.21%

Financial ratios

	2025	2024	2023	2022	2021
Profit and cash flow
EBITDA	ONF BMU	F ZFK QKW	TBI BIL	-238 001	-286 355
Liquidity
Current ratio	G.N	C.K	D.B	0.2	0.3
Quick ratio	I.S	B.Z	N.J	0.2	0.3
Cash ratio	G.H	P.A	C.Z	0.0	0.0
Efficiency
Days sales outstanding (dso)	WQ.S	BU.L	QV.Q	162.3	189.9
Asset turnover	X.H	E.F	X.F	1.4	1.3
Structure
Debt ratio	O.O	E.A	L.Y	0.6	0.7
Profitability
Operating margin	-W.U%	XE.W%	VA.T%	-27.6%	-37.4%
Net profit margin	-T.H%	LJ.J%	CZ.E%	-28.4%	-38.9%
Return on assets (roa)	-RM.E%	HX.O%	LE.B%	-41.0%	-51.0%
Return on equity (roe)	-EZ.I%	GE.A%	BU.E%	-101.7%	-178.6%

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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 10168893 / 23	16.06.2026	Entry - Amendment entry		Entered into force (16.06.2026)
Ä 10168893 / M8	09.06.2026	Order to remedy deficiencies - Amendment entry	23.06.2026	Deficiencies remedied (16.06.2026)
Ä 10168893 / 22	07.04.2026	Entry - Amendment entry		Entered into force (07.04.2026)
Ä 10168893 / 21	07.11.2023	Entry - Amendment entry		Entered into force (07.11.2023)
Ä 10168893 / 20	28.12.2022	Negative entry order - Amendment entry		Entered into force (13.01.2023)

1 - 5 / 31 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
2-18-11395/3	Civil case	Court ruling	Company law	Gaida Kivinurm	ECLI:EE:TLRK:2018:2.18.11395.12041	04.09.2018

1 - 1 / 1 rows

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

Date	Party	Amount	Classification
28.09.2023	Eesti Töötukassa	2 150.24 € Received	OPERATING EXPENSES Social protection of the unemployed

1 - 1 / 1 rows

.ee domains

Domain	Status	Registered	Expires	End
paytech.ee	Active	15.11.2023	16.11.2028	-
linkpay.ee	Active	13.11.2017	14.11.2028	-
everypay.ee	Active	16.03.2015	17.03.2027	-
every-pay.ee	Active	18.08.2014	19.08.2027	-

1 - 4 / 4 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