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AS Finora Group

Legal form:

Public limited company

Registry code:

12324050

VAT no.:

EE101723684

Fiscal-year period:

01.01 - 31.12

Established:

06.08.2012 (13)

Former business names:

AS Finora Capital, OÜ Finora, OÜ Finora Capital

Capital:

836 385,90 EUR

Address:

Narva mnt 5, Kesklinna linnaosa, Tallinn, Harju maakond, 10117

Status:

Registered

Contacts

Email:

info@finoracapital.eu

Phone:

+372 6581300

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
EE101723684	17.06.2014

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	06.05.2026	Valid
2024	01.01.2024 - 31.12.2024	19.06.2025	Valid
2023	01.01.2023 - 31.12.2023	13.06.2024	Valid
2022	01.01.2022 - 31.12.2022	29.06.2023	Valid
2021	01.01.2021 - 31.12.2021	15.06.2022	Valid
2020	01.01.2020 - 31.12.2020	18.06.2021	Valid
2019	01.01.2019 - 31.12.2019	25.06.2020	Valid
2018	01.01.2018 - 31.12.2018	12.06.2019	Valid
2017	01.01.2017 - 31.12.2017	25.06.2018	Valid
2016	01.01.2016 - 31.12.2016	24.05.2017	Valid
2016	01.01.2016 - 31.12.2016	12.05.2017	Expired
2015	01.01.2015 - 31.12.2015	07.04.2016	Valid
2014	01.01.2014 - 31.12.2014	26.03.2015	Valid
2013	06.08.2012 - 31.12.2013	30.05.2014	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

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Tax debt

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111

Court decisions

Official announcements

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	64 999 €	6 970 €	241 797 €2 130.2%	1
Kokku 2026:	64 999 €	6 970 €	241 797 €146.6%
2025 Q4	10 175 €	6 835 €	10 842 €2.4%	1
2025 Q3	10 181 €	7 716 €	10 589 €60.1%	1
2025 Q2	13 543 €	7 716 €	26 506 €47.1%	1
2025 Q1	17 897 €	7 619 €	50 110 €806.3%	1
Kokku 2025:	51 796 €	29 886 €	98 047 €70.4%
2024 Q4	8 191 €	7 014 €	5 529 €286.4%	1
2024 Q3	9 991 €	9 770 €	1 431 €93.6%	1
2024 Q2	15 038 €	7 188 €	22 197 €92.7%	1
2024 Q1	49 683 €	26 220 €	302 466 €8 655.2%	-
Kokku 2024:	82 903 €	50 192 €	331 623 €289.1%
2023 Q4	35 522 €	36 298 €	3 455 €70.4%	7
2023 Q3	39 442 €	38 699 €	11 684 €72.2%	7
2023 Q2	33 196 €	32 344 €	42 071 €50.1%	7
2023 Q1	52 241 €	53 565 €	28 030 €94.8%	5
Kokku 2023:	160 401 €	160 905 €	85 239 €95.5%
2022 Q4	64 343 €	64 710 €	542 792 €20.2%	3
2022 Q3	65 478 €	59 591 €	451 464 €31.9%	12
2022 Q2	61 642 €	53 322 €	662 550 €175.6%	11
2022 Q1	57 121 €	53 907 €	240 441 €48.7%	10
Kokku 2022:	248 583 €	231 530 €	1 897 247 €1.6%
2021 Q4	53 923 €	49 881 €	468 627 €2.3%	10
2021 Q3	67 200 €	52 655 €	457 951 €19.8%	10
2021 Q2	44 897 €	47 091 €	571 329 €54.3%	10
2021 Q1	47 630 €	50 237 €	370 370 €96 519.1%	11
Kokku 2021:	213 650 €	199 865 €	1 868 277 €4 803.2%
2020 Q4	42 967 €	45 397 €	383 €23.5%	11
2020 Q3	51 212 €	52 572 €	501 €39.1%	9
2020 Q2	20 101 €	21 910 €	823 €97.7%	8
2020 Q1	39 711 €	41 617 €	36 396 €1 652.3%	9
Kokku 2020:	153 991 €	161 496 €	38 103 €779.8%
2019 Q4	34 797 €	36 515 €	2 077 €197.6%	9
2019 Q3	34 234 €	35 726 €	698 €2.9%	11
2019 Q2	30 951 €	32 478 €	678 €22.8%	10
2019 Q1	29 291 €	30 676 €	878 €6.6%	8
Kokku 2019:	129 273 €	135 395 €	4 331 €62.5%
2018 Q4	28 797 €	29 798 €	824 €1.7%	10
2018 Q3	24 575 €	25 633 €	810 €592.3%	10
2018 Q2	20 933 €	21 407 €	117 €87.2%	10
2018 Q1	17 573 €	18 138 €	914 €368.7%	6
Kokku 2018:	91 878 €	94 976 €	2 665 €53.8%
2017 Q4	16 448 €	16 528 €	195 €53.9%	6
2017 Q3	17 597 €	18 447 €	423 €87.6%	6
2017 Q2	15 421 €	15 461 €	3 421 €98.2%	5
2017 Q1	15 264 €	14 980 €	1 726 €99.0%	6
Kokku 2017:	64 730 €	65 416 €	5 765 €99.0%
2016 Q4	13 833 €	14 339 €	167 990 €5.2%	4
2016 Q3	13 075 €	13 628 €	159 656 €18.0%	4
2016 Q2	11 211 €	11 547 €	135 276 €17.4%	4
2016 Q1	9 322 €	9 839 €	115 262 €8.8%	4
Kokku 2016:	47 441 €	49 353 €	578 184 €27.0%
2015 Q4	7 837 €	8 247 €	105 966 €8.9%	1
2015 Q3	8 572 €	9 051 €	116 300 €10.6%	1
2015 Q2	9 591 €	10 119 €	130 030 €26.2%	1
2015 Q1	7 573 €	8 018 €	103 023 €	1
Kokku 2015:	33 573 €	35 435 €	455 319 €

Revenue by industry

	2020	2021	2022
Other lending, excl. pawnshops	849 345 €	788 729 €	995 609 €

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
Dovydas Asanavičius	38408XXXXXX	26.08.1984 (41)	Board member	11.05.2026	-
Šarūnas Ruzgys	37211XXXXXX	30.11.1972 (53)	Board member	16.07.2024	-

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

1 - 2 / 2 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
Nebbiolo Capital OÜ	-	31.03.2010 (16)	Shareholder	240 700,00 EUR	28,78	Sole ownership	05.03.2026	-
Esma Vara AS	10103XXX	04.12.1996 (29)	Shareholder	98 500,00 EUR	11,78	Sole ownership	24.08.2023	-

36 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
Heiki Vahermets	36307XXXXXX	23.07.1963 (62)	Supervisory-board member	29.04.2026	-
Oleg Švaikovski	37012XXXXXX	02.12.1970 (55)	Supervisory-board member	29.04.2024	-
Rein Ojavere	37409XXXXXX	25.09.1974 (51)	Supervisory-board member	29.04.2024	-
Veikko Maripuu	37205XXXXXX	10.05.1972 (54)	Chairman of the supervisory board	07.08.2022	-
Vahur Kraft	36103XXXXXX	11.03.1961 (65)	Supervisory-board member	07.08.2022	-

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

1 - 5 / 7 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Veikko Maripuu	37205XXXXXX	10.05.1972 (54)	Indirect holding	08.10.2018	-

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

1 - 1 / 1 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
OÜ Finora Factoring	01.03.2018	Shareholder	10 000,00 EUR	100	Sole ownership	01.09.2023	-
AS Bankish	02.05.2017	Shareholder	12 146,00 EUR	14,84	Sole ownership	16.08.2023	-

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

1 - 2 / 2 rows

2026 Q1

Turnover

Amount

241 797 €

Monthly average

80 599 €

Per employee

80 599 €

Equity ratio

9,64%

Labour taxes

Turnover ratio

2,88%

Tax ratio

10,72%

Monthly average

2 323 €

Per employee

2 323 €

State taxes

Monthly average

21 666 €

Turnover ratio

26,88%

Estimated salary

Gross salary

4 154 €

Net salary

3 234 €

Aggregate data

	2023	2022	2021	2020	2019
Current assets	5 167 565 €10.7%	-	-	5 784 673 €11.1%	6 505 095 €
Non-current assets	5 445 745 €98.3%	-	-	2 746 092 €569.7%	410 034 €
Total assets	10 613 310 €14.6%	12 423 506 €8.0%	11 506 335 €34.9%	8 530 765 €23.4%	6 915 129 €
Short-term liabilities	-	-	-	-	6 289 087 €
Long-term liabilities	-	-	-	-	-
Total liabilities	-	-	-	-	6 289 087 €
Share or stock capital	551 673 €20.1%	-	-	459 332 €64.2%	279 823 €
Retained earnings	4 967 183 €87.4%	-	-	2 651 194 €394.1%	536 567 €
Net profit	-953 907 €100.2%	-	-	-476 529 €150.3%	-190 348 €
Equity	4 564 949 €73.3%	-	-	2 633 997 €320.7%	626 042 €
Turnover	-	995 609 €26.2%	788 729 €7.1%	849 345 €10.7%	767 057 €
Profit margin	0.00%	0.00%	0.00%	-56.11%126.1%	-24.82%

Financial ratios

	2023	2020	2019	2018	2017
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	-	-	P.L	1.1	1.0
Quick ratio	-	-	H.K	1.1	1.0
Cash ratio	-	-	B.X	0.0	0.0
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	M.L	W.P	L.C	0.9	0.9
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	Q.M%	C.K%	Q.S%	0.0%	0.0%
Return on equity (roe)	H.L%	V.F%	L.W%	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	Status
Ä 10172101 / 51	11.05.2026	Entry - Amendment entry	Entered into force (11.05.2026)
Ä 10172101 / 50	08.05.2026	Entry - Amendment entry	Entered into force (08.05.2026)
Ä 10172101 / 49	30.03.2026	Entry - Amendment entry	Entered into force (30.03.2026)
Ä 10172101 / 48	25.02.2026	Entry - Amendment entry	Entered into force (25.02.2026)
Ä 10172101 / M16	18.02.2026	Directive order - Amendment entry	Entered into force (18.02.2026)

1 - 5 / 68 rows

Real estate

No real estate found

Company has no real estate

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

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
2-22-596/54						10.02.2026
2-22-11472/58						23.12.2025
2-25-3484/19	Civil case	Court judgment	Law of obligations	Ants Mailend	ECLI:EE:HMK:2025:2.25.3484.18606	15.10.2025
2-20-11436/65	Civil case	Court ruling	Bankruptcy law	Ülle Raag	ECLI:EE:TMK:2025:2.20.11436.15799	02.10.2025
2-21-10278/35	Civil case	Court ruling	Bankruptcy law	Zakaria Nemsitsveridze	ECLI:EE:TMK:2025:2.21.10278.15822	23.09.2025

1 - 5 / 111 rows

Official announcements

Subject	Date
Notice of auction of immovable property in enforcement proceedings	08.07.2025
Notice of auction of immovable property in enforcement proceedings	28.05.2025
Notice of auction of immovable property in enforcement proceedings	27.03.2025
Notice of auction of immovable property in enforcement proceedings	24.01.2025
Notice of auction of immovable property in enforcement proceedings	14.01.2025

1 - 5 / 8 rows

Public transactions

Date	Party	Amount	Classification
24.01.2025	Hiiumaa Gümnaasium	581.83 € Received	OPERATING EXPENSES Basic and general secondary education
23.12.2024	Hiiumaa Gümnaasium	581.83 € Received	OPERATING EXPENSES Basic and general secondary education
26.11.2024	Hiiumaa Gümnaasium	581.83 € Received	OPERATING EXPENSES Basic and general secondary education
22.10.2024	Hiiumaa Gümnaasium	581.83 € Received	OPERATING EXPENSES Basic and general secondary education
24.09.2024	Hiiumaa Gümnaasium	581.83 € Received	OPERATING EXPENSES Basic and general secondary education

1 - 5 / 54 rows

.ee domains

Domain	Status	Registered	Expires	End
finoragrupp.ee	Active	18.12.2022	19.12.2026	-
finoragroup.ee	Active	18.12.2022	19.12.2026	-
finorapank.ee	Active	11.01.2022	12.01.2027	-
loomelaen.ee	Active	10.01.2020	11.01.2027	-
finorabank.ee	Active	12.03.2019	13.03.2027	-

1 - 5 / 9 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