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AS LHV Finance

Legal form:

Public limited company

Registry code:

12417231

VAT no.:

EE100530247

Fiscal-year period:

01.01 - 31.12

Established:

06.02.2013 (13)

Capital:

200 000 EUR

Address:

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

Status:

Registered

Contacts

Email:

lhvfinance@lhv.ee

Phone:

+372 6800400

Phone:

+372 6802700

Website:

www.lhv.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
EE100530247	01.07.2024
EE100530247	01.04.2023	30.06.2024
EE101611783	13.02.2013	31.03.2023

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	13.05.2026	Valid
2024	01.01.2024 - 31.12.2024	11.04.2025	Valid
2023	01.01.2023 - 31.12.2023	05.04.2024	Valid
2022	01.01.2022 - 31.12.2022	22.05.2023	Valid
2021	01.01.2021 - 31.12.2021	11.08.2022	Valid
2021	01.01.2021 - 31.12.2021	31.05.2022	Expired
2020	01.01.2020 - 31.12.2020	14.04.2021	Valid
2019	01.01.2019 - 31.12.2019	06.03.2020	Valid
2018	01.01.2018 - 31.12.2018	02.04.2019	Valid
2017	01.01.2017 - 31.12.2017	10.04.2018	Valid
2016	01.01.2016 - 31.12.2016	30.05.2017	Valid
2015	01.01.2015 - 31.12.2015	25.05.2016	Valid
2014	01.01.2014 - 31.12.2014	31.03.2015	Valid
2013	06.02.2013 - 31.12.2013	02.06.2014	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

View summary

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Tax debt

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Unsubmitted reports

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Unsubmitted declarations

140

Court decisions

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	101 796 €	102 391 €	0 €	18
Kokku 2026:	101 796 €	102 391 €	0 €
2025 Q4	96 116 €	99 433 €	0 €	18
2025 Q3	106 398 €	112 216 €	0 €	18
2025 Q2	1 739 400 €	108 224 €	0 €	19
2025 Q1	112 340 €	116 455 €	0 €	19
Kokku 2025:	2 054 254 €	436 328 €	0 €
2024 Q4	94 962 €	96 882 €	0 €	22
2024 Q3	102 508 €	107 872 €	0 €	23
2024 Q2	428 955 €	108 892 €	0 €	23
2024 Q1	98 769 €	101 439 €	0 €	24
Kokku 2024:	725 194 €	415 085 €	0 €100.0%
2023 Q4	94 294 €	97 632 €	0 €	26
2023 Q3	94 191 €	98 723 €	0 €100.0%	24
2023 Q2	677 265 €	101 715 €	39 937 €10.2%	26
2023 Q1	120 930 €	115 460 €	44 497 €31.7%	24
Kokku 2023:	986 680 €	413 530 €	84 434 €63.3%
2022 Q4	110 625 €	100 637 €	65 146 €19.4%	30
2022 Q3	112 292 €	105 354 €	54 549 €27.5%	28
2022 Q2	1 203 034 €	91 226 €	42 772 €36.7%	29
2022 Q1	91 491 €	81 355 €	67 593 €90.0%	27
Kokku 2022:	1 517 442 €	378 572 €	230 060 €45.1%
2021 Q4	87 988 €	83 846 €	35 578 €4.9%	24
2021 Q3	83 690 €	80 008 €	37 425 €14.7%	26
2021 Q2	1 266 774 €	78 376 €	43 868 €5.2%	25
2021 Q1	82 687 €	77 539 €	41 711 €8.3%	24
Kokku 2021:	1 521 139 €	319 769 €	158 583 €5.9%
2020 Q4	80 017 €	75 978 €	38 517 €9.5%	25
2020 Q3	79 884 €	74 906 €	42 543 €4.7%	25
2020 Q2	908 066 €	77 928 €	44 639 €4.4%	24
2020 Q1	68 156 €	80 954 €	42 739 €32.1%	27
Kokku 2020:	1 136 123 €	309 766 €	168 439 €49.8%
2019 Q4	91 344 €	80 684 €	62 930 €49.1%	28
2019 Q3	94 984 €	89 718 €	42 211 €56.6%	29
2019 Q2	863 981 €	88 361 €	97 257 €26.8%	28
2019 Q1	116 306 €	92 052 €	132 901 €311.9%	32
Kokku 2019:	1 166 615 €	350 815 €	335 299 €88.6%
2018 Q4	108 980 €	106 330 €	32 268 €31.8%	34
2018 Q3	111 192 €	105 819 €	47 316 €4.2%	34
2018 Q2	943 801 €	102 307 €	45 400 €14.0%	35
2018 Q1	124 235 €	118 140 €	52 797 €48.8%	33
Kokku 2018:	1 288 208 €	432 596 €	177 781 €40.7%
2017 Q4	106 782 €	104 470 €	35 482 €7.3%	31
2017 Q3	80 623 €	76 762 €	33 079 €2.5%	26
2017 Q2	73 160 €	69 723 €	32 265 €26.4%	24
2017 Q1	83 462 €	78 195 €	25 521 €98.4%	22
Kokku 2017:	344 027 €	329 150 €	126 347 €98.2%
2016 Q4	69 467 €	65 438 €	1 626 735 €5.5%	20
2016 Q3	70 194 €	69 251 €	1 721 525 €4.5%	20
2016 Q2	72 990 €	66 296 €	1 648 064 €20.4%	20
2016 Q1	93 135 €	83 235 €	2 069 153 €118.4%	20
Kokku 2016:	305 786 €	284 220 €	7 065 477 €79.9%
2015 Q4	61 669 €	54 941 €	947 474 €0.6%	19
2015 Q3	65 105 €	54 605 €	941 684 €1.3%	19
2015 Q2	60 830 €	53 911 €	929 724 €16.1%	19
2015 Q1	72 714 €	64 237 €	1 107 800 €	19
Kokku 2015:	260 318 €	227 694 €	3 926 682 €

Revenue by industry

	2022	2023	2024
Other lending, excl. pawnshops	13 790 000 €	16 515 469 €	15 511 183 €

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
Heidy Kütt	47806XXXXXX	14.06.1978 (47)	Board member	23.01.2023	-

5 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 Pank	-	02.03.1999 (27)	Shareholder	130 000,00 EUR	65	Sole ownership	16.08.2023	-
Toveko Invest OÜ	-	16.01.2013 (13)	Shareholder	70 000,00 EUR	35	Sole ownership	16.08.2023	-

4 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
Erki Kilu	37512XXXXXX	14.12.1975 (50)	Chairman of the supervisory board	01.04.2026	-
Mihkel Torim	38101XXXXXX	25.01.1981 (45)	Supervisory-board member	22.07.2025	-
Aktsiaselts PricewaterhouseCoopers	-	-	Audit firm	05.01.2024	-
Jaan Koppel	36705XXXXXX	09.05.1967 (59)	Supervisory-board member	25.08.2023	-
Veiko Poolgas	37805XXXXXX	21.05.1978 (48)	Supervisory-board member	25.08.2023	-

12 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
Erki Kilu	37512XXXXXX	14.12.1975 (50)	Member of higher governing body (board or supervisory board)	08.04.2026	-

4 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

100,58%

Monthly average

34 130 €

Per employee

1 896 €

State taxes

Monthly average

33 932 €

Turnover ratio

0,00%

Estimated salary

Gross salary

3 434 €

Net salary

2 699 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	-	-	-	-	65 806 000 €0.8%	65 299 000 €
Non-current assets	-	93 549 000 €207 786.7%	-	-	45 000 €78.3%	207 000 €
Total assets	87 080 160 €6.9%	93 549 000 €2.0%	91 711 000 €32.7%	69 088 000 €4.9%	65 851 000 €0.5%	65 506 000 €
Short-term liabilities	-	-	-	-	-	-
Long-term liabilities	-	-	-	-	-	-
Total liabilities	-	-	-	-	-	-
Share or stock capital	-	200 000 €	-	-	200 000 €	200 000 €
Retained earnings	-	15 290 000 €42.6%	-	-	10 720 000 €30.7%	8 199 000 €
Net profit	-	2 856 000 €60.1%	-	-	7 153 000 €9.1%	6 559 000 €
Equity	-	18 346 000 €1.5%	-	-	18 073 000 €20.8%	14 958 000 €
Turnover	15 511 183 €6.1%	16 515 469 €19.8%	13 790 000 €11.7%	12 345 000 €3.0%	12 731 000 €7.8%	11 810 000 €
Profit margin	0.00%	17.29%69.2%	0.00%	0.00%	56.19%1.2%	55.54%

Financial ratios

	2023	2020	2019	2018	2017
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	-	-	-	-	-
Quick ratio	-	-	-	-	-
Cash ratio	-	-	-	-	-
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	X.S	B.N	R.F	0.8	0.8
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	A.L%	K.K%	B.S%	0.0%	0.0%
Return on equity (roe)	O.A%	A.W%	K.F%	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 10178921 / 11	23.01.2023	Entry - Amendment entry		Entered into force (23.01.2023)
Ä 10178921 / M4	03.08.2022	Order to remedy annual-report deficiencies	02.09.2022	Deficiencies remedied (11.08.2022)
Ä 10178921 / 10	01.02.2021	Entry - Amendment entry		Entered into force (01.02.2021)
Ä 10178921 / 9	10.04.2018	Entry - Amendment entry		Entered into force (10.04.2018)
Ä 10178921 / 8	02.02.2018	Entry - Amendment entry		Entered into force (02.02.2018)

1 - 5 / 15 rows

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions

Document no.	Composition	Decision	Date
19-1/25-16907-001	Alar Urm	Against the consumer	24.04.2026

1 - 1 / 1 rows

Court decisions

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date	Participants
2-22-91/54						26.02.2026
2-21-17635/22						23.02.2026
2-22-3422/68						23.02.2026
1-25-7326/12						17.02.2026
2-25-2796/27						28.01.2026

1 - 5 / 140 rows

Official announcements

Subject	Date
Notice of termination of bankruptcy proceedings upon approval of the final report	13.11.2025
Notice of approval of a debt-restructuring plan	21.08.2025
Notice of termination of bankruptcy proceedings	30.04.2025
Notice of approval of the list of creditors	25.04.2025
Notice of approval of the list of creditors	22.04.2025

AS LHV Finance

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Consumer Disputes Committee decisions

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Public transactions

No public transactions found

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Payment orders

No payment orders found