AS LHV Finance

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

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No unsubmitted declarations as of 03.11.2026.

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Tax debt Reports Declarations Court decisions158 Official announcements5 TTJA decisions1 Real estate–.ee domains–Licenses–Regulations15 Public transactions–Grants–State aid–Public procurement–Holdings in companies–Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	91 883 €	94 200 €	-	16
2026 Q2	1,84 M €	98 568 €	-	17
2026 Q1	101 796 €	102 391 €	-	17
Total 2026:	2,04 M €	295 159 €	0 €
2025 Q4	96 116 €	99 433 €	-	17
2025 Q3	106 398 €	112 216 €	-	17
2025 Q2	1,74 M €	108 224 €	-	18
2025 Q1	112 340 €	116 455 €	-	19
Total 2025:	2,05 M €	436 328 €	0 €
2024 Q4	94 962 €	96 882 €	-	22
2024 Q3	102 508 €	107 872 €	-	24
2024 Q2	428 955 €	108 892 €	-	24
2024 Q1	98 769 €	101 439 €	-	25
Total 2024:	725 194 €	415 085 €	0 €
2023 Q4	94 294 €	97 632 €	-	26
2023 Q3	94 191 €	98 723 €	-	25
2023 Q2	677 265 €	101 715 €	39 937 €−10,2%	27
2023 Q1	120 930 €	115 460 €	44 497 €−31,7%	24
Total 2023:	986 680 €	413 530 €	84 434 €
2022 Q4	110 625 €	100 637 €	65 146 €+19,4%	29
2022 Q3	112 292 €	105 354 €	54 549 €+27,5%	28
2022 Q2	1,20 M €	91 226 €	42 772 €−36,7%	29
2022 Q1	91 491 €	81 355 €	67 593 €+90,0%	28
Total 2022:	1,52 M €	378 572 €	230 060 €
2021 Q4	87 988,14 €	83 845,58 €	35 578,34 €−4,9%	24
2021 Q3	83 689,78 €	80 008,49 €	37 424,99 €−14,7%	26
2021 Q2	1,27 M €	78 376,37 €	43 868,47 €+5,2%	25
2021 Q1	82 686,94 €	77 538,51 €	41 711,16 €+8,3%	24
Total 2021:	1,52 M €	319 768,95 €	158 582,96 €
2020 Q4	80 017,06 €	75 977,79 €	38 517,27 €−9,5%	25
2020 Q3	79 883,66 €	74 905,71 €	42 543,25 €−4,7%	25
2020 Q2	908 065,88 €	77 928,22 €	44 639,03 €+4,4%	24
2020 Q1	68 156 €	80 954 €	42 739 €−32,1%	27
Total 2020:	1,14 M €	309 765,72 €	168 438,55 €
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 €+312%	32
Total 2019:	1,17 M €	350 815 €	335 299 €
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
Total 2018:	1,29 M €	432 596 €	177 781 €
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
Total 2017:	344 027 €	329 150 €	126 347 €
2016 Q4	69 467 €	65 438 €	1,63 M €−5,5%	20
2016 Q3	70 194 €	69 251 €	1,72 M €+4,5%	20
2016 Q2	72 990 €	66 296 €	1,65 M €−20,4%	20
2016 Q1	93 135 €	83 235 €	2,07 M €+118%	20
Total 2016:	305 786 €	284 220 €	7,07 M €
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 €	1,11 M €	19
Total 2015:	260 318 €	227 694 €	3,93 M €

Revenue by industry

	2023	2024	2025
Other lending, excl. pawnshops	16 515 469 €	15 511 183 €	16 097 631 €

Tax debts

No tax debt found

No tax debt as of 03.11.2026

Representatives

	Personal ID code
Heidy Kütt	47806XXXXXX	14.06.1978 (48)	Board member	23.01.2023	-

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Shareholders

	Personal ID code
AS LHV Pank	10539549	02.03.1999 (27)	Shareholder	130 000 EUR	65,00%	Sole ownership	16.08.2023	-
Toveko Invest OÜ	12406049	16.01.2013 (13)	Shareholder	70 000 EUR	35,00%	Sole ownership	16.08.2023	-

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Other persons

	Personal ID code
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	10142876	30.04.1997 (29)	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	-

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Ultimate beneficial owners

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

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q3

Turnover

Amount: 0 €
Monthly average: 0 €
Per employee: -

Labour taxes

Turnover ratio: -
Tax ratio: 102,52%
Monthly average: 31 400 €
Per employee: 1 903 €

State taxes

Monthly average: 30 628 €
Turnover ratio: -

Estimated salary

Gross salary: 3 438 €
Net salary: 2 739 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	-	-	-	-	-	65 806 000 €+0,8%	65 299 000 €
Non-current assets	-	-	93 549 000 €+207 787%	-	-	45 000 €−78,3%	207 000 €
Total assets	94 342 208 €+8,3%	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	-	-	14 970 000 €+43,9%	-	-	10 400 000 €+32,0%	7 879 000 €
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	16 097 631 €+3,8%	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	-	-	17,3%	-	-	56,2%	55,5%

Financial ratios

	2020	2019
Profit and cash flow
EBITDA	-	-
Liquidity
Current ratio	1,4	1,3
Quick ratio	1,4	1,3
Cash ratio	0,0	0,0
Efficiency
Days sales outstanding (dso)	-	-
Asset turnover	-	-
Structure
Debt ratio	0,7	0,8
Profitability
Operating margin	-	-
Net profit margin	-	-
Return on assets (roa)	-	-
Return on equity (roe)	-	-

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 10178921 / 11	23.01.2023	Entry – Amendment entry	-	Entered into force23.01.2023
Ä 10178921 / M4	03.08.2022	Order to remedy annual-report deficiencies	02.09.2022	Deficiencies remedied11.08.2022
Ä 10178921 / 10	01.02.2021	Entry – Amendment entry	-	Entered into force01.02.2021
Ä 10178921 / 9	10.04.2018	Entry – Amendment entry	-	Entered into force10.04.2018
Ä 10178921 / 8	02.02.2018	Entry – Amendment entry	-	Entered into force02.02.2018

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions


19-1/25-16907-001	Alar Urm	Against the consumer	24.04.2026	PDF

Court decisions


2-25-10285/32	Kohtu I astme menetlus	Court ruling	308760868	Raina Pärn	ECLI:EE:TMK:2026:2.25.10285.16698	09.10.2026	Open
2-25-8942/14	Kohtu I astme menetlus	Court ruling	308760868	Zakaria Nemsitsveridze	ECLI:EE:TMK:2026:2.25.8942.16794	07.10.2026	Open
1-26-6442/10	Kohtu I astme menetlus	Court judgment	Varavastased süüteod, Poliitiliste ja kodanikuõiguste vastased süüteod, Avaliku usalduse vastased süüteod	Heli Sillaots	ECLI:EE:TMK:2026:1.26.6442.15804	28.09.2026	Open
2-19-12128/82	Kohtu I astme menetlus	Court ruling	Bankruptcy law	Maimu Laumets	ECLI:EE:TMK:2026:2.19.12128.15623	11.09.2026	Open
2-26-5673/18	Kohtu I astme menetlus	Court ruling	308760868	Eveli Vavrenjuk	ECLI:EE:TMK:2026:2.26.5673.16093	21.08.2026	Open

Official announcements


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

Public transactions

No public transactions found

Company has no public transactions

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid

No state aid found

The company has not been granted state aid or de minimis aid

Public procurement contracts

No public procurement contracts found

The company has no public procurement contracts

.ee domains

No domains found

Company has no valid .ee domains

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

Data comes from public registers.