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???

Credit rating

Tax data

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Tax debts

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Credit One OÜ

Legal form:

Private limited company

Registry code:

12449426

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

04.04.2013 (13)

Capital:

6 000 EUR

Address:

Tondi tn 51, Kristiine linnaosa, Tallinn, Harju maakond, 11316

Status:

Registered

Contacts

Email:

madis.herkul@gmail.com

Phone:

+372 5016252

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

No VAT obligation history found

Company has not been issued any VAT ID number

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	25.06.2025	Valid
2023	01.01.2023 - 31.12.2023	26.06.2024	Valid
2022	01.01.2022 - 31.12.2022	20.06.2023	Valid
2021	01.01.2021 - 31.12.2021	28.06.2022	Valid
2020	01.01.2020 - 31.12.2020	30.06.2021	Valid
2019	01.01.2019 - 31.12.2019	29.06.2020	Valid
2018	01.01.2018 - 31.12.2018	25.06.2019	Valid
2017	01.01.2017 - 31.12.2017	29.06.2018	Valid
2016	01.01.2016 - 31.12.2016	26.06.2017	Valid
2015	01.01.2015 - 31.12.2015	30.06.2016	Valid
2014	01.01.2014 - 31.12.2014	18.06.2015	Valid
2013	04.04.2013 - 31.12.2013	30.06.2014	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

? Risk factors

? Strengths

View summary

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Tax debt

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Unsubmitted reports

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Unsubmitted declarations

Court decisions

Official announcements

TTJA decisions

Real estate

.ee domains

Licenses

Regulations

Public transactions

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Payment orders

Tax data

	State taxes	Labour taxes	Employees
2022 Q2	100 €	100 €	-
2022 Q1	309 €	300 €	-
Kokku 2022:	409 €	400 €
2021 Q4	300 €	300 €	-
2021 Q3	400 €	400 €	-
2021 Q2	600 €	600 €	-
2021 Q1	600 €	600 €	-
Kokku 2021:	1 900 €	1 900 €
2020 Q4	600 €	600 €	-
2020 Q3	600 €	600 €	-
2020 Q2	600 €	600 €	-
2020 Q1	600 €	600 €	0
Kokku 2020:	2 400 €	2 400 €
2019 Q4	690 €	600 €	0
2019 Q3	500 €	500 €	0
2019 Q2	390 €	300 €	0
2019 Q1	300 €	300 €	0
Kokku 2019:	1 880 €	1 700 €
2018 Q4	390 €	300 €	0
2018 Q3	200 €	200 €	0
2018 Q2	91 €	0 €	0
2018 Q1	0 €	0 €	0
Kokku 2018:	681 €	500 €
2017 Q4	90 €	0 €	0
2017 Q3	0 €	0 €	0
2017 Q2	0 €	0 €	0
2017 Q1	91 €	0 €	0
Kokku 2017:	181 €	0 €
2016 Q4	90 €	0 €	0
2016 Q3	0 €	0 €	0
2016 Q2	0 €	0 €	0
2016 Q1	91 €	0 €	0
Kokku 2016:	181 €	0 €
2015 Q4	0 €	0 €	0
2015 Q3	0 €	0 €	0
2015 Q2	0 €	0 €	0
2015 Q1	0 €	0 €	0
Kokku 2015:	0 €	0 €

Revenue by industry

	2022	2023	2024
Other lending, excl. pawnshops	115 333 €	166 910 €	370 164 €

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
Peeter Kukk	35604XXXXXX	03.04.1956 (70)	Board member	14.09.2017	-
Madis Herkül	37706XXXXXX	02.06.1977 (49)	Board member	04.04.2013	-

1 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
OÜ Trendamo	-	27.08.2004 (21)	Shareholder	3 000,00 EUR	50	Sole ownership	02.09.2023	-
Zoom Invest OÜ	-	03.04.2007 (19)	Shareholder	3 000,00 EUR	50	Sole ownership	02.09.2023	-

2 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
Zoom Invest OÜ	-	-	Founder	03.04.2013	-
OÜ Trendamo	-	-	Founder	03.04.2013	-

1 - 2 / 2 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Madis Herkül	37706XXXXXX	02.06.1977 (49)	Indirect holding	04.12.2023	-
Peeter Kukk	35604XXXXXX	03.04.1956 (70)	Indirect holding	04.12.2023	-

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

1 - 2 / 2 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

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

2022 Q2

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

100,00%

Monthly average

33 €

Per employee

0 €

State taxes

Monthly average

33 €

Turnover ratio

0,00%

Estimated salary

Gross salary

0 €

Net salary

0 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	558 517 €73.5%	2 109 417 €167.8%	787 818 €36.8%	1 246 522 €29.8%	1 776 525 €25.8%	2 395 026 €
Non-current assets	-	-	-	99 000 €1 863.5%	5 042 €2.1%	4 936 €
Total assets	558 517 €73.5%	2 109 417 €167.8%	787 818 €41.4%	1 345 522 €24.5%	1 781 567 €25.8%	2 399 962 €
Short-term liabilities	339 211 €83.0%	1 999 873 €188.3%	693 676 €44.7%	1 254 274 €28.4%	1 751 704 €24.8%	2 329 652 €
Long-term liabilities	-	-	-	-	-	-
Total liabilities	339 211 €83.0%	1 999 873 €188.3%	693 676 €44.7%	1 254 274 €28.4%	1 751 704 €24.8%	2 329 652 €
Share or stock capital	6 000 €	6 000 €	6 000 €	6 000 €	6 000 €	6 000 €
Retained earnings	103 544 €17.5%	88 142 €3.4%	85 248 €257.2%	23 863 €62.9%	64 308 €71.9%	228 680 €
Net profit	109 762 €612.6%	15 402 €432.2%	2 894 €95.3%	61 385 €251.8%	-40 445 €75.4%	-164 370 €
Equity	219 306 €100.2%	109 544 €16.4%	94 142 €3.2%	91 248 €205.6%	29 863 €57.5%	70 310 €
Turnover	370 164 €121.8%	166 910 €44.7%	115 333 €57.2%	269 252 €9.4%	246 050 €37.1%	391 287 €
Profit margin	29.65%221.3%	9.23%267.7%	2.51%89.0%	22.80%238.7%	-16.44%60.9%	-42.01%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	V.S	K.Q	U.Y	1.0	1.0
Quick ratio	Y.A	E.G	L.Q	1.0	1.0
Cash ratio	Y.B	R.S	S.Q	0.0	0.0
Efficiency
Days sales outstanding (dso)	N MVV.V	Z TFS.Z	S FJW.Z	2 028.3	3 037.3
Asset turnover	R.T	C.U	D.N	0.2	0.1
Structure
Debt ratio	G.T	J.D	S.C	0.9	1.0
Profitability
Operating margin	OD.L%	UK.E%	UPA.K%	162.8%	78.9%
Net profit margin	QD.M%	Q.G%	K.H%	22.8%	-16.4%
Return on assets (roa)	H.B%	Q.F%	X.D%	3.9%	-1.9%
Return on equity (roe)	PX.Z%	GV.P%	G.N%	67.3%	-135.4%

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Licences & notices

Type	Number	Field	Status	Start	End
License	FFA000164	Financial services > Operating as a financing institution	Valid	06.02.2015	-

1 - 1 / 1 rows

Regulations

Regulation no.	Date	Type	Status
Ä 10181289 / 8	02.09.2023	Entry - Amendment entry	Entered into force (02.09.2023)
Ä 10181289 / 7	18.01.2018	Entry - Amendment entry	Entered into force (18.01.2018)
Ä 10181289 / 6	05.12.2017	Entry - Amendment entry	Entered into force (05.12.2017)
Ä 10181289 / 5	14.09.2017	Entry - Amendment entry	Entered into force (14.09.2017)
Ä 10181289 / 4	09.12.2016	Entry - Amendment entry	Entered into force (09.12.2016)

1 - 5 / 9 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
2-16-6975/123	Civil case	Court judgment	Property law	Margo Klaar, Imbi Sidok-Toomsalu, Gea Lepik	ECLI:EE:TLRK:2021:2.16.6975.23331	28.09.2021
2-16-6975/115	Civil case	Court judgment	Property law	Kairi Piirisild	ECLI:EE:HMK:2021:2.16.6975.23845	01.03.2021
2-17-14152/23	Civil case	Court judgment	Law of obligations	Ande Tänav, Gaida Kivinurm, Iko Nõmm	ECLI:EE:TLRK:2019:2.17.14152.8083	15.02.2019
2-16-6975/78	Civil case	Court judgment	Property law	Ande Tänav, Gaida Kivinurm, Iko Nõmm	ECLI:EE:TLRK:2019:2.16.6975.13844	15.02.2019
2-17-14152/16	Civil case	Court judgment	Law of obligations	Kaire Pullerits	ECLI:EE:HMK:2018:2.17.14152.27074	02.10.2018

1 - 5 / 9 rows

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

No public transactions found

Company has no public transactions

.ee domains

Domain	Status	Registered	Expires	End
credit1.ee	Active	19.09.2019	20.09.2026	-
creditone.ee	Active	11.03.2015	12.03.2028	-

1 - 2 / 2 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