Saare Finants OÜ

Legal form:: Private limited company
Registry code:: 12523163
VAT no.:: -
Fiscal-year period:: 01.01 - 31.12
Established:: 21.08.2013 (13 y)
Capital:: 50 000 EUR
Address:: Kohtu tn 1, Kuressaare linn, Saaremaa vald, Saare maakond, 93819
Status:: Registered

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Contacts

Phone:: +372 5168633
Email:: info@lihtnelaen.ee

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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

Industry TOP17 companies in the activity

1.ESTO Holdings OÜ2.5M €
2.Primero Finance OÜ1.3M €
3.PLACET GROUP OÜ1M €
4.ESTO AS979k €
5.BB Finance OÜ341.4k €
6.OÜ SME Capital 3 Estonia336.1k €
7.Engeros Finance OÜ262.8k €
8.OÜ Polar Finance240.2k €
9.Helto Grupp OÜ146.1k €
10.HypoCredit OÜ84.1k €

Main activity 64929 · turnover over the last 4 quarters

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VAT liability

No VAT obligation history found

Company has not been issued any VAT ID number

Annual reports

Aggregate data

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	01.07.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	26.06.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	25.06.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	18.09.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	17.06.2022	Valid	PDF
2020	01.01.2020 – 31.12.2020	28.06.2021	Valid	PDF
2019	01.01.2019 – 31.12.2019	18.02.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	06.02.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	13.04.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	06.07.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	03.03.2016	Valid	PDF
2014	01.01.2014 – 31.12.2014	30.03.2015	Valid	PDF
2013	21.08.2013 – 31.12.2013	28.05.2014	Valid	PDF

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 22.10.2026.

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Tax debt Reports Declarations Court decisions6 Official announcements7 TTJA decisions–Real estate–.ee domains–Licenses–Regulations9 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 Q2	2 344 €	2 430 €	-	-
Total 2026:	2 344 €	2 430 €	0 €
2024 Q2	8 €	0 €	-	-
Total 2024:	8 €	0 €	0 €
2020 Q1	0 €	0 €	0 €	0
Total 2020:	0 €	0 €	0 €
2019 Q4	0 €	0 €	0 €	0
2019 Q3	0 €	0 €	0 €	0
2019 Q2	0 €	0 €	0 €	0
2019 Q1	0 €	0 €	0 €	0
Total 2019:	0 €	0 €	0 €
2018 Q4	0 €	0 €	0 €	0
2018 Q3	0 €	0 €	0 €	0
2018 Q2	0 €	0 €	0 €	0
2018 Q1	0 €	0 €	0 €	0
Total 2018:	0 €	0 €	0 €
2017 Q4	0 €	0 €	0 €	0
2017 Q3	0 €	0 €	0 €	0
2017 Q2	0 €	0 €	0 €	0
2017 Q1	0 €	0 €	0 €	0
Total 2017:	0 €	0 €	0 €
2016 Q4	0 €	0 €	0 €	0
2016 Q3	0 €	0 €	0 €	0
2016 Q2	0 €	0 €	0 €	0
2016 Q1	0 €	0 €	0 €	0
Total 2016:	0 €	0 €	0 €
2015 Q4	0 €	0 €	0 €	0
2015 Q3	0 €	0 €	0 €	0
2015 Q2	0 €	0 €	0 €	0
2015 Q1	0 €	0 €	0 €	0
Total 2015:	0 €	0 €	0 €

Revenue by industry

	2023	2024	2025
Other lending, excl. pawnshops	229 713 €	160 014 €	78 607 €

Tax debts

No tax debt found

No tax debt as of 22.10.2026

Representatives

	Personal ID code
Andre Sõrm	38006XXXXXX	28.06.1980 (46)	Board member	21.08.2013	-

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Shareholders

	Personal ID code
Vjatšeslav Leedo	35205XXXXXX	21.05.1952 (74)	Shareholder	45 000 EUR	90,00%	Sole ownership	05.10.2026	-
Andre Sõrm	38006XXXXXX	28.06.1980 (46)	Shareholder	5 000 EUR	10,00%	Sole ownership	05.10.2026	-

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Other persons

	Personal ID code
Vjatšeslav Leedo	35205XXXXXX	21.05.1952 (74)	Founder	21.08.2013	-

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Ultimate beneficial owners

	Personal ID code
Andre Sõrm	38006XXXXXX	28.06.1980 (46)	Direct holding	12.01.2021	-
Vjatšeslav Leedo	35205XXXXXX	21.05.1952 (74)	Direct holding	13.09.2018	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q2

Turnover

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

Labour taxes

Turnover ratio: -
Tax ratio: 103,67%
Monthly average: 810 €
Per employee: -

State taxes

Monthly average: 781 €
Turnover ratio: -

Estimated salary

Gross salary: -
Net salary: -

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	822 063 €−59,6%	2 032 394 €+8,0%	1 881 459 €+162%	718 253 €+25,5%	572 372 €−0,5%	575 318 €+7,6%	534 827 €
Non-current assets	1 539 107 €+362%	333 358 €−31,8%	489 109 €−68,9%	1 571 831 €−2,5%	1 612 714 €+367%	345 649 €+15,9%	298 231 €
Total assets	2 361 170 €−0,2%	2 365 752 €−0,2%	2 370 568 €+3,5%	2 290 084 €+4,8%	2 185 086 €+137%	920 967 €+10,6%	833 058 €
Short-term liabilities	1 537 404 €+1,8%	1 510 801 €−3,8%	1 570 349 €+333%	362 305 €+277%	96 212 €−79,0%	458 309 €+50,1%	305 386 €
Long-term liabilities	-	76 911 €−34,6%	117 648 €−91,5%	1 383 452 €−15,0%	1 627 930 €+2 595%	60 396 €−72,0%	216 016 €
Total liabilities	1 537 404 €−3,2%	1 587 712 €−5,9%	1 687 997 €−3,3%	1 745 757 €+1,3%	1 724 142 €+232%	518 705 €−0,5%	521 402 €
Share or stock capital	-	-	-	-	-	-	-
Retained earnings	728 040 €+15,1%	632 571 €+28,0%	494 327 €+20,3%	410 944 €+16,7%	352 262 €+34,6%	261 656 €+38,9%	188 334 €
Net profit	45 726 €−52,1%	95 469 €−30,9%	138 244 €+65,8%	83 383 €+42,1%	58 682 €−35,2%	90 606 €+23,6%	73 322 €
Equity	823 766 €+5,9%	778 040 €+14,0%	682 571 €+25,4%	544 327 €+18,1%	460 944 €+14,6%	402 262 €+29,1%	311 656 €
Turnover	78 607 €−50,9%	160 014 €−30,3%	229 713 €+7,6%	213 483 €+40,4%	152 095 €+31,5%	115 628 €−6,0%	123 072 €
Profit margin	58,2%	59,7%	60,2%	39,1%	38,6%	78,4%	59,6%

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	-	-
Liquidity
Current ratio	2,0	5,9
Quick ratio	2,0	5,9
Cash ratio	0,1	0,2
Efficiency
Days sales outstanding (dso)	2 722,4	2 571,8
Asset turnover	0,1	0,1
Structure
Debt ratio	0,8	0,8
Profitability
Operating margin	93,7%	86,6%
Net profit margin	39,1%	38,6%
Return on assets (roa)	3,7%	3,8%
Return on equity (roe)	15,3%	12,7%

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 30051904 / 8	07.10.2026	Entry – Amendment entry	-	Entered into force07.10.2026
Ä 30051904 / 7	02.09.2023	Entry – Amendment entry	-	Entered into force02.09.2023
Ä 30051904 / 6	18.01.2018	Entry – Amendment entry	-	Entered into force18.01.2018
Ä 30051904 / 5	22.12.2017	Entry – Amendment entry	-	Entered into force22.12.2017
Ä 30051904 / 4	06.12.2017	Entry – Amendment entry	-	Entered into force06.12.2017

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


2-24-2777/14	Kohtu I astme menetlus	Court judgmentDefault judgment	Law of obligations	Reena Undrest	ECLI:EE:PMK:2024:2.24.2777.7511	18.04.2024	Open
2-19-11476/5	Kohtu I astme menetlus	Court judgmentDefault judgment	Law of obligations	Reena Undrest	ECLI:EE:PMK:2019:2.19.11476.18782	06.09.2019	Open
2-19-2816/3	Kohtu I astme menetlus	Court judgmentDefault judgment	Law of obligations	Reena Undrest	ECLI:EE:PMK:2019:2.19.2816.6853	15.04.2019	Open
2-17-12583/5	Kohtu I astme menetlus	Court judgmentDefault judgment	Law of obligations	Reena Undrest	ECLI:EE:PMK:2017:2.17.12583.22947	23.10.2017	Open
2-16-17702/3	Kohtu I astme menetlus	Court judgment	Law of obligations	Külli Mõlder	ECLI:EE:PMK:2016:2.16.17702.8276	20.12.2016	Open

Official announcements


Notice of auction of immovable property in enforcement proceedings	09.04.2026	PDF
Notice of auction of immovable property in enforcement proceedings	19.01.2026	PDF
Notice of auction of immovable property in enforcement proceedings	24.10.2025	PDF
Notice of auction of immovable property in enforcement proceedings	01.07.2025	PDF
Notice of auction of immovable property in enforcement proceedings	25.04.2025	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.