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Raha Hoiu-Laenuühistu

Legal form:

Commercial association

Registry code:

12569596

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

13.11.2013 (12)

Capital:

3 500 000 EUR

Address:

Ülikooli tn 2a, Tartu linn, Tartu linn, Tartu maakond, 51003

Status:

In liquidation

Contacts

Email:

info@rahahoius.ee

Phone:

+372 6000969

Website:

www.rahahoius.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
6492 - Other lending

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	08.08.2025	Valid
2023	01.01.2023 - 31.12.2023	31.12.2024	Valid
2022	01.01.2022 - 31.12.2022	18.08.2023	Valid
2021	01.01.2021 - 31.12.2021	21.06.2022	Valid
2020	01.01.2020 - 31.12.2020	01.07.2021	Valid
2019	01.01.2019 - 31.12.2019	21.10.2020	Valid
2018	01.01.2018 - 31.12.2018	28.06.2019	Valid
2017	01.01.2017 - 31.12.2017	22.06.2018	Valid
2016	01.01.2016 - 31.12.2016	21.06.2017	Valid
2015	01.01.2015 - 31.12.2015	27.06.2016	Valid
2014	13.11.2013 - 31.12.2014	25.06.2015	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 07.06.2026.

???

Credit rating

Hidden

Credit rating is based on company financial data and payment behavior. detailed analysis available to regia+ users.

020406080100

? Risk factors

? Strengths

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Tax data

	State taxes	Labour taxes	Employees
2026 Q1	34 587 €	35 305 €	1
Kokku 2026:	34 587 €	35 305 €
2025 Q4	30 340 €	31 071 €	1
2025 Q3	33 173 €	33 904 €	1
2025 Q2	29 332 €	30 060 €	1
2025 Q1	32 668 €	33 343 €	1
Kokku 2025:	125 513 €	128 378 €
2024 Q4	24 532 €	25 071 €	1
2024 Q3	26 250 €	26 775 €	1
2024 Q2	27 248 €	27 766 €	1
2024 Q1	29 893 €	30 411 €	1
Kokku 2024:	107 923 €	110 023 €
2023 Q4	28 390 €	28 908 €	1
2023 Q3	25 955 €	26 442 €	1
2023 Q2	31 863 €	32 350 €	1
2023 Q1	34 620 €	35 107 €	1
Kokku 2023:	120 826 €	122 807 €
2022 Q4	32 264 €	32 752 €	1
2022 Q3	35 385 €	35 845 €	1
2022 Q2	28 110 €	28 514 €	1
2022 Q1	30 853 €	31 193 €	-
Kokku 2022:	126 613 €	128 304 €
2021 Q4	24 905 €	25 173 €	-
2021 Q3	26 100 €	26 442 €	-
2021 Q2	26 310 €	26 720 €	-
2021 Q1	28 451 €	28 992 €	7
Kokku 2021:	105 766 €	107 328 €
2020 Q4	28 224 €	28 727 €	7
2020 Q3	32 654 €	33 157 €	7
2020 Q2	27 949 €	28 452 €	7
2020 Q1	29 913 €	30 381 €	7
Kokku 2020:	118 740 €	120 717 €
2019 Q4	26 958 €	27 460 €	7
2019 Q3	26 098 €	26 610 €	8
2019 Q2	24 410 €	24 862 €	8
2019 Q1	26 222 €	26 698 €	7
Kokku 2019:	103 688 €	105 630 €
2018 Q4	25 792 €	26 070 €	7
2018 Q3	24 048 €	24 388 €	7
2018 Q2	22 481 €	22 925 €	5
2018 Q1	22 711 €	23 169 €	5
Kokku 2018:	95 032 €	96 552 €
2017 Q4	22 259 €	22 739 €	5
2017 Q3	22 051 €	22 522 €	5
2017 Q2	22 684 €	23 235 €	5
2017 Q1	22 459 €	22 979 €	5
Kokku 2017:	89 453 €	91 475 €
2016 Q4	22 651 €	23 097 €	1
2016 Q3	23 282 €	23 727 €	1
2016 Q2	22 945 €	23 404 €	1
2016 Q1	20 456 €	20 820 €	1
Kokku 2016:	89 334 €	91 048 €
2015 Q4	13 883 €	14 182 €	1
2015 Q3	11 315 €	11 615 €	1
2015 Q2	10 367 €	10 658 €	1
2015 Q1	9 269 €	9 561 €	1
Kokku 2015:	44 834 €	46 016 €

Revenue by industry

	2024
Other lending	403 €

Tax debts

No tax debt found

No tax debt as of 07.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Alar East	38503XXXXXX	31.03.1985 (41)	Liquidator	28.04.2026	-
Meelis Pärna	37108XXXXXX	09.08.1971 (54)	Liquidator	28.04.2026	-
Peteri Grauen	37708XXXXXX	06.08.1977 (48)	Liquidator	28.04.2026	-

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

1 - 3 / 3 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Eduard East	36812XXXXXX	11.12.1968 (57)	Supervisory-board member	17.06.2022	-
Heino Ligi	35408XXXXXX	28.08.1954 (71)	Supervisory-board member	17.06.2022	-
Taavi Toos	38512XXXXXX	10.12.1985 (40)	Chairman of the supervisory board	20.12.2021	-

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

1 - 3 / 3 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Alar East	38503XXXXXX	31.03.1985 (41)	Member of higher governing body (board or supervisory board)	03.04.2022	-

4 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
Credit.ee OÜ	19.02.2010	Shareholder	9 090,00 EUR	18	Sole ownership	28.09.2023	-

1 - 1 / 1 rows

2026 Q1

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

102,08%

Monthly average

11 768 €

Per employee

11 768 €

State taxes

Monthly average

11 529 €

Turnover ratio

0,00%

Estimated salary

Gross salary

20 054 €

Net salary

15 064 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	187 329 €95.7%	4 306 593 €207.7%	1 399 633 €10.5%	1 564 243 €24.2%	1 259 510 €51.2%	2 579 024 €
Non-current assets	8 873 000 €86.6%	4 754 185 €44.9%	8 631 788 €3.2%	8 918 840 €2.3%	8 715 062 €16.6%	7 472 617 €
Total assets	9 060 329 €	9 060 778 €9.7%	10 031 421 €4.3%	10 483 083 €5.1%	9 974 572 €0.8%	10 051 641 €
Short-term liabilities	31 268 €98.5%	2 099 757 €35.2%	3 239 210 €3.0%	3 143 494 €15.7%	2 715 895 €19.8%	3 385 825 €
Long-term liabilities	5 236 343 €62.3%	3 227 264 €45.8%	2 213 344 €20.0%	2 767 953 €2.7%	2 695 660 €2.5%	2 630 571 €
Total liabilities	5 267 611 €1.1%	5 327 021 €2.3%	5 452 554 €7.8%	5 911 447 €9.2%	5 411 555 €10.1%	6 016 396 €
Share or stock capital	3 500 000 €	3 500 000 €	3 500 000 €	3 500 000 €21.1%	2 889 034 €	2 889 034 €
Retained earnings	237 397 €14.4%	207 548 €80.6%	1 070 077 €1.1%	1 058 946 €35.2%	1 635 031 €47.0%	1 111 961 €
Net profit	55 321 €111.1%	26 209 €198.2%	8 790 €30.7%	12 690 €67.4%	38 952 €13.7%	34 250 €
Equity	3 792 718 €1.6%	3 733 757 €18.5%	4 578 867 €0.2%	4 571 636 €0.2%	4 563 017 €13.1%	4 035 245 €
Turnover	-	-	-	-	-	-
Profit margin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	R.P	Y.L	W.Z	0.5	0.5
Quick ratio	U.H	E.U	O.B	0.5	0.5
Cash ratio	U.G	L.Y	M.J	0.3	0.1
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	L.T	P.I	A.L	0.6	0.5
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	R.T%	E.B%	B.Q%	0.0%	0.0%
Return on equity (roe)	N.T%	G.C%	C.Z%	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 20065815 / 25	28.04.2026	Entry - Dissolution entry		Entered into force (28.04.2026)
Ä 20065815 / 24	27.02.2026	Entry - Amendment entry		Entered into force (27.02.2026)
Ä 20065815 / 23	09.02.2026	Entry - Amendment entry		Entered into force (09.02.2026)
Ä 20065815 / M16	13.07.2025	Fine-warning order – annual report not filed	12.08.2025	Deficiencies remedied (09.08.2025)
Ä 20065815 / 22	04.05.2025	Entry - Amendment entry		Entered into force (04.05.2025)

Raha Hoiu-Laenuühistu

Contacts

Industries

VAT liability

No VAT obligation history found

Annual reports

Unsubmitted declarations

No unsubmitted declarations found

Credit rating

Hidden

Tax data

Revenue by industry

Tax debts

No tax debt found

Representatives

Other persons

Ultimate beneficial owners

Holdings in companies

Holdings in companies

Aggregate data

Financial ratios

Licences & notices

No licenses and notices found

Regulations

Regulations

Real estate

No real estate found

Consumer Disputes Committee decisions

No consumer dispute committee decisions found

Official announcements

No official announcements found

Public transactions

No public transactions found

.ee domains

No domains found

Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found