Fusion Varahalduse AS

Legal form:: Public limited company
Registry code:: 12623870
VAT no.:: EE101783501
Fiscal-year period:: 01.06 - 31.05
Established:: 06.03.2014 (12 y)
Former business names:: United Finance AS
Capital:: 234 931 EUR
Address:: Suur-Karja tn 2-6, Kesklinna linnaosa, Tallinn, Harju maakond, 10140
Status:: Registered
LEI code:: 529900BLZWRG7J5M1H96 (expired 04.10.2019)
E-invoice reception:: e-arveldaja

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Contacts

Phone:: +372 6799550
Email:: info@ufinance.com

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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
64991 – Provision of other financial services n.e.c., except insurance and pension funding

Industry TOP16 companies in the activity

1.Wise Payments Limited Eesti filiaal166.8M €
2.SUNDAY MARKETPLACE OÜ20.7M €
3.Creditstar International OÜ5.5M €
4.Osaühing Bonner Holding213k €
5.EURO GROUP FINANCE OÜ100.3k €
6.OÜ Paadu Vara71.9k €
7.SK Portfolio OÜ59.6k €
8.FinanceFlow UÜ47k €
9.Botlobete Tsetselore OÜ31.6k €
10.UniTartu Ventures OÜ30k €

Main activity 64991 · turnover over the last 4 quarters

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VAT liability

VAT no.	Start	End
EE101783501	22.09.2015	-
EE101783501	06.04.2015	31.08.2015

Annual reports

Aggregate data

Year	Period	Submitted	Status
2025	01.06.2025 – 31.05.2026	30.11.2026	Not submitted
2024	01.06.2024 – 31.05.2025	30.11.2025	Not submitted
2023	01.06.2023 – 31.05.2024	30.11.2024	Not submitted
2022	01.06.2022 – 31.05.2023	30.11.2023	Not submitted
2021	01.06.2021 – 31.05.2022	30.11.2022	Not submitted
2020	01.06.2020 – 31.05.2021	21.09.2022	Valid	PDF
2019	01.01.2019 – 31.05.2020	09.03.2022	Valid	PDF
2018	01.01.2018 – 31.12.2018	06.09.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	18.07.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	05.05.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	15.01.2016	Valid	PDF
2014	06.03.2014 – 31.12.2014	19.03.2015	Valid	PDF

Unsubmitted declarations

VAT return

20.10.2026

22 d overdue

VAT return

21.09.2026

51 d overdue

VAT return

21.08.2026

82 d overdue

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Tax debt621.08€Reports4 Declarations19 Court decisions4 Official announcements2 TTJA decisions–Real estate–.ee domains–Licenses–Regulations54 Public transactions–Grants–State aid–Public procurement–Holdings in companies–Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2025 Q1	-	-	0 €	-
Total 2025:	0 €	0 €	0 €
2024 Q4	-	-	0 €	-
2024 Q3	-	-	0 €	-
2024 Q2	50 €	0 €	0 €−100%	-
2024 Q1	185 €	0 €	644 €−66,7%	-
Total 2024:	235 €	0 €	644 €
2023 Q4	223 €	0 €	1 932 €	-
2023 Q3	277 €	0 €	1 932 €+200%	-
2023 Q2	94 €	0 €	644 €	-
2023 Q1	-	-	0 €−100%	-
Total 2023:	594 €	0 €	4 508 €
2022 Q4	1 298 €	0 €	9 549 €+2,2%	-
2022 Q3	1 763 €	0 €	9 346 €+31,9%	-
2022 Q2	1 307 €	0 €	7 088 €−15,2%	-
2022 Q1	930 €	0 €	8 354 €	-
Total 2022:	5 298 €	0 €	34 337 €
2021 Q4	1 976,87 €	0 €	8 354,28 €−11,7%	-
2021 Q3	1 941,75 €	0 €	9 463,89 €−0,6%	-
2021 Q2	691,03 €	0 €	9 522,15 €−0,3%	-
2021 Q1	1 541,42 €	0 €	9 551,28 €−3,3%	6
Total 2021:	6 151,07 €	0 €	36 891,60 €
2020 Q4	1 097,34 €	0 €	9 878,05 €−36,7%	6
2020 Q3	2 005,15 €	7,22 €	15 593,11 €−87,0%	6
2020 Q2	4 224,35 €	0 €	119 875,37 €−59,5%	6
2020 Q1	5 389 €	0 €	296 221 €+878%	6
Total 2020:	12 715,84 €	7,22 €	441 567,53 €
2019 Q4	2 946 €	0 €	30 282 €−34,7%	6
2019 Q3	19 049 €	19 218 €	46 359 €+23,5%	6
2019 Q2	29 630 €	30 142 €	37 526 €−97,7%	12
2019 Q1	32 138 €	32 910 €	1,65 M €+3 415%	12
Total 2019:	83 763 €	82 270 €	1,76 M €
2018 Q4	40 826 €	38 664 €	46 956 €−2,0%	15
2018 Q3	39 602 €	41 248 €	47 911 €−86,1%	17
2018 Q2	92 059 €	94 675 €	343 809 €−37,2%	17
2018 Q1	115 953 €	100 243 €	547 675 €+17,5%	25
Total 2018:	288 440 €	274 830 €	986 351 €
2017 Q4	95 367 €	94 866 €	465 961 €+0,5%	22
2017 Q3	88 083 €	81 215 €	463 838 €+917%	21
2017 Q2	14 733 €	14 994 €	45 606 €−87,0%	15
2017 Q1	8 868 €	7 364 €	350 455 €+208%	5
Total 2017:	207 051 €	198 439 €	1,33 M €
2016 Q4	604 €	627 €	113 770 €−1,5%	1
2016 Q3	623 €	636 €	115 462 €+1,5%	1
2016 Q2	604 €	627 €	113 770 €	1
2016 Q1	0 €	0 €	0 €	1
Total 2016:	1 831 €	1 890 €	343 002 €
2015 Q4	25 €	0 €	0 €	0
2015 Q3	0 €	0 €	0 €	0
2015 Q2	0 €	0 €	0 €	0
Total 2015:	25 €	0 €	0 €

Revenue by industry

	2019	2020
Provision of other financial services n.e.c., except insurance and pension funding	41 998 €	9 005 €

Tax debts

Type	Amount	Deferred	Disputed
Penalty payment	585,27 €	0 €	0 €
Income tax in special cases	35,81 €	0 €	0 €
Total	621,08 €	0 €	0 €

Representatives

	Personal ID code
Marko Fredrik Roivainen	37808XXXXXX	26.08.1978 (48)	Board member	07.03.2018	-

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Shareholders

	Personal ID code
Ufinance Capital OÜ	14243427	19.04.2017 (9)	Shareholder	195 465 EUR	83,20%	Sole ownership	16.08.2023	-

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Other persons

	Personal ID code
Taavi Havre	38912XXXXXX	22.12.1989 (36)	Supervisory-board member	14.06.2019	-
Timo Petteri Leinonen	37403XXXXXX	30.03.1974 (52)	Supervisory-board member	14.06.2019	-
KPMG Baltics OÜ	10096082	22.11.1996 (29)	Audit firm	22.08.2017	-
United Finance Oy	-	-	Founder	04.11.2013	-

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Ultimate beneficial owners

	Personal ID code
Marko Fredrik Roivainen	37808XXXXXX	26.08.1978 (48)	Indirect holding	29.10.2019	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

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2025 Q1

Turnover

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

Labour taxes

Turnover ratio: -
Tax ratio: -
Monthly average: 0 €
Per employee: -

State taxes

Monthly average: 0 €
Turnover ratio: -

Estimated salary

Gross salary: -
Net salary: -

Aggregate data

	2020	2019
Current assets	66 977 €−16,7%	80 434 €
Non-current assets	161 148 €−27,5%	222 308 €
Total assets	228 125 €−24,6%	302 742 €
Short-term liabilities	263 640 €+0,6%	261 985 €
Long-term liabilities	-	-
Total liabilities	263 640 €+0,6%	261 985 €
Share or stock capital	234 931 €	234 931 €
Retained earnings	-2 865 908 €−67,5%	-1 711 341 €
Net profit	-76 272 €+93,4%	-1 154 567 €
Equity	-35 515 €−187%	40 757 €
Turnover	9 006 €−78,6%	41 998 €
Profit margin	-846,9%	-2 749,1%

Financial ratios

	2017	2016
Profit and cash flow
EBITDA	-776 803 €	136 564 €
Liquidity
Current ratio	1,2	1,8
Quick ratio	1,2	1,8
Cash ratio	0,1	1,5
Efficiency
Days sales outstanding (dso)	70,0	726,3
Asset turnover	0,6	0,2
Structure
Debt ratio	0,3	0,3
Profitability
Operating margin	-47,2%	-1,5%
Net profit margin	-43,9%	-7,5%
Return on assets (roa)	-25,6%	-1,3%
Return on equity (roe)	-23,5%	-1,5%

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 10191752 / M25	14.04.2026	Reporting-fine order	12.05.2026	Entered into force13.05.2026
Ä 10191752 / M24	02.03.2026	Fine-warning order – annual report not filed	12.04.2026	Entered into force13.03.2026
Ä 10191752 / M23	27.01.2026	Reporting-fine order	24.02.2026	Entered into force26.02.2026
Ä 10191752 / M22	07.12.2025	Fine-warning order – annual report not filed	19.01.2026	Entered into force20.12.2025
Ä 10191752 / M21	27.05.2024	Repeat reporting-fine order	11.06.2024	Entered into force12.06.2024

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


2-18-19652/99	Apellatsioonmenetlus	Court judgment	Law of obligations	Peeter Pällin, Imbi Sidok-Toomsalu, Ele Liiv	ECLI:EE:TLRK:2022:2.18.19652.25593	14.10.2022	Open
2-18-2984/103	Kohtu I astme menetlus	Court judgment	Property law, enforcement, law of obligations	Andrea Lega	ECLI:EE:HMK:2021:2.18.2984.9287	09.04.2021	Open
2-18-2984/73	Apellatsioonmenetlus	Court judgment	Enforcement, law of obligations	Villem Lapimaa, Vahur-Peeter Liin, Ande Tänav	ECLI:EE:TLRK:2020:2.18.2984.16373	28.05.2020	Open
2-17-3549/18	Kohtu I astme menetlus	Court judgment	Law of obligations	Reena Nieländer	ECLI:EE:HMK:2017:2.17.3549.30283	22.12.2017	Open

Official announcements


Notice of share-capital reduction	21.06.2019	PDF
Notice of conclusion of a public limited company merger agreement	13.04.2017	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.