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Rävala Laenud OÜ

Legal form:

Private limited company

Registry code:

12629269

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

14.03.2014 (12)

Capital:

50 000 EUR

Address:

Rävala pst 2, Kesklinna linnaosa, Tallinn, Harju maakond, 10145

Status:

Registered

E-arvete vastuvõtmine:

e-arveldaja

Contacts

Email:

info@hypoteeklaen.ee

Phone:

+372 6661701

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	30.06.2026	Valid
2024	01.01.2024 - 31.12.2024	30.06.2025	Valid
2023	01.01.2023 - 31.12.2023	30.06.2024	Valid
2022	01.01.2022 - 31.12.2022	30.06.2023	Valid
2021	01.01.2021 - 31.12.2021	30.06.2022	Valid
2020	01.01.2020 - 31.12.2020	29.06.2021	Valid
2019	01.01.2019 - 31.12.2019	30.06.2020	Valid
2018	01.01.2018 - 31.12.2018	30.06.2019	Valid
2017	01.01.2017 - 31.12.2017	30.06.2018	Valid
2016	01.01.2016 - 31.12.2016	30.06.2017	Valid
2015	01.01.2015 - 31.12.2015	30.06.2016	Valid
2014	14.03.2014 - 31.12.2014	03.06.2015	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 21.07.2026.

???

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 Q2	265 800 €	20 816 €	5
2026 Q1	28 320 €	30 423 €	5
Kokku 2026:	294 120 €	51 239 €
2025 Q4	19 136 €	20 284 €	5
2025 Q3	18 943 €	20 362 €	5
2025 Q2	262 375 €	19 956 €	5
2025 Q1	23 521 €	25 014 €	5
Kokku 2025:	323 975 €	85 616 €
2024 Q4	15 674 €	16 512 €	5
2024 Q3	17 722 €	18 092 €	4
2024 Q2	90 776 €	14 083 €	4
2024 Q1	16 853 €	17 391 €	4
Kokku 2024:	141 025 €	66 078 €
2023 Q4	16 672 €	17 064 €	4
2023 Q3	18 836 €	19 412 €	4
2023 Q2	89 925 €	13 828 €	4
2023 Q1	16 957 €	17 571 €	4
Kokku 2023:	142 390 €	67 875 €
2022 Q4	12 531 €	13 397 €	4
2022 Q3	11 389 €	11 850 €	4
2022 Q2	103 197 €	11 871 €	3
2022 Q1	13 973 €	14 738 €	3
Kokku 2022:	141 089 €	51 856 €
2021 Q4	7 667 €	8 262 €	3
2021 Q3	9 611 €	10 101 €	3
2021 Q2	9 360 €	9 831 €	3
2021 Q1	12 369 €	13 398 €	3
Kokku 2021:	39 008 €	41 593 €
2020 Q4	7 533 €	8 146 €	3
2020 Q3	7 435 €	8 085 €	3
2020 Q2	8 519 €	9 002 €	3
2020 Q1	11 996 €	12 646 €	3
Kokku 2020:	35 483 €	37 879 €
2019 Q4	5 910 €	6 402 €	3
2019 Q3	6 834 €	7 398 €	2
2019 Q2	5 758 €	6 133 €	2
2019 Q1	7 331 €	7 878 €	2
Kokku 2019:	25 833 €	27 811 €
2018 Q4	5 554 €	6 034 €	2
2018 Q3	5 336 €	5 793 €	2
2018 Q2	3 699 €	4 020 €	2
2018 Q1	3 742 €	3 989 €	2
Kokku 2018:	18 331 €	19 836 €
2017 Q4	2 480 €	2 698 €	1
2017 Q3	2 639 €	2 797 €	1
2017 Q2	2 326 €	2 531 €	1
2017 Q1	3 559 €	3 804 €	1
Kokku 2017:	11 004 €	11 830 €
2016 Q4	2 433 €	2 646 €	1
2016 Q3	2 624 €	2 789 €	1
2016 Q2	2 224 €	2 420 €	1
2016 Q1	2 882 €	3 108 €	1
Kokku 2016:	10 163 €	10 963 €
2015 Q4	2 081 €	2 264 €	1
2015 Q3	2 103 €	2 288 €	1
2015 Q2	1 999 €	2 175 €	1
2015 Q1	2 279 €	2 490 €	1
Kokku 2015:	8 462 €	9 217 €

Revenue by industry

	2024	2025
Other lending, excl. pawnshops	138 554 €	131 975 €

Tax debts

No tax debt found

No tax debt as of 21.07.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Toomas Paju	37103XXXXXX	09.03.1971 (55)	Board member	14.03.2014	-

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

1 - 1 / 1 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
Hüpoteeklaen AS	-	02.06.2009 (17)	Shareholder	50 000,00 EUR	100	Sole ownership	16.08.2023	-

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

1 - 1 / 1 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Boris Shesterikov	37211XXXXXX	16.11.1972 (53)	Founder	11.03.2014	-
Marina Lipavski	47501XXXXXX	18.01.1975 (51)	Founder	11.03.2014	-
Toomas Paju	37103XXXXXX	09.03.1971 (55)	Founder	11.03.2014	-
Tauk Company OÜ	-	-	Founder	11.03.2014	-

1 - 4 / 4 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Boris Shesterikov	37211XXXXXX	16.11.1972 (53)	Indirect holding	12.09.2018	-
Marina Lipavski	47501XXXXXX	18.01.1975 (51)	Indirect holding	12.09.2018	-
Toomas Paju	37103XXXXXX	09.03.1971 (55)	Indirect holding	12.09.2018	-

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

1 - 3 / 3 rows

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

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

7,83%

Monthly average

6 939 €

Per employee

1 388 €

State taxes

Monthly average

88 600 €

Turnover ratio

0,00%

Estimated salary

Gross salary

2 578 €

Net salary

2 062 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	11 729 209 €54.6%	7 588 253 €3.9%	7 304 601 €4.9%	6 966 082 €40.6%	4 955 488 €21.7%	4 072 467 €49.7%	2 721 154 €
Non-current assets	30 774 016 €73.0%	17 784 212 €4.0%	18 527 184 €65.9%	11 170 654 €13.3%	9 860 928 €25.5%	7 854 290 €34.4%	5 842 323 €
Total assets	42 503 224 €67.5%	25 372 466 €1.8%	25 831 784 €42.4%	18 136 736 €22.4%	14 816 416 €24.2%	11 926 757 €39.3%	8 563 477 €
Short-term liabilities	1 255 143 €141.7%	519 287 €85.0%	3 470 070 €963.4%	326 322 €238.8%	96 327 €98.8%	7 728 528 €3 435.4%	218 601 €
Long-term liabilities	34 338 720 €84.4%	18 620 354 €6.6%	17 462 048 €24.3%	14 052 941 €20.9%	11 626 958 €474.5%	2 023 903 €70.3%	6 822 126 €
Total liabilities	35 593 863 €86.0%	19 139 641 €8.6%	20 932 118 €45.6%	14 379 263 €22.7%	11 723 285 €20.2%	9 752 431 €38.5%	7 040 727 €
Share or stock capital	50 000 €	50 000 €	50 000 €	50 000 €	50 000 €	50 000 €	50 000 €
Retained earnings	5 318 064 €19.4%	4 455 316 €32.7%	3 357 404 €25.5%	2 674 519 €25.9%	2 124 326 €44.2%	1 472 750 €63.5%	900 811 €
Net profit	1 541 297 €10.8%	1 727 509 €15.8%	1 492 263 €44.5%	1 032 954 €12.4%	918 805 €41.0%	651 576 €13.9%	571 939 €
Equity	6 909 361 €10.9%	6 232 825 €27.2%	4 899 667 €30.4%	3 757 473 €21.5%	3 093 131 €42.3%	2 174 326 €42.8%	1 522 750 €
Turnover	-	-	-	-	-	-	-
Profit margin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financial ratios

	2025	2024	2023	2022	2021
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	R.J	YP.M	T.Y	21.3	51.4
Quick ratio	W.H	GD.G	P.O	21.3	51.4
Cash ratio	D.W	L.J	J.J	0.9	3.2
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	Y.V	Q.O	X.R	0.8	0.8
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	G.O%	S.M%	J.B%	0.0%	0.0%
Return on equity (roe)	Q.V%	G.Z%	K.G%	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	Status
Ä 10193770 / 8	02.07.2021	Entry - Amendment entry	Entered into force (02.07.2021)
Ä 10193770 / 7	05.06.2018	Entry - Amendment entry under CRA § 525 (2)	Entered into force (05.06.2018)
Ä 10193770 / 6	19.01.2018	Entry - Amendment entry	Entered into force (19.01.2018)
Ä 10193770 / 5	07.12.2017	Entry - Amendment entry	Entered into force (07.12.2017)
Ä 10193770 / 4	23.09.2016	Entry - Amendment entry	Entered into force (23.09.2016)

1 - 5 / 11 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
2-22-16129/92						23.03.2026
2-22-16589/42						12.02.2026
2-24-135401/13	Civil case	Court ruling	Law of obligations	Maris Juha	ECLI:EE:HMK:2025:2.24.135401.20603	26.11.2025
2-22-19394/87	Civil case	Court ruling		Andra Pärsimägi, Anneli Alekand, Triin Uusen-Nacke	ECLI:EE:TRRK:2025:2.22.19394.15445	17.01.2025
2-22-19394/73	Civil case	Court ruling		Margit Jäätma, Andra Pärsimägi, Triin Uusen-Nacke	ECLI:EE:TRRK:2024:2.22.19394.17423	10.10.2024

1 - 5 / 14 rows

Official announcements

Subject	Date
Notice of auction of immovable property in enforcement proceedings	06.05.2026
Notice of auction of immovable property in enforcement proceedings	23.03.2026
Notice of auction of immovable property in enforcement proceedings	18.03.2026
Notice of auction of immovable property in enforcement proceedings	04.03.2026
Notice of auction of immovable property in enforcement proceedings	29.01.2026

Rävala Laenud OÜ

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

Shareholders

Other persons

Ultimate beneficial owners

Holdings in companies

No holdings in companies found

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

Court decisions

Court decisions

Official announcements

Official announcements

Public transactions

No public transactions found

.ee domains

No domains found

Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found