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 y)
Capital:: 50 000 EUR
Address:: Rävala pst 2, Kesklinna linnaosa, Tallinn, Harju maakond, 10145
Status:: Registered
LEI code:: 254900EECR0QFO9B3H12
E-invoice reception:: e-arveldaja

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Contacts

Phone:: +372 6661701
Email:: info@hypoteeklaen.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	30.06.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	30.06.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	30.06.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	30.06.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	30.06.2022	Valid	PDF
2020	01.01.2020 – 31.12.2020	29.06.2021	Valid	PDF
2019	01.01.2019 – 31.12.2019	30.06.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	30.06.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	30.06.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	30.06.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	30.06.2016	Valid	PDF
2014	14.03.2014 – 31.12.2014	03.06.2015	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 decisions16 Official announcements44 TTJA decisions–Real estate–.ee domains–Licenses–Regulations11 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 Q3	30 518 €	32 669 €	-	6
2026 Q2	265 800 €	20 816 €	-	5
2026 Q1	28 320 €	30 423 €	-	5
Total 2026:	324 638 €	83 908 €	0 €
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
Total 2025:	323 975 €	85 616 €	0 €
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
Total 2024:	141 025 €	66 078 €	0 €
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
Total 2023:	142 390 €	67 875 €	0 €
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
Total 2022:	141 090 €	51 856 €	0 €
2021 Q4	7 667,23 €	8 262,26 €	-	3
2021 Q3	9 611,21 €	10 100,88 €	-	3
2021 Q2	9 360,36 €	9 831,47 €	-	3
2021 Q1	12 369,38 €	13 398,11 €	-	3
Total 2021:	39 008,18 €	41 592,72 €	0 €
2020 Q4	7 533,23 €	8 146,23 €	-	3
2020 Q3	7 435,18 €	8 085,18 €	-	3
2020 Q2	8 518,87 €	9 002,06 €	-	3
2020 Q1	11 996 €	12 646 €	0 €	3
Total 2020:	35 483,28 €	37 879,47 €	0 €
2019 Q4	5 910 €	6 402 €	0 €	3
2019 Q3	6 834 €	7 398 €	0 €	2
2019 Q2	5 758 €	6 133 €	0 €	2
2019 Q1	7 331 €	7 878 €	0 €	2
Total 2019:	25 833 €	27 811 €	0 €
2018 Q4	5 554 €	6 034 €	0 €	2
2018 Q3	5 336 €	5 793 €	0 €	2
2018 Q2	3 699 €	4 020 €	0 €	2
2018 Q1	3 742 €	3 989 €	0 €	2
Total 2018:	18 331 €	19 836 €	0 €
2017 Q4	2 480 €	2 698 €	0 €	1
2017 Q3	2 639 €	2 797 €	0 €	1
2017 Q2	2 326 €	2 531 €	0 €	1
2017 Q1	3 559 €	3 804 €	0 €	1
Total 2017:	11 004 €	11 830 €	0 €
2016 Q4	2 433 €	2 646 €	0 €	1
2016 Q3	2 624 €	2 789 €	0 €	1
2016 Q2	2 224 €	2 420 €	0 €	1
2016 Q1	2 882 €	3 108 €	0 €	1
Total 2016:	10 163 €	10 963 €	0 €
2015 Q4	2 081 €	2 264 €	0 €	1
2015 Q3	2 103 €	2 288 €	0 €	1
2015 Q2	1 999 €	2 175 €	0 €	1
2015 Q1	2 279 €	2 490 €	0 €	1
Total 2015:	8 462 €	9 217 €	0 €

Revenue by industry

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

Tax debts

No tax debt found

No tax debt as of 22.10.2026

Representatives

	Personal ID code
Toomas Paju	37103XXXXXX	09.03.1971 (55)	Board member	14.03.2014	-

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Shareholders

	Personal ID code
Hüpoteeklaen AS	11663703	02.06.2009 (17)	Shareholder	50 000 EUR	100,00%	Sole ownership	16.08.2023	-

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Other persons

	Personal ID code
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	12621115	28.02.2014 (12)	Founder	11.03.2014	-

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Ultimate beneficial owners

	Personal ID code
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	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q3

Turnover

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

Labour taxes

Turnover ratio: -
Tax ratio: 107,05%
Monthly average: 10 890 €
Per employee: 1 980 €

State taxes

Monthly average: 10 173 €
Turnover ratio: -

Estimated salary

Gross salary: 3 570 €
Net salary: 2 838 €

Aggregate data

Last 5 yrsAll

	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 €+142%	519 287 €−85,0%	3 470 070 €+963%	326 322 €+239%	96 327 €−98,8%	7 728 528 €+3 435%	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%	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	-	-	-	-	-	-	-
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	-	-	-	-	-	-	-

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	-	-
Liquidity
Current ratio	21,3	51,4
Quick ratio	21,3	51,4
Cash ratio	0,9	3,2
Efficiency
Days sales outstanding (dso)	-	-
Asset turnover	-	-
Structure
Debt ratio	0,8	0,8
Profitability
Operating margin	-	-
Net profit margin	-	-
Return on assets (roa)	-	-
Return on equity (roe)	-	-

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 10193770 / 8	02.07.2021	Entry – Amendment entry	-	Entered into force02.07.2021
Ä 10193770 / 7	05.06.2018	Entry – Amendment entry under CRA § 525 (2)	-	Entered into force05.06.2018
Ä 10193770 / 6	19.01.2018	Entry – Amendment entry	-	Entered into force19.01.2018
Ä 10193770 / 5	07.12.2017	Entry – Amendment entry	-	Entered into force07.12.2017
Ä 10193770 / 4	23.09.2016	Entry – Amendment entry	-	Entered into force23.09.2016

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


2-25-8715/70	145388009	Court ruling	308760868	Triin Uusen-Nacke, Andra Pärsimägi, Margit Jäätma	ECLI:EE:TRRK:2026:2.25.8715.9649	08.06.2026	Open
2-22-16129/92	Kohtu I astme menetlus	Court ruling	308760868, Pankrotiõigus	Ülle Raag	ECLI:EE:TMK:2026:2.22.16129.4535	23.03.2026	Open
2-22-19394/106	Kohtu I astme menetlus	Court ruling	Võlgade ümberkujundamise menetlus, 308760868	Hiie Lindmets	ECLI:EE:TMK:2026:2.22.19394.7956	16.02.2026	Open
2-22-16589/42	Kohtu I astme menetlus	Court ruling	308760868, Pankrotiõigus	Zakaria Nemsitsveridze	ECLI:EE:TMK:2026:2.22.16589.2400	12.02.2026	Open
2-24-135401/13	Kohtu I astme menetlus	Court ruling	Law of obligations	Maris Juha	ECLI:EE:HMK:2025:2.24.135401.20603	26.11.2025	Open

Official announcements


Notice of auction of immovable property in enforcement proceedings	05.10.2026	PDF
Notice of auction of immovable property in enforcement proceedings	05.10.2026	PDF
Notice of auction of immovable property in enforcement proceedings	16.09.2026	PDF
Notice of auction of immovable property in enforcement proceedings	07.08.2026	PDF
Notice of auction of immovable property in enforcement proceedings	27.07.2026	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.