OÜ iRaha Payments

Legal form:: Private limited company
Registry code:: 12732518
VAT no.:: EE101746881
Fiscal-year period:: 01.01 - 31.12
Established:: 08.10.2014 (12 y)
Former business names:: AS Pocopay, Aktsiaselts Elementare, iRaha Payments AS
Capital:: 577 000 EUR
Address:: Pärnu mnt 105, Kesklinna linnaosa, Tallinn, Harju maakond, 11312
Status:: Registered

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Contacts

Email:: backoffice@iraha.capital

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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 – Other financial service activities n.e.c., except insurance and pension funding
ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES
Office administration and other business support services
Business support service activities n.e.c.
82991 – Other business support service activities n.e.c.

Industry TOP220 companies in the activity

1.VGFS Financial Services Estonia OÜ9.3M €
2.Montonio Finance OÜ5.2M €
3.Creditstar Group AS4.5M €
4.Wise Assets Europe AS4.4M €
5.Or Technologies Limited OÜ4.2M €
6.Saturn Investments OÜ2.9M €
7.Brink's Estonia OÜ2.8M €
8.Maksekeskus AS2.1M €
9.Sihtasutus Keskkonnainvesteeringute Keskus2M €
10.Lightyear Europe AS2M €

Main activity 64991 · turnover over the last 4 quarters

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VAT liability

VAT no.	Start	End
EE101746881	10.10.2014	-

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	27.05.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	26.06.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	24.05.2022	Valid	PDF
2020	01.01.2020 – 31.12.2020	14.05.2021	Valid	PDF
2019	01.01.2019 – 31.12.2019	21.10.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	30.06.2019	Valid	PDF
2017	01.01.2017 – 31.12.2017	29.06.2018	Valid	PDF
2016	01.01.2016 – 31.12.2016	22.06.2017	Valid	PDF
2015	01.01.2015 – 31.12.2015	20.06.2016	Valid	PDF

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 21.10.2026.

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Tax debt Reports Declarations Court decisions1 Official announcements3 TTJA decisions–Real estate–.ee domains–Licenses–Regulations48 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	-	-	0 €	-
2026 Q2	-	-	0 €	-
2026 Q1	-	-	0 €	-
Total 2026:	0 €	0 €	0 €
2025 Q4	-	-	0 €	-
2025 Q3	-	-	0 €	-
2025 Q2	-	-	0 €−100%	-
2025 Q1	0 €	0 €	13 367 €+750%	-
Total 2025:	0 €	0 €	13 367 €
2024 Q4	-	-	1 572 €−96,1%	-
2024 Q3	68 541 €	70 316 €	40 731 €−86,6%	-
2024 Q2	66 696 €	70 375 €	303 784 €+0,1%	2
2024 Q1	62 236 €	65 755 €	303 543 €+6,4%	7
Total 2024:	197 473 €	206 446 €	649 630 €
2023 Q4	60 741 €	64 282 €	285 287 €+6,9%	7
2023 Q3	47 959 €	51 202 €	266 802 €+47,0%	7
2023 Q2	42 421 €	45 536 €	181 519 €+188%	6
2023 Q1	49 404 €	52 852 €	63 014 €−85,5%	5
Total 2023:	200 525 €	213 872 €	796 622 €
2022 Q4	146 932 €	85 854 €	435 763 €+11,0%	5
2022 Q3	121 158 €	73 878 €	392 520 €+23,2%	9
2022 Q2	101 596 €	72 470 €	318 577 €+42,6%	9
2022 Q1	106 549 €	81 223 €	223 426 €−52,0%	10
Total 2022:	476 235 €	313 425 €	1,37 M €
2021 Q4	159 250,03 €	99 390,26 €	465 094,14 €−34,5%	11
2021 Q3	219 294,13 €	119 245,06 €	709 541,05 €+4,6%	15
2021 Q2	202 323,70 €	107 997,74 €	678 422,72 €−1,1%	15
2021 Q1	205 316,45 €	106 818,74 €	685 855,88 €+33,7%	21
Total 2021:	786 184,31 €	433 451,80 €	2,54 M €
2020 Q4	143 329,10 €	79 264,46 €	512 877,19 €+15,1%	22
2020 Q3	112 746,80 €	57 126,65 €	445 710,15 €+3,9%	14
2020 Q2	110 963,88 €	55 306,72 €	428 848,95 €+53,4%	10
2020 Q1	100 273 €	63 722 €	279 642 €+31,8%	10
Total 2020:	467 312,78 €	255 419,83 €	1,67 M €
2019 Q4	73 782 €	58 853 €	212 173 €−48,2%	10
2019 Q3	113 969 €	59 770 €	409 536 €+106%	12
2019 Q2	71 694 €	57 243 €	198 696 €−19,3%	12
2019 Q1	124 551 €	112 936 €	246 103 €−63,6%	11
Total 2019:	383 996 €	288 802 €	1,07 M €
2018 Q4	113 037 €	69 031 €	675 294 €+422%	13
2018 Q3	68 956 €	73 662 €	129 265 €−79,3%	14
2018 Q2	133 489 €	68 981 €	624 597 €+0,4%	14
2018 Q1	154 305 €	66 082 €	621 946 €+774%	14
Total 2018:	469 787 €	277 756 €	2,05 M €
2017 Q4	65 548 €	70 259 €	71 145 €−33,7%	15
2017 Q3	58 801 €	70 303 €	107 233 €−48,8%	16
2017 Q2	64 714 €	68 800 €	209 278 €−54,1%	16
2017 Q1	148 165 €	89 738 €	455 963 €+1 266%	16
Total 2017:	337 228 €	299 100 €	843 619 €
2016 Q4	193 300 €	149 352 €	33 386 €−2,9%	20
2016 Q3	142 545 €	153 833 €	34 387 €−2,3%	20
2016 Q2	145 675 €	157 451 €	35 196 €+4,6%	20
2016 Q1	234 967 €	150 505 €	33 643 €−87,6%	20
Total 2016:	716 487 €	611 141 €	136 612 €
2015 Q4	51 555 €	55 495 €	272 094 €+95,3%	24
2015 Q3	26 291 €	28 417 €	139 330 €+151%	24
2015 Q2	10 452 €	11 341 €	55 607 €+68,3%	24
2015 Q1	6 197 €	6 741 €	33 049 €	24
Total 2015:	94 495 €	101 994 €	500 080 €

Revenue by industry

	2022	2023	2024
Other financial service activities n.e.c., except insurance and pension funding			347 959 €
Other business support service activities n.e.c.	39 376 €	85 952 €	88 465 €
Provision of other financial services n.e.c., except insurance and pension funding	857 391 €	565 805 €
Other information technology and computer service activities	22 800 €

Tax debts

No tax debt found

No tax debt as of 21.10.2026

Representatives

	Personal ID code
Erik Karu	38707XXXXXX	13.07.1987 (39)	Board member	27.04.2025	-

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Shareholders

	Personal ID code
iRaha OÜ	14547245	17.08.2018 (8)	Shareholder	577 000 EUR	100,00%	Sole ownership	30.05.2025	-

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Other persons

	Personal ID code
KPMG Baltics OÜ	10096082	22.11.1996 (29)	Audit firm	08.02.2021	-
GLOCL OÜ	12718062	10.09.2014 (12)	Founder	16.09.2014	-
Osaühing Trust IN	10406393	06.03.1998 (28)	Founder	16.09.2014	-
OÜ Pankwerk	12702233	11.08.2014 (12)	Founder	16.09.2014	-

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Ultimate beneficial owners

	Personal ID code
Erik Karu	38707XXXXXX	13.07.1987 (39)	Member of higher governing body (board or supervisory board)	28.04.2025	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

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2026 Q3

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

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	807 €−99,9%	-	917 740 €−21,0%	-	1 161 232 €−5,7%	1 231 046 €	-
Non-current assets	577 000 €	577 000 €+129%	-	-	252 119 €−14,5%	294 908 €	-
Total assets	577 807 €+0,1%	577 000 €−37,1%	917 740 €−4,2%	957 477 €−32,3%	1 413 351 €−7,4%	1 525 954 €+15,6%	1 320 226 €
Short-term liabilities	2 087 €−99,1%	-	229 518 €−57,6%	-	541 590 €−39,6%	896 661 €	-
Long-term liabilities	-	-	-	-	-	25 757 €	-
Total liabilities	2 087 €−99,1%	-	229 518 €−57,6%	-	541 590 €−41,3%	922 418 €	-
Share or stock capital	-	577 000 €−42,7%	1 007 758 €+68,6%	-	597 758 €−86,5%	4 414 000 €	-
Retained earnings	-	-393 619 €−474%	-68 534 €−1 286%	-	5 779 €+100%	-3 926 036 €	-
Net profit	-1 280 €+99,3%	-194 603 €+28,0%	-270 192 €−201%	-	268 224 €+132%	115 572 €	-
Equity	575 720 €−0,2%	577 000 €−16,2%	688 222 €−21,1%	-	871 761 €+44,4%	603 536 €	-
Turnover	-	436 424 €−33,1%	651 924 €−29,1%	919 567 €−56,9%	2 132 313 €+33,3%	1 599 355 €+188%	555 097 €
Profit margin	-	-44,6%	-41,4%	-	12,6%	7,2%	-

Financial ratios

	2021	2020
Profit and cash flow
EBITDA	-	-
Liquidity
Current ratio	2,1	1,4
Quick ratio	2,1	1,4
Cash ratio	1,2	0,1
Efficiency
Days sales outstanding (dso)	141,7	262,3
Asset turnover	1,5	1,0
Structure
Debt ratio	0,4	0,6
Profitability
Operating margin	12,1%	8,4%
Net profit margin	12,6%	7,2%
Return on assets (roa)	18,3%	7,6%
Return on equity (roe)	30,8%	19,1%

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 10200863 / 35	30.05.2025	Entry – Conversion entry	-	Entered into force30.05.2025
Ä 10200863 / M13	22.05.2025	Order to remedy deficiencies – Conversion entry	06.06.2025	Deficiencies remedied30.05.2025
Ä 10200863 / 34	27.04.2025	Entry – Amendment entry	-	Entered into force27.04.2025
Ä 10200863 / M12	22.04.2025	Order to remedy deficiencies – Amendment entry	07.05.2025	Deficiencies remedied27.04.2025
Ä 10200863 / 33	20.12.2024	Entry – Entry on continuation of activity	-	Entered into force20.12.2024

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


2-22-18127/57	Kohtu I astme menetlus	Court judgment	Law of obligations	Anna Liiv	ECLI:EE:HMK:2023:2.22.18127.21907	06.11.2023	Open

Official announcements


Notice of division of a company	13.12.2024	PDF
Notice of preparation of a division plan or conclusion of a division agreement	27.09.2024	PDF
Notice of liquidation proceedings of a public limited company	20.06.2024	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.