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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 (11)

Former business names:

Aktsiaselts Elementare, AS Pocopay, iRaha Payments AS

Capital:

577 000 EUR

Address:

Pärnu mnt 105, Kesklinna linnaosa, Tallinn, Harju maakond, 11312

Status:

Registered

Contacts

Email:

backoffice@iraha.capital

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.

VAT liability

	Start	End
EE101746881	10.10.2014

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	30.06.2025	Valid
2023	01.01.2023 - 31.12.2023	27.05.2024	Valid
2022	01.01.2022 - 31.12.2022	26.06.2023	Valid
2021	01.01.2021 - 31.12.2021	24.05.2022	Valid
2020	01.01.2020 - 31.12.2020	14.05.2021	Valid
2019	01.01.2019 - 31.12.2019	21.10.2020	Valid
2018	01.01.2018 - 31.12.2018	30.06.2019	Valid
2017	01.01.2017 - 31.12.2017	29.06.2018	Valid
2016	01.01.2016 - 31.12.2016	22.06.2017	Valid
2015	01.01.2015 - 31.12.2015	20.06.2016	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 05.06.2026.

???

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	Taxable turnover	Employees
2026 Q1	0 €	0 €	0 €	-
Kokku 2026:	0 €	0 €	0 €
2025 Q4	0 €	0 €	0 €	-
2025 Q3	0 €	0 €	0 €	-
2025 Q2	0 €	0 €	0 €100.0%	-
2025 Q1	0 €	0 €	13 367 €750.3%	-
Kokku 2025:	0 €	0 €	13 367 €97.9%
2024 Q4	0 €	0 €	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
Kokku 2024:	197 473 €	206 446 €	649 630 €18.5%
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 €188.1%	6
2023 Q1	49 404 €	52 852 €	63 014 €85.5%	5
Kokku 2023:	200 526 €	213 871 €	796 622 €41.9%
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%	10
2022 Q1	106 549 €	81 223 €	223 426 €52.0%	11
Kokku 2022:	476 235 €	313 424 €	1 370 286 €46.0%
2021 Q4	159 250 €	99 390 €	465 094 €34.5%	11
2021 Q3	219 294 €	119 245 €	709 541 €4.6%	15
2021 Q2	202 324 €	107 998 €	678 423 €1.1%	15
2021 Q1	205 316 €	106 819 €	685 856 €33.7%	21
Kokku 2021:	786 184 €	433 452 €	2 538 914 €52.3%
2020 Q4	143 329 €	79 264 €	512 877 €15.1%	22
2020 Q3	112 747 €	57 127 €	445 710 €3.9%	14
2020 Q2	110 964 €	55 307 €	428 849 €53.4%	10
2020 Q1	100 273 €	63 722 €	279 642 €31.8%	10
Kokku 2020:	467 313 €	255 420 €	1 667 078 €56.3%
2019 Q4	73 782 €	58 853 €	212 173 €48.2%	10
2019 Q3	113 969 €	59 770 €	409 536 €106.1%	12
2019 Q2	71 694 €	57 243 €	198 696 €19.3%	12
2019 Q1	124 551 €	112 936 €	246 103 €63.6%	11
Kokku 2019:	383 996 €	288 802 €	1 066 508 €48.0%
2018 Q4	113 037 €	69 031 €	675 294 €422.4%	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 €774.2%	14
Kokku 2018:	469 787 €	277 756 €	2 051 102 €143.1%
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 €1 265.7%	16
Kokku 2017:	337 228 €	299 100 €	843 619 €517.5%
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
Kokku 2016:	716 487 €	611 141 €	136 612 €72.7%
2015 Q4	51 555 €	55 495 €	272 094 €95.3%	24
2015 Q3	26 291 €	28 417 €	139 330 €150.6%	24
2015 Q2	10 452 €	11 341 €	55 607 €68.3%	24
2015 Q1	6 197 €	6 741 €	33 049 €	24
Kokku 2015:	94 495 €	101 994 €	500 080 €

Revenue by industry

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

Tax debts

No tax debt found

No tax debt as of 05.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Erik Karu	38707XXXXXX	13.07.1987 (38)	Board member	27.04.2025	-

15 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
iRaha OÜ	14547XXX	17.08.2018 (7)	Shareholder	577 000,00 EUR	100	Sole ownership	30.05.2025	-

29 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
Kpmg Baltics Oü	-	-	Audit firm	08.02.2021	-
GLOCL OÜ	-	-	Founder	16.09.2014	-
Osaühing Trust IN	-	-	Founder	16.09.2014	-
OÜ Pankwerk	-	-	Founder	16.09.2014	-

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

1 - 4 / 4 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Erik Karu	38707XXXXXX	13.07.1987 (38)	Member of higher governing body (board or supervisory board)	28.04.2025	-

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

1 - 1 / 1 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

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

2026 Q1

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

0,00%

Monthly average

0 €

Per employee

0 €

State taxes

Monthly average

0 €

Turnover ratio

0,00%

Estimated salary

Gross salary

0 €

Net salary

0 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	-	917 740 €21.0%	-	1 161 232 €5.7%	1 231 046 €	-
Non-current assets	577 000 €128.9%	-	-	252 119 €14.5%	294 908 €	-
Total assets	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	-	229 518 €57.6%	-	541 590 €39.6%	896 661 €	-
Long-term liabilities	-	-	-	-	25 757 €	-
Total liabilities	-	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	194 603 €494.4%	-49 344 €953.9%	-	5 779 €100.1%	-3 926 036 €	-
Net profit	-194 603 €28.0%	-270 192 €200.7%	-	268 224 €132.1%	115 572 €	-
Equity	577 000 €16.2%	688 222 €21.1%	-	871 761 €44.4%	603 536 €	-
Turnover	436 424 €33.1%	651 926 €29.1%	919 567 €56.9%	2 132 313 €33.3%	1 599 355 €188.1%	555 097 €
Profit margin	-44.59%7.6%	-41.45%429.5%	0.00%	12.58%74.1%	7.23%	0.00%

Financial ratios

	2024	2023	2021	2020	2018
Profit and cash flow
EBITDA	-GZP YUO	-	-	-	-
Liquidity
Current ratio	-	D.G	U.T	1.4	1.6
Quick ratio	-	T.T	P.G	1.4	1.6
Cash ratio	-	B.Z	C.L	0.1	0.2
Efficiency
Days sales outstanding (dso)	AUM.V	JHZ.M	HBI.J	262.3	240.9
Asset turnover	T.X	C.T	P.Y	1.0	1.0
Structure
Debt ratio	V.I	W.S	K.J	0.6	0.4
Profitability
Operating margin	-RQ.Z%	-VQ.J%	TH.R%	8.4%	-45.3%
Net profit margin	-GR.U%	-CY.V%	LP.T%	7.2%	-44.5%
Return on assets (roa)	-BG.P%	-JK.K%	KZ.C%	7.6%	-43.4%
Return on equity (roe)	-NS.M%	-WY.Y%	XA.R%	19.1%	-83.6%

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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 10200863 / 35	30.05.2025	Entry - Conversion entry		Entered into force (30.05.2025)
Ä 10200863 / M13	22.05.2025	Order to remedy deficiencies - Conversion entry	06.06.2025	Deficiencies remedied (30.05.2025)
Ä 10200863 / 34	27.04.2025	Entry - Amendment entry		Entered into force (27.04.2025)
Ä 10200863 / M12	22.04.2025	Order to remedy deficiencies - Amendment entry	07.05.2025	Deficiencies remedied (27.04.2025)
Ä 10200863 / 33	20.12.2024	Entry - Entry on continuation of activity		Entered into force (20.12.2024)

1 - 5 / 48 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	Participants
2-22-18127/57	Civil case	Court judgment	Law of obligations	Anna Liiv	ECLI:EE:HMK:2023:2.22.18127.21907	06.11.2023

1 - 1 / 1 rows

Official announcements

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

OÜ iRaha Payments

Contacts

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Hidden

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No tax debt found

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No real estate found

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Public transactions

No public transactions found

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No domains found

Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found