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Holm Bank AS

Legal form:

Public limited company

Registry code:

14080830

VAT no.:

EE101970615

Fiscal-year period:

01.01 - 31.12

Established:

13.07.2016 (10)

Former business names:

AS Koduliising, Koduliising Holding AS

Capital:

50 000 EUR

Address:

Posti tn 30, Haapsalu linn, Haapsalu linn, Lääne maakond, 90504

Status:

Registered

E-arvete vastuvõtmine:

e-arveldaja

Contacts

Email:

holmbank@holmbank.ee

Phone:

+372 6755055

Website:

www.holmbank.ee

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Provision of financial services, except insurance and pension funds
Monetary intermediation
Other monetary intermediation
64191 - Credit institutions

VAT liability

	Start	End
EE101970615	11.05.2017

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	19.06.2026	Valid
2024	01.01.2024 - 31.12.2024	18.06.2025	Valid
2023	01.01.2023 - 31.12.2023	21.06.2024	Valid
2022	01.01.2022 - 31.12.2022	30.06.2023	Valid
2021	01.01.2021 - 31.12.2021	01.04.2022	Valid
2020	01.01.2020 - 31.12.2020	22.04.2021	Valid
2020	01.01.2020 - 31.12.2020	20.04.2021	Expired
2019	01.01.2019 - 31.12.2019	17.06.2020	Valid
2018	01.01.2018 - 31.12.2018	28.06.2019	Valid
2017	13.07.2016 - 31.12.2017	28.06.2018	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 22.07.2026.

???

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 debt

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1.4K

Court decisions

Official announcements

TTJA decisions

Real estate

.ee domains

Licenses

Regulations

270

Public transactions

Holdings in companies

✓

Enforcement proceedings

✓

Payment orders

Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q2	686 283 €	695 834 €	2 895 126 €12.0%	96
2026 Q1	892 763 €	833 086 €	2 584 713 €11.0%	98
Kokku 2026:	1 579 046 €	1 528 920 €	5 479 839 €
2025 Q4	918 182 €	730 011 €	2 905 412 €9.8%	95
2025 Q3	956 701 €	683 734 €	2 644 966 €25.9%	94
2025 Q2	772 671 €	652 482 €	2 100 255 €8.8%	92
2025 Q1	882 052 €	758 659 €	2 302 941 €4.6%	93
Kokku 2025:	3 529 606 €	2 824 886 €	9 953 574 €22.3%
2024 Q4	797 365 €	607 448 €	2 413 341 €27.6%	95
2024 Q3	792 779 €	605 083 €	1 890 836 €6.8%	93
2024 Q2	585 255 €	575 472 €	2 028 242 €12.1%	97
2024 Q1	864 736 €	687 212 €	1 808 747 €15.0%	96
Kokku 2024:	3 040 135 €	2 475 215 €	8 141 166 €39.5%
2023 Q4	587 946 €	564 491 €	1 573 211 €12.9%	95
2023 Q3	528 164 €	547 554 €	1 806 737 €23.6%	92
2023 Q2	487 083 €	503 656 €	1 461 448 €47.1%	95
2023 Q1	552 287 €	578 360 €	993 177 €38.0%	99
Kokku 2023:	2 155 480 €	2 194 061 €	5 834 573 €125.1%
2022 Q4	587 484 €	593 001 €	719 556 €13.2%	113
2022 Q3	493 373 €	491 554 €	635 802 €3.6%	108
2022 Q2	474 634 €	493 250 €	613 939 €1.3%	97
2022 Q1	616 794 €	504 047 €	622 121 €8.9%	97
Kokku 2022:	2 172 284 €	2 081 851 €	2 591 419 €4.4%
2021 Q4	519 915 €	455 450 €	683 028 €10.6%	103
2021 Q3	448 097 €	406 051 €	617 315 €22.7%	101
2021 Q2	428 483 €	376 487 €	798 455 €30.4%	94
2021 Q1	600 260 €	432 565 €	612 465 €4.8%	99
Kokku 2021:	1 996 754 €	1 670 553 €	2 711 263 €10.2%
2020 Q4	412 520 €	366 099 €	643 118 €0.9%	96
2020 Q3	459 126 €	368 595 €	637 066 €12.4%	93
2020 Q2	425 902 €	305 223 €	566 565 €7.6%	93
2020 Q1	379 595 €	344 015 €	612 849 €16.6%	85
Kokku 2020:	1 677 143 €	1 383 931 €	2 459 598 €16.4%
2019 Q4	361 988 €	261 319 €	735 100 €39.2%	81
2019 Q3	281 826 €	217 855 €	527 975 €15.8%	82
2019 Q2	283 354 €	259 690 €	455 991 €15.6%	74
2019 Q1	215 746 €	204 379 €	394 300 €22.9%	75
Kokku 2019:	1 142 914 €	943 243 €	2 113 366 €93.2%
2018 Q4	190 163 €	159 533 €	320 895 €17.1%	69
2018 Q3	149 157 €	132 307 €	274 014 €3.0%	71
2018 Q2	149 014 €	125 447 €	282 358 €30.2%	61
2018 Q1	156 797 €	142 255 €	216 797 €14.7%	60
Kokku 2018:	645 131 €	559 542 €	1 094 064 €206.6%
2017 Q4	110 756 €	99 219 €	189 087 €42.7%	54
2017 Q3	93 950 €	81 201 €	132 540 €276.9%	50
2017 Q2	41 169 €	41 829 €	35 165 €	43
2017 Q1	0 €	0 €	0 €	0
Kokku 2017:	245 875 €	222 249 €	356 792 €

Tax debts

No tax debt found

No tax debt as of 22.07.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Ivar Kallast	37012XXXXXX	17.12.1970 (55)	Board member	28.01.2026	-
Kaspar Kalvet	38504XXXXXX	09.04.1985 (41)	Board member	10.11.2022	-
Monika Tomberg	47503XXXXXX	15.03.1975 (51)	Board member	02.05.2022	-

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

1 - 3 / 3 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
OÜ Koduliising	-	21.09.2018 (7)	Shareholder	50 000,00 EUR	100	Sole ownership	16.08.2023	-

6 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
Jüri Laur	38504XXXXXX	25.04.1985 (41)	Supervisory-board member	01.01.2026	-
Pärt Kivaste	37604XXXXXX	09.04.1976 (50)	Supervisory-board member	21.07.2025	-
Kpmg Baltics Oü	-	-	Audit firm	21.10.2024	-
Kelly Veske	48509XXXXXX	05.09.1985 (40)	Supervisory-board member	27.05.2024	-
Reimo Hammerberg	37402XXXXXX	05.02.1974 (52)	Supervisory-board member	27.05.2024	-

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

1 - 5 / 7 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Arne Veske	35701XXXXXX	19.01.1957 (69)	Direct holding	31.08.2018	-

1 - 1 / 1 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q2

Turnover

Amount

2 895 126 €

Monthly average

965 042 €

Per employee

10 053 €

Equity ratio

1 930,08%

Labour taxes

Turnover ratio

24,03%

Tax ratio

101,39%

Monthly average

231 945 €

Per employee

2 391 €

State taxes

Monthly average

228 761 €

Turnover ratio

23,70%

Estimated salary

Gross salary

4 268 €

Net salary

3 319 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	-	-	-	-	77 888 000 €11.4%	69 920 000 €31.6%	53 121 000 €
Non-current assets	-	-	-	-	13 782 000 €71.7%	8 029 000 €177.1%	2 898 000 €
Total assets	269 239 808 €18.1%	228 017 904 €23.1%	185 188 464 €40.7%	131 581 680 €43.5%	91 670 000 €17.6%	77 949 000 €39.1%	56 019 000 €
Short-term liabilities	-	-	-	-	-	-	-
Long-term liabilities	-	-	-	-	-	-	-
Total liabilities	-	-	-	-	-	-	-
Share or stock capital	-	-	-	-	50 000 €	50 000 €	50 000 €
Retained earnings	-	-	-	-	19 897 000 €6.2%	18 734 000 €4.1%	17 988 000 €
Net profit	-	-	-	-	1 219 000 €4.8%	1 163 000 €55.9%	746 000 €
Equity	-	-	-	-	21 166 000 €6.1%	19 947 000 €6.2%	18 784 000 €
Turnover	-	-	-	-	-	-	-
Profit margin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financial ratios

	2024	2021	2020	2018	2017
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	-	-	-	2.1	8.4
Quick ratio	-	-	-	2.1	8.4
Cash ratio	-	-	-	0.0	0.0
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	W.A	O.L	Z.F	0.4	0.4
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	H.O%	H.M%	Z.P%	0.0%	0.0%
Return on equity (roe)	B.A%	J.T%	H.M%	0.0%	0.0%

To view all financial ratios, you need to subscribe to extended access to the info portal!

Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 50033374 / 35	28.01.2026	Entry - Amendment entry		Entered into force (28.01.2026)
Ä 50033374 / M14	08.01.2026	Order to remedy deficiencies - Amendment entry	23.01.2026	Deficiencies remedied (28.01.2026)
Ä 50033374 / 34	14.03.2025	Entry - Amendment entry		Entered into force (14.03.2025)
Ä 50033374 / M13	10.02.2025	Order to remedy deficiencies - Amendment entry	25.02.2025	Entered into force (26.02.2025)
Ä 50033374 / 33	03.01.2025	Entry - Amendment entry		Entered into force (03.01.2025)

1 - 5 / 49 rows

Real estate

Address	Area	Purpose
Ehitajate tee 114, Haabersti linnaosa, Tallinn, Harju maakond	4345 m²	Commercial land 100%
Ehitajate tee 114, Haabersti linnaosa, Tallinn, Harju maakond	4345 m²	Commercial land 100%
Ehitajate tee 114, Haabersti linnaosa, Tallinn, Harju maakond	4345 m²	Commercial land 100%
Maakri tn 36, Kesklinna linnaosa, Tallinn, Harju maakond	1389 m²	Commercial land 10%, Residential land 90%
Posti tn 30, Haapsalu linn, Haapsalu linn, Lääne maakond	3138 m²	Commercial land 100%

1 - 5 / 5 rows

Consumer Disputes Committee decisions

Document no.	Composition	Decision	Date
19-1/25-17068-001	Taavi Hein	In favour of the consumer	17.03.2026
19-1/24-11272-001	Alar Urm	Against the consumer	06.12.2024
17-009289-021	-	In favour of the consumer	19.01.2018

1 - 3 / 3 rows

Court decisions

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date	Participants
2-23-140183/13						10.04.2026
2-25-6668/21						09.04.2026
2-22-17725/44						01.04.2026
2-26-100973/10						31.03.2026
2-25-20429/5						30.03.2026

1 - 5 / 1403 rows

Official announcements

Subject	Date
Notice of auction of immovable property in enforcement proceedings	25.06.2026
Notice of auction of immovable property in enforcement proceedings	03.06.2026
Notice of auction of immovable property in enforcement proceedings	06.05.2026
Notice of auction of immovable property in enforcement proceedings	03.02.2026
Notice of auction of immovable property in enforcement proceedings	30.12.2025

1 - 5 / 33 rows

Public transactions

Date	Party	Amount	Classification
26.06.2026	Tallinna Strateegiakeskus	7 745.52 € Received	OPERATING EXPENSES Other general services
01.06.2026	Viljandi Kutseõppekeskus	1 781.33 € Received	OPERATING EXPENSES Vocational education
29.05.2026	Viimsi Vallavalitsus	24.54 € Received	OTHER OPERATING EXPENSES Municipal government
29.05.2026	Viimsi Vallavalitsus	2 044.57 € Received	OPERATING EXPENSES Municipal government
26.05.2026	Tallinna Strateegiakeskus	7 745.52 € Received	OPERATING EXPENSES Other general services

1 - 5 / 270 rows

.ee domains

Domain	Status	Registered	Expires	End
pankholm.ee	Active	01.04.2019	02.04.2029	-
holmpank.ee	Active	01.04.2019	02.04.2027	-
bankholm.ee	Active	11.02.2019	12.02.2030	-
holmbank.ee	Active	11.02.2019	12.02.2027	-
liisiauto.ee	Active	15.06.2017	16.06.2027	-

1 - 5 / 7 rows

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