General information

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VAT liability

8 - 1

Annual reports

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Unsubmitted declarations

???

Credit rating

Tax data

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Tax debts

Related persons

Holdings in companies

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Summary of reports

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OPA Credit OÜ

Legal form:

Private limited company

Registry code:

14161161

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

30.11.2016 (9)

Former business names:

Promonord OÜ, Promonord UÜ

Capital:

100 000 EUR

Address:

Masina tn 20, Kesklinna linnaosa, Tallinn, Harju maakond, 10113

Status:

Registered

Contacts

Email:

info@opa.credit

Phone:

+372 6066333

Website:

opa.credit

Website:

opa.ee

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	Due date 30.06.2026
2024	01.01.2024 - 31.12.2024	Not submitted (deadline 30.06.2025)
2023	01.01.2023 - 31.12.2023	30.06.2024	Valid
2022	01.01.2022 - 31.12.2022	05.09.2023	Valid
2021	01.01.2021 - 31.12.2021	21.10.2022	Valid
2020	01.01.2020 - 31.12.2020	30.08.2021	Valid
2019	01.01.2019 - 31.12.2019	27.10.2020	Valid
2018	01.01.2018 - 31.12.2018	29.10.2020	Valid
2018	01.01.2018 - 31.12.2018	09.07.2019	Expired
2017	30.11.2016 - 31.12.2017	01.11.2018	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 debt

Unsubmitted reports

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Unsubmitted declarations

Court decisions

Official announcements

TTJA decisions

Real estate

.ee domains

Licenses

Regulations

Public transactions

Holdings in companies

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Enforcement proceedings

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Payment orders

Tax data

	State taxes	Labour taxes	Employees
2024 Q4	16 €	0 €	-
Kokku 2024:	16 €	0 €
2023 Q3	13 €	0 €	-
2023 Q1	1 €	0 €	-
Kokku 2023:	14 €	0 €
2022 Q1	12 890 €	187 €	-
Kokku 2022:	12 890 €	187 €
2021 Q2	510 €	561 €	-
2021 Q1	3 545 €	1 684 €	-
Kokku 2021:	4 055 €	2 246 €
2020 Q4	510 €	561 €	1
2020 Q2	67 €	0 €	-
Kokku 2020:	577 €	561 €

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
Ain Seppik	35203XXXXXX	12.03.1952 (74)	Board member	29.05.2018	-

3 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
Ain Seppik	35203XXXXXX	12.03.1952 (74)	Shareholder	100 000,00 EUR	100	Sole ownership	01.09.2023	-

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

1 - 1 / 1 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Ain Seppik	35203XXXXXX	12.03.1952 (74)	Direct holding	27.09.2018	-

1 - 1 / 1 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2024 Q4

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

5 €

Turnover ratio

0,00%

Estimated salary

Gross salary

0 €

Net salary

0 €

Aggregate data

	2023	2022	2021	2020	2019
Current assets	1 303 623 €8.4%	1 422 882 €43.3%	2 507 434 €15.0%	2 951 429 €30.5%	2 262 046 €
Non-current assets	2 651 066 €20.8%	2 195 200 €50.3%	4 415 911 €11.0%	3 977 993 €23.9%	5 224 682 €
Total assets	3 954 689 €9.3%	3 618 082 €47.7%	6 923 345 €0.1%	6 929 422 €7.4%	7 486 728 €
Short-term liabilities	4 023 393 €17 204.9%	23 250 €72.8%	85 612 €51.0%	174 665 €238.8%	51 557 €
Long-term liabilities	-	4 000 000 €39.1%	6 569 620 €0.3%	6 587 620 €9.2%	7 257 594 €
Total liabilities	4 023 393 €	4 023 250 €39.5%	6 655 232 €1.6%	6 762 285 €7.5%	7 309 151 €
Share or stock capital	100 000 €	100 000 €	100 000 €	100 000 €	100 000 €
Retained earnings	-505 168 €400.5%	168 113 €1 179.7%	13 137 €104.5%	-288 946 €4 426.1%	-6 384 €
Net profit	336 464 €150.0%	-673 281 €534.4%	154 976 €56.5%	356 083 €324.1%	83 961 €
Equity	-68 704 €83.0%	-405 168 €251.1%	268 113 €60.4%	167 137 €5.9%	177 577 €
Turnover	-	-	-	-	-
Profit margin	0.00%	0.00%	0.00%	0.00%	0.00%

Financial ratios

	2023	2022	2021	2020	2019
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	O.T	SZ.B	DG.F	16.9	43.9
Quick ratio	W.Q	MM.S	XA.M	16.9	43.9
Cash ratio	O.N	HE.F	SD.W	6.7	10.2
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	K.Q	O.M	M.M	1.0	1.0
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	M.T%	A.M%	S.R%	0.0%	0.0%
Return on equity (roe)	-	-	Y.H%	0.0%	0.0%

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Licences & notices

Type	Number	Field	Status	Start	End
License	FFA000209	Financial services > Operating as a financing institution	Valid	03.07.2017	-

1 - 1 / 1 rows

Regulations

Regulation no.	Date	Type	Status
Ä 50042395 / 10	01.09.2023	Entry - Amendment entry	Entered into force (01.09.2023)
Ä 50042395 / 9	18.11.2020	Entry - Division entry of transferring entity (second, constitutive entry)	Entered into force (18.11.2020)
Ä 50042395 / 8	06.10.2020	Entry - Amendment entry	Entered into force (06.10.2020)
Ä 50042395 / 7	29.05.2018	Entry - Amendment entry	Entered into force (29.05.2018)
Ä 50042395 / 6	20.01.2018	Entry - Amendment entry	Entered into force (20.01.2018)

1 - 5 / 10 rows

Real estate

Address	Area	Purpose
Kase, Kotka küla, Kuusalu vald, Harju maakond	14098 m²	Residential land 100%

1 - 1 / 1 rows

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
2-22-18340/40	Civil case	Court ruling (Bankruptcy ruling)	Bankruptcy law	Merike Varusk	ECLI:EE:HMK:2023:2.22.18340.25385	11.09.2023
2-22-992/54	Civil case	Court judgment	Enforcement	Tiia Bergson	ECLI:EE:HMK:2023:2.22.992.26250	15.06.2023
2-20-12054/36	Civil case	Court judgment	Enforcement	Piret Rõuk	ECLI:EE:HMK:2021:2.20.12054.26735	09.11.2021
2-19-15416/61	Civil case	Court judgment	Enforcement	Iris Kangur-Gontšarov, Margo Klaar, Meeli Kaur	ECLI:EE:TLRK:2021:2.19.15416.28375	18.10.2021
2-19-15416/44	Civil case	Court judgment	Enforcement	Piret Rõuk	ECLI:EE:HMK:2021:2.19.15416.28396	01.07.2021

1 - 5 / 5 rows

Official announcements

Subject	Date
Notice of granting or refusal of an environmental permit	08.12.2020
Notice of division of a company	01.12.2020
Notice of disclosure of the draft environmental permit	16.11.2020
Notice of initiation of proceedings for an environmental permit	14.09.2020

1 - 4 / 4 rows

Public transactions

No public transactions found

Company has no public transactions

.ee domains

Domain	Status	Registered	Expires	End
nukehive.ee	Active	22.01.2019	23.01.2027	-
opacredit.ee	Active	22.09.2017	23.09.2030	-

1 - 2 / 2 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