General information

Contacts

Industries

Jah

VAT liability

Annual reports

✓

Unsubmitted declarations

???

Credit rating

Tax data

✓

Tax debts

Related persons

Holdings in companies

Statistics

Summary of reports

Licenses

Regulations

Real estate

TTJA decisions

160

Court decisions

Official announcements

Public transactions

.ee domains

✓

Enforcement proceedings

✓

Payment orders

ESTO AS

Legal form:

Public limited company

Registry code:

14180709

VAT no.:

EE102137143

Fiscal-year period:

01.01 - 31.12

Established:

06.01.2017 (9)

Capital:

99 800 EUR

Address:

Laeva tn 2, Kesklinna linnaosa, Tallinn, Harju maakond, 10111

Status:

Registered

Contacts

Email:

info@esto.ee

Phone:

+372 6225252

Website:

www.esto.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

	Start	End
EE102137143	21.02.2019

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	29.04.2026	Valid
2024	01.01.2024 - 31.12.2024	02.05.2025	Valid
2023	01.01.2023 - 31.12.2023	23.05.2024	Valid
2022	01.01.2022 - 31.12.2022	26.05.2023	Valid
2021	01.01.2021 - 31.12.2021	22.06.2022	Valid
2020	01.01.2020 - 31.12.2020	30.06.2021	Valid
2019	01.01.2019 - 31.12.2019	02.07.2020	Valid
2018	01.01.2018 - 31.12.2018	28.06.2019	Valid
2017	06.01.2017 - 31.12.2017	29.06.2018	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 04.06.2026.

???

Credit rating

Hidden

Credit rating is based on company financial data and payment behavior. detailed analysis available to regia+ users.

020406080100

? Risk factors

? Strengths

View summary

✓

Tax debt

✓

Unsubmitted reports

✓

Unsubmitted declarations

160

Court decisions

Official announcements

TTJA decisions

Real estate

.ee domains

Licenses

Regulations

Public transactions

Holdings in companies

✓

Enforcement proceedings

✓

Payment orders

Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	170 868 €	130 701 €	225 633 €19.7%	28
Kokku 2026:	170 868 €	130 701 €	225 633 €
2025 Q4	182 960 €	145 349 €	280 879 €1.0%	28
2025 Q3	191 421 €	143 024 €	283 782 €12.4%	27
2025 Q2	165 195 €	130 423 €	252 554 €12.3%	25
2025 Q1	147 344 €	110 245 €	224 992 €2.5%	24
Kokku 2025:	686 920 €	529 041 €	1 042 207 €8.7%
2024 Q4	148 924 €	111 473 €	230 760 €19.4%	24
2024 Q3	163 678 €	114 769 €	286 176 €28.0%	23
2024 Q2	85 503 €	110 940 €	223 488 €2.2%	26
2024 Q1	187 364 €	130 763 €	218 781 €40.3%	24
Kokku 2024:	585 469 €	467 945 €	959 205 €2.6%
2023 Q4	166 761 €	114 328 €	366 647 €29.3%	25
2023 Q3	165 081 €	113 531 €	283 476 €55.3%	27
2023 Q2	119 711 €	95 792 €	182 540 €20.3%	27
2023 Q1	109 393 €	89 436 €	151 740 €9.9%	24
Kokku 2023:	560 946 €	413 086 €	984 402 €47.6%
2022 Q4	92 226 €	71 431 €	168 497 €12.2%	22
2022 Q3	98 208 €	76 531 €	191 915 €137.6%	20
2022 Q2	98 981 €	87 408 €	80 771 €64.2%	19
2022 Q1	112 354 €	65 314 €	225 789 €222.6%	26
Kokku 2022:	401 770 €	300 685 €	666 972 €25.1%
2021 Q4	141 058 €	62 616 €	69 986 €7.2%	17
2021 Q3	200 620 €	58 685 €	75 412 €49.4%	15
2021 Q2	59 298 €	52 586 €	50 483 €92.7%	13
2021 Q1	226 732 €	68 442 €	695 023 €518.1%	14
Kokku 2021:	627 709 €	242 329 €	890 903 €192.2%
2020 Q4	111 053 €	61 003 €	112 450 €24.8%	17
2020 Q3	66 723 €	51 722 €	90 085 €3.6%	14
2020 Q2	60 031 €	44 591 €	86 991 €465.2%	11
2020 Q1	30 556 €	28 609 €	15 390 €36.8%	12
Kokku 2020:	268 363 €	185 924 €	304 916 €1 029.1%
2019 Q4	18 685 €	14 248 €	24 365 €5 490.5%	8
2019 Q3	33 017 €	15 769 €	-452 €114.6%	8
2019 Q2	0 €	9 414 €	3 093 €	5
2019 Q1	5 340 €	7 703 €	0 €	3
Kokku 2019:	57 042 €	47 134 €	27 006 €
2018 Q4	7 345 €	7 641 €	0 €	2
2018 Q3	7 071 €	7 470 €	0 €	2
2018 Q2	4 696 €	4 969 €	0 €	2
2018 Q1	0 €	0 €	0 €	2
Kokku 2018:	19 112 €	20 080 €	0 €
2017 Q4	0 €	0 €	0 €	0
2017 Q3	0 €	0 €	0 €	0
2017 Q2	0 €	0 €	0 €	0
2017 Q1	0 €	0 €	0 €	0
Kokku 2017:	0 €	0 €	0 €

Revenue by industry

	2023	2024	2025
Other lending, excl. pawnshops	21 865 318 €	27 121 312 €	30 122 292 €

Tax debts

No tax debt found

No tax debt as of 04.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Martin Ustaal	39302XXXXXX	06.02.1993 (33)	Board member	07.12.2022	-

2 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
ESTO Holdings OÜ	-	26.06.2020 (5)	Shareholder	99 800,00 EUR	100	Sole ownership	01.12.2025	-

21 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
Kristian Allikmaa	38304XXXXXX	28.04.1983 (43)	Supervisory-board member	30.10.2025	-
Vahur Rajaver	38211XXXXXX	17.11.1982 (43)	Chairman of the supervisory board	22.07.2025	-
Edward-Edgar Räim	39306XXXXXX	27.06.1993 (32)	Supervisory-board member	22.07.2025	-
Kpmg Baltics Oü	-	-	Audit firm	30.06.2020	-
Martin Ustaal	39302XXXXXX	06.02.1993 (33)	Founder	15.12.2016	-

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
Martin Ustaal	39302XXXXXX	06.02.1993 (33)	Member of higher governing body (board or supervisory board)	07.12.2022	-

1 - 1 / 1 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q1

Turnover

Amount

225 633 €

Monthly average

75 211 €

Per employee

2 686 €

Equity ratio

75,36%

Labour taxes

Turnover ratio

57,93%

Tax ratio

76,49%

Monthly average

43 567 €

Per employee

1 556 €

State taxes

Monthly average

56 956 €

Turnover ratio

75,73%

Estimated salary

Gross salary

2 862 €

Net salary

2 273 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	-	-	54 912 000 €28.5%	42 724 000 €49.9%	28 497 000 €49.0%	19 128 476 €1 299.6%	1 366 759 €
Non-current assets	-	-	8 382 000 €205.6%	2 743 000 €10.3%	3 058 000 €1.5%	3 105 441 €452.7%	561 848 €
Total assets	82 129 400 €15.5%	71 085 376 €12.3%	63 294 000 €39.2%	45 467 000 €44.1%	31 555 000 €41.9%	22 233 918 €1 052.8%	1 928 607 €
Short-term liabilities	-	-	20 292 000 €118.8%	9 276 000 €8.1%	8 578 000 €36.0%	6 308 939 €2 055.0%	292 764 €
Long-term liabilities	-	-	29 095 000 €3.4%	28 136 000 €50.7%	18 669 000 €32.4%	14 103 700 €754.4%	1 650 798 €
Total liabilities	-	-	49 387 000 €32.0%	37 412 000 €37.3%	27 247 000 €33.5%	20 412 639 €950.3%	1 943 562 €
Share or stock capital	-	-	100 000 €	100 000 €	100 000 €0.2%	100 220 €60.6%	62 420 €
Retained earnings	-	-	7 956 000 €89.1%	4 207 000 €362.8%	909 000 €449.4%	165 460 €313.8%	-77 403 €
Net profit	-	-	5 851 000 €56.1%	3 748 000 €13.6%	3 299 000 €112.1%	1 555 599 €5 555 610.7%	28 €
Equity	-	-	13 907 000 €72.7%	8 055 000 €87.0%	4 308 000 €136.5%	1 821 279 €12 278.4%	-14 955 €
Turnover	30 122 292 €11.1%	27 121 312 €24.0%	21 865 318 €36.8%	15 987 942 €596.1%	2 296 765 €59.8%	1 437 631 €	-
Profit margin	0.00%	0.00%	26.76%14.1%	23.44%83.7%	143.64%32.7%	108.21%	0.00%

Financial ratios

	2023	2022	2021	2020	2019
Profit and cash flow
EBITDA	-	-	-	-1 225 625	69 978
Liquidity
Current ratio	X.S	R.N	B.X	3.0	4.7
Quick ratio	D.G	R.M	N.C	3.0	4.7
Cash ratio	I.L	R.R	Y.F	0.3	0.2
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	U.W	D.F	L.W	0.9	1.0
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	W.C%	J.V%	W.M%	12.9%	0.0%
Return on equity (roe)	A.W%	U.V%	W.N%	85.4%	-

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 50043911 / M7	05.11.2025	Order to remedy deficiencies for correcting extra-entry data	19.11.2025	Deficiencies remedied (13.11.2025)
Ä 50043911 / 12	07.12.2022	Entry - Amendment entry		Entered into force (07.12.2022)
Ä 50043911 / M6	05.12.2022	Order to remedy deficiencies - Amendment entry	25.12.2022	Deficiencies remedied (07.12.2022)
Ä 50043911 / 11	06.08.2021	Entry - Amendment entry under CRA § 525 (2)		Entered into force (06.08.2021)
Ä 50043911 / 10	26.01.2021	Entry - Amendment entry under CRA § 525 (2)		Entered into force (26.01.2021)

1 - 5 / 19 rows

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions

Document no.	Composition	Decision	Date
19-1/23-18108-001	Alar Urm	Against the consumer	06.05.2024
20-1/23-11006-001	Alar Urm, Mariann Suik, Kristin Truus	In favour of the consumer	01.11.2023
19-1/23-12127-001	Alar Urm	In favour of the consumer	30.10.2023
19-1/23-12179-001	Alar Urm	In favour of the consumer	23.10.2023
19-1/23-13560-001	Alar Urm	In favour of the consumer	23.10.2023

1 - 5 / 5 rows

Court decisions

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date	Participants
2-22-13765/54						30.03.2026
2-22-7768/43						23.03.2026
2-22-16129/92						23.03.2026
2-25-14458/10						06.03.2026
2-22-91/54						26.02.2026

1 - 5 / 160 rows

Official announcements

Subject	Date
Notice of delivery of an order from the court’s order-for-payment department	19.11.2025
Notice of delivery of an order from the court’s order-for-payment department	09.10.2025
Notice of approval of the list of creditors	21.07.2025
Notice of termination of bankruptcy proceedings	04.04.2024
Notice of termination of bankruptcy proceedings upon approval of the final report	05.03.2024

1 - 5 / 5 rows

Public transactions

No public transactions found

Company has no public transactions

.ee domains

Domain	Status	Registered	Expires	End
estogroup.ee	Active	12.10.2021	13.10.2026	-
estoholdings.ee	Active	01.06.2021	02.06.2027	-
dekker-dev4.ee	Active	12.05.2021	13.05.2027	-
dekker-dev3.ee	Active	12.05.2021	13.05.2027	-
dekker-dev2.ee	Active	12.05.2021	13.05.2027	-

1 - 5 / 11 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