OÜ Altero

Legal formLegal form:: Private limited company
Registry codeRegistry code:: 14188970
VAT no.VAT no.:: EE101961048
Fiscal-year periodFiscal-year period:: 01.01 - 31.12
EstablishedEstablished:: 20.01.2017 (9 y)
Former business namesFormer business names:: LoanFiner OÜ
CapitalCapital:: 2 500 EUR
AddressAddress:: Toompuiestee 35, Põhja-Tallinna linnaosa, Tallinn, Harju maakond, 10149
StatusStatus:: Registered

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Contacts

PhonePhone:: +372 6363933
EmailEmail:: info@altero.ee

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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
Other financial service activities n.e.c., except insurance and pension funding
64991 – Other financial service activities n.e.c., except insurance and pension funding

VAT liability

VAT no.	Start	End
EE101961048	05.04.2017	-

Annual reports

Aggregate data

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	02.02.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	31.01.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	01.02.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	21.09.2023	Valid	PDF
2022	01.01.2022 – 31.12.2022	30.06.2023	Expired	PDF
2021	01.01.2021 – 31.12.2021	29.06.2022	Valid	PDF
2020	01.01.2020 – 31.12.2020	14.09.2021	Valid	PDF
2019	01.01.2019 – 31.12.2019	03.12.2020	Valid	PDF
2018	01.01.2018 – 31.12.2018	01.07.2019	Valid	PDF
2017	20.01.2017 – 31.12.2017	30.06.2018	Valid	PDF

Unsubmitted declarations

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No unsubmitted declarations as of 29.09.2026.

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Tax debt Reports Declarations Court decisions–Official announcements–TTJA decisions–Real estate–.ee domains7 Licenses–Regulations21 Public transactions–Grants–State aid1 Public procurement–Holdings in companies–Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q2	102 132 €	29 948 €	154 155 €+19,9%	7
2026 Q1	81 649 €	26 655 €	128 578 €+10,4%	7
Total 2026:	183 781 €	56 603 €	282 733 €
2025 Q4	60 474 €	34 333 €	116 427 €+9,4%	7
2025 Q3	56 062 €	32 948 €	106 428 €−3,2%	7
2025 Q2	62 677 €	41 142 €	109 933 €+47,5%	8
2025 Q1	45 488 €	36 426 €	74 541 €−4,8%	8
Total 2025:	224 701 €	144 849 €	407 329 €
2024 Q4	92 203 €	36 111 €	78 312 €−4,9%	7
2024 Q3	52 176 €	35 858 €	82 306 €−12,4%	7
2024 Q2	110 906 €	24 372 €	93 976 €+28,4%	8
2024 Q1	35 824 €	21 484 €	73 174 €+2,2%	5
Total 2024:	291 109 €	117 825 €	327 768 €
2023 Q4	35 925 €	22 733 €	71 630 €−15,5%	7
2023 Q3	38 203 €	22 317 €	84 792 €+18,6%	7
2023 Q2	34 905 €	21 596 €	71 494 €+16,5%	5
2023 Q1	22 745 €	10 988 €	61 366 €−14,5%	4
Total 2023:	131 778 €	77 634 €	289 282 €
2022 Q4	22 356 €	8 382 €	71 759 €+199%	4
2022 Q3	9 793 €	5 277 €	24 001 €+78,7%	3
2022 Q2	5 662 €	3 124 €	13 431 €+32,7%	1
2022 Q1	4 227 €	2 313 €	10 121 €−24,0%	1
Total 2022:	42 038 €	19 096 €	119 312 €
2021 Q4	6 197,48 €	4 120,78 €	13 325,64 €−47,1%	1
2021 Q3	17 457,67 €	14 172,72 €	25 185,39 €−44,0%	1
2021 Q2	11 420,24 €	9 600,47 €	44 982,17 €+58,7%	3
2021 Q1	8 293,58 €	8 742,68 €	28 338,11 €+223%	3
Total 2021:	43 368,97 €	36 636,65 €	111 831,31 €
2020 Q4	6 588,40 €	6 932,21 €	8 777,55 €+780%	3
2020 Q3	2 803,63 €	3 007,59 €	998 €	2
2020 Q2	1 111,56 €	1 230,36 €	0 €−100%	2
2020 Q1	0 €	2 820 €	9 412 €−3,1%	3
Total 2020:	10 503,59 €	13 990,16 €	19 187,55 €
2019 Q4	0 €	2 280 €	9 715 €+556%	2
2019 Q3	0 €	1 108 €	1 480 €−69,9%	2
2019 Q2	0 €	1 108 €	4 924 €+881%	1
2019 Q1	0 €	1 108 €	502 €	1
Total 2019:	0 €	5 604 €	16 621 €
2018 Q4	0 €	1 108 €	0 €−100%	1
2018 Q3	0 €	1 278 €	6 250 €	1
2018 Q2	1 068 €	1 108 €	0 €	1
2018 Q1	1 268 €	1 108 €	0 €	1
Total 2018:	2 336 €	4 602 €	6 250 €
2017 Q4	1 068 €	1 108 €	0 €	1
2017 Q3	1 068 €	1 108 €	0 €	1
2017 Q2	1 068 €	1 108 €	0 €	1
2017 Q1	0 €	0 €	0 €	0
Total 2017:	3 204 €	3 324 €	0 €

Revenue by industry

	2023	2024	2025
Other financial service activities n.e.c., except insurance and pension funding		1 358 244 €	1 369 175 €
Provision of other financial services n.e.c., except insurance and pension funding	1 106 163 €

Tax debts

No tax debt found

No tax debt as of 29.09.2026

Representatives

	Personal ID code
Aksels Freimanis	39507XXXXXX	29.07.1995 (31)	Board member	22.11.2024	-
Eylin Kuusemäe	48709XXXXXX	01.09.1987 (39)	Board member	22.11.2024	-

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Shareholders

	Personal ID code
Luminor Bank AS	-	-	Shareholder	2 500 EUR	100,00%	Sole ownership	21.09.2021	-

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Other persons

	Personal ID code
OÜ CATOREX	10149795	31.03.1997 (29)	Founder	20.01.2017	-
OÜ Julianus Grupp	11894354	12.02.2010 (16)	Founder	20.01.2017	-

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Ultimate beneficial owners

	Personal ID code
Hans Luik	36103XXXXXX	20.03.1961 (65)	Indirect holding	19.10.2018	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q2

Turnover

Amount: 154 155 €
Monthly average: 51 385 €
Per employee: 7 341 €
Equity ratio: 2 055,40%

Labour taxes

Turnover ratio: 19,43%
Tax ratio: 29,32%
Monthly average: 9 983 €
Per employee: 1 426 €

State taxes

Monthly average: 34 044 €
Turnover ratio: 66,25%

Estimated salary

Gross salary: 2 625 €
Net salary: 2 128 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020	2019
Current assets	367 183 €+59,4%	230 377 €−45,1%	419 409 €+213%	134 062 €+336%	30 738 €+70,5%	18 029 €−30,9%	26 078 €
Non-current assets	3 565 €−39,9%	5 928 €+451%	1 076 €−18,5%	1 321 €−16,1%	1 574 €−97,8%	72 073 €−23,0%	93 642 €
Total assets	370 748 €+56,9%	236 305 €−43,8%	420 485 €+211%	135 383 €+319%	32 312 €−64,1%	90 102 €−24,7%	119 720 €
Short-term liabilities	128 837 €+61,4%	79 840 €−13,5%	92 343 €+68,2%	54 889 €+531%	8 699 €−36,0%	13 586 €+184%	4 787 €
Long-term liabilities	-	-	-	-	-	30 240 €−94,0%	505 260 €
Total liabilities	128 837 €+61,4%	79 840 €−13,5%	92 343 €+68,2%	54 889 €+531%	8 699 €−80,2%	43 826 €−91,4%	510 047 €
Share or stock capital	-	-	-	-	-	-	-
Retained earnings	-560 630 €+19,8%	-698 738 €−30,3%	-536 386 €+9,6%	-593 267 €−9,7%	-540 681 €−37,6%	-392 827 €−125%	-174 850 €
Net profit	175 446 €−23,1%	228 108 €−7,9%	247 648 €+335%	56 881 €+208%	-52 586 €+32,8%	-78 277 €+64,1%	-217 977 €
Equity	241 911 €+54,6%	156 465 €−52,3%	328 142 €+308%	80 494 €+241%	23 613 €−49,0%	46 276 €+112%	-390 327 €
Turnover	1 369 175 €+0,8%	1 358 244 €+22,8%	1 106 163 €+205%	363 137 €+94,8%	186 380 €+637%	25 301 €+3,2%	24 506 €
Profit margin	12,8%	16,8%	22,4%	15,7%	-28,2%	-309,4%	-889,5%

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	57 941 €	-50 128 €
Liquidity
Current ratio	2,4	3,5
Quick ratio	2,4	3,5
Cash ratio	1,0	1,8
Efficiency
Days sales outstanding (dso)	47,6	69,9
Asset turnover	4,3	3,0
Structure
Debt ratio	0,4	0,3
Profitability
Operating margin	15,7%	-27,4%
Net profit margin	15,7%	-28,2%
Return on assets (roa)	67,8%	-85,9%
Return on equity (roe)	70,7%	-222,7%

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 50049448 / 14	22.11.2024	Entry – Amendment entry	-	Entered into force22.11.2024
Ä 50049448 / M7	13.11.2024	Order to remedy deficiencies – Amendment entry	13.12.2024	Deficiencies remedied22.11.2024
Ä 50049448 / 13	04.10.2024	Negative entry order – deficiencies not remedied – Amendment entry	-	Entered into force04.11.2024
Ä 50049448 / M6	17.09.2024	Order to remedy deficiencies – Amendment entry	03.10.2024	Entered into force04.10.2024
Ä 50049448 / 12	22.01.2024	Entry – Amendment entry under NSPA § 595¹ (1)	-	Entered into force22.01.2024

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

No court decisions found

The company has no court decisions

Official announcements

No official announcements found

Company has no issued official announcements

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


13.03.2026	Haridus- ja NoorteametAid measure 241652	Muu › MuuGrant	272 €	241652/2600459

Public procurement contracts

No public procurement contracts found

The company has no public procurement contracts

.ee domains


luminorilaenud.ee	Active	25.08.2025	26.08.2027
mogolaen.ee	Active	25.08.2025	26.08.2027
reisilaenud.ee	Active	25.08.2025	26.08.2027
krediit24.ee	Active	25.08.2025	26.08.2027
laena24.ee	Active	25.08.2025	26.08.2027

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.