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OÜ Altero

Legal form:

Private limited company

Registry code:

14188970

VAT no.:

EE101961048

Fiscal-year period:

01.01 - 31.12

Established:

20.01.2017 (9)

Former business names:

LoanFiner OÜ

Capital:

2 500 EUR

Address:

Toompuiestee 35, Põhja-Tallinna linnaosa, Tallinn, Harju maakond, 10149

Status:

Registered

Contacts

Email:

info@altero.ee

Phone:

+372 6363933

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

VAT liability

	Start	End
EE101961048	05.04.2017

Annual reports

Aggregate data

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

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	81 649 €	26 655 €	128 578 €10.4%	7
Kokku 2026:	81 649 €	26 655 €	128 578 €
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
Kokku 2025:	224 701 €	144 849 €	407 329 €24.3%
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
Kokku 2024:	291 109 €	117 825 €	327 768 €13.3%
2023 Q4	35 925 €	22 733 €	71 630 €15.5%	7
2023 Q3	38 203 €	22 317 €	84 792 €18.6%	6
2023 Q2	34 905 €	21 596 €	71 494 €16.5%	5
2023 Q1	22 745 €	10 988 €	61 366 €14.5%	4
Kokku 2023:	131 778 €	77 634 €	289 283 €142.5%
2022 Q4	22 356 €	8 382 €	71 759 €199.0%	4
2022 Q3	9 793 €	5 277 €	24 001 €78.7%	3
2022 Q2	5 662 €	3 124 €	13 431 €32.7%	2
2022 Q1	4 227 €	2 313 €	10 121 €24.1%	1
Kokku 2022:	42 039 €	19 096 €	119 312 €6.7%
2021 Q4	6 197 €	4 121 €	13 326 €47.1%	1
2021 Q3	17 458 €	14 173 €	25 185 €44.0%	1
2021 Q2	11 420 €	9 600 €	44 982 €58.7%	3
2021 Q1	8 294 €	8 743 €	28 338 €222.8%	3
Kokku 2021:	43 369 €	36 637 €	111 831 €482.8%
2020 Q4	6 588 €	6 932 €	8 778 €779.5%	3
2020 Q3	2 804 €	3 008 €	998 €	2
2020 Q2	1 112 €	1 230 €	0 €100.0%	2
2020 Q1	0 €	2 820 €	9 412 €3.1%	3
Kokku 2020:	10 504 €	13 990 €	19 188 €15.4%
2019 Q4	0 €	2 280 €	9 715 €556.4%	2
2019 Q3	0 €	1 108 €	1 480 €69.9%	2
2019 Q2	0 €	1 108 €	4 924 €880.9%	1
2019 Q1	0 €	1 108 €	502 €	1
Kokku 2019:	0 €	5 604 €	16 621 €165.9%
2018 Q4	0 €	1 108 €	0 €100.0%	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
Kokku 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
Kokku 2017:	3 204 €	3 324 €	0 €

Revenue by industry

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

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
Aksels Freimanis	39507XXXXXX	29.07.1995 (30)	Board member	22.11.2024	-
Eylin Kuusemäe	48709XXXXXX	01.09.1987 (38)	Board member	22.11.2024	-

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

1 - 2 / 2 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
Luminor Bank AS	-	-	Shareholder	2 500,00 EUR	100	Sole ownership	21.09.2021	-

7 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
OÜ CATOREX	-	-	Founder	20.01.2017	-
OÜ Julianus Grupp	-	-	Founder	20.01.2017	-

1 - 2 / 2 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Hans Luik	36103XXXXXX	20.03.1961 (65)	Indirect holding	19.10.2018	-

1 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

2026 Q1

Turnover

Amount

128 578 €

Monthly average

42 859 €

Per employee

6 123 €

Equity ratio

1 714,37%

Labour taxes

Turnover ratio

20,73%

Tax ratio

32,65%

Monthly average

8 885 €

Per employee

1 269 €

State taxes

Monthly average

27 216 €

Turnover ratio

63,50%

Estimated salary

Gross salary

2 379 €

Net salary

1 914 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	367 183 €59.4%	230 377 €45.1%	419 409 €212.8%	134 062 €336.1%	30 738 €70.5%	18 029 €30.9%	26 078 €
Non-current assets	3 565 €39.9%	5 928 €450.9%	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 €210.6%	135 383 €319.0%	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 €531.0%	8 699 €36.0%	13 586 €183.8%	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 €531.0%	8 699 €80.2%	43 826 €91.4%	510 047 €
Share or stock capital	2 500 €	2 500 €	2 500 €	2 500 €	2 500 €	2 500 €	2 500 €
Retained earnings	63 965 €186.3%	-74 143 €195.1%	77 994 €269.4%	21 113 €71.4%	73 699 €39.6%	122 053 €169.8%	-174 850 €
Net profit	175 446 €23.1%	228 108 €7.9%	247 648 €335.4%	56 881 €208.2%	-52 586 €32.8%	-78 277 €64.1%	-217 977 €
Equity	241 911 €54.6%	156 465 €52.3%	328 142 €307.7%	80 494 €240.9%	23 613 €49.0%	46 276 €111.9%	-390 327 €
Turnover	1 369 175 €0.8%	1 358 244 €22.8%	1 106 163 €204.6%	363 137 €94.8%	186 380 €636.7%	25 301 €3.2%	24 506 €
Profit margin	12.81%23.7%	16.79%25.0%	22.39%42.9%	15.66%155.5%	-28.21%90.9%	-309.38%65.2%	-889.48%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	ZQH YRI	CDV APK	WY ZDH	-50 128	-52 502
Liquidity
Current ratio	S.X	T.Q	N.X	3.5	1.3
Quick ratio	O.X	J.K	O.B	3.5	1.3
Cash ratio	C.T	V.M	X.G	1.8	0.6
Efficiency
Days sales outstanding (dso)	GJ.S	YJ.Q	HZ.B	69.9	887.4
Asset turnover	V.G	Q.Z	O.U	3.0	0.2
Structure
Debt ratio	K.D	M.H	E.N	0.3	0.5
Profitability
Operating margin	VU.J%	EU.B%	VF.G%	-27.4%	-308.4%
Net profit margin	AX.M%	JC.B%	NO.V%	-28.2%	-309.4%
Return on assets (roa)	BF.W%	ZM.L%	CV.W%	-85.9%	-74.6%
Return on equity (roe)	YWC.K%	JY.A%	OC.L%	-222.7%	-169.2%

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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 50049448 / 14	22.11.2024	Entry - Amendment entry		Entered into force (22.11.2024)
Ä 50049448 / M7	13.11.2024	Order to remedy deficiencies - Amendment entry	13.12.2024	Deficiencies remedied (22.11.2024)
Ä 50049448 / 13	04.10.2024	Negative entry order – deficiencies not remedied - Amendment entry		Entered into force (04.11.2024)
Ä 50049448 / M6	17.09.2024	Order to remedy deficiencies - Amendment entry	03.10.2024	Entered into force (04.10.2024)
Ä 50049448 / 12	22.01.2024	Entry - Amendment entry under NSPA § 595¹ (1)		Entered into force (22.01.2024)

1 - 5 / 21 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

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

No public transactions found

Company has no public transactions

.ee domains

Domain	Status	Registered	Expires	End
luminorilaenud.ee	Active	25.08.2025	26.08.2026	-
mogolaen.ee	Active	25.08.2025	26.08.2026	-
reisilaenud.ee	Active	25.08.2025	26.08.2026	-
krediit24.ee	Active	25.08.2025	26.08.2026	-
laena24.ee	Active	25.08.2025	26.08.2026	-

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