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FintechX OÜ

Legal form:

Private limited company

Registry code:

14424637

VAT no.:

EE102156496

Fiscal-year period:

01.01 - 31.12

Established:

07.02.2018 (8)

Former business names:

Kriptomat OÜ

Capital:

262 500 EUR

Address:

Osmussaare tn 8, Lasnamäe linnaosa, Tallinn, Harju maakond, 13811

Status:

Registered

Contacts

Email:

hq@kriptomat.io

Website:

https://kriptomat.io/

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
EE102156496	19.09.2023
EE102156496	13.05.2019	18.09.2023

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	18.08.2025	Valid
2023	01.01.2023 - 31.12.2023	31.07.2024	Valid
2022	01.01.2022 - 31.12.2022	04.10.2023	Valid
2021	01.01.2021 - 31.12.2021	08.09.2022	Valid
2020	01.01.2020 - 31.12.2020	09.09.2021	Valid
2019	01.01.2019 - 31.12.2019	14.07.2020	Valid
2018	07.02.2018 - 31.12.2018	28.06.2019	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

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? Strengths

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	136 825 €	43 671 €	423 930 €1.3%	6
Kokku 2026:	136 825 €	43 671 €	423 930 €
2025 Q4	141 763 €	45 475 €	429 569 €30.2%	8
2025 Q3	111 053 €	41 330 €	329 877 €13.3%	8
2025 Q2	103 165 €	28 202 €	380 682 €21.2%	7
2025 Q1	120 879 €	22 653 €	483 000 €18.5%	6
Kokku 2025:	476 860 €	137 660 €	1 623 128 €33.0%
2024 Q4	92 512 €	12 539 €	407 452 €31.5%	5
2024 Q3	67 654 €	8 694 €	309 829 €5.6%	4
2024 Q2	76 894 €	8 694 €	328 185 €87.9%	3
2024 Q1	40 868 €	8 682 €	174 656 €21.8%	3
Kokku 2024:	277 928 €	38 609 €	1 220 122 €19.6%
2023 Q4	53 974 €	14 999 €	223 458 €7.7%	3
2023 Q3	62 116 €	14 452 €	242 117 €6.9%	4
2023 Q2	66 560 €	15 448 €	259 966 €11.8%	3
2023 Q1	73 027 €	14 813 €	294 652 €37.5%	4
Kokku 2023:	255 677 €	59 711 €	1 020 193 €62.1%
2022 Q4	108 152 €	14 677 €	471 490 €49.4%	3
2022 Q3	200 153 €	14 599 €	932 135 €27.6%	3
2022 Q2	158 385 €	12 166 €	730 747 €31.5%	3
2022 Q1	132 141 €	22 057 €	555 526 €10.8%	3
Kokku 2022:	598 832 €	63 498 €	2 689 898 €45.5%
2021 Q4	120 380 €	21 522 €	501 421 €11.0%	5
2021 Q3	132 489 €	21 407 €	563 493 €11.6%	5
2021 Q2	119 858 €	20 508 €	504 867 €81.0%	5
2021 Q1	34 678 €	8 034 €	278 904 €19.5%	5
Kokku 2021:	407 405 €	71 471 €	1 848 685 €112.5%
2020 Q4	73 082 €	4 103 €	346 428 €96.8%	1
2020 Q3	38 558 €	3 638 €	176 012 €10.3%	1
2020 Q2	39 338 €	52 €	196 265 €29.9%	1
2020 Q1	30 222 €	0 €	151 064 €151.1%	0
Kokku 2020:	181 201 €	7 793 €	869 770 €883.9%
2019 Q4	12 034 €	0 €	60 168 €113.1%	0
2019 Q3	5 647 €	0 €	28 235 €	0
2019 Q2	0 €	0 €	0 €	0
2019 Q1	0 €	0 €	0 €	0
Kokku 2019:	17 681 €	0 €	88 403 €
2018 Q4	0 €	0 €	0 €	0
2018 Q3	0 €	0 €	0 €	0
2018 Q2	0 €	0 €	0 €	0
2018 Q1	0 €	0 €	0 €	0
Kokku 2018:	0 €	0 €	0 €

Revenue by industry

	2022	2023	2024
Provision of other financial services n.e.c., except insurance and pension funding	3 005 255 €	2 163 396 €	4 159 704 €

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
Dejan Davidović	37912XXXXXX	04.12.1979 (46)	Board member	13.03.2025	-

10 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
HundredX OÜ	-	26.01.2021 (5)	Shareholder	262 500,00 EUR	100	Sole ownership	02.06.2022	-

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
KRM Holding Plus OÜ	-	-	Founder	07.02.2018	-

5 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
Srđan Mahmutović	37910XXXXXX	23.10.1979 (46)	Indirect holding	04.10.2023	-

1 - 1 / 1 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q1

Turnover

Amount

423 930 €

Monthly average

141 310 €

Per employee

23 552 €

Equity ratio

53,83%

Labour taxes

Turnover ratio

10,30%

Tax ratio

31,92%

Monthly average

14 557 €

Per employee

2 080 €

State taxes

Monthly average

45 608 €

Turnover ratio

32,28%

Estimated salary

Gross salary

3 743 €

Net salary

2 929 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	65 003 952 €97.6%	32 890 544 €96.2%	16 766 555 €113.4%	7 857 084 €281.8%	2 058 006 €61.9%	1 271 063 €
Non-current assets	237 628 €20.5%	298 836 €16.9%	359 561 €19.7%	447 847 €22.0%	574 246 €22 419.5%	2 550 €
Total assets	65 241 584 €96.6%	33 189 380 €93.8%	17 126 116 €106.2%	8 304 931 €215.5%	2 632 252 €106.7%	1 273 613 €
Short-term liabilities	60 525 768 €93.5%	31 284 402 €109.7%	14 921 131 €339.4%	3 395 656 €124.3%	1 514 146 €22.5%	1 235 704 €
Long-term liabilities	-	1 155 €	1 155 €47.6%	2 205 €	2 205 €	-
Total liabilities	60 525 768 €93.5%	31 285 557 €109.7%	14 922 286 €339.2%	3 397 861 €124.1%	1 516 351 €22.7%	1 235 704 €
Share or stock capital	262 500 €	262 500 €	262 500 €2 000.0%	12 500 €	12 500 €400.0%	2 500 €
Retained earnings	1 641 323 €15.5%	1 941 330 €60.3%	4 894 570 €343.6%	1 103 401 €384.3%	227 812 €24 797.5%	915 €
Net profit	2 811 991 €1 037.3%	-300 007 €89.8%	-2 953 240 €177.9%	3 791 169 €333.0%	875 589 €2 438.4%	34 494 €
Equity	4 715 814 €147.7%	1 903 823 €13.6%	2 203 830 €55.1%	4 907 070 €339.7%	1 115 901 €2 843.6%	37 909 €
Turnover	4 159 704 €92.3%	2 163 396 €28.0%	3 005 255 €59.0%	7 328 753 €248.7%	2 101 950 €553.5%	321 665 €
Profit margin	67.60%587.5%	-13.87%85.9%	-98.27%290.0%	51.73%24.2%	41.66%288.5%	10.72%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	B XTM QNS	-LLM UPB	-P OWK IUS	3 842 248	890 693
Liquidity
Current ratio	C.F	W.P	F.P	2.3	1.4
Quick ratio	K.B	V.W	Z.C	1.6	1.4
Cash ratio	Z.Y	C.A	R.J	1.6	1.3
Efficiency
Days sales outstanding (dso)	UU.D	QK.L	PX.K	22.8	49.4
Asset turnover	M.D	C.P	B.S	1.3	1.1
Structure
Debt ratio	R.Z	L.Z	L.L	0.4	0.6
Profitability
Operating margin	CC.N%	-BK.T%	-OG.N%	51.7%	41.7%
Net profit margin	PW.H%	-SW.Z%	-WE.G%	51.7%	41.7%
Return on assets (roa)	G.O%	-G.G%	-NL.H%	69.3%	44.8%
Return on equity (roe)	ZD.T%	-TW.W%	-UCM.R%	77.3%	78.5%

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Licences & notices

Type	Number	Field	Status	Start	End
License	FVT000310	Financial services > Virtual-currency service	Valid	11.11.2020	-

1 - 1 / 1 rows

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 50087258 / 21	05.05.2026	Entry - Amendment entry		Entered into force (05.05.2026)
Ä 50087258 / 20	25.08.2025	Entry - Amendment entry		Entered into force (25.08.2025)
Ä 50087258 / 19	12.08.2025	Entry - Amendment entry under NSPA § 595¹ (1)		Entered into force (12.08.2025)
Ä 50087258 / 18	13.03.2025	Entry - Amendment entry		Entered into force (13.03.2025)
Ä 50087258 / M4	13.07.2024	Warning for deletion from register – annual report not filed	16.10.2024	Deficiencies remedied (01.08.2024)

1 - 5 / 25 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

Date	Party	Amount	Classification
29.01.2026	Ettevõtluse ja Innovatsiooni Sihtasutus	297.60 € Received	OPERATING EXPENSES General economic and trade policy

1 - 1 / 1 rows

.ee domains

Domain	Status	Registered	Expires	End
kriptomat.ee	Active	12.06.2020	13.06.2026	-

1 - 1 / 1 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