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AS LandCredit

Legal form:

Public limited company

Registry code:

14475149

VAT no.:

EE102091412

Fiscal-year period:

01.01 - 31.12

Established:

23.04.2018 (8)

Capital:

100 000 EUR

Address:

Tartu tn 4a, Viljandi linn, Viljandi maakond, 71004

Status:

Registered

Contacts

Email:

info@landcredit.ee

Phone:

+372 53433598

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
EE102091412	23.07.2018

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	13.03.2026	Valid
2024	01.01.2024 - 31.12.2024	07.04.2025	Valid
2023	01.01.2023 - 31.12.2023	13.05.2024	Valid
2022	01.01.2022 - 31.12.2022	06.06.2023	Valid
2021	01.01.2021 - 31.12.2021	16.05.2022	Valid
2020	01.01.2020 - 31.12.2020	30.04.2021	Valid
2019	01.01.2019 - 31.12.2019	30.06.2020	Valid
2018	23.04.2018 - 31.12.2018	30.06.2019	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 data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	16 592 €	16 898 €	295 €0.0%	2
Kokku 2026:	16 592 €	16 898 €	295 €
2025 Q4	14 627 €	15 000 €	295 €0.0%	2
2025 Q3	15 108 €	15 597 €	295 €1.7%	2
2025 Q2	15 716 €	16 201 €	290 €94.5%	2
2025 Q1	16 015 €	15 253 €	5 281 €1 779.4%	2
Kokku 2025:	61 466 €	62 051 €	6 161 €468.4%
2024 Q4	14 672 €	15 135 €	281 €0.0%	2
2024 Q3	16 192 €	16 707 €	281 €1.8%	2
2024 Q2	16 555 €	16 478 €	276 €12.2%	2
2024 Q1	25 639 €	26 559 €	246 €0.1%	2
Kokku 2024:	73 058 €	74 879 €	1 084 €14.2%
2023 Q4	13 457 €	13 896 €	246 €0.0%	2
2023 Q3	13 610 €	13 986 €	246 €3.5%	2
2023 Q2	16 371 €	16 981 €	237 €7.6%	2
2023 Q1	14 376 €	14 820 €	221 €15.2%	2
Kokku 2023:	57 813 €	59 683 €	949 €13.1%
2022 Q4	11 439 €	11 459 €	260 €17.9%	2
2022 Q3	9 966 €	10 281 €	221 €43.6%	2
2022 Q2	10 606 €	10 960 €	391 €77.4%	2
2022 Q1	13 283 €	13 758 €	221 €13.3%	2
Kokku 2022:	45 294 €	46 458 €	1 092 €35.1%
2021 Q4	8 946 €	9 167 €	254 €51.5%	2
2021 Q3	10 285 €	10 470 €	168 €56.5%	2
2021 Q2	8 910 €	9 197 €	386 €55.8%	2
2021 Q1	11 035 €	11 245 €	875 €437.4%	3
Kokku 2021:	39 176 €	40 079 €	1 684 €50.5%
2020 Q4	7 327 €	7 680 €	163 €27.8%	3
2020 Q3	8 793 €	9 141 €	226 €86.4%	3
2020 Q2	22 209 €	22 869 €	1 658 €22.4%	3
2020 Q1	30 301 €	31 658 €	1 354 €53.9%	3
Kokku 2020:	68 630 €	71 349 €	3 400 €36.6%
2019 Q4	20 882 €	21 084 €	2 935 €26.1%	5
2019 Q3	21 326 €	21 971 €	2 328 €11 540.0%	5
2019 Q2	20 910 €	21 843 €	20 €75.3%	5
2019 Q1	24 008 €	25 121 €	81 €50.0%	5
Kokku 2019:	87 126 €	90 019 €	5 364 €2 327.1%
2018 Q4	18 118 €	18 853 €	162 €174.6%	4
2018 Q3	14 516 €	14 762 €	59 €	4
2018 Q2	5 595 €	5 648 €	0 €	2
Kokku 2018:	38 229 €	39 263 €	221 €

Revenue by industry

	2024	2025
Other lending, excl. pawnshops	12 259 €	2 862 €

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
Matis Kivila	39103XXXXXX	20.03.1991 (35)	Board member	31.03.2020	-

1 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
ILDAM OÜ	-	21.10.2020 (5)	Shareholder	10 000,00 EUR	10	Sole ownership	24.04.2026	-
Aktsiaselts Vestman Energia	-	19.12.2002 (23)	Shareholder	70 000,00 EUR	70	Sole ownership	16.08.2023	-
AS LandCredit	-	23.04.2018 (8)	Shareholder	10 000,00 EUR	10	Sole ownership	16.08.2023	-
TAUR Varahalduse Osaühing	-	18.12.2002 (23)	Shareholder	10 000,00 EUR	10	Sole ownership	16.08.2023	-

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

1 - 4 / 4 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Aivar Berzin	36905XXXXXX	30.05.1969 (57)	Chairman of the supervisory board	18.09.2024	-
Taavi Raadik	37010XXXXXX	30.10.1970 (55)	Supervisory-board member	18.09.2024	-
Toomas Uripea	36706XXXXXX	28.06.1967 (58)	Supervisory-board member	18.09.2024	-
Kpmg Baltics Oü	-	-	Audit firm	03.04.2018	-
Aktsiaselts Vestman Energia	-	-	Founder	03.04.2018	-

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

1 - 5 / 5 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Aivar Berzin	36905XXXXXX	30.05.1969 (57)	More than 50 % of voting rights in the consolidated entity	03.09.2018	-

1 - 1 / 1 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
AS LandCredit	23.04.2018	Shareholder	10 000,00 EUR	10	Sole ownership	16.08.2023	-

1 - 1 / 1 rows

2026 Q1

Turnover

Amount

295 €

Monthly average

98 €

Per employee

49 €

Equity ratio

0,10%

Labour taxes

Turnover ratio

5 728,14%

Tax ratio

101,84%

Monthly average

5 633 €

Per employee

2 816 €

State taxes

Monthly average

5 531 €

Turnover ratio

5 624,41%

Estimated salary

Gross salary

4 984 €

Net salary

3 852 €

Aggregate data

	2025	2024	2023	2022	2021	2020	2019
Current assets	9 709 461 €8.9%	10 654 717 €15.0%	12 529 266 €114.0%	5 854 004 €94.5%	3 009 881 €44.2%	2 087 956 €33.2%	3 125 070 €
Non-current assets	1 208 419 €56.0%	2 744 627 €37.4%	4 383 808 €46.0%	3 001 708 €7.1%	2 802 403 €67.3%	1 675 321 €24.5%	2 219 061 €
Total assets	10 917 880 €18.5%	13 399 344 €20.8%	16 913 074 €91.0%	8 855 712 €52.4%	5 812 284 €54.4%	3 763 277 €29.6%	5 344 131 €
Short-term liabilities	5 272 538 €33.7%	7 953 405 €20.1%	9 948 495 €86.5%	5 333 646 €72.2%	3 098 239 €838.6%	330 078 €61.1%	849 233 €
Long-term liabilities	4 500 000 €	4 500 000 €19.6%	5 600 000 €124.0%	2 500 000 €27.0%	1 968 039 €33.7%	2 970 524 €28.5%	4 155 000 €
Total liabilities	9 772 538 €21.5%	12 453 405 €19.9%	15 548 495 €98.5%	7 833 646 €54.6%	5 066 278 €53.5%	3 300 602 €34.0%	5 004 233 €
Share or stock capital	100 000 €	100 000 €	100 000 €	100 000 €	100 000 €	100 000 €90.0%	1 000 000 €
Retained earnings	845 939 €43.5%	589 579 €15.4%	697 066 €7.9%	646 006 €78.1%	362 675 €57.8%	229 898 €171.2%	-322 761 €
Net profit	199 403 €22.2%	256 360 €54.8%	567 513 €105.6%	276 060 €2.6%	283 331 €113.4%	132 777 €139.4%	-337 341 €
Equity	1 145 342 €21.1%	945 939 €30.7%	1 364 579 €33.5%	1 022 066 €37.0%	746 006 €61.2%	462 675 €36.1%	339 898 €
Turnover	-	-	-	-	-	-	-
Profit margin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	-	-	-	-	-
Liquidity
Current ratio	Q.R	J.A	H.J	1.0	6.3
Quick ratio	D.D	A.T	C.S	1.0	6.3
Cash ratio	A.I	Z.Z	Y.A	0.0	0.2
Efficiency
Days sales outstanding (dso)	-	-	-	-	-
Asset turnover	-	-	-	-	-
Structure
Debt ratio	D.P	E.X	P.M	0.9	0.9
Profitability
Operating margin	-	-	-	-	-
Net profit margin	-	-	-	-	-
Return on assets (roa)	B.N%	Z.G%	E.Q%	0.0%	0.0%
Return on equity (roe)	F.P%	S.F%	S.F%	0.0%	0.0%

To view all financial ratios, you need to subscribe to extended access to the info portal!

Licences & notices

Type	Number	Field	Status	Start	End
License	FFA000249	Financial services > Operating as a financing institution	Valid	02.05.2018	-

1 - 1 / 1 rows

Regulations

Regulation no.	Date	Type	Status
Ä 50092747 / 6	11.05.2020	Entry - Amendment entry	Entered into force (11.05.2020)
Ä 50092747 / 5	31.03.2020	Entry - Amendment entry	Entered into force (31.03.2020)
Ä 50092747 / 4	01.11.2018	Entry - Amendment entry	Entered into force (01.11.2018)
Ä 50092747 / 3	01.10.2018	Entry - Amendment entry	Entered into force (01.10.2018)
Ä 50092747 / 2	03.05.2018	Entry - Amendment entry	Entered into force (03.05.2018)

1 - 5 / 6 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

Court decisions

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date	Participants
2-25-13499/9						23.12.2025
2-24-1965/21	Civil case	Court ruling (Bankruptcy ruling)	Bankruptcy law	Priit Lember	ECLI:EE:HMK:2024:2.24.1965.4419	19.03.2024

1 - 2 / 2 rows

Official announcements

Subject	Date
Notice of auction of immovable property in enforcement proceedings	27.10.2025
Notice of auction of immovable property in enforcement proceedings	14.10.2025
Notice of auction of immovable property in enforcement proceedings	13.10.2025
Notice of auction of immovable property in enforcement proceedings	10.10.2025
Notice of auction of immovable property in enforcement proceedings	10.10.2025

AS LandCredit

Contacts

Industries

VAT liability

Annual reports

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No unsubmitted declarations found

Credit rating

Hidden

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Revenue by industry

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No tax debt found

Representatives

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Ultimate beneficial owners

Holdings in companies

Holdings in companies

Aggregate data

Financial ratios

Licences & notices

Licences & notices

Regulations

Regulations

Real estate

No real estate found

Consumer Disputes Committee decisions

No consumer dispute committee decisions found

Court decisions

Court decisions

Official announcements

Official announcements

Public transactions

No public transactions found

.ee domains

No domains found

Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found