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6 - 1

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iRaha OÜ

Legal form:

Private limited company

Registry code:

14547245

VAT no.:

EE102091894

Fiscal-year period:

01.01 - 31.12

Established:

17.08.2018 (7)

Former business names:

LUMI bnk. OÜ, LUMI NORA XVI OÜ, Lumify bnk. OÜ

Capital:

115 000 EUR

Address:

Pärnu mnt 105, Kesklinna linnaosa, Tallinn, Harju maakond, 11312

Status:

Registered

Contacts

Email:

backoffice@iraha.capital

Industries

PROFESSIONAL, SCIENTIFIC AND TECHNICAL ACTIVITIES
Activities of head offices and management consultancy activities
70201 - Business and other management consultancy

VAT liability

	Start	End
EE102091894	20.08.2018

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	Not submitted (deadline 30.06.2026)
2024	01.01.2024 - 31.12.2024	04.09.2025	Valid
2023	01.01.2023 - 31.12.2023	28.06.2024	Valid
2022	01.01.2022 - 31.12.2022	24.05.2023	Valid
2021	01.01.2021 - 31.12.2021	24.03.2022	Valid
2020	01.01.2020 - 31.12.2020	14.02.2022	Valid
2019	17.08.2018 - 31.12.2019	14.04.2021	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 21.07.2026.

???

Credit rating

Hidden

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

020406080100

? Risk factors

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q2	71 998 €	74 587 €	21 809 €24.3%	14
2026 Q1	77 557 €	71 134 €	28 804 €62.0%	15
Kokku 2026:	149 555 €	145 721 €	50 613 €
2025 Q4	87 360 €	72 703 €	75 849 €42.0%	13
2025 Q3	76 813 €	79 033 €	53 433 €74.3%	12
2025 Q2	60 080 €	59 289 €	30 653 €43.8%	12
2025 Q1	77 872 €	73 464 €	54 581 €51.7%	10
Kokku 2025:	302 125 €	284 489 €	214 516 €59.2%
2024 Q4	64 432 €	48 387 €	112 952 €48.3%	9
2024 Q3	45 189 €	35 169 €	76 151 €16.9%	8
2024 Q2	51 801 €	39 774 €	91 650 €62.7%	5
2024 Q1	42 425 €	16 884 €	245 464 €1 447.4%	4
Kokku 2024:	203 847 €	140 214 €	526 217 €845.5%
2023 Q4	8 441 €	8 923 €	15 863 €22.1%	3
2023 Q3	6 409 €	6 820 €	12 993 €8.1%	3
2023 Q2	8 428 €	9 003 €	14 137 €11.7%	2
2023 Q1	82 €	51 €	12 660 €	3
Kokku 2023:	23 360 €	24 797 €	55 653 €11 030.7%
2022 Q4	0 €	0 €	0 €100.0%	-
2022 Q3	0 €	0 €	500 €	-
2022 Q2	0 €	0 €	0 €	-
2022 Q1	0 €	0 €	0 €	-
Kokku 2022:	0 €	0 €	500 €74.5%
2021 Q4	0 €	0 €	0 €	-
2021 Q3	0 €	0 €	0 €	-
2021 Q2	0 €	0 €	0 €100.0%	-
2021 Q1	0 €	0 €	1 960 €	-
Kokku 2021:	0 €	0 €	1 960 €30.7%
2020 Q4	0 €	0 €	0 €	-
2020 Q3	0 €	0 €	0 €	-
2020 Q2	0 €	0 €	0 €100.0%	-
2020 Q1	0 €	0 €	1 500 €	0
Kokku 2020:	0 €	0 €	1 500 €
2019 Q4	0 €	0 €	0 €	0
2019 Q3	0 €	0 €	0 €	0
2019 Q2	0 €	0 €	0 €	0
2019 Q1	0 €	0 €	0 €	0
Kokku 2019:	0 €	0 €	0 €
2018 Q4	0 €	0 €	0 €	0
2018 Q3	0 €	0 €	0 €	0
Kokku 2018:	0 €	0 €	0 €

Revenue by industry

	2021	2023	2024
Business and other management consultancy			2 331 389 €
Business consultancy and other management advice	1 960 €	1 111 881 €

Tax debts

No tax debt found

No tax debt as of 21.07.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Erik Karu	38707XXXXXX	13.07.1987 (39)	Board member	17.08.2018	-

3 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
Ciel Bleu Capital OÜ	-	09.06.2026 (0)	Shareholder	8 625,00 EUR	7,5	Sole ownership	15.06.2026	-
Ursa Finance OÜ	-	22.02.2021 (5)	Shareholder	106 375,00 EUR	92,5	Sole ownership	15.06.2026	-

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

1 - 2 / 2 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Advokaadibüroo Premium OÜ	-	-	Founder	18.12.2019	-

1 - 1 / 1 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Erik Karu	38707XXXXXX	13.07.1987 (39)	Indirect holding	08.06.2023	-

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

1 - 1 / 1 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
OÜ iRaha Payments	08.10.2014	Shareholder	577 000,00 EUR	100	Sole ownership	30.05.2025	-

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

1 - 1 / 1 rows

2026 Q2

Turnover

Amount

21 809 €

Monthly average

7 270 €

Per employee

519 €

Equity ratio

6,32%

Labour taxes

Turnover ratio

342,00%

Tax ratio

103,60%

Monthly average

24 862 €

Per employee

1 715 €

State taxes

Monthly average

23 999 €

Turnover ratio

330,13%

Estimated salary

Gross salary

3 129 €

Net salary

2 472 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	406 336 €57.4%	953 269 €724.5%	115 617 €4.8%	110 342 €8.7%	101 479 €6.0%	95 728 €
Non-current assets	2 059 198 €914.4%	202 988 €	-	-	-	-
Total assets	2 465 534 €113.2%	1 156 257 €900.1%	115 617 €4.8%	110 342 €8.7%	101 479 €6.0%	95 728 €
Short-term liabilities	141 753 €71.0%	488 091 €17 778.8%	2 730 €118.4%	1 250 €	-	-
Long-term liabilities	538 716 €	-	-	-	-	-
Total liabilities	680 469 €39.4%	488 091 €17 778.8%	2 730 €118.4%	1 250 €	-	-
Share or stock capital	115 000 €	115 000 €	115 000 €15.0%	100 000 €	100 000 €	100 000 €
Retained earnings	437 272 €20 794.4%	-2 113 €123.2%	9 092 €514.7%	1 479 €134.6%	-4 272 €	-
Net profit	1 232 793 €122.0%	555 279 €5 055.6%	-11 205 €247.2%	7 613 €32.4%	5 751 €234.6%	-4 272 €
Equity	1 785 065 €167.2%	668 166 €491.9%	112 887 €3.5%	109 092 €7.5%	101 479 €6.0%	95 728 €
Turnover	2 331 389 €109.7%	1 111 881 €56 628.6%	-	1 960 €	-	-
Profit margin	52.88%5.9%	49.94%87.1%	0.00%	388.42%	0.00%	0.00%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	A MQD GVY	TJC OCV	-	-	-
Liquidity
Current ratio	V.V	L.M	HL.V	88.3	-
Quick ratio	P.U	O.I	LL.H	88.3	-
Cash ratio	X.J	J.W	B.U	2.3	-
Efficiency
Days sales outstanding (dso)	ZEQ.M	JAL.B	-	19 092.5	-
Asset turnover	E.V	X.X	-	0.0	-
Structure
Debt ratio	O.F	X.A	P.R	0.0	1.0
Profitability
Operating margin	BA.N%	GQ.G%	-	-70.8%	-
Net profit margin	EQ.Z%	LT.N%	-	388.4%	-
Return on assets (roa)	NB.U%	NQ.H%	-A.R%	7.2%	5.8%
Return on equity (roe)	HL.O%	RG.N%	-O.Z%	7.0%	5.7%

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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	Status
Ä 50100409 / 14	25.11.2024	Entry - Amendment entry under NSPA § 595¹ (1)	Entered into force (25.11.2024)
Ä 50100409 / 13	11.07.2023	Entry - Amendment entry	Entered into force (11.07.2023)
Ä 50100409 / 12	14.06.2023	Entry - Amendment entry	Entered into force (14.06.2023)
Ä 50100409 / 11	16.03.2023	Entry - Amendment entry under NSPA § 595¹ (1)	Entered into force (16.03.2023)
Ä 50100409 / 10	14.12.2022	Entry - Amendment entry	Entered into force (14.12.2022)

1 - 5 / 16 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
itrust.ee	Active	07.08.2025	08.08.2027	-
iraha.ee	Active	14.11.2019	15.11.2026	-

1 - 2 / 2 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