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Spectro Finance OÜ

Legal form:

Private limited company

Registry code:

14608294

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

16.11.2018 (7)

Capital:

250 000 EUR

Address:

Narva mnt 7b, Kesklinna linnaosa, Tallinn, Harju maakond, 10117

Status:

Registered

Contacts

Email:

info@spectrofinance.ee

Phone:

+372 5152818

Phone:

+370 68900863

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

No VAT obligation history found

Company has not been issued any VAT ID number

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	20.10.2025	Valid
2023	01.01.2023 - 31.12.2023	23.01.2025	Valid
2023	01.01.2023 - 31.12.2023	08.08.2024	Expired
2022	01.01.2022 - 31.12.2022	11.10.2023	Valid
2021	01.01.2021 - 31.12.2021	07.09.2022	Valid
2020	01.01.2020 - 31.12.2020	30.06.2021	Valid
2019	16.11.2018 - 31.12.2019	03.06.2020	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	Employees
2026 Q1	20 446 €	21 753 €	8
Kokku 2026:	20 446 €	21 753 €
2025 Q4	18 664 €	19 909 €	8
2025 Q3	15 538 €	16 452 €	8
2025 Q2	10 904 €	11 598 €	5
2025 Q1	13 810 €	14 901 €	4
Kokku 2025:	58 916 €	62 860 €
2024 Q4	10 734 €	11 520 €	4
2024 Q3	16 234 €	17 069 €	3
2024 Q2	9 942 €	10 492 €	4
2024 Q1	12 067 €	12 690 €	2
Kokku 2024:	48 977 €	51 771 €
2023 Q4	15 474 €	16 428 €	2
2023 Q3	14 683 €	15 577 €	4
2023 Q2	20 552 €	21 966 €	3
2023 Q1	9 525 €	10 719 €	4
Kokku 2023:	60 234 €	64 690 €
2022 Q4	32 912 €	34 897 €	4
2022 Q3	31 131 €	33 256 €	5
2022 Q2	20 359 €	21 842 €	5
2022 Q1	10 699 €	11 380 €	2
Kokku 2022:	95 101 €	101 375 €
2021 Q4	5 689 €	5 949 €	1
2021 Q3	5 648 €	6 124 €	1
2021 Q2	5 265 €	5 707 €	1
2021 Q1	4 708 €	5 101 €	1
Kokku 2021:	21 310 €	22 881 €
2020 Q4	2 852 €	3 092 €	1
2020 Q3	12 512 €	13 402 €	2
2020 Q2	11 545 €	12 495 €	2
2020 Q1	9 913 €	10 733 €	2
Kokku 2020:	36 822 €	39 721 €
2019 Q4	10 298 €	11 150 €	2
2019 Q3	9 951 €	10 779 €	2
2019 Q2	2 599 €	2 817 €	2
2019 Q1	0 €	0 €	0
Kokku 2019:	22 848 €	24 746 €

Revenue by industry

	2022	2023	2024
Other financial service activities n.e.c., except insurance and pension funding			1 430 068 €
Currency exchange	891 542 €	601 452 €

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
Patricia Desiree Gutmann	49911XXXXXX	12.11.1999 (26)	Board member	27.03.2026	-
Evaldas Krampas	39712XXXXXX	28.12.1997 (28)	Board member	13.10.2025	-
Giedrė Tamošauskienė	48802XXXXXX	05.02.1988 (38)	Board member	13.10.2025	-
Vakaris Neverauskas	39401XXXXXX	30.01.1994 (32)	Board member	13.10.2025	-

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

1 - 4 / 4 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
SF Ventures Ltd.	-	-	Shareholder	250 000,00 EUR	100	Sole ownership	02.09.2023	-

1 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
Tadas Dapšys	38906XXXXXX	20.06.1989 (36)	Chairman of the supervisory board	24.09.2025	-
Anna Agu-Alekseitšik	48911XXXXXX	27.11.1989 (36)	Supervisory-board member	15.07.2025	-
Ėglė Stašiene	48306XXXXXX	28.06.1983 (42)	Supervisory-board member	15.07.2025	-
Sergei Tšistjakov	36711XXXXXX	30.11.1967 (58)	Audit firm	06.09.2022	-
Assertum Audit OÜ	-	-	Audit firm	27.06.2022	-

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

1 - 5 / 6 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Justas Dobiliauskas	-	-	Indirect holding	30.05.2022	-
Mantas Mockevičius	-	-	Indirect holding	30.05.2022	-
Keith Viitak	38906XXXXXX	06.06.1989 (37)	Indirect holding	30.05.2022	-

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

1 - 3 / 3 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q1

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

106,39%

Monthly average

7 251 €

Per employee

906 €

State taxes

Monthly average

6 815 €

Turnover ratio

0,00%

Estimated salary

Gross salary

1 768 €

Net salary

1 459 €

Aggregate data

	2024	2023	2022	2021	2020	2019
Current assets	23 487 466 €54.8%	15 174 795 €102.1%	7 508 955 €32.2%	11 079 495 €1 920.1%	548 451 €342.6%	123 913 €
Non-current assets	198 107 €50.5%	400 416 €67.1%	1 215 479 €101.3%	603 858 €12 642.3%	4 739 €23.3%	6 175 €
Total assets	23 685 572 €52.1%	15 575 211 €78.5%	8 724 434 €25.3%	11 683 353 €2 012.0%	553 190 €325.2%	130 088 €
Short-term liabilities	55 588 €90.7%	595 364 €1 418.0%	39 219 €80.7%	21 700 €7.2%	23 383 €106.5%	11 323 €
Long-term liabilities	23 287 814 €58.4%	14 701 760 €79.4%	8 192 976 €29.9%	11 688 169 €1 849.7%	599 500 €499.5%	100 000 €
Total liabilities	23 343 402 €52.6%	15 297 124 €85.8%	8 232 195 €29.7%	11 709 869 €1 779.9%	622 883 €459.5%	111 323 €
Share or stock capital	250 000 €	250 000 €	250 000 €1 150.0%	20 000 €	20 000 €	20 000 €
Retained earnings	28 086 €88.4%	242 036 €620.3%	-46 516 €48.1%	-89 693 €7 162.6%	-1 235 €	-
Net profit	64 085 €130.0%	-213 949 €174.1%	288 755 €568.8%	43 177 €148.8%	-88 458 €7 062.6%	-1 235 €
Equity	342 171 €23.0%	278 087 €43.5%	492 239 €1 956.4%	-26 516 €62.0%	-69 693 €471.4%	18 765 €
Turnover	1 430 068 €137.8%	601 452 €32.5%	891 542 €149.8%	356 852 €224.4%	110 000 €10.0%	100 000 €
Profit margin	4.48%112.6%	-35.57%209.8%	32.39%167.7%	12.10%115.0%	-80.42%6 411.4%	-1.24%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	IK JKU	QL EUP	YTO VCJ	44 061	-87 566
Liquidity
Current ratio	NCR.E	LI.C	FPY.V	510.6	23.5
Quick ratio	NAZ.G	RV.Z	TCV.Q	510.6	23.5
Cash ratio	UVI.N	VM.A	QTV.N	510.5	15.9
Efficiency
Days sales outstanding (dso)	YA.K	LUG.N	ZLM.O	397.2	462.4
Asset turnover	T.T	Y.T	H.B	0.1	0.3
Structure
Debt ratio	C.E	I.R	Z.C	1.0	1.1
Profitability
Operating margin	B.Z%	TW.P%	NS.O%	12.1%	-80.4%
Net profit margin	Z.P%	-OT.N%	WD.M%	12.1%	-80.4%
Return on assets (roa)	C.Q%	-S.O%	N.A%	0.7%	-25.9%
Return on equity (roe)	CU.B%	-HY.H%	KX.N%	-	-

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Licences & notices

Type	Number	Field	Status	Start	End
License	FVT000185	Financial services > Virtual-currency service	Valid	30.09.2020	-

1 - 1 / 1 rows

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 50107151 / 12	27.03.2026	Entry - Amendment entry		Entered into force (27.03.2026)
Ä 50107151 / 11	13.10.2025	Entry - Amendment entry		Entered into force (13.10.2025)
Ä 50107151 / 10	28.08.2025	Negative entry order – deficiencies not remedied - Amendment entry		Entered into force (15.09.2025)
Ä 50107151 / M4	06.08.2025	Order to remedy deficiencies - Amendment entry	21.08.2025	Entered into force (22.08.2025)
Ä 50107151 / M3	14.07.2024	Fine-warning order – annual report not filed	13.08.2024	Deficiencies remedied (09.08.2024)

Spectro Finance OÜ

Contacts

Industries

VAT liability

No VAT obligation history found

Annual reports

Unsubmitted declarations

No unsubmitted declarations found

Credit rating

Hidden

Tax data

Revenue by industry

Tax debts

No tax debt found

Representatives

Shareholders

Other persons

Ultimate beneficial owners

Holdings in companies

No holdings in companies found

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

Official announcements

No official announcements found

Public transactions

No public transactions found

.ee domains

No domains found

Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found