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Bondora Group AS

Legal form:

Public limited company

Registry code:

14794392

VAT no.:

EE101252401

Fiscal-year period:

01.01 - 31.12

Established:

02.09.2019 (6)

Capital:

41 000 EUR

Address:

A. H. Tammsaare tee 56, Kristiine linnaosa, Tallinn, Harju maakond, 11316

Status:

Registered

E-arvete vastuvõtmine:

e-arveldaja

Contacts

Email:

bondora@bondora.com

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Auxiliary activities of financial services and insurance
Auxiliary activities of financial services, except insurance and pension funds
Other activities auxiliary to financial services, except insurance and pension funding
66199 - Other activities auxiliary to financial services n.e.c., except insurance and pension funding

VAT liability

	Start	End
EE101252401	01.12.2024
EE101252401	01.01.2020	30.11.2024
EE102216938	18.12.2019	31.12.2019

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	26.06.2026	Valid
2024	01.01.2024 - 31.12.2024	03.06.2025	Valid
2024	01.01.2024 - 31.12.2024	31.03.2025	Expired
2023	01.01.2023 - 31.12.2023	29.03.2024	Valid
2022	01.01.2022 - 31.12.2022	31.03.2023	Valid
2021	01.01.2021 - 31.12.2021	31.03.2022	Valid
2020	02.09.2019 - 31.12.2020	30.04.2021	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

? Strengths

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Tax data

	State taxes	Labour taxes	Employees
2026 Q2	561 996 €	586 952 €	34
2026 Q1	499 354 €	493 371 €	36
Kokku 2026:	1 061 350 €	1 080 323 €
2025 Q4	432 402 €	442 061 €	37
2025 Q3	472 630 €	472 156 €	33
2025 Q2	471 075 €	486 355 €	35
2025 Q1	438 526 €	418 433 €	34
Kokku 2025:	1 814 633 €	1 819 005 €
2024 Q4	333 099 €	340 565 €	38
2024 Q3	417 654 €	406 472 €	38
2024 Q2	447 911 €	457 254 €	36
2024 Q1	385 263 €	371 793 €	31
Kokku 2024:	1 583 927 €	1 576 084 €
2023 Q4	362 462 €	364 813 €	26
2023 Q3	347 609 €	339 570 €	22
2023 Q2	413 101 €	416 392 €	19
2023 Q1	304 936 €	291 688 €	24
Kokku 2023:	1 428 107 €	1 412 463 €
2022 Q4	227 145 €	218 318 €	19
2022 Q3	208 677 €	199 982 €	15
2022 Q2	240 013 €	239 768 €	12
2022 Q1	189 009 €	186 782 €	11
Kokku 2022:	864 843 €	844 850 €
2021 Q4	130 556 €	130 645 €	10
2021 Q3	108 994 €	109 586 €	8
2021 Q2	97 918 €	100 046 €	7
2021 Q1	84 562 €	84 679 €	11
Kokku 2021:	422 031 €	424 956 €
2020 Q4	67 847 €	69 902 €	11
2020 Q3	81 385 €	79 093 €	11
2020 Q2	1 215 €	756 €	9
2020 Q1	0 €	0 €	0
Kokku 2020:	150 447 €	149 751 €
2019 Q4	0 €	0 €	0
Kokku 2019:	0 €	0 €

Revenue by industry

	2023	2024	2025
Other activities auxiliary to financial services n.e.c., except insurance and pension funding	9 931 781 €	30 472 204 €	41 826 188 €

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
Kerli Lõhmus	47702XXXXXX	24.02.1977 (49)	Board member	05.03.2026	-
Vytautas Juras	37701XXXXXX	04.01.1977 (49)	Board member	05.03.2026	-
Olga Kikas	48303XXXXXX	23.03.1983 (43)	Board member	05.02.2026	-
Liisi Klettenberg	48609XXXXXX	24.09.1986 (39)	Board member	13.02.2024	-
Pärtel Tomberg	38711XXXXXX	04.11.1987 (38)	Board member	02.09.2019	-

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

1 - 5 / 5 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
GLOBAL FOUNDERS FUND GMBH & CO. BETEILIGUNGS KG NR. 1	-	-	Shareholder	5 242,50 EUR	12,79	Sole ownership	02.10.2025	-
SIX SIS AG	-	-	Shareholder	5 442,20 EUR	13,27	Sole ownership	21.10.2024	-
Tomberg Management & Consulting Group OÜ	-	23.08.2007 (18)	Shareholder	11 410,30 EUR	27,83	Sole ownership	16.08.2023	-

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

1 - 3 / 3 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
João Pinto da Silva Monteiro	36910XXXXXX	22.10.1969 (56)	Chairman of the supervisory board	09.02.2026	-
Raimondas Berniunas	38005XXXXXX	19.05.1980 (46)	Supervisory-board member	27.03.2024	-
Richard Johan Adriaan Groeneveld	-	18.08.1967 (58)	Supervisory-board member	27.03.2024	-
Mart Altvee	37012XXXXXX	07.12.1970 (55)	Supervisory-board member	15.12.2023	-
Jevgeni Kabanov	38304XXXXXX	28.04.1983 (43)	Supervisory-board member	04.04.2023	-

4 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
Pärtel Tomberg	38711XXXXXX	04.11.1987 (38)	Indirect holding	02.09.2019	-

1 - 1 / 1 rows

Holdings in companies

Company	Registered	Role	Share	%	Type	Start	End
Bondora Solutions OÜ	02.09.2019	Shareholder	2 510,00 EUR	100	Sole ownership	03.11.2025	-
Bondora AS	11.03.2008	Shareholder	500 000,00 EUR	100	Sole ownership	03.11.2025	-
Bondora Finance AS	22.03.2023	Shareholder	5 900 000,00 EUR	100	Sole ownership	03.11.2025	-
FlowstepDesign OÜ	30.03.2023	Shareholder	45,83 EUR	1,21	Sole ownership	02.09.2023	-

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

1 - 4 / 4 rows

2026 Q2

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

104,44%

Monthly average

195 651 €

Per employee

5 590 €

State taxes

Monthly average

187 332 €

Turnover ratio

0,00%

Estimated salary

Gross salary

9 653 €

Net salary

7 326 €

Aggregate data

	2025	2024	2024	2023	2022	2021	2020
Current assets	-	-	-	22 692 794 €19.9%	18 925 868 €10.9%	17 070 628 €81.9%	9 382 445 €
Non-current assets	-	-	-	3 415 223 €105.0%	1 665 601 €60.6%	1 036 823 €2.9%	1 067 810 €
Total assets	19 237 694 €69.6%	11 344 370 €	11 344 370 €56.5%	26 108 016 €26.8%	20 591 468 €13.7%	18 107 452 €73.3%	10 450 255 €
Short-term liabilities	-	-	-	5 074 045 €26.0%	4 026 784 €22.1%	3 297 706 €48.2%	2 225 621 €
Long-term liabilities	-	-	-	1 481 093 €269.6%	400 758 €53.3%	858 073 €9.5%	947 634 €
Total liabilities	-	-	-	6 555 138 €48.1%	4 427 542 €6.5%	4 155 779 €31.0%	3 173 255 €
Share or stock capital	-	-	-	50 001 €	50 001 €	50 001 €100.0%	25 001 €
Retained earnings	-	-	-	16 149 114 €15.3%	14 003 048 €93.8%	7 226 999 €222.0%	2 244 696 €
Net profit	-	-	-	3 353 765 €58.9%	2 110 877 €68.4%	6 674 673 €33.3%	5 007 303 €
Equity	-	-	-	19 552 880 €21.0%	16 163 926 €15.9%	13 951 673 €91.7%	7 277 000 €
Turnover	41 826 188 €37.3%	30 472 204 €	30 472 204 €31.3%	44 352 780 €20.8%	36 708 088 €23.3%	29 770 434 €0.2%	29 713 092 €
Profit margin	0.00%	0.00%	0.00%	7.56%31.5%	5.75%74.4%	22.42%33.0%	16.85%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	T RJU AFV	M DNW ARN	QVJ WBQ	627 365	288 364
Liquidity
Current ratio	Y.S	N.H	V.D	0.7	0.4
Quick ratio	R.T	E.I	J.C	0.7	0.3
Cash ratio	H.A	R.O	W.W	0.0	0.0
Efficiency
Days sales outstanding (dso)	EO.E	YO.H	WHC.S	93.0	97.9
Asset turnover	Q.G	Z.U	E.O	1.7	1.1
Structure
Debt ratio	C.Y	V.Q	Y.H	0.9	0.9
Profitability
Operating margin	S.O%	O.H%	X.K%	5.1%	6.9%
Net profit margin	Q.Y%	O.A%	I.T%	4.8%	6.5%
Return on assets (roa)	AC.P%	V.D%	P.R%	8.2%	6.9%
Return on equity (roe)	GG.A%	LI.N%	KS.D%	50.9%	64.5%

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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 50127206 / 18	02.06.2026	Entry - Division entry of transferring entity (second, constitutive entry)		Entered into force (02.06.2026)
Ä 50127206 / M21	20.05.2026	Order to remedy deficiencies - Division entry of transferring entity (second, constitutive entry)	19.06.2026	Deficiencies remedied (02.06.2026)
Ä 50127206 / M20	15.05.2026	Directive order - Division entry of transferring entity (second, constitutive entry)		Entered into force (15.05.2026)
Ä 50127206 / M19	17.04.2026	Order to remedy deficiencies - Division entry of transferring entity (second, constitutive entry)	16.06.2026	Deficiencies remedied (15.05.2026)
Ä 50127206 / M18	10.04.2026	Directive order - Division entry of transferring entity (second, constitutive entry)	17.04.2026	Entered into force (10.04.2026)

1 - 5 / 39 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

Subject	Date
Notice of preparation of a division plan or conclusion of a division agreement	23.12.2025
Notice of share-capital reduction	09.06.2025
Notice of division of a company	16.10.2019

1 - 3 / 3 rows

Public transactions

Date	Party	Amount	Classification
30.05.2024	Tallinna Linnaplaneerimise Amet	300.00 € Received	OPERATING EXPENSES Heritage protection

Bondora Group AS

Contacts

Industries

VAT liability

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Credit rating

Hidden

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Revenue by industry

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No tax debt found

Representatives

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Holdings in companies

Holdings in companies

Aggregate data

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Licences & notices

No licenses and notices found

Regulations

Regulations

Real estate

No real estate found

Consumer Disputes Committee decisions

No consumer dispute committee decisions found

Official announcements

Official announcements

Public transactions

Public transactions

.ee domains

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Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found