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 (7 y)
Capital:: 41 000 EUR
Address:: A. H. Tammsaare tee 56, Kristiine linnaosa, Tallinn, Harju maakond, 11316
Status:: Registered
E-invoice reception:: e-arveldaja

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Contacts

Email:: bondora@bondora.com

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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

Industry TOP96 companies in the activity

Main activity 66199 · turnover over the last 4 quarters

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VAT liability

VAT no.	Start	End
EE101252401	01.12.2024	-
EE101252401	01.01.2020	30.11.2024
EE102216938	18.12.2019	31.12.2019

Annual reports

Aggregate data

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

Unsubmitted declarations

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No unsubmitted declarations as of 20.10.2026.

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Tax debt Reports Declarations Court decisions–Official announcements4 TTJA decisions–Real estate–.ee domains–Licenses–Regulations41 Public transactions1 Grants–State aid1 Public procurement–Holdings in companies3 Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	513 524 €	514 535 €	-	99
2026 Q2	561 996 €	586 952 €	-	96
2026 Q1	499 354 €	493 371 €	-	94
Total 2026:	1,57 M €	1,59 M €	0 €
2025 Q4	432 402 €	442 061 €	-	84
2025 Q3	472 630 €	472 156 €	-	80
2025 Q2	471 075 €	486 355 €	-	75
2025 Q1	438 526 €	418 433 €	-	72
Total 2025:	1,81 M €	1,82 M €	0 €
2024 Q4	333 099 €	340 565 €	-	75
2024 Q3	417 654 €	406 472 €	-	74
2024 Q2	447 911 €	457 254 €	-	70
2024 Q1	385 263 €	371 793 €	-	63
Total 2024:	1,58 M €	1,58 M €	0 €
2023 Q4	362 462 €	364 813 €	-	64
2023 Q3	347 609 €	339 570 €	-	60
2023 Q2	413 101 €	416 392 €	-	54
2023 Q1	304 936 €	291 688 €	-	58
Total 2023:	1,43 M €	1,41 M €	0 €
2022 Q4	227 145 €	218 318 €	-	49
2022 Q3	208 677 €	199 982 €	-	41
2022 Q2	240 013 €	239 768 €	-	38
2022 Q1	189 009 €	186 782 €	-	34
Total 2022:	864 844 €	844 850 €	0 €
2021 Q4	130 556,02 €	130 645,42 €	-	10
2021 Q3	108 993,94 €	109 586,06 €	-	8
2021 Q2	97 918,47 €	100 045,93 €	-	7
2021 Q1	84 562,27 €	84 678,50 €	-	11
Total 2021:	422 030,70 €	424 955,91 €	0 €
2020 Q4	67 847,20 €	69 902,31 €	-	11
2020 Q3	81 385,25 €	79 092,79 €	-	11
2020 Q2	1 214,76 €	756,36 €	-	9
2020 Q1	0 €	0 €	0 €	0
Total 2020:	150 447,21 €	149 751,46 €	0 €
2019 Q4	0 €	0 €	0 €	0
Total 2019:	0 €	0 €	0 €

Revenue by industry

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

Tax debts

No tax debt found

No tax debt as of 20.10.2026

Representatives

	Personal ID code
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 (40)	Board member	13.02.2024	-
Pärtel Tomberg	38711XXXXXX	04.11.1987 (38)	Board member	02.09.2019	-

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Shareholders

	Personal ID code
Tomberg Management & Consulting Group OÜ	11416465	23.08.2007 (19)	Shareholder	11 410,30 EUR	27,83%	Sole ownership	16.08.2023	-
SIX SIS AG	-	-	Shareholder	5 442,20 EUR	13,27%	Sole ownership	21.10.2024	-
GLOBAL FOUNDERS FUND GMBH & CO. BETEILIGUNGS KG NR. 1	-	-	Shareholder	5 242,50 EUR	12,79%	Sole ownership	02.10.2025	-

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Other persons

	Personal ID code
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 (59)	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	-

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Ultimate beneficial owners

	Personal ID code
Pärtel Tomberg	38711XXXXXX	04.11.1987 (38)	Indirect holding	02.09.2019	-

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Holdings in companies


Bondora AS	11.03.2008	Shareholder	500 000 EUR	100,00%	Sole ownership	03.11.2025	-
Bondora Finance AS	22.03.2023	Shareholder	5 900 000 EUR	100,00%	Sole ownership	03.11.2025	-
FlowstepDesign OÜ	30.03.2023	Shareholder	45,83 EUR	1,21%	Sole ownership	02.09.2023	-

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2026 Q3

Turnover

Amount: 0 €
Monthly average: 0 €
Per employee: -

Labour taxes

Turnover ratio: -
Tax ratio: 100,20%
Monthly average: 171 512 €
Per employee: 1 759 €

State taxes

Monthly average: 171 175 €
Turnover ratio: -

Estimated salary

Gross salary: 3 193 €
Net salary: 2 555 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020
Current assets	-	4 452 100 €−80,4%	22 692 794 €+19,9%	18 925 868 €+10,9%	17 070 628 €+81,9%	9 382 445 €
Non-current assets	-	6 892 300 €+86,6%	3 694 253 €+92,4%	1 919 631 €+75,8%	1 091 731 €+2,2%	1 067 810 €
Total assets	19 237 694 €+69,6%	11 344 400 €+98,6%	5 712 364 €+27,4%	4 482 178 €−75,2%	18 107 452 €+1 156%	1 442 180 €
Short-term liabilities	-	7 870 000 €+55,1%	5 074 045 €+26,0%	4 026 784 €+115%	1 869 728 €+109%	894 289 €
Long-term liabilities	-	1 776 100 €+19,9%	1 481 093 €+270%	400 758 €+32,2%	303 187 €−68,0%	947 634 €
Total liabilities	-	9 646 100 €+47,2%	6 555 138 €+48,1%	4 427 542 €+104%	2 172 915 €+18,0%	1 841 923 €
Share or stock capital	-	50 000 €	50 001 €	50 001 €	50 001 €+100,0%	25 001 €
Retained earnings	-	1 058 500 €+82,0%	581 590 €−93,8%	9 429 543 €+8 868%	105 142 €+105%	-2 252 433 €
Net profit	-	1 176 800 €−64,9%	3 353 765 €+58,9%	2 110 877 €+1 214%	160 591 €−96,8%	5 007 303 €
Equity	-	1 698 300 €−91,3%	19 552 880 €+1 553%	1 182 965 €−91,5%	13 951 673 €+91,7%	7 277 000 €
Turnover	41 826 188 €+37,3%	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	-	3,9%	7,6%	5,8%	0,5%	16,9%

Financial ratios

	2021	2020
Profit and cash flow
EBITDA	627 365 €	288 364 €
Liquidity
Current ratio	0,7	0,4
Quick ratio	0,7	0,3
Cash ratio	0,0	0,0
Efficiency
Days sales outstanding (dso)	93,0	97,9
Asset turnover	1,7	1,1
Structure
Debt ratio	0,9	0,9
Profitability
Operating margin	5,1%	6,9%
Net profit margin	4,8%	6,5%
Return on assets (roa)	8,2%	6,9%
Return on equity (roe)	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


Ä 50127206 / 20	18.08.2026	Entry – Second, constitutive merger entry (on acquiring entity’s registry card)	-	Entered into force18.08.2026
Ä 50127206 / 19	21.07.2026	Entry – Amendment entry	-	Entered into force21.07.2026
Ä 50127206 / 18	02.06.2026	Entry – Division entry of transferring entity (second, constitutive entry)	-	Entered into force02.06.2026
Ä 50127206 / M21	20.05.2026	Order to remedy deficiencies – Division entry of transferring entity (second, constitutive entry)	19.06.2026	Deficiencies remedied02.06.2026
Ä 50127206 / M20	15.05.2026	Directive order – Division entry of transferring entity (second, constitutive entry)	-	Entered into force15.05.2026

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

No court decisions found

The company has no court decisions

Official announcements


Notice of company merger	19.08.2026	PDF
Notice of preparation of a division plan or conclusion of a division agreement	23.12.2025	PDF
Notice of share-capital reduction	09.06.2025	PDF
Notice of division of a company	16.10.2019	PDF

Public transactions


30.05.2024	Tallinna Linnaplaneerimise Amet	300 €Received	OPERATING EXPENSESHeritage protection

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid


14.05.2026	Haridus- ja NoorteametAid measure 241652	Muu › MuuGrant	342 €	241652/2600304

Public procurement contracts

No public procurement contracts found

The company has no public procurement contracts

.ee domains

No domains found

Company has no valid .ee domains

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

Data comes from public registers.