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Cachet Insurance Broker OÜ

Legal form:

Private limited company

Registry code:

14920263

VAT no.:

EE102374663

Fiscal-year period:

01.01 - 31.12

Established:

25.02.2020 (6)

Former business names:

Cachet Data OÜ

Capital:

2 500 EUR

Address:

Tatari tn 64, Kesklinna linnaosa, Tallinn, Harju maakond, 10134

Status:

Registered

Contacts

Email:

hedi@cachet.me

Phone:

+372 6682834

Website:

www.cachet.me

Industries

FINANCIAL AND INSURANCE ACTIVITIES
Auxiliary activities of financial services and insurance
Auxiliary activities for insurance and pension funding
Activities of insurance agents and brokers
66221 - Activities of insurance agents

VAT liability

	Start	End
EE102374663	24.05.2021

Annual reports

Aggregate data

	Period	Submitted
2025	01.01.2025 - 31.12.2025	13.05.2026	Valid
2024	01.01.2024 - 31.12.2024	21.07.2025	Valid
2023	01.01.2023 - 31.12.2023	29.06.2024	Valid
2022	01.01.2022 - 31.12.2022	30.06.2023	Valid
2021	01.01.2021 - 31.12.2021	28.07.2022	Valid
2020	25.02.2020 - 31.12.2020	20.01.2021	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	Taxable turnover	Employees
2026 Q2	126 001 €	130 595 €	22 851 €58.0%	17
2026 Q1	115 585 €	119 376 €	14 466 €44.4%	16
Kokku 2026:	241 586 €	249 971 €	37 317 €
2025 Q4	121 762 €	124 872 €	26 008 €63.5%	14
2025 Q3	101 767 €	106 573 €	15 905 €8.1%	13
2025 Q2	93 366 €	98 345 €	14 708 €48.4%	12
2025 Q1	100 847 €	101 410 €	28 512 €17.2%	11
Kokku 2025:	417 742 €	431 200 €	85 133 €17.1%
2024 Q4	72 497 €	75 911 €	24 337 €14.8%	13
2024 Q3	76 022 €	69 655 €	28 552 €17.3%	9
2024 Q2	70 844 €	69 593 €	24 349 €4.5%	9
2024 Q1	65 084 €	63 287 €	25 502 €26.5%	9
Kokku 2024:	284 447 €	278 446 €	102 740 €13.2%
2023 Q4	63 821 €	63 548 €	20 162 €32.2%	9
2023 Q3	73 112 €	71 623 €	29 716 €9.4%	10
2023 Q2	73 539 €	71 388 €	32 787 €8.2%	10
2023 Q1	75 480 €	72 614 €	35 706 €34.1%	9
Kokku 2023:	285 953 €	279 173 €	118 372 €32.5%
2022 Q4	87 703 €	86 940 €	26 618 €41.1%	10
2022 Q3	89 567 €	85 927 €	45 187 €27.5%	9
2022 Q2	65 093 €	56 129 €	62 356 €51.0%	10
2022 Q1	27 383 €	20 161 €	41 299 €26.3%	6
Kokku 2022:	269 744 €	249 158 €	175 459 €180.9%
2021 Q4	29 092 €	23 705 €	32 711 €12.3%	2
2021 Q3	26 690 €	21 931 €	29 137 €4 604.7%	2
2021 Q2	20 108 €	20 992 €	619 €	2
2021 Q1	8 310 €	8 740 €	0 €	4
Kokku 2021:	84 200 €	75 368 €	62 468 €
2020 Q4	0 €	0 €	0 €	3
Kokku 2020:	0 €	0 €	0 €

Revenue by industry

	2023	2024	2025
Activities of insurance agents and brokers	185 507 €		1 651 964 €
Activities of insurance brokers		614 118 €

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
Hedi Mardisoo	48205XXXXXX	12.05.1982 (44)	Board member	28.02.2020	-

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
CACHET DATA CORP LIMITED	-	-	Shareholder	2 500,00 EUR	100	Sole ownership	01.09.2023	-

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
CACHET DATA CORP LIMITED	-	-	Founder	07.02.2020	-

1 - 1 / 1 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Hedi Mardisoo	48205XXXXXX	12.05.1982 (44)	Member of higher governing body (board or supervisory board)	20.03.2020	-
Kalle Palling	38502XXXXXX	27.02.1985 (41)	Member of higher governing body (board or supervisory board)	20.03.2020	-

1 - 2 / 2 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q2

Turnover

Amount

22 851 €

Monthly average

7 617 €

Per employee

448 €

Equity ratio

304,68%

Labour taxes

Turnover ratio

571,51%

Tax ratio

103,65%

Monthly average

43 532 €

Per employee

2 638 €

State taxes

Monthly average

42 000 €

Turnover ratio

551,40%

Estimated salary

Gross salary

4 684 €

Net salary

3 629 €

Aggregate data

	2025	2024	2023	2022	2021	2020
Current assets	1 192 015 €199.3%	398 270 €45.0%	274 747 €40.6%	195 387 €109.5%	93 271 €5.7%	98 924 €
Non-current assets	912 837 €4.8%	870 973 €31.7%	661 553 €240.4%	194 343 €352.6%	42 943 €3 119.1%	1 334 €
Total assets	2 104 852 €65.8%	1 269 243 €35.6%	936 300 €140.2%	389 730 €186.1%	136 214 €35.9%	100 258 €
Short-term liabilities	817 694 €104.2%	400 494 €70.0%	235 585 €44.4%	163 094 €78.1%	91 587 €329.4%	21 331 €
Long-term liabilities	546 838 €27.9%	427 666 €61.8%	1 118 241 €33.8%	1 688 155 €232.8%	507 251 €339.8%	115 341 €
Total liabilities	1 364 532 €64.8%	828 160 €38.8%	1 353 826 €26.9%	1 851 249 €209.1%	598 838 €338.2%	136 672 €
Share or stock capital	2 500 €	2 500 €	2 500 €	2 500 €	2 500 €	2 500 €
Retained earnings	438 583 €59.4%	1 079 974 €101.5%	535 981 €215.2%	-465 124 €1 095.3%	-38 914 €	-
Net profit	299 237 €146.7%	-641 391 €32.9%	-956 007 €4.3%	-998 895 €134.4%	-426 210 €995.3%	-38 914 €
Equity	740 320 €67.8%	441 083 €205.6%	-417 526 €71.4%	-1 461 519 €215.9%	-462 624 €1 170.5%	-36 414 €
Turnover	1 651 964 €169.0%	614 118 €231.0%	185 507 €44.9%	128 030 €200.9%	42 552 €	-
Profit margin	18.11%117.3%	-104.44%79.7%	-515.35%33.9%	-780.20%22.1%	-1 001.62%	0.00%

Financial ratios

	2025	2024	2023	2022	2021
Profit and cash flow
EBITDA	-	-WDJ ORT	-NMS POH	-961 118	-414 149
Liquidity
Current ratio	Q.M	U.J	G.E	1.2	1.0
Quick ratio	R.Y	Y.W	X.T	1.2	1.0
Cash ratio	Y.B	T.L	G.T	0.8	0.7
Efficiency
Days sales outstanding (dso)	GKH.A	IHT.H	QTA.N	332.7	194.6
Asset turnover	Y.Q	Y.B	K.Z	0.5	0.4
Structure
Debt ratio	H.Z	G.S	D.Z	4.8	4.4
Profitability
Operating margin	TS.E%	-VPN.K%	-OGR.T%	-751.0%	-974.1%
Net profit margin	ML.L%	-QKO.E%	-NUX.T%	-780.2%	-1 001.6%
Return on assets (roa)	HA.N%	-MG.M%	-NMK.Z%	-379.8%	-360.5%
Return on equity (roe)	TI.P%	-RLX.L%	-	-	-

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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 50140805 / 7	02.11.2023	Entry - Amendment entry	Entered into force (02.11.2023)
Ä 50140805 / 6	01.09.2023	Entry - Amendment entry	Entered into force (01.09.2023)
Ä 50140805 / 5	07.02.2023	Entry - Amendment entry under NSPA § 595¹ (1)	Entered into force (07.02.2023)
Ä 50140805 / 4	05.10.2020	Entry - Amendment entry under CRA § 525 (2)	Entered into force (05.10.2020)
Ä 50140805 / 3	01.10.2020	Entry - Amendment entry	Entered into force (01.10.2020)

1 - 5 / 7 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

Date	Party	Amount	Classification
16.08.2022	Eesti Töötukassa	654.00 € Received	OTHER GRANTS Social protection of the unemployed
15.07.2022	Eesti Töötukassa	654.00 € Received	OTHER GRANTS Social protection of the unemployed
15.06.2022	Eesti Töötukassa	654.00 € Received	OTHER GRANTS Social protection of the unemployed
17.05.2022	Eesti Töötukassa	654.00 € Received	OTHER GRANTS Social protection of the unemployed
18.04.2022	Eesti Töötukassa	654.00 € Received	OTHER GRANTS Social protection of the unemployed

Cachet Insurance Broker OÜ

Contacts

Industries

VAT liability

Annual reports

Unsubmitted declarations

No unsubmitted declarations found

Credit rating

Hidden

Tax data

Revenue by industry

Tax debts

No tax debt found

Representatives

Shareholders

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Ultimate beneficial owners

Holdings in companies

No holdings in companies found

Aggregate data

Financial ratios

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

No official announcements found

Public transactions

Public transactions

.ee domains

No domains found

Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found