Cachet Insurance Broker OÜ

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	13.05.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	21.07.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	29.06.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	30.06.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	28.07.2022	Valid	PDF
2020	25.02.2020 – 31.12.2020	20.01.2021	Valid	PDF

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No unsubmitted declarations as of 23.10.2026.

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Tax debt Reports Declarations Court decisions–Official announcements–TTJA decisions–Real estate–.ee domains–Licenses–Regulations7 Public transactions6 Grants–State aid2 Public procurement–Holdings in companies–Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	139 530 €	146 664 €	13 525 €−40,8%	19
2026 Q2	126 001 €	130 595 €	22 851 €+58,0%	17
2026 Q1	115 585 €	119 376 €	14 466 €−44,4%	16
Total 2026:	381 116 €	396 635 €	50 842 €
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
Total 2025:	417 742 €	431 200 €	85 133 €
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
Total 2024:	284 447 €	278 446 €	102 740 €
2023 Q4	63 821 €	63 548 €	20 162 €−32,2%	9
2023 Q3	73 112 €	71 623 €	29 716 €−9,4%	9
2023 Q2	73 539 €	71 388 €	32 787 €−8,2%	10
2023 Q1	75 480 €	72 614 €	35 706 €+34,1%	10
Total 2023:	285 952 €	279 173 €	118 371 €
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%	7
Total 2022:	269 746 €	249 157 €	175 460 €
2021 Q4	29 091,94 €	23 704,56 €	32 711,41 €+12,3%	2
2021 Q3	26 690,14 €	21 931,41 €	29 136,86 €+4 605%	2
2021 Q2	20 107,57 €	20 991,55 €	619,31 €	2
2021 Q1	8 310,18 €	8 740,42 €	-	4
Total 2021:	84 199,83 €	75 367,94 €	62 467,58 €
2020 Q4	-	-	-	3
Total 2020:	0 €	0 €	0 €

Revenue by industry

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

Tax debts

No tax debt found

No tax debt as of 23.10.2026

Representatives

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

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Shareholders

	Personal ID code
CACHET DATA CORP LIMITED	-	-	Shareholder	2 500 EUR	100,00%	Sole ownership	01.09.2023	-

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Other persons

	Personal ID code
CACHET DATA CORP LIMITED	-	-	Founder	07.02.2020	-

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Ultimate beneficial owners

	Personal ID code
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	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q3

Turnover

Amount: 13 525 €
Monthly average: 4 508 €
Per employee: 237 €
Equity ratio: 180,33%

Labour taxes

Turnover ratio: 1 084,39%
Tax ratio: 105,11%
Monthly average: 48 888 €
Per employee: 2 716 €

State taxes

Monthly average: 46 510 €
Turnover ratio: 1 031,65%

Estimated salary

Gross salary: 4 826 €
Net salary: 3 782 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020
Current assets	1 192 015 €+199%	398 270 €+45,0%	274 747 €+40,6%	195 387 €+109%	93 271 €−5,7%	98 924 €
Non-current assets	912 837 €+4,8%	870 973 €+31,7%	661 553 €+240%	194 343 €+353%	42 943 €+3 119%	1 334 €
Total assets	2 104 852 €+65,8%	1 269 243 €+35,6%	936 300 €+140%	389 730 €+186%	136 214 €+35,9%	100 258 €
Short-term liabilities	817 694 €+104%	400 494 €+70,0%	235 585 €+44,4%	163 094 €+78,1%	91 587 €+329%	21 331 €
Long-term liabilities	546 838 €+27,9%	427 666 €−61,8%	1 118 241 €−33,8%	1 688 155 €+233%	507 251 €+340%	115 341 €
Total liabilities	1 364 532 €+64,8%	828 160 €−38,8%	1 353 826 €−26,9%	1 851 249 €+209%	598 838 €+338%	136 672 €
Share or stock capital	-	-	-	-	-	-
Retained earnings	-3 061 417 €−26,5%	-2 420 026 €−65,3%	-1 464 019 €−215%	-465 124 €−1 095%	-38 914 €−1 657%	2 500 €
Net profit	299 237 €+147%	-641 391 €+32,9%	-956 007 €+4,3%	-998 895 €−134%	-426 210 €−995%	-38 914 €
Equity	740 320 €+67,8%	441 083 €+206%	-417 526 €+71,4%	-1 461 519 €−216%	-462 624 €−1 170%	-36 414 €
Turnover	1 651 964 €+169%	614 118 €+231%	185 507 €+44,9%	128 030 €+201%	42 552 €	-
Profit margin	18,1%	-104,4%	-515,3%	-780,2%	-1 001,6%	-

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	-961 118 €	-414 149 €
Liquidity
Current ratio	1,2	1,0
Quick ratio	1,2	1,0
Cash ratio	0,8	0,7
Efficiency
Days sales outstanding (dso)	332,7	194,6
Asset turnover	0,5	0,4
Structure
Debt ratio	4,8	4,4
Profitability
Operating margin	-751,0%	-974,1%
Net profit margin	-780,2%	-1 001,6%
Return on assets (roa)	-379,8%	-360,5%
Return on equity (roe)	-	-

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 50140805 / 7	02.11.2023	Entry – Amendment entry	-	Entered into force02.11.2023
Ä 50140805 / 6	01.09.2023	Entry – Amendment entry	-	Entered into force01.09.2023
Ä 50140805 / 5	07.02.2023	Entry – Amendment entry under NSPA § 595¹ (1)	-	Entered into force07.02.2023
Ä 50140805 / 4	05.10.2020	Entry – Amendment entry under CRA § 525 (2)	-	Entered into force05.10.2020
Ä 50140805 / 3	01.10.2020	Entry – Amendment entry	-	Entered into force01.10.2020

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

No official announcements found

Company has no issued official announcements

Public transactions


16.08.2022	Eesti Töötukassa	654 €Received	OTHER GRANTSSocial protection of the unemployed
15.07.2022	Eesti Töötukassa	654 €Received	OTHER GRANTSSocial protection of the unemployed
15.06.2022	Eesti Töötukassa	654 €Received	OTHER GRANTSSocial protection of the unemployed
17.05.2022	Eesti Töötukassa	654 €Received	OTHER GRANTSSocial protection of the unemployed
18.04.2022	Eesti Töötukassa	654 €Received	OTHER GRANTSSocial protection of the unemployed

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid


02.12.2024	Ettevõtluse ja Innovatsiooni SihtasutusAid measure 231469	Turundustegevused VTA › Ekspordi edendamine VTAGrant	10 027 €	231469/2500199
07.01.2022	Eesti TöötukassaAid measure 20985	Palgatoetus VTA › Palgatoetus VTAGrant	3 924 €	20985/2202207

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.