General information

Contacts

Industries

Jah

VAT liability

Annual reports

✓

Unsubmitted declarations

???

Credit rating

Tax data

✓

Tax debts

Related persons

Holdings in companies

Statistics

Summary of reports

Licenses

Regulations

Real estate

TTJA decisions

Court decisions

Official announcements

Public transactions

.ee domains

✓

Enforcement proceedings

✓

Payment orders

SmartPayments OÜ

Legal form:

Private limited company

Registry code:

14929521

VAT no.:

EE102398319

Fiscal-year period:

01.01 - 31.12

Established:

05.03.2020 (6)

Former business names:

ExFrame OÜ, Z Payments OÜ

Capital:

250 040 EUR

Address:

Jõe tn 2, Kesklinna linnaosa, Tallinn, Harju maakond, 10151

Status:

Registered

Contacts

Email:

info@smartpayments.ee

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

	Start	End
EE102398319	06.08.2021

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	01.08.2025	Valid
2023	01.01.2023 - 31.12.2023	02.12.2024	Valid
2022	01.01.2022 - 31.12.2022	12.03.2024	Valid
2021	01.01.2021 - 31.12.2021	15.06.2022	Valid
2020	05.03.2020 - 31.12.2020	16.08.2021	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 03.06.2026.

Delayed declarations

	Deadline	Submitted
Income- and social-tax return	10.12.2025	12.12.2025	2 days overdue
Income- and social-tax return	10.11.2025	13.11.2025	3 days overdue

???

Credit rating

Hidden

Credit rating is based on company financial data and payment behavior. detailed analysis available to regia+ users.

020406080100

? Risk factors

? Strengths

View summary

✓

Tax debt

✓

Unsubmitted reports

✓

Unsubmitted declarations

Court decisions

Official announcements

TTJA decisions

Real estate

.ee domains

Licenses

Regulations

Public transactions

Holdings in companies

✓

Enforcement proceedings

✓

Payment orders

Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	51 036 €	49 747 €	16 700 €27.5%	12
Kokku 2026:	51 036 €	49 747 €	16 700 €
2025 Q4	45 368 €	45 005 €	23 048 €20.3%	12
2025 Q3	45 397 €	42 193 €	19 156 €70.0%	11
2025 Q2	44 232 €	42 244 €	63 809 €619.1%	10
2025 Q1	48 393 €	43 019 €	8 873 €21.8%	10
Kokku 2025:	183 390 €	172 461 €	114 886 €73.1%
2024 Q4	37 489 €	38 281 €	7 286 €42.9%	9
2024 Q3	39 113 €	37 533 €	5 100 €64.7%	9
2024 Q2	38 604 €	33 682 €	14 465 €63.4%	9
2024 Q1	37 969 €	32 169 €	39 522 €98.8%	8
Kokku 2024:	153 175 €	141 665 €	66 373 €20.1%
2023 Q4	26 999 €	23 336 €	19 882 €1 104.9%	8
2023 Q3	67 824 €	36 503 €	1 650 €79.4%	4
2023 Q2	24 875 €	14 561 €	7 991 €69.0%	4
2023 Q1	26 835 €	22 583 €	25 761 €52.4%	4
Kokku 2023:	146 534 €	96 983 €	55 283 €227.0%
2022 Q4	76 728 €	24 504 €	16 904 €	5
2022 Q3	18 638 €	19 549 €	0 €	6
2022 Q2	16 904 €	17 711 €	0 €	5
2022 Q1	16 134 €	16 934 €	0 €	5
Kokku 2022:	128 405 €	78 698 €	16 904 €
2021 Q4	15 525 €	16 212 €	0 €	5
2021 Q3	12 562 €	13 222 €	0 €	3
2021 Q2	14 677 €	15 424 €	0 €	3
2021 Q1	0 €	0 €	0 €	2
Kokku 2021:	42 764 €	44 857 €	0 €

Revenue by industry

	2022	2023	2024
Provision of other financial services n.e.c., except insurance and pension funding	1 582 858 €	3 827 750 €	4 173 997 €

Tax debts

No tax debt found

No tax debt as of 03.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Dmytro Kostin	38304XXXXXX	23.04.1983 (43)	Board member	10.02.2025	-

3 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
Dmytro Kostin	38304XXXXXX	23.04.1983 (43)	Shareholder	250 040,00 EUR	100	Sole ownership	27.11.2025	-

8 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
Aleksei Motuzov	37609XXXXXX	06.09.1976 (49)	Founder	05.03.2020	-

1 - 1 / 1 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Dmytro Kostin	38304XXXXXX	23.04.1983 (43)	Direct holding	19.02.2025	-

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

1 - 1 / 1 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q1

Turnover

Amount

16 700 €

Monthly average

5 567 €

Per employee

464 €

Equity ratio

2,23%

Labour taxes

Turnover ratio

297,89%

Tax ratio

97,47%

Monthly average

16 582 €

Per employee

1 382 €

State taxes

Monthly average

17 012 €

Turnover ratio

305,60%

Estimated salary

Gross salary

2 569 €

Net salary

2 055 €

Aggregate data

	2024	2023	2022	2021	2020
Current assets	6 681 473 €22.6%	5 449 582 €192.1%	1 865 664 €6.0%	1 985 364 €9 114.1%	21 547 €
Non-current assets	217 667 €45.8%	401 500 €7.0%	431 500 €	-	-
Total assets	6 899 140 €17.9%	5 851 082 €154.7%	2 297 164 €15.7%	1 985 364 €9 114.1%	21 547 €
Short-term liabilities	2 291 760 €28.6%	3 210 699 €3 693.7%	84 633 €91.1%	949 274 €	-
Long-term liabilities	-	-	-	-	-
Total liabilities	2 291 760 €28.6%	3 210 699 €3 693.7%	84 633 €91.1%	949 274 €	-
Share or stock capital	250 040 €	250 040 €	250 040 €1 983.7%	12 000 €52.0%	25 000 €
Retained earnings	2 390 343 €21.8%	1 962 492 €142.0%	811 090 €8 395.8%	9 547 €	-
Net profit	1 966 997 €359.7%	427 851 €62.8%	1 151 401 €13.5%	1 014 543 €29 481.5%	-3 453 €
Equity	4 607 380 €74.5%	2 640 383 €19.3%	2 212 531 €113.5%	1 036 090 €4 708.5%	21 547 €
Turnover	4 173 997 €9.0%	3 827 750 €141.8%	1 582 858 €28.6%	1 230 937 €	-
Profit margin	47.13%321.6%	11.18%84.6%	72.74%11.7%	82.42%	0.00%

Financial ratios

	2024	2023	2022	2021	2020
Profit and cash flow
EBITDA	E LFV UCM	KXB TZF	-	-	-
Liquidity
Current ratio	M.H	Y.D	RX.T	2.1	-
Quick ratio	W.K	K.K	XT.N	2.0	-
Cash ratio	C.P	H.S	DR.K	1.4	-
Efficiency
Days sales outstanding (dso)	UPO.V	RAP.S	GRI.R	92.2	-
Asset turnover	W.A	I.G	X.F	1.2	-
Structure
Debt ratio	J.C	F.G	V.R	0.5	1.0
Profitability
Operating margin	EO.E%	R.F%	UL.X%	82.4%	-
Net profit margin	EM.J%	RJ.M%	ZF.Z%	82.4%	-
Return on assets (roa)	CU.L%	KD.O%	SZ.N%	101.1%	-16.0%
Return on equity (roe)	VZ.X%	FT.O%	MR.S%	97.9%	-16.0%

To view all financial ratios, you need to subscribe to extended access to the info portal!

Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 50141772 / 24	14.05.2026	Entry - Amendment entry under NSPA § 595¹ (1)		Entered into force (14.05.2026)
Ä 50141772 / 23	29.12.2025	Entry - Amendment entry under NSPA § 595¹ (1)		Entered into force (29.12.2025)
Ä 50141772 / 22	04.12.2025	Entry - Amendment entry		Entered into force (04.12.2025)
Ä 50141772 / M11	02.12.2025	Order to remedy deficiencies - Amendment entry	03.01.2026	Deficiencies remedied (04.12.2025)
Ä 50141772 / 21	27.11.2025	Entry - Amendment entry		Entered into force (27.11.2025)

1 - 5 / 35 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 delivery of a Tax-and-Customs-Board document	20.10.2025

SmartPayments OÜ

Contacts

Industries

VAT liability

Annual reports

Unsubmitted declarations

No unsubmitted declarations found

Delayed declarations

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

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

No public transactions found

.ee domains

No domains found

Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found