AS LHV Kindlustus

Legal form:: Public limited company
Registry code:: 14973611
VAT no.:: EE100530247
Fiscal-year period:: 01.01 - 31.12
Established:: 18.05.2020 (6 y)
Capital:: 8 000 000 EUR
Address:: Tartu mnt 2, Kesklinna linnaosa, Tallinn, Harju maakond, 10145
Status:: Registered
LEI code:: 254900MBQTBOMPBFJN15
E-invoice reception:: Arvekeskus

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Contacts

Email:: kindlustus@lhv.ee

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Industries

FINANCIAL AND INSURANCE ACTIVITIES
Insurance, reinsurance and pension funding, except compulsory social security
Insurance
65121 – Non-life insurance

Industry TOPNo. 7 of 9 companies

1.ERGO Insurance SE9.6M €
2.If P&C Insurance AS4M €
3.Swedbank P&C Insurance AS3.5M €
4.EASY ASSISTANCE ESTONIA OÜ745.3k €
5.mittetulundusühing Eesti Liikluskindlustuse Fond664.8k €
6.Salva Kindlustuse AS529.2k €
7.AS LHV Kindlustus515k €
8.Elama Kindlustus AS399.7k €
9.Aktsiaselts KredEx Krediidikindlustus186.4k €

Main activity 65121 · turnover over the last 4 quarters

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VAT liability

VAT no.	Start	End
EE100530247	01.05.2026	-
EE102346756	01.07.2024	30.04.2026
EE102346756	05.03.2021	30.06.2024
AS LHV Pank	-	-
AS LHV Finance	-	-
Aktsiaselts LHV Varahaldus	-	-
AS LHV Group	-	-
AS LHV Kindlustus	-	-

Annual reports

Aggregate data

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	27.03.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	30.04.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	15.05.2024	Valid	PDF
2023	01.01.2023 – 31.12.2023	30.04.2024	Expired	PDF
2023	01.01.2023 – 31.12.2023	10.05.2024	Expired	PDF
2022	01.01.2022 – 31.12.2022	30.04.2023	Valid	PDF
2021	01.01.2021 – 31.12.2021	26.04.2022	Valid	PDF
2020	18.05.2020 – 31.12.2020	29.04.2021	Valid	PDF

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 19.10.2026.

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Tax debt Reports Declarations Court decisions41 Official announcements–TTJA decisions8 Real estate–.ee domains–Licenses–Regulations12 Public transactions127 Grants–State aid–Public procurement45 Holdings in companies–Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	376 651 €	401 596 €	-	66
2026 Q2	388 296 €	387 985 €	122 626 €−44,8%	65
2026 Q1	462 107 €	420 303 €	222 068 €+30,4%	64
Total 2026:	1,23 M €	1,21 M €	344 694 €
2025 Q4	401 573 €	385 683 €	170 293 €+31,8%	55
2025 Q3	403 837 €	405 527 €	129 189 €−16,0%	53
2025 Q2	390 543 €	383 033 €	153 876 €−12,3%	55
2025 Q1	408 730 €	392 182 €	175 479 €+56,3%	55
Total 2025:	1,60 M €	1,57 M €	628 837 €
2024 Q4	350 675 €	344 837 €	112 258 €+12,1%	58
2024 Q3	343 852 €	343 458 €	100 153 €+137%	58
2024 Q2	321 292 €	332 251 €	42 188 €−54,9%	59
2024 Q1	324 943 €	320 899 €	93 524 €−7,0%	56
Total 2024:	1,34 M €	1,34 M €	348 123 €
2023 Q4	271 708 €	266 443 €	100 613 €+69,5%	53
2023 Q3	298 170 €	303 767 €	59 361 €−30,7%	48
2023 Q2	241 974 €	239 051 €	85 603 €+51,8%	45
2023 Q1	247 284 €	246 381 €	56 391 €+40,3%	41
Total 2023:	1,06 M €	1,06 M €	301 968 €
2022 Q4	204 659 €	206 150 €	40 200 €+13,0%	39
2022 Q3	175 437 €	178 769 €	35 590 €+66,7%	33
2022 Q2	163 453 €	168 833 €	21 352 €+96,2%	34
2022 Q1	151 901 €	156 910 €	10 882 €+96,6%	31
Total 2022:	695 450 €	710 662 €	108 024 €
2021 Q4	137 159,56 €	144 225,51 €	5 535,35 €+147%	29
2021 Q3	126 967,74 €	135 044,48 €	2 239,70 €+6 675%	24
2021 Q2	95 907,25 €	102 183 €	33,06 €	24
2021 Q1	73 826,47 €	77 631,19 €	-	18
Total 2021:	433 861,02 €	459 084,18 €	7 808,11 €
2020 Q4	63 695,39 €	67 010,78 €	-	13
2020 Q3	24 238,45 €	25 618,66 €	-	6
2020 Q2	14 646,81 €	15 447,28 €	-	3
Total 2020:	102 580,65 €	108 076,72 €	0 €

Revenue by industry

	2023	2024	2025
Non-life insurance	26 037 972 €	34 968 684 €	41 080 548 €

Tax debts

No tax debt found

No tax debt as of 19.10.2026

Representatives

	Personal ID code
Taavi Lehemaa	39310XXXXXX	16.10.1993 (33)	Board member	12.12.2023	-
Martti-Sten Merilai	38010XXXXXX	05.10.1980 (46)	Board member	25.11.2022	-

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Shareholders

	Personal ID code
AS LHV Group	11098261	21.01.2005 (21)	Shareholder	5 200 000 EUR	65,00%	Sole ownership	16.08.2023	-
Toveko Invest OÜ	12406049	16.01.2013 (13)	Shareholder	2 800 000 EUR	35,00%	Sole ownership	16.08.2023	-

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Other persons

	Personal ID code
Mihkel Torim	38101XXXXXX	25.01.1981 (45)	Chairman of the supervisory board	15.10.2025	-
Erki Kilu	37512XXXXXX	14.12.1975 (50)	Supervisory-board member	30.04.2025	-
Jaan Koppel	36705XXXXXX	09.05.1967 (59)	Supervisory-board member	30.04.2025	-
Veiko Poolgas	37805XXXXXX	21.05.1978 (48)	Supervisory-board member	30.04.2025	-
Aktsiaselts PricewaterhouseCoopers	10142876	30.04.1997 (29)	Audit firm	04.03.2024	-

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Ultimate beneficial owners

	Personal ID code
Mihkel Torim	38101XXXXXX	25.01.1981 (45)	Member of higher governing body (board or supervisory board)	19.09.2025	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q3

Turnover

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

Labour taxes

Turnover ratio: -
Tax ratio: 106,62%
Monthly average: 133 865 €
Per employee: 2 044 €

State taxes

Monthly average: 125 550 €
Turnover ratio: -

Estimated salary

Gross salary: 3 679 €
Net salary: 2 920 €

Aggregate data

Last 5 yrsAll

	2025	2024	2023	2022	2021	2020
Current assets	-	-	19 673 386 €+47,6%	-	13 328 753 €+81,4%	7 349 647 €
Non-current assets	-	-	2 151 074 €+40,6%	-	1 530 140 €+557%	232 991 €
Total assets	28 625 036 €+10,5%	25 911 964 €+18,7%	21 824 460 €−27,0%	29 892 298 €+101%	14 858 893 €+96,0%	7 582 638 €
Short-term liabilities	-	-	-	-	-	-
Long-term liabilities	-	-	-	-	-	-
Total liabilities	-	-	-	-	-	-
Share or stock capital	-	-	8 000 000 €	-	8 000 000 €	8 000 000 €
Retained earnings	-	-	-3 303 332 €−500%	-	-550 509 €	-
Net profit	-	-	304 690 €+137%	-	-822 966 €−49,5%	-550 509 €
Equity	-	-	5 246 802 €−21,1%	-	6 647 358 €−10,8%	7 449 491 €
Turnover	41 080 548 €+17,5%	34 968 684 €+34,3%	26 037 972 €+51,9%	17 138 236 €+688%	2 174 967 €	-
Profit margin	-	-	1,2%	-	-37,8%	-

Financial ratios

	2021	2020
Profit and cash flow
EBITDA	-554 226 €	-
Liquidity
Current ratio	1,6	55,2
Quick ratio	1,6	55,2
Cash ratio	1,1	55,2
Efficiency
Days sales outstanding (dso)	-	-
Asset turnover	-	-
Structure
Debt ratio	0,6	0,0
Profitability
Operating margin	-	-
Net profit margin	-	-
Return on assets (roa)	-7,3%	-
Return on equity (roe)	-12,4%	-

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Licences & notices

No licenses and notices found

Company has no active licenses and business activity notices

Regulations


Ä 50146506 / M2	08.05.2024	Order to remedy annual-report deficiencies	07.06.2024	Deficiencies remedied15.05.2024
Ä 50146506 / 10	05.03.2024	Entry – Amendment entry under NSPA § 595¹ (1)	-	Entered into force05.03.2024
Ä 50146506 / 9	12.12.2023	Entry – Amendment entry	-	Entered into force12.12.2023
Ä 50146506 / 8	03.07.2023	Entry – Amendment entry	-	Entered into force03.07.2023
Ä 50146506 / 7	25.11.2022	Entry – Amendment entry	-	Entered into force25.11.2022

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions


19-1/26-03972-001	Alar Urm	Against the consumer	22.05.2026	PDF
19-1/25-05884-001	Alar Urm	Against the consumer	08.08.2025	PDF
19-1/25-00471-001	Alar Urm	Against the consumer	03.05.2025	PDF
19-1/25-01280-001	Alar Urm	Against the consumer	28.04.2025	PDF
19-1/24-08305-001	Alar Urm	Against the consumer	19.09.2024	PDF

Court decisions


2-24-12353/40	Kohtu I astme menetlus	Court judgment	Law of obligations	Mai Grauberg	ECLI:EE:HMK:2026:2.24.12353.15423	28.08.2026	Open
2-25-114746/14	Kohtu I astme menetlus	Court judgment	Law of obligations	Helina Luksepp	ECLI:EE:HMK:2026:2.25.114746.15337	18.08.2026	Open
2-25-115129/8	Kohtu I astme menetlus	Court judgment	Law of obligations	Helina Luksepp	ECLI:EE:HMK:2026:2.25.115129.11829	18.05.2026	Open
2-25-17407/10	Kohtu I astme menetlus	Court ruling	Other	Ruth Sild	ECLI:EE:PMK:2026:2.25.17407.9873	18.05.2026	Open
2-24-5680/13	145388009	Court ruling	Other, law of obligations	Peeter Pällin, Vallo Kariler, Kairi Piirisild	ECLI:EE:TLRK:2026:2.24.5680.5748	05.05.2026	Open

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions


22.09.2026	Tartu Linnavalitsus	174,60 €Received	OPERATING EXPENSESOther economy, incl. economic administration
14.08.2026	Võru Vallavalitsus	687,83 €Received	OPERATING EXPENSESSchool transport
05.08.2026	OÜ Lääne-Nigula Hooldekodud	471,50 €Received	OPERATING EXPENSESGeneral care service provided outside the home
04.08.2026	Lääne-Nigula Vallavalitsus	6 218,80 €Received	OPERATING EXPENSESMunicipal government
04.08.2026	Lääne-Nigula Vallavalitsus	154,26 €Received	OPERATING EXPENSESGeneral care service provided outside the home

Funded projects

No funded projects found

The company has no projects funded by EU or foreign grants

State aid

No state aid found

The company has not been granted state aid or de minimis aid

Public procurement contracts


29.09.2026End 29.10.2027	Reference number 313465 · Raamle	Ettevõtluse ja Innovatsiooni SihtasutusContracting authority	75 000 €	Concluded
11.09.2026End 11.09.2029	Reference number 311045 · Hankeleping	Põllumajandus- ja ToiduametContracting authority	299 970 €	Concluded
31.08.2026End 31.07.2028	Reference number 312557 · TERVISEKINDLUSTUSE RAAMLEPING	OÜ Rail Baltic EstoniaContracting authority	80 000 €	Concluded
13.07.2026End 18.07.2027	Reference number 311964 · Hankeleping	Lääne-Nigula VallavalitsusContracting authority	10 589,97 €	Concluded
28.04.2026End 30.04.2027	Reference number 307080 · Hankeleping	Riigi Infosüsteemi AmetContracting authority	130 000 €actual 22 800 €	Concluded

.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.