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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)

Capital:

8 000 000 EUR

Address:

Tartu mnt 2, Kesklinna linnaosa, Tallinn, Harju maakond, 10145

Status:

Registered

Contacts

Email:

kindlustus@lhv.ee

Industries

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

VAT liability

	Start	End
EE100530247	01.05.2026
EE102346756	01.07.2024	30.04.2026
EE102346756	05.03.2021	30.06.2024
Aktsiaselts LHV Varahaldus
AS LHV Finance
AS LHV Group
AS LHV Kindlustus
AS LHV Pank

Annual reports

Aggregate data

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

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 05.06.2026.

???

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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106

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Tax data

	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q1	462 107 €	420 303 €	222 068 €30.4%	65
Kokku 2026:	462 107 €	420 303 €	222 068 €
2025 Q4	401 914 €	385 683 €	170 293 €31.8%	56
2025 Q3	403 837 €	405 527 €	129 189 €16.0%	54
2025 Q2	390 138 €	383 033 €	153 876 €12.3%	56
2025 Q1	408 730 €	392 182 €	175 479 €56.3%	56
Kokku 2025:	1 604 619 €	1 566 425 €	628 837 €80.6%
2024 Q4	350 675 €	344 837 €	112 258 €12.1%	59
2024 Q3	343 852 €	343 458 €	100 153 €137.4%	59
2024 Q2	321 292 €	332 251 €	42 188 €54.9%	60
2024 Q1	324 943 €	320 899 €	93 524 €7.0%	58
Kokku 2024:	1 340 762 €	1 341 445 €	348 123 €15.3%
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%	46
2023 Q1	247 284 €	246 381 €	56 391 €40.3%	40
Kokku 2023:	1 059 136 €	1 055 643 €	301 968 €179.5%
2022 Q4	204 659 €	206 150 €	40 200 €13.0%	39
2022 Q3	175 437 €	178 769 €	35 590 €66.7%	32
2022 Q2	163 453 €	168 833 €	21 352 €96.2%	32
2022 Q1	151 901 €	156 910 €	10 882 €96.6%	29
Kokku 2022:	695 449 €	710 661 €	108 024 €1 283.5%
2021 Q4	137 160 €	144 226 €	5 535 €147.1%	29
2021 Q3	126 968 €	135 044 €	2 240 €6 674.7%	24
2021 Q2	95 907 €	102 183 €	33 €	24
2021 Q1	73 826 €	77 631 €	0 €	18
Kokku 2021:	433 861 €	459 084 €	7 808 €
2020 Q4	63 695 €	67 011 €	0 €	13
2020 Q3	24 238 €	25 619 €	0 €	6
2020 Q2	14 647 €	15 447 €	0 €	3
Kokku 2020:	102 581 €	108 077 €	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 05.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Taavi Lehemaa	39310XXXXXX	16.10.1993 (32)	Board member	12.12.2023	-
Martti-Sten Merilai	38010XXXXXX	05.10.1980 (45)	Board member	25.11.2022	-

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

1 - 2 / 2 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
AS LHV Group	-	21.01.2005 (21)	Shareholder	5 200 000,00 EUR	65	Sole ownership	16.08.2023	-
Toveko Invest OÜ	-	16.01.2013 (13)	Shareholder	2 800 000,00 EUR	35	Sole ownership	16.08.2023	-

1 - 2 / 2 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
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	-	-	Audit firm	04.03.2024	-

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

1 - 5 / 7 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Mihkel Torim	38101XXXXXX	25.01.1981 (45)	Member of higher governing body (board or supervisory board)	19.09.2025	-

1 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

222 068 €

Monthly average

74 023 €

Per employee

1 139 €

Equity ratio

0,93%

Labour taxes

Turnover ratio

189,27%

Tax ratio

90,95%

Monthly average

140 101 €

Per employee

2 316 €

State taxes

Monthly average

154 036 €

Turnover ratio

208,09%

Estimated salary

Gross salary

4 141 €

Net salary

3 225 €

Aggregate data

	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 €556.7%	232 991 €
Total assets	28 625 036 €10.5%	25 911 964 €18.7%	21 824 460 €27.0%	29 892 298 €101.2%	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	-	-	-3 057 888 €477.3%	-	-529 676 €	-
Net profit	-	-	304 690 €137.0%	-	-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 €688.0%	2 174 967 €	-
Profit margin	0.00%	0.00%	1.17%103.1%	0.00%	-37.84%	0.00%

Financial ratios

	2023	2021	2020
Profit and cash flow
EBITDA	-	-554 226	-
Liquidity
Current ratio	-	-	-
Quick ratio	-	-	-
Cash ratio	-	-	-
Efficiency
Days sales outstanding (dso)	-	-	-
Asset turnover	-	-	-
Structure
Debt ratio	X.P	M.Z	J.T
Profitability
Operating margin	-	-	-
Net profit margin	-	-	-
Return on assets (roa)	M.Z%	-Q.L%	Y.L%
Return on equity (roe)	I.W%	-PU.I%	T.S%

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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	Deadline	Status
Ä 50146506 / M2	08.05.2024	Order to remedy annual-report deficiencies	07.06.2024	Deficiencies remedied (15.05.2024)
Ä 50146506 / 10	05.03.2024	Entry - Amendment entry under NSPA § 595¹ (1)		Entered into force (05.03.2024)
Ä 50146506 / 9	12.12.2023	Entry - Amendment entry		Entered into force (12.12.2023)
Ä 50146506 / 8	03.07.2023	Entry - Amendment entry		Entered into force (03.07.2023)
Ä 50146506 / 7	25.11.2022	Entry - Amendment entry		Entered into force (25.11.2022)

1 - 5 / 12 rows

Real estate

No real estate found

Company has no real estate

Consumer Disputes Committee decisions

Document no.	Composition	Decision	Date
19-1/26-03972-001	Alar Urm	Against the consumer	22.05.2026
19-1/25-05884-001	Alar Urm	Against the consumer	08.08.2025
19-1/25-00471-001	Alar Urm	Against the consumer	03.05.2025
19-1/25-01280-001	Alar Urm	Against the consumer	28.04.2025
19-1/24-08305-001	Alar Urm	Against the consumer	19.09.2024

1 - 5 / 8 rows

Court decisions

Case number	Procedure type	Judgment type	Category	Judges	ECLI	Date	Participants
2-24-5680/13						05.05.2026
2-25-126687/6						18.03.2026
2-24-7335/42						12.03.2026
2-25-19420/4						30.01.2026
2-24-2756/11						29.01.2026

1 - 5 / 35 rows

Official announcements

No official announcements found

Company has no issued official announcements

Public transactions

Date	Party	Amount	Classification
04.03.2026	Võru Vallavalitsus	137.42 € Received	OPERATING EXPENSES Other education, incl. education administration
04.03.2026	Võru Vallavalitsus	249.06 € Received	OPERATING EXPENSES Folk culture
04.03.2026	Võru Vallavalitsus	935.02 € Received	OPERATING EXPENSES Home service for the elderly
04.03.2026	Võru Vallavalitsus	505.50 € Received	OPERATING EXPENSES Other social protection, incl. administration
04.03.2026	Võru Vallavalitsus	1 072.11 € Received	OPERATING EXPENSES Road transport

AS LHV Kindlustus

Contacts

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Regulations

Real estate

No real estate found

Consumer Disputes Committee decisions

Consumer Disputes Committee decisions

Court decisions

Court decisions

Official announcements

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Public transactions

Public transactions

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Enforcement proceedings

No enforcement proceedings found

Payment orders

No payment orders found