Credory OÜ

Legal form:: Private limited company
Registry code:: 16102889
VAT no.:: EE102725775
Fiscal-year period:: 01.01 - 31.12
Established:: 20.11.2020 (5 y)
Capital:: 30 001 EUR
Address:: Pärnu mnt 12 // Suur-Karja tn 20, Kesklinna linnaosa, Tallinn, Harju maakond, 10148
Status:: Registered

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Contacts

Email:: info@credory.ee

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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 – Provision of other financial services n.e.c., except insurance and pension funding

Industry TOPNo. 12 of 16 companies

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2.SUNDAY MARKETPLACE OÜ20.7M €
3.Creditstar International OÜ5.5M €
4.Osaühing Bonner Holding213k €
5.EURO GROUP FINANCE OÜ100.3k €
6.OÜ Paadu Vara71.9k €
7.SK Portfolio OÜ59.6k €
8.FinanceFlow UÜ47k €
9.Botlobete Tsetselore OÜ31.6k €
10.UniTartu Ventures OÜ30k €

12.Credory OÜ20.8k €

Main activity 64991 · turnover over the last 4 quarters

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VAT liability

VAT no.	Start	End
EE102725775	08.04.2024	-

Annual reports

Aggregate data

Year	Period	Submitted	Status
2025	01.01.2025 – 31.12.2025	18.06.2026	Valid	PDF
2024	01.01.2024 – 31.12.2024	30.06.2025	Valid	PDF
2023	01.01.2023 – 31.12.2023	30.06.2024	Valid	PDF
2022	01.01.2022 – 31.12.2022	04.08.2023	Valid	PDF
2021	20.11.2020 – 31.12.2021	04.07.2022	Valid	PDF

Unsubmitted declarations

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No unsubmitted declarations as of 20.10.2026.

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Tax debt Reports Declarations Court decisions1 Official announcements3 TTJA decisions–Real estate–.ee domains1 Licenses1 Regulations6 Public transactions–Grants–State aid–Public procurement–Holdings in companies–Enforcement proceedings Payment orders

Tax data

Period	State taxes	Labour taxes	Taxable turnover	Employees
2026 Q3	8 705 €	8 093 €	4 187 €−18,1%	1
2026 Q2	8 708 €	7 916 €	5 112 €+42,0%	1
2026 Q1	8 373 €	7 901 €	3 600 €−54,2%	1
Total 2026:	25 786 €	23 910 €	12 899 €
2025 Q4	9 597 €	8 144 €	7 868 €+96,2%	1
2025 Q3	8 623 €	8 136 €	4 011 €−53,9%	1
2025 Q2	9 635 €	8 150 €	8 707 €+388%	1
2025 Q1	8 052 €	8 012 €	1 783 €+11,4%	1
Total 2025:	35 907 €	32 442 €	22 369 €
2024 Q4	9 303 €	9 421 €	1 601 €−72,0%	1
2024 Q3	12 241 €	11 602 €	5 723 €+58,5%	1
2024 Q2	11 236 €	11 036 €	3 611 €	1
2024 Q1	8 867 €	9 276 €	-	1
Total 2024:	41 647 €	41 335 €	10 935 €
2023 Q4	8 867 €	9 276 €	-	1
2023 Q3	6 153 €	6 452 €	-	1
2023 Q2	5 526 €	5 770 €	-	1
2023 Q1	5 039 €	5 247 €	-	1
Total 2023:	25 585 €	26 745 €	0 €
2022 Q4	4 964 €	5 200 €	-	1
2022 Q3	4 964 €	5 200 €	-	1
2022 Q2	4 499 €	4 719 €	-	1
2022 Q1	3 935 €	4 153 €	-	1
Total 2022:	18 362 €	19 272 €	0 €
2021 Q4	4 488,62 €	4 753,84 €	-	1
2021 Q3	3 647,16 €	3 841,56 €	-	2
2021 Q2	1 643,96 €	1 734,76 €	-	1
2021 Q1	930,57 €	975,33 €	-	1
Total 2021:	10 710,31 €	11 305,49 €	0 €
2020 Q4	-	-	-	1
Total 2020:	0 €	0 €	0 €

Revenue by industry

	2021	2022
Provision of other financial services n.e.c., except insurance and pension funding		466 465 €
Activities of holding companies	53 765 €

Tax debts

No tax debt found

No tax debt as of 20.10.2026

Representatives

	Personal ID code
Raido Reiska	38509XXXXXX	23.09.1985 (41)	Board member	20.11.2020	-

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Shareholders

	Personal ID code
Rosewater OÜ	12522778	21.08.2013 (13)	Shareholder	10 000 EUR	33,33%	Sole ownership	30.12.2024	-
Infinitum Assets OÜ	12095313	21.04.2011 (15)	Shareholder	8 440 EUR	28,13%	Sole ownership	28.08.2026	-
OÜ Vigilante	12559333	24.10.2013 (12)	Shareholder	5 300 EUR	17,67%	Sole ownership	22.05.2026	-
KERME Investeeringud OÜ	10894665	11.10.2002 (24)	Shareholder	4 174 EUR	13,91%	Sole ownership	28.11.2025	-
streamline ventures OÜ	16870714	29.11.2023 (2)	Shareholder	2 087 EUR	6,96%	Sole ownership	09.12.2025	-

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Other persons

	Personal ID code
BDO Eesti OÜ	10309827	04.11.1997 (28)	Audit firm	04.06.2025	-
Dag Nurm	38211XXXXXX	20.11.1982 (43)	Founder	20.11.2020	-

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Ultimate beneficial owners

	Personal ID code
Endrik Eller	38411XXXXXX	08.11.1984 (41)	Indirect holding	10.01.2024	-

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Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q3

Turnover

Amount: 4 187 €
Monthly average: 1 396 €
Per employee: 1 396 €
Equity ratio: 4,65%

Labour taxes

Turnover ratio: 193,29%
Tax ratio: 92,97%
Monthly average: 2 698 €
Per employee: 2 698 €

State taxes

Monthly average: 2 902 €
Turnover ratio: 207,91%

Estimated salary

Gross salary: 4 794 €
Net salary: 3 759 €

Aggregate data

	2025	2024	2023	2022	2021
Current assets	6 182 584 €+34,6%	4 592 776 €+2,9%	4 461 518 €+48,0%	3 015 040 €+178%	1 085 342 €
Non-current assets	2 686 065 €+1,6%	2 642 660 €+488%	449 087 €−51,9%	933 029 €+150%	373 869 €
Total assets	8 868 649 €+22,6%	7 235 436 €+47,3%	4 910 605 €+24,4%	3 948 069 €+171%	1 459 211 €
Short-term liabilities	4 352 787 €+3,6%	4 202 310 €+64,0%	2 562 405 €+30,9%	1 957 807 €+34,6%	1 454 933 €
Long-term liabilities	3 591 500 €+69,7%	2 116 750 €+15,5%	1 833 250 €+3,1%	1 778 000 €	-
Total liabilities	7 944 287 €+25,7%	6 319 060 €+43,8%	4 395 655 €+17,7%	3 735 807 €+157%	1 454 933 €
Share or stock capital	-	-	-	-	-
Retained earnings	71 376 €−6,7%	76 467 €+2 981%	-2 654 €+92,6%	-35 722 €−189%	40 000 €
Net profit	7 986 €+257%	-5 091 €−105%	97 604 €+68,3%	57 984 €+262%	-35 722 €
Equity	924 362 €+0,9%	916 376 €+78,0%	514 950 €+143%	212 262 €+4 862%	4 278 €
Turnover	-	-	-	466 465 €+768%	53 765 €
Profit margin	-	-	-	12,4%	-66,4%

Financial ratios

	2022	2021
Profit and cash flow
EBITDA	58 343 €	-
Liquidity
Current ratio	1,5	0,7
Quick ratio	1,5	0,7
Cash ratio	0,1	0,0
Efficiency
Days sales outstanding (dso)	1 476,9	7 135,4
Asset turnover	0,2	0,0
Structure
Debt ratio	0,9	1,0
Profitability
Operating margin	12,4%	-114,6%
Net profit margin	12,4%	-66,4%
Return on assets (roa)	2,1%	-2,4%
Return on equity (roe)	27,3%	-835,0%

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Licences & notices


License	FFA000435	Financial services	Valid	20.12.2021	-

Regulations


Ä 50160373 / M1	17.12.2024	Order to remedy deficiencies – Amendment entry	16.01.2025	Deficiencies remedied17.12.2024
Ä 50160373 / 5	17.12.2024	Entry – Amendment entry	-	Entered into force17.12.2024
Ä 50160373 / 4	27.10.2023	Entry – Amendment entry under NSPA § 595¹ (1)	-	Entered into force27.10.2023
Ä 50160373 / 3	02.12.2020	Entry – Amendment entry	-	Entered into force02.12.2020
Ä 50160373 / 2	25.11.2020	Entry – Amendment entry	-	Entered into force25.11.2020

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


2-24-5215/18	145388009	Court ruling	Enforcement	Indrek Soots, Iris Kangur-Gontšarov, Geidi Sile	ECLI:EE:TLRK:2026:2.24.5215.3423	22.01.2026	Open

Official announcements


Notice of auction of immovable property in enforcement proceedings	07.10.2026	PDF
Notice of auction of immovable property in enforcement proceedings	21.09.2026	PDF
Notice of auction of immovable property in enforcement proceedings	13.10.2025	PDF

Public transactions

No public transactions found

Company has no public transactions

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

No public procurement contracts found

The company has no public procurement contracts

.ee domains


credory.ee	Active	24.11.2020	25.11.2026

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.