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VAT liability

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Unsubmitted declarations

???

Credit rating

Tax data

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Tax debts

Related persons

Holdings in companies

Statistics

Summary of reports

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Real estate

TTJA decisions

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Refinance Capital OÜ

Legal form:

Private limited company

Registry code:

16153881

VAT no.:

Fiscal-year period:

01.01 - 31.12

Established:

04.02.2021 (5)

Capital:

2 500 EUR

Address:

Väike-Paala tn 1-501, Lasnamäe linnaosa, Tallinn, Harju maakond, 11415

Status:

Registered

Contacts

Email:

office.realestateinvest@gmail.com

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

No VAT obligation history found

Company has not been issued any VAT ID number

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	14.07.2025	Valid
2023	01.01.2023 - 31.12.2023	03.09.2024	Valid
2022	01.01.2022 - 31.12.2022	18.02.2024	Valid
2021	04.02.2021 - 31.12.2021	11.08.2022	Valid

Unsubmitted declarations

No unsubmitted declarations found

No unsubmitted declarations as of 04.06.2026.

???

Credit rating

Hidden

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

020406080100

? Risk factors

? Strengths

View summary

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Tax debt

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Unsubmitted reports

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Unsubmitted declarations

Court decisions

Official announcements

TTJA decisions

Real estate

.ee domains

Licenses

Regulations

Public transactions

Holdings in companies

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Enforcement proceedings

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Payment orders

Tax data

	State taxes	Employees
2026 Q1	0 €	1
Kokku 2026:	0 €
2025 Q4	28 €	1
2025 Q3	0 €	1
2025 Q2	0 €	1
2025 Q1	100 €	1
Kokku 2025:	128 €
2024 Q4	50 €	1
2024 Q3	0 €	1
2024 Q2	79 €	1
2024 Q1	0 €	1
Kokku 2024:	129 €
2023 Q4	0 €	1
2023 Q3	0 €	1
2023 Q2	0 €	1
2023 Q1	0 €	1
Kokku 2023:	0 €
2022 Q4	0 €	1
2022 Q3	0 €	1
2022 Q2	0 €	1
2022 Q1	0 €	1
Kokku 2022:	0 €
2021 Q4	0 €	1
2021 Q3	0 €	1
2021 Q2	0 €	1
Kokku 2021:	0 €

Revenue by industry

	2022	2023	2024
Provision of other financial services n.e.c., except insurance and pension funding	100 000 €	99 898 €	558 976 €

Tax debts

No tax debt found

No tax debt as of 04.06.2026

Representatives

Name	Personal ID code	Date of birth	Role	Start	End
Galina Ustinova	48912XXXXXX	24.12.1989 (36)	Board member	04.02.2021	-

1 - 1 / 1 rows

Shareholders

Name	Personal ID code	Date of birth	Role	Share	%	Type	Start	End
Galina Ustinova	48912XXXXXX	24.12.1989 (36)	Shareholder	1 250,00 EUR	50	Sole ownership	02.09.2023	-
Lina Mirassova	48902XXXXXX	13.02.1989 (37)	Shareholder	1 250,00 EUR	50	Sole ownership	02.09.2023	-

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

1 - 2 / 2 rows

Other persons

Name	Personal ID code	Date of birth	Role	Start	End
Galina Ustinova	48912XXXXXX	24.12.1989 (36)	Founder	03.02.2021	-

1 - 1 / 1 rows

Ultimate beneficial owners

Name	Personal ID code	Date of birth	Role	Start	End
Lina Mirassova	48902XXXXXX	13.02.1989 (37)	Direct holding	11.08.2022	-
Galina Ustinova	48912XXXXXX	24.12.1989 (36)	Direct holding	04.02.2021	-

1 - 2 / 2 rows

Holdings in companies

No holdings in companies found

Company has no holdings in other companies

2026 Q1

Turnover

Amount

0 €

Monthly average

0 €

Per employee

0 €

Equity ratio

Labour taxes

Turnover ratio

0,00%

Tax ratio

0,00%

Monthly average

0 €

Per employee

0 €

State taxes

Monthly average

0 €

Turnover ratio

0,00%

Estimated salary

Gross salary

0 €

Net salary

0 €

Aggregate data

	2024	2023	2022	2021
Current assets	343 650 €77.7%	1 539 472 €9 927.2%	15 353 €73.9%	58 781 €
Non-current assets	-	30 971 €79.2%	148 863 €	-
Total assets	343 650 €78.1%	1 570 443 €856.3%	164 216 €179.4%	58 781 €
Short-term liabilities	227 725 €84.1%	1 434 845 €1 750.7%	77 530 €38.2%	56 096 €
Long-term liabilities	-	-	-	-
Total liabilities	227 725 €84.1%	1 434 845 €1 750.7%	77 530 €38.2%	56 096 €
Share or stock capital	2 500 €	2 500 €	2 500 €	2 500 €
Retained earnings	133 098 €58.1%	84 186 €45 405.9%	185 €	-
Net profit	-19 673 €140.2%	48 912 €41.8%	84 001 €45 305.9%	185 €
Equity	115 925 €14.5%	135 598 €56.4%	86 686 €3 128.5%	2 685 €
Turnover	558 976 €459.5%	99 898 €0.1%	100 000 €	-
Profit margin	-3.52%107.2%	48.96%41.7%	84.00%	0.00%

Financial ratios

	2024	2023	2022	2021
Profit and cash flow
EBITDA	-	-	-	-
Liquidity
Current ratio	Y.N	H.S	M.W	1.0
Quick ratio	E.P	Z.M	D.U	1.0
Cash ratio	W.M	G.G	B.L	0.0
Efficiency
Days sales outstanding (dso)	WTZ.M	Z CGD.H	GYK.I	-
Asset turnover	E.N	R.M	Q.N	-
Structure
Debt ratio	L.P	B.H	I.X	1.0
Profitability
Operating margin	-P.P%	ZW.T%	UU.D%	-
Net profit margin	-O.J%	WH.W%	DV.M%	-
Return on assets (roa)	-Z.R%	J.D%	SD.P%	0.3%
Return on equity (roe)	-XV.G%	LG.B%	BY.B%	6.9%

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Licences & notices

Type	Number	Field	Status	Start	End
License	FFA000436	Financial services > Operating as a financing institution	Valid	11.01.2022	-

1 - 1 / 1 rows

Regulations

Regulation no.	Date	Type	Deadline	Status
Ä 50165859 / M4	22.08.2024	Reporting-fine order	11.09.2024	Entered into force (12.09.2024)
Ä 50165859 / M3	17.07.2024	Fine-warning order – annual report not filed	16.08.2024	Entered into force (17.07.2024)
Ä 50165859 / M2	31.01.2024	Reporting-fine order	02.03.2024	Deficiencies remedied (04.03.2024)
Ä 50165859 / M1	18.12.2023	Fine-warning order – annual report not filed	17.01.2024	Deficiencies remedied (04.03.2024)
Ä 50165859 / 3	02.09.2023	Entry - Amendment entry		Entered into force (02.09.2023)

1 - 5 / 7 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 auction of immovable property in enforcement proceedings	02.09.2025
Notice of auction of immovable property in enforcement proceedings	28.07.2025

1 - 2 / 2 rows

Public transactions

No public transactions found

Company has no public transactions

.ee domains

Domain	Status	Registered	Expires	End
1finpartner.ee	Active	18.02.2024	19.02.2027	-

1 - 1 / 1 rows

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