Osaühing Credit ExpertRegistered
Key figures
Ratios
2024/25Balance sheet structure
Quarterly figures
| Quarter | Revenue | Number of employees | Labour taxes |
|---|---|---|---|
| Q3 2026 | 7455 € | 1 | 877 € |
| Q2 2026 | 4141 € | 1 | 877 € |
| Q1 2026 | 3761 € | 1 | 855 € |
| Q4 2025 | 6225 € | 1 | 812 € |
| Q3 2025 | 2072 € | 1 | 1082 € |
| Q2 2025 | 2505 € | 1 | 1624 € |
| Q1 2025 | 3009 € | 2 | 1561 € |
Source: Tax Board open data — based on VAT returns, may not exactly match revenue in the annual report. Updated quarterly.
Dividends
calculatedNo dividends were distributed.
Previous year's retained earnings + previous year's profit − current retained earnings.
Summary of financial statements2019–2024
| 2019/20 | 2020/21 | 2021/22 | 2022/23 | 2023/24 | 2024/25 | |
|---|---|---|---|---|---|---|
| Balance sheet — assets | ||||||
| Total current assets | 154 501 | 78 642 | 28 399 | 12 781 | 8303 | 7134 |
| Total non-current assets | 14 602 | 10 407 | 6439 | 2772 | 0 | — |
| Total assets | 169 103 | 89 049 | 34 838 | 15 553 | 8303 | 7134 |
| Balance sheet — liabilities and equity | ||||||
| Current liabilities | 2132 | 3428 | 2592 | 7171 | 18 853 | 32 711 |
| Non-current liabilities | — | — | — | — | — | — |
| Total liabilities | 2132 | 3428 | 2592 | 7171 | 18 853 | 32 711 |
| Share capital | 2568 | 2568 | 2568 | 2568 | 2568 | 2568 |
| Retained earnings of previous periods | 212 939 | 120 190 | 71 592 | 26 819 | 2955 | −15 976 |
| Profit for the year | −51 395 | −39 996 | −44 773 | −23 864 | −18 932 | −15 028 |
| Reserves and other equity | 2859 | 2859 | 2859 | 2859 | 2859 | 2859 |
| Total equity | 166 971 | 85 621 | 32 246 | 8382 | −10 550 | −25 577 |
| Income statement | ||||||
| Sales revenue | 81 856 | 69 660 | 28 114 | 30 346 | 14 171 | 10 709 |
| Operating profit | −19 287 | −31 359 | −43 378 | −24 553 | −18 932 | −15 028 |
| EBITDA | −17 547 | −27 164 | −39 410 | −20 886 | −16 160 | −15 028 |
| Profit before income tax | −19 142 | −31 345 | −43 373 | −23 864 | −18 932 | −15 028 |
| Profit for the reporting year | −51 395 | −39 996 | −44 773 | −23 864 | −18 932 | −15 028 |
| Labour costs | 30 506 | 30 506 | 25 823 | 20 170 | 14 078 | 5910 |
| Depreciation of non-current assets | 1740 | 4195 | 3968 | 3667 | 2772 | 0 |
| Other indicators | ||||||
| Employees | 2 | 2 | 2 | 2 | 2 | 0 |
| Calculated dividend | — | 41 354 | 8602 | 0 | 0 | 0 |
A dash (—) means the report has not been filed or the line is not reported; 0 is a zero stated in the report.
Risks and obligations1 issue4 clear
Data from public registers, not a credit rating.
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Annual reportsPDF, XBRL
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Source: e-Business Register (RIK). Files open/download directly from the official register.
Summary: Osaühing Credit Expert
Overview
Osaühing Credit Expert (registry code 11035059) is a private limited company (OÜ). The company was entered in the Commercial Register in 2004 and has been registered for 22 years. Registered location: Kesklinna linnaosa, Tallinn, Harju maakond. According to the latest annual report, the main activity is other legal activities (EMTAK 69109). The company is registered for VAT (VAT number EE100907935).
Financial results
Revenue in financial year 2024/25 was 10 709 €, down 24,4% on the previous year (14 171 €). From 2019/20 to 2024/25, revenue declined by an average of 33,4% per year. This is the company's lowest revenue among the published years (2019/20–2024/25). Financial year 2024/25 ended with a loss of 15 028 €. The company made a loss in all 6 published financial years. According to the report, the company had no employees in financial year 2024/25.
Latest quarterly figures
According to the Tax and Customs Board, turnover in Q3 2026 was 7455 €, up 260% on the same quarter a year earlier. The company had 1 employees in that quarter. Labour taxes paid in the quarter: 877 €. Based on labour taxes, the estimated average gross salary in Q3 2026 was about 710 € per month.
Management and owners
The management board has 2 members. According to the register, the company has 2 owners. The largest stake (50%) is held by a private individual.
Points to note
The annual report for financial year 2025 has not been filed on time. Equity was negative at the end of financial year 2024/25 (−25 577 €). Equity is below half of the share capital (2568 €); in this case the Commercial Code requires measures to restore equity.
Data sources and freshness
Register data (name, address, legal form, management board and owners) come from the Commercial Register of the Centre of Registers and Information Systems (RIK); changes are read from RIK every night. Financial figures come from annual reports; the latest report (financial year 2024/25) was filed on 12.01.2026. Quarterly turnover, employee numbers and labour taxes come from the open data of the Tax and Customs Board (EMTA); latest quarter Q3 2026. Changes, averages and ratios are calculated by entity.ee from open data and are not an official assessment.