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Elama Kindlustus AS

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RegisteredHarju County
Registry code
10089395
VAT number
EE101373209
Address
Harju maakond, Tallinn, Kesklinna linnaosa, Liivalaia tn 45, 10145
Registered
29.10.1996 · 29 yrs
Activity
Non-life insurance 65121
Capital
4 012 392 €
Email
e•••@e•••.eeLog in to see
Phone
+372 •• ••••Log in to see
Website
https://elama.ee
LEI
5299009CEFOJNUSUBR38 ISSUED
Business Register 05.10.2026
Sales revenue9,4 m €+34%2025 annual report
Employees32Tax Board 2026 Q2
Average gross salary4 521 €estimate, Tax Board 2026 Q2
Labour taxes per quarter221 k €Tax Board 2026 Q2
Tax debt0 €Tax Board debtor list 05.10.2026
Revenue 12 months405 k €-19%Tax Board, last 4 quarters
State taxes 12 months875 k €Tax Board, last 4 quarters
Tax debt since 26.09.2026 · ✓ no debt
Details ↓
Turnover by quarter · latest 151 tuh €
95 k157 k143 k102 k69 k101 k83 k151 k
III 24IV 24I 25II 25III 25IV 25I 26II 26
Chart ↓
Firmo rating
A
Good, low risk
78 / 100 points
CBBBBBBAAAAAA
View credit reportReport a debtHow the rating is calculatedCalculated 05.10.2026 · open data
Quick check
  • No tax debt
  • No enforcement proceedings (12 months)
  • No payment orders (12 months)
  • No bankruptcy or liquidation
  • No sanctions
  • Report filed (2025)
  • VAT registered
Stability
RatingAA → BB → A
In tax debt0 days since 26.09.2026
Revenue 12 months▼ 19% vs a year earlier
Notification when something changes
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Data

Board and owners

3 persons
Number of active companies, tax debt and bankruptcy. Facts, not an assessment.
Board 2
Jaanus Seppa1 companyno tax debtPersonal ID ↗01.04.2024
Tanel Kurs4 companiesno tax debtPersonal ID ↗01.04.2024
Other persons 1
Nasdaq CSD SE1983 companies155 with tax debt40 bankruptShare register keeperPersonal ID ↗28.09.2017
Beneficial owners 2
Jaanus Seppa1 companyno tax debtmember of the senior management body, i.e. management or supervisory board member26.04.2024
Tanel Kurs4 companiesno tax debtmember of the senior management body, i.e. management or supervisory board member26.04.2024

Business Register open data

Quarterly taxes and revenue

2026 Q2
State taxes / revenue159,1%
Labour taxes / revenue146,1%
Revenue per employee per month1 578 €
Gross salary (estimate)4 521 €
Net salary (estimate)3 553 €

2026 Q2. Wage is estimated from employment taxes.

Build report

QuarterRevenueChange y/yLabour taxesState taxesEmployees
2026 Q2151 473 €▲ 49%221 341 €241 048 €32
2026 Q182 656 €▼ 42%227 541 €230 406 €32
2025 Q4101 163 €▼ 35%191 675 €202 216 €31
2025 Q369 259 €▼ 27%200 565 €201 739 €29
2025 Q2101 795 €▼ 2%203 222 €209 574 €29
2025 Q1143 123 €▲ 2134%164 664 €187 397 €26
2024 Q4156 610 €▲ 777%148 345 €176 097 €24
2024 Q395 238 €▲ 755%134 026 €148 373 €24
2024 Q2103 827 €▲ 664%101 262 €120 341 €22
2024 Q16 408 €▼ 43%150 663 €144 336 €21
2023 Q417 857 €▲ 251%130 969 €128 023 €19
2023 Q311 134 €▲ 272%98 725 €96 156 €19
Show full history (18 quarters)
2023 Q213 589 €▲ 526%96 837 €94 901 €18
2023 Q111 296 €▲ 574%103 406 €101 288 €18
2022 Q45 082 €97 130 €93 914 €18
2022 Q32 991 €103 251 €99 550 €17
2022 Q22 171 €72 699 €70 116 €18
2022 Q11 677 €74 373 €72 317 €19

Tax and Customs Board, published on the 10th of the month following the quarter. State taxes include employment taxes. CC BY-SA 3.0

Annual reports

5 yr
Build report

20252024202320222021
Sales revenue9,4 m €▲ 34%7,0 m €▼ 9%7,7 m €▼ 2%7,8 m €▲ 72%4,5 m €
Profit—696 k €———
Profit margin—9,9%———
Retained earnings—0 €———
Cash—2,0 m €———
Current assets—20,6 m €———
Fixed assets—755 k €———
Assets21,1 m €▼ 1%21,3 m €▲ 11%19,3 m €▼ 13%22,1 m €▲ 11%19,9 m €
Equity—6,0 m €———
Employees33▲ 14%29▲ 53%19▼ 5%200%20
Filed18.06.202630.05.202503.07.202403.07.202330.06.2022
ReportPDF ↓PDF ↓PDF ↓PDF ↓PDF ↓

▲ growth, ▼ decline compared to the previous year (growth in liabilities is red). Business Register, annual reports. CC BY 4.0

Revenue by activity

2025
ActivityEMTAKSales revenueOsa
Non-life insurance main activity651219 386 926 €100%

2025 annual report, RIK open data

Real estate

e-kinnistusraamat

Loading properties…

Source: e-kinnistusraamat (Centre of Registers and Information Systems), basic data

Debts and court cases

clean
No tax debt · Tax Board 05.10.2026

Tax Board debtor list (daily), Official Announcements, State Gazette. The Tax Board publishes only today's list; earlier history is collected by Firmo.

Enforcement, payment orders and notices

clean

Official Announcements contain no enforcement, payment order or tax authority notices about the company.

Official Announcements (CC BY-SA 4.0). Enforcement proceedings, payment orders or tax decisions are published there only if they cannot be delivered to the company otherwise. The enforcement register is not public, so the absence of a notice does not mean there are no claims.

State: transactions, tenders, grants

103 tuh € makseid · 7 tenders

Transactions with state institutions

2026101 k €
2025113 €
20242 032 €
2023453 €

Largest payers

SA Põhja-Eesti Regionaalhaigla88 958 €
Eesti Maaülikool7 303 €
Eesti Rahvusringhääling2 457 €
Tervisekassa1 929 €
Võru Vallavalitsus1 846 €
All payments by month
MonthPayerTypeFieldAmount
08.2026SA Põhja-Eesti RegionaalhaiglaOperating costsSpecialised hospital services88 958 €
08.2026SA Põhja-Eesti RegionaalhaiglaOther operating expensesSpecialised hospital services0 €
07.2026Eesti RahvusringhäälingOperating costsBroadcasting and publishing services118 €
04.2026Eesti RahvusringhäälingOperating costsBroadcasting and publishing services118 €
03.2026Eesti MaaülikoolOperating costsTertiary education6 567 €
03.2026Võru VallavalitsusOperating costsSchool transport1 846 €
02.2026Eesti MaaülikoolOperating costsTertiary education736 €
01.2026Eesti RahvusringhäälingOperating costsBroadcasting and publishing services2 221 €
09.2025SA Viljandi MuuseumOperating costsMuseums113 €
12.2024Väike-Maarja VallavalitsusOperating costsOther social protection of the elderly103 €
08.2024TervisekassaSotsiaaltoetusedOther health care, incl. administration1 929 €
12.2023Astangu Kutserehabilitatsiooni KeskusOperating costsOther social protection of disabled persons104 €
11.2023Narva Spordikool EnergiaOperating costsSport183 €
01.2023RavimiametOperating costsOther health care, incl. administration166 €

Riigi Tugiteenuste Keskus, Saldo makseandmikud

Public procurement contracts

DateContracting authorityTenderAmount
16.08.2026Politsei- ja PiirivalveametRaamleping_Salva Kindlustuse AS1 600 000 €
21.07.2026sihtasutus Põhja-Eesti RegionaalhaiglaHiiumaa Haigla-Osa 118 548 €
20.02.2026Võru VallavalitsusPoliisid kaskokindlustus6 669 €
23.01.2026Aktsiaselts MetrosertLiikluskindlustus 775YKD145 €
23.01.2026Aktsiaselts MetrosertKasko 802TNY458 €
12.12.2025Eesti RahvusringhäälingOsa 5 Sõidukite liikluskindlustusteenuse osutamine4 154 €
26.08.2025Aktsiaselts Tallinna LinnatransportRaamleping 5-18085-1 25.08.202538 491 €

Public Procurement Register

Holdings in other companies

0

No holdings in other companies

Companies linked via the board

60
AS AlexelaNasdaq CSD SE555,0 m €BBEricsson Eesti AktsiaseltsNasdaq CSD SE416,6 m €AAAS SEB PankNasdaq CSD SE405,8 m €AAAktsiaselts METAPRINTNasdaq CSD SE85,8 m €AAAAS HANZA Mechanics TartuNasdaq CSD SE81,5 m €AAAERGO Insurance SENasdaq CSD SE80,6 m €AAAElke Tallinn ASNasdaq CSD SE62,0 m €AAAaktsiaselts ESTIKO - PLASTARNasdaq CSD SE48,2 m €AAAStockmann AktsiaseltsNasdaq CSD SE42,3 m €AAaktsiaselts PINUSNasdaq CSD SE29,6 m €AAAAktsiaselts BalbiinoNasdaq CSD SE29,5 m €AAAAktsiaselts Magnum VeterinaariaNasdaq CSD SE28,6 m €BBAktsiaselts KROONINGNasdaq CSD SE27,1 m €BInterchemie Werken De Adelaar Eesti aktsiaseltsNasdaq CSD SE25,5 m €BBBSchneider Electric Eesti ASNasdaq CSD SE24,9 m €BAktsiaselts TopautoNasdaq CSD SE21,6 m €AAAktsiaselts Lincona KonsultNasdaq CSD SE19,2 m €AAAAS All Media EestiNasdaq CSD SE17,2 m €AAAktsiaselts PAFERNasdaq CSD SE15,1 m €AAABaltyre Eesti ASNasdaq CSD SE14,8 m €AAAaktsiaselts PristisNasdaq CSD SE13,5 m €AAAAktsiaselts Viru ElektrikaubandusNasdaq CSD SE10,6 m €AAAktsiaselts STANDARDNasdaq CSD SE10,6 m €AAS Eesti LeivatööstusNasdaq CSD SE10,3 m €Aaktsiaselts LTTNasdaq CSD SE10,2 m €AAAMotoral Eesti AktsiaseltsNasdaq CSD SE8,6 m €AAktsiaselts Silmani ElekterNasdaq CSD SE8,0 m €Aaktsiaselts HALS TRADING - TNasdaq CSD SE6,8 m €Aaktsiaselts "Rauameister"Nasdaq CSD SE6,8 m €AAAktsiaselts "Erimell"Nasdaq CSD SE6,4 m €AAAAktsiaselts Taastusravikeskus ViikingNasdaq CSD SE5,8 m €AAAAktsiaselts Loo ElekterNasdaq CSD SE5,5 m €AAAaktsiaselts IKODORNasdaq CSD SE4,9 m €AAAktsiaselts ANTAARESNasdaq CSD SE4,7 m €AACaverion Eesti ASNasdaq CSD SE4,6 m €AAktsiaselts Kiviõli KaubahoovNasdaq CSD SE4,4 m €AAAktsiaselts Metsaküla PiimNasdaq CSD SE3,9 m €AAAaktsiaselts VÕRU VESINasdaq CSD SE3,4 m €AAAaktsiaselts TAUF-AUTONasdaq CSD SE2,9 m €AAAaktsiaselts CISTANasdaq CSD SE2,6 m €AAAPRIMULATOR EESTI AktsiaseltsNasdaq CSD SE2,2 m €AAARTT AktsiaseltsNasdaq CSD SE2,1 m €AAAAS Remedium Kalamaja ApteekNasdaq CSD SE1,7 m €AAaktsiaselts ESTIKONasdaq CSD SE1,6 m €AAAAktsiaselts Ekspress GruppNasdaq CSD SE1,4 m €AALEKON PROPERTY ASNasdaq CSD SE1,2 m €AAAAktsiaselts FotoluksNasdaq CSD SE1,1 m €BBBAktsiaselts LAVEXNasdaq CSD SE692 k €CAktsiaselts Peipsi KalameesNasdaq CSD SE498 k €AAAktsiaselts MihkliNasdaq CSD SE475 k €AAAS Tolaram InvestmentsNasdaq CSD SE380 k €AAAktsiaselts Projekt ENasdaq CSD SE198 k €AAAktsiaselts YearNasdaq CSD SE132 k €CRaisio Eesti AktsiaseltsNasdaq CSD SE120 k €ADeden-Invest AktsiaseltsNasdaq CSD SE51 638 €AKatus ASNasdaq CSD SE13 588 €Aaktsiaselts FaabulaNasdaq CSD SE0 €BBBAktsiaselts TalveaedNasdaq CSD SE · Likvideerimisel0 €CAktsiaselts SpratfilNasdaq CSD SE · Bankrupt0 €CAktsiaselts RoolidNasdaq CSD SE0 €

Sorted by revenue (latest report or 4 quarters).

Top 20 in activity: Non-life insurance

18
#CompanyRevenue
1If P&C Insurance AS250,6 m €
2Swedbank P&C Insurance AS232,5 m €
3ERGO Insurance SE80,6 m €
4AS LHV Kindlustus41,1 m €
5Salva Kindlustuse AS31,4 m €
6Elama Kindlustus AS9,4 m €
7mittetulundusühing Eesti Liikluskindlustuse Fond6,2 m €
8AB “Lietuvos draudimas“ Eesti filiaal3,1 m €
9Aktsiaselts KredEx Krediidikindlustus1,7 m €
10Compensa Vienna Insurance Group, ADB Eesti filiaal1,5 m €
11Coop Kindlustusmaakler AS977 k €
12Fix Kindlustusmaakler OÜ808 k €
13EASY ASSISTANCE ESTONIA OÜ430 k €
14Akciné draudimo bendrové "Gjensidige " Eesti filiaal384 k €
15Balcia Insurance SE Eesti filiaal274 k €
16Aleks Kindlustus OÜ20 322 €
17Novell Reisibüroo OÜ2 246 €
18osaühing Unix-V81 €

Revenue from the latest annual report, otherwise Tax Board revenue for 4 quarters. All companies in this activity

Domains

1 records

Domains

DomainSource
elama.eeBusiness Register

History and notices

40
DateTypeContent
01.11.2024EntryAmendment entry
22.10.2024Kindlal kuupäeval kande tegemineAmendment entry
22.10.2024Ärinime broneeringu kinnitamise määrus
27.09.2024EntryAmendment entry
26.09.2024Order to remedy deficienciesAmendment entry
13.08.2024EntryAmendment entry
28.06.2024Majandusaasta aruande puuduste kõrvaldamise määrus
20.06.2024EntryMuutmiskanne TsMS § 595¹ lg 1 alusel
01.04.2024EntryAmendment entry
08.03.2024Eitav kandemäärusAmendment entry
26.02.2024Eitav kandemäärusAmendment entry
21.09.2023EntryAmendment entry
11.09.2023Order to remedy deficienciesAmendment entry
20.12.2022EntryAmendment entry
29.11.2022Negative entry order: deficiencies not remediedAmendment entry
26.10.2022Order to remedy deficienciesAmendment entry
30.05.2022EntryAmendment entry
16.05.2022EntryAmendment entry
13.05.2022Order to remedy deficienciesAmendment entry
11.05.2022Order to remedy deficienciesAmendment entry
04.03.2022EntryAmendment entry
03.03.2022EntryAmendment entry
28.02.2022Order to remedy deficienciesAmendment entry
16.02.2022EntryAmendment entry
15.10.2020Order to remedy deficiencies
06.09.2019EntryAmendment entry
02.09.2019Order to remedy deficienciesAmendment entry
16.01.2018EntryAmendment entry
07.11.2017EntryAmendment entry
09.10.2017EntryAmendment entry
28.09.2017EntryAmendment entry
16.09.2016EntryAmendment entry
01.06.2016Order to remedy deficiencies to correct non-entry data
05.06.2013Order to remedy deficiencies to correct non-entry data
03.12.2008Tegevusalade kustutamine registrikaardiltAmendment entry
21.06.2007EntryAmendment entry
04.04.2007EntryAmendment entry
11.11.2005Jaatav kandeotsusAmendment entry
10.10.2005Kättetoimetatav puuduste kõrvaldamise määrusAmendment entry
30.09.2002Kandeotsus ex officioMärkus