CREDITREFORM EESTI OÜ
- Registry code
- 10887820
- VAT number
- EE100783272
- Address
- Harju maakond, Tallinn, Mustamäe linnaosa, Laki tn 25, 12915
- Registered
- 21.08.2002 · 24 yrs
- Activity
- Activities of collection agencies and credit bureaus 82911
- Capital
- 6 400 €
- i•••@c•••.eeLog in to see
- Phone
- +372 •• ••••Log in to see
- Website
- http://creditreform.ee
Business Register 05.10.2026
Sales revenue222 k €+5%2025 annual report
Profit-4 322 €2025 annual report
Employees6Tax Board 2026 Q2
Average gross salary2 113 €estimate, Tax Board 2026 Q2
Labour taxes per quarter19 400 €Tax Board 2026 Q2
Cash32 746 €Cash 31.12.2025, annual report
Tax debt0 €Tax Board debtor list 05.10.2026
Revenue 12 months99 252 €+35%Tax Board, last 4 quarters
State taxes 12 months95 860 €Tax Board, last 4 quarters
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
Follow companyNotification when something changesRatingA → AA → BBB → A
In tax debt0 days since 26.09.2026
Revenue 12 months▲ 35% vs a year earlier
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Board and owners
1 persons
| Board 1 | ||
|---|---|---|
| Alar Jäger3 companiesno tax debt | Personal ID ↗ | 18.02.2019 |
| Shareholders 1 | ||
| Osaühing BKI Infosüsteemid | 100,0% 6 400 € | 29.06.2026 |
| Beneficial owners 1 | ||
| Alar Jäger3 companiesno tax debtkaudne osalus | 01.11.2018 | |
Business Register open data
Quarterly taxes and revenue
2026 Q2
State taxes / revenue83,4%
Labour taxes / revenue68,2%
Revenue per employee per month1 581 €
Gross salary (estimate)2 113 €
Net salary (estimate)1 743 €
2026 Q2. Wage is estimated from employment taxes.
| Quarter | Revenue | Change y/y | Labour taxes | State taxes | Employees |
|---|---|---|---|---|---|
| 2026 Q2 | 28 461 € | ▲ 5% | 19 400 € | 23 747 € | 6 |
| 2026 Q1 | 22 545 € | ▲ 90% | 19 267 € | 22 892 € | 6 |
| 2025 Q4 | 21 642 € | ▲ 24% | 20 754 € | 24 313 € | 6 |
| 2025 Q3 | 26 604 € | ▲ 57% | 20 980 € | 24 908 € | 6 |
| 2025 Q2 | 27 116 € | ▲ 6% | 20 046 € | 24 865 € | 6 |
| 2025 Q1 | 11 868 € | ▼ 50% | 19 799 € | 21 617 € | 6 |
| 2024 Q4 | 17 435 € | ▼ 8% | 18 669 € | 22 138 € | 6 |
| 2024 Q3 | 16 982 € | ▲ 3% | 19 908 € | 22 842 € | 6 |
| 2024 Q2 | 25 673 € | ▲ 24% | 18 432 € | 22 817 € | 7 |
| 2024 Q1 | 23 653 € | ▼ 50% | 19 075 € | 23 381 € | 6 |
| 2023 Q4 | 18 874 € | ▼ 42% | 18 501 € | 20 629 € | 6 |
| 2023 Q3 | 16 485 € | ▼ 45% | 18 051 € | 19 783 € | 6 |
Show full history (18 quarters)
| 2023 Q2 | 20 769 € | ▼ 35% | 18 231 € | 21 419 € | 6 |
| 2023 Q1 | 47 293 € | ▲ 38% | 19 345 € | 24 116 € | 6 |
| 2022 Q4 | 32 480 € | 17 795 € | 20 547 € | 7 | |
| 2022 Q3 | 30 161 € | 22 566 € | 23 618 € | 6 | |
| 2022 Q2 | 32 147 € | 22 180 € | 22 707 € | 8 | |
| 2022 Q1 | 34 255 € | 21 519 € | 24 607 € | 8 |
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
| 2025 | 2024 | 2023 | 2022 | 2021 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Sales revenue | 222 k € | ▲ 5% | 212 k € | ▼ 6% | 227 k € | ▼ 1% | 230 k € | ▼ 20% | 288 k € |
| Profit | -4 322 € | ▼ into loss | 10 203 € | ▲ 3% | 9 916 € | ▲ into profit | -48 481 € | ▼ 5% | -46 216 € |
| Profit margin | -1,9% | 4,8% | 4,4% | -21,0% | -16,1% | ||||
| Retained earnings | 25 868 € | ▲ 65% | 15 665 € | ▲ 173% | 5 748 € | ▼ 89% | 54 229 € | ▼ 46% | 100 k € |
| Cash | 32 746 € | ▼ 29% | 45 884 € | ▼ 22% | 58 461 € | ▲ 78% | 32 874 € | ▼ 30% | 47 143 € |
| Current assets | 67 823 € | ▼ 23% | 88 521 € | ▼ 3% | 91 045 € | ▲ 29% | 70 640 € | ▼ 12% | 80 360 € |
| Fixed assets | 10 871 € | ▼ 46% | 20 278 € | ▼ 4% | 21 211 € | ▼ 39% | 34 721 € | ▼ 47% | 65 154 € |
| Assets | 78 694 € | ▼ 28% | 109 k € | ▼ 3% | 112 k € | ▲ 7% | 105 k € | ▼ 28% | 146 k € |
| Current liabilities | 55 005 € | ▼ 32% | 80 788 € | ▲ 12% | 72 448 € | ▲ 76% | 41 088 € | ▼ 10% | 45 835 € |
| Long-term liabilities | — | 0 € | ▼ 100% | 22 000 € | ▼ 61% | 56 381 € | ▲ 30% | 43 306 € | |
| Total liabilities | 55 005 € | ▼ 32% | 80 788 € | ▼ 14% | 94 448 € | ▼ 3% | 97 469 € | ▲ 9% | 89 141 € |
| Equity | 23 689 € | ▼ 15% | 28 011 € | ▲ 57% | 17 808 € | ▲ 126% | 7 892 € | ▼ 86% | 56 373 € |
| Labour costs | -191 k € | ▼ 3% | -185 k € | ▼ 1% | -183 k € | ▲ 11% | -205 k € | ▲ 9% | -227 k € |
| Employees | 7 | 0% | 7 | 0% | 7 | 0% | 7 | ▼ 30% | 10 |
| Filed | 02.07.2026 | 30.06.2025 | 26.06.2024 | 29.06.2023 | 23.05.2023 | ||||
| Report | PDF ↓ | 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
| Activity | EMTAK | Sales revenue | Osa |
|---|---|---|---|
| Activities of collection agencies and credit bureaus main activity | 82911 | 222 400 € | 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
3 875 € makseid · 1 tenders · 1 toetust
Transactions with state institutions
2026956 €
20252 076 €
2024302 €
2023541 €
Largest payers
| SA Raplamaa Haigla | 931 € |
| Mustvee Vallavalitsus | 837 € |
| Saaremaa Vallavalitsus | 742 € |
| SA Põhja-Eesti Regionaalhaigla | 444 € |
| SA Läänemaa Haigla | 305 € |
All payments by month
| Month | Payer | Type | Field | Amount |
|---|---|---|---|---|
| 08.2026 | Mustvee Vallavalitsus | Operating costs | Other economic affairs (incl. administration) | 451 € |
| 02.2026 | SA Alutagusemaa | Operating costs | Recreation parks and bases | 158 € |
| 02.2026 | Saaremaa Vallavalitsus | Operating costs | Municipal government | 155 € |
| 01.2026 | Saaremaa Vallavalitsus | Operating costs | Municipal government | 192 € |
| 09.2025 | Saaremaa Vallavalitsus | Operating costs | Basic and general secondary education | 103 € |
| 05.2025 | SA Raplamaa Haigla | Operating costs | General hospital services | 931 € |
| 05.2025 | Saaremaa Vallavalitsus | Operating costs | Municipal government | 169 € |
| 04.2025 | Saaremaa Vallavalitsus | Operating costs | Folk culture | 184 € |
| 04.2025 | Saaremaa Vallavalitsus | Other operating expenses | Basic and general secondary education | -59 € |
| 02.2025 | SA Põhja-Eesti Regionaalhaigla | Operating costs | Specialised hospital services | 444 € |
| 02.2025 | SA Läänemaa Haigla | Other operating expenses | General hospital services | 305 € |
| 03.2024 | Kuressaare Haigla SA | Operating costs | General hospital services | 146 € |
| 02.2024 | Mustvee Vallavalitsus | Operating costs | Other economic affairs (incl. administration) | 156 € |
| 11.2023 | Mustvee Vallavalitsus | Operating costs | Other economic affairs (incl. administration) | 230 € |
| 10.2023 | Huvitegevuse ja Noorsootöö Sihtasutus | Operating costs | Other education, incl. administration | 182 € |
| 09.2023 | Kuressaare Haigla SA | Operating costs | General hospital services | 129 € |
Riigi Tugiteenuste Keskus, Saldo makseandmikud
Public procurement contracts
| Date | Contracting authority | Tender | Amount |
|---|---|---|---|
| 26.01.2026 | Sillamäe Linnavalitsus | KONTSESSIOONILEPING | 1 € |
Public Procurement Register
Toetuse saanud projektid
| Projekt | Meede | Periood | Toetus | Välja makstud |
|---|---|---|---|---|
| Inkassomenetluse tähtsamad õiguslikud aspektid Lõpetatud · Ettevõtluse ja Innovatsiooni Sihtasutus | Teadmiste ja oskuste arendamise toetus | 31.08.2009 – 25.10.2009 | 3 196 € |
Riigi Tugiteenuste Keskus, toetatud projektid
Holdings in other companies
0
No holdings in other companies
Companies linked via the board
2
Sorted by revenue (latest report or 4 quarters).
Top 20 in activity: Activities of collection agencies and credit bureaus
20
| # | Company | Revenue |
|---|---|---|
| 1 | Aktiva Finance Group OÜ | 23,5 m € |
| 2 | B2 Impact OÜ | 7,0 m € |
| 3 | AS CREDITINFO EESTI | 6,4 m € |
| 4 | Julianus Inkasso OÜ | 5,8 m € |
| 5 | Revensen OÜ | 2,9 m € |
| 6 | Professional Partner OÜ | 1,5 m € |
| 7 | OÜ GS Core | 1,3 m € |
| 8 | OÜ Krediidiregister | 1,3 m € |
| 9 | OMEGA INVEST OÜ | 1,1 m € |
| 10 | Fresh Finance OÜ | 1,1 m € |
| 11 | Heimondo Estonia OÜ | 634 k € |
| 12 | KREEDIX OÜ | 404 k € |
| 13 | CREDITREFORM EESTI OÜ | 222 k € |
| 14 | GOSA INVEST OÜ | 182 k € |
| 15 | PG Inkasso OÜ | 139 k € |
| 16 | Hansen Inkasso OÜ | 139 k € |
| 17 | Debitum Collectio OÜ | 132 k € |
| 18 | Information Holding OÜ | 130 k € |
| 19 | Renovum OÜ | 96 956 € |
| 20 | Eesti Inkasso OÜ | 92 041 € |
Revenue from the latest annual report, otherwise Tax Board revenue for 4 quarters. All companies in this activity
Domains
1 records
Domains
| Domain | Source |
|---|---|
| creditreform.ee | Business Register |
History and notices
21
| Date | Type | Content |
|---|---|---|
| 29.06.2026 | Entry | Amendment entry |
| 21.04.2025 | Entry | Amendment entry |
| 21.04.2025 | Administrative order | Osanike muutmine |
| 01.09.2023 | Entry | Amendment entry |
| 09.05.2022 | Entry | Muutmiskanne ÄS § 525 lg 2 alusel |
| 03.11.2020 | Entry | Amendment entry |
| 06.10.2020 | Entry | Amendment entry |
| 04.07.2019 | Entry | Amendment entry |
| 18.02.2019 | Entry | Amendment entry |
| 13.02.2019 | Order to remedy deficiencies | Amendment entry |
| 17.01.2018 | Entry | Amendment entry |
| 08.11.2017 | Entry | Amendment entry |
| 28.09.2017 | Entry | Amendment entry |
| 23.09.2016 | Entry | Amendment entry |
| 30.12.2011 | Entry | Amendment entry |
| 09.12.2011 | Order to remedy deficiencies | Amendment entry |
| 25.05.2010 | Märge osade või aktsiate registreerituse kohta EVK-s | Märkus |
| 05.01.2009 | Tegevusalade kustutamine registrikaardilt | Amendment entry |
| 26.10.2007 | Entry | Amendment entry |
| 29.03.2006 | Entry | Amendment entry |
| 21.08.2002 | Jaatav kandeotsus | First entry |