ETENRU

ESTO AS

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RegisteredHarju County
Registry code
14180709
VAT number
EE102137143
Address
Harju maakond, Tallinn, Kesklinna linnaosa, Laeva tn 2, 10111
Registered
06.01.2017 · 9 yrs
Activity
Other credit granting 64929
Capital
99 800 €
Email
i•••@e•••.eeLog in to see
Phone
+372 •• ••••Log in to see
Website
www.esto.ee
Business Register 03.10.2026
Sales revenue30,1 m €+11%2025 annual report
Profit14,4 m €2025 annual report
Employees29Tax Board 2026 Q2
Average gross salary2 972 €estimate, Tax Board 2026 Q2
Labour taxes per quarter132 k €Tax Board 2026 Q2
Cash1,1 m €Cash 31.12.2025, annual report
Tax debt0 €Tax Board debtor list 03.10.2026
Revenue 12 months1,0 m €+3%Tax Board, last 4 quarters
State taxes 12 months709 k €Tax Board, last 4 quarters
Tax debt since 26.09.2026 · ✓ no debt
Details ↓
Turnover by quarter · latest 230 tuh €
286 k231 k225 k253 k284 k281 k226 k230 k
III 24IV 24I 25II 25III 25IV 25I 26II 26
Chart ↓
Firmo rating
AAA
Excellent, very low risk
95 / 100 points
CBBBBBBAAAAAA
View credit reportReport a debtHow the rating is calculatedCalculated 03.10.2026 · 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 → BBB → AAA
In tax debt0 days since 26.09.2026
Revenue 12 months▲ 3% aasta varasemaga
Notification when something changes
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Data

Board and owners

2 persons
Number of active companies, tax debt and bankruptcy. Facts, not an assessment.
Board 1
Martin Ustaal3 companiesno tax debtPersonal ID ↗07.12.2022
Muud isikud 1
Nasdaq CSD SE5342 companies434 with tax debt91 pankrotisAktsiaraamatu pidajaPersonal ID ↗28.09.2017
Beneficial owners 1
MARTIN USTAAL3 companiesno tax debtkõrgema juhtorgani liige. s.o juhatuse liige või nõukogu liige07.12.2022

Business Register open data

Quarterly taxes and revenue

2026 Q2
State taxes / revenue71,2%
Labour taxes / revenue57,4%
Revenue per employee per month2 640 €
Gross salary (estimate)2 972 €
Net salary (estimate)2 389 €

2026 Q2. Wage is estimated from employment taxes.

Build report

QuarterRevenueChange y/yLabour taxesState taxesEmployees
2026 Q2229 688 €▼ 9%131 883 €163 645 €29
2026 Q1225 633 €▲ 0%130 701 €170 868 €28
2025 Q4280 879 €▲ 22%145 349 €182 960 €28
2025 Q3283 782 €▼ 1%143 024 €191 421 €27
2025 Q2252 554 €▲ 13%130 423 €165 195 €25
2025 Q1224 992 €▲ 3%110 245 €147 344 €24
2024 Q4230 760 €▼ 19%111 473 €148 924 €24
2024 Q3286 176 €▲ 37%114 769 €163 678 €23
2024 Q2223 488 €▲ 35%110 940 €85 503 €26
2024 Q1218 781 €▲ 44%130 763 €187 364 €24
2023 Q4284 022 €▲ 69%114 328 €166 761 €25
2023 Q3208 952 €▲ 9%113 531 €165 081 €26
Näita kogu ajalugu (18 kvartalit)
2023 Q2165 861 €▲ 70%95 792 €119 711 €26
2023 Q1151 740 €▼ 33%89 436 €109 393 €22
2022 Q4168 497 €71 431 €92 226 €20
2022 Q3191 915 €76 531 €98 208 €20
2022 Q297 637 €87 408 €98 981 €18
2022 Q1225 789 €65 314 €112 354 €18

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 revenue30,1 m €▲ 11%27,1 m €▲ 24%21,9 m €▲ 37%16,0 m €▲ 596%2,3 m €
Profit14,4 m €▲ 28%11,3 m €▲ 92%5,9 m €▲ 56%3,7 m €▲ 14%3,3 m €
Profit margin47,9%41,5%26,8%23,4%143,6%
Jaotamata kasum23,4 m €▲ 92%12,2 m €▲ 57%7,8 m €▲ 93%4,0 m €▲ 444%743 k €
Cash1,1 m €▲ 25%897 k €▼ 39%1,5 m €▲ 282%387 k €▼ 45%706 k €
Current assets68,3 m €▲ 19%57,4 m €▲ 5%54,9 m €▲ 29%42,7 m €▲ 50%28,5 m €
Põhivara13,8 m €▲ 1%13,7 m €▲ 63%8,4 m €▲ 206%2,7 m €▼ 10%3,1 m €
Assets82,1 m €▲ 16%71,1 m €▲ 12%63,3 m €▲ 39%45,5 m €▲ 44%31,6 m €
Current liabilities20,4 m €▼ 3%21,0 m €▲ 3%20,3 m €▲ 119%9,3 m €▲ 8%8,6 m €
Pikaajalised kohustised23,6 m €▼ 11%26,4 m €▼ 9%29,1 m €▲ 3%28,1 m €▲ 51%18,7 m €
Total liabilities44,0 m €▼ 7%47,4 m €▼ 4%49,4 m €▲ 32%37,4 m €▲ 37%27,2 m €
Equity38,1 m €▲ 61%23,7 m €▲ 71%13,9 m €▲ 73%8,1 m €▲ 87%4,3 m €
Tööjõukulud-1,2 m €▼ 19%-1,0 m €0%-1,0 m €▼ 40%-740 k €▼ 34%-551 k €
Employees29▲ 16%25▼ 14%29▲ 38%21▼ 5%22
Filed29.04.202602.05.202523.05.202426.05.202322.06.2022
ReportIn the Business Register ↗In the Business Register ↗In the Business Register ↗In the Business Register ↗In the Business Register ↗

▲ kasv, ▼ 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
Other credit granting main activity6492930 122 293 €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 03.10.2026

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

none

No transactions with state agencies, procurement contracts or grants found

RTK Saldo, Riigihangete register, RTK toetatud projektid

Holdings in other companies

0

No holdings in other companies

Companies linked via the board

60
Ericsson Eesti AktsiaseltsNasdaq CSD SE416,6 m €AAAS SEB PankNasdaq CSD SE405,8 m €AAAktsiaselts METAPRINTNasdaq CSD SE85,8 m €AAAElke Tallinn ASNasdaq CSD SE62,0 m €AAAosaühing NÕO LIHATÖÖSTUSNasdaq CSD SE48,3 m €AAAaktsiaselts ESTIKO - PLASTARNasdaq CSD SE48,2 m €AAAStockmann AktsiaseltsNasdaq CSD SE42,3 m €AAAktsiaselts BalbiinoNasdaq CSD SE29,5 m €AAAAktsiaselts Magnum VeterinaariaNasdaq CSD SE28,6 m €BBInterchemie Werken De Adelaar Eesti aktsiaseltsNasdaq CSD SE25,5 m €BBBosaühing SAVEKATENasdaq CSD SE25,2 m €AAASchneider 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 PristisNasdaq CSD SE13,5 m €AAAAktsiaselts Viru ElektrikaubandusNasdaq CSD SE10,6 m €AAAktsiaselts STANDARDNasdaq CSD SE10,6 m €AHorticom OÜNasdaq CSD SE10,5 m €AAAaktsiaselts LTTNasdaq CSD SE10,2 m €AAAMotoral Eesti AktsiaseltsNasdaq CSD SE8,6 m €AAktsiaselts Silmani ElekterNasdaq CSD SE8,0 m €AAmari Metals OÜNasdaq CSD SE7,2 m €Aaktsiaselts "Rauameister"Nasdaq CSD SE6,8 m €AAAktsiaselts "Erimell"Nasdaq CSD SE6,4 m €AAAAktsiaselts Taastusravikeskus ViikingNasdaq CSD SE5,8 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 €AAAOÜ Eagle VisionNasdaq CSD SE3,6 m €AAaktsiaselts VÕRU VESINasdaq CSD SE3,4 m €AAAEF Production OÜNasdaq CSD SE3,3 m €AAaktsiaselts CISTANasdaq CSD SE2,6 m €AAABasseinitehnika OÜNasdaq CSD SE2,5 m €AAARTT AktsiaseltsNasdaq CSD SE2,1 m €AAAAS Remedium Kalamaja ApteekNasdaq CSD SE1,7 m €AAaktsiaselts ESTIKONasdaq CSD SE1,6 m €AAAVERSKA MINERAALVEE osaühingNasdaq CSD SE1,5 m €AAAAktsiaselts Ekspress GruppNasdaq CSD SE1,4 m €AOsaühing AllfilmNasdaq CSD SE1,2 m €AAOsaühing Kallaste KalurNasdaq CSD SE1,2 m €AAALEKON PROPERTY ASNasdaq CSD SE1,2 m €AAAosaühing KediivNasdaq CSD SE1,1 m €AAAAktsiaselts FotoluksNasdaq CSD SE1,1 m €BBBAuto ID osaühingNasdaq CSD SE810 k €AAAAktsiaselts MihkliNasdaq CSD SE475 k €AAAS Tolaram InvestmentsNasdaq CSD SE380 k €AAAktsiaselts YearNasdaq CSD SE132 k €CRaisio Eesti AktsiaseltsNasdaq CSD SE120 k €ADeden-Invest AktsiaseltsNasdaq CSD SE51 638 €AOsaühing Pelguranna PandimajaNasdaq CSD SE33 179 €Aosaühing ToplexNasdaq CSD SE14 918 €AKatus ASNasdaq CSD SE13 588 €AOsaühing NIKOLLONasdaq CSD SE6 140 €Cosaühing ILMATSALU KALANasdaq CSD SE4 426 €Aaktsiaselts FaabulaNasdaq CSD SE0 €BBBAktsiaselts TalveaedNasdaq CSD SE · Likvideerimisel0 €CAktsiaselts SpratfilNasdaq CSD SE · Bankrupt0 €C

Sorted by revenue (latest report or 4 quarters).

Top 20 in activity: Other credit granting

20
#CompanyRevenue
1ESTO AS30,1 m €
2Primero Finance OÜ22,8 m €
3AS LHV Finance16,1 m €
4Hüpoteeklaen AS15,5 m €
5ESTO Holdings OÜ5,9 m €
6Nordic Hypo AS3,4 m €
7PLACET GROUP OÜ1,1 m €
8OÜ SME Capital 3 Estonia955 k €
9Helto Grupp OÜ614 k €
10SERVA INVEST OÜ426 k €
11Engeros Finance OÜ373 k €
12ATLANTIS SE342 k €
13BB Finance OÜ332 k €
14Hector Kapital OÜ320 k €
15AS Finora Group269 k €
16Fresh Finance Group OÜ220 k €
17Columna OÜ184 k €
18Sihtasutus Tartu Eluasemefond166 k €
19KiirAutoLaen.EE OÜ162 k €
20FF Financial Group OÜ132 k €

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

Domains

1 records

Domains

DomainSource
esto.eeBusiness Register

History and notices

19
DateLiikSisu
05.11.2025Puuduste kõrvaldamise määrus kandeväliste andmete parandamiseks
07.12.2022KanneMuutmiskanne
05.12.2022Puuduste kõrvaldamise määrusMuutmiskanne
06.08.2021KanneMuutmiskanne ÄS § 525 lg 2 alusel
26.01.2021KanneMuutmiskanne ÄS § 525 lg 2 alusel
26.08.2020KanneMuutmiskanne
09.07.2020Puuduste kõrvaldamise määrus kandeväliste andmete parandamiseks
09.07.2019KanneMuutmiskanne
09.07.2019Korraldav määrusMuutmiskanne
14.06.2019Puuduste kõrvaldamise määrus kandeväliste andmete parandamiseksMuutmiskanne
09.04.2019Korraldav määrus
13.11.2018KanneMuutmiskanne ÄS § 525 lg 2 alusel
26.10.2018KanneMuutmiskanne
14.03.2018KanneMuutmiskanne
19.01.2018KanneMuutmiskanne
12.12.2017KanneMuutmiskanne
28.09.2017KanneMuutmiskanne
06.01.2017KanneEsmakanne
27.12.2016Puuduste kõrvaldamise määrusEsmakanne