Aktsiaselts KredEx Krediidikindlustus
- Registry code
- 11948506
- VAT number
- EE101390062
- Address
- Harju maakond, Tallinn, Lasnamäe linnaosa, Sepise tn 7, 11415
- Registered
- 31.05.2010 · 16 yrs
- Activity
- Non-life insurance 65121
- Capital
- 19 173 600 €
- k•••@k•••.eeLog in to see
- Phone
- +372 •• ••••Log in to see
- Website
- https://krediidikindlustus.ee/
- LEI
- 549300WW5DJH942O0269 ISSUED
Business Register 09.10.2026
Sales revenue1,7 m €+6%2025 annual report
Profit382 k €2025 annual report
Employees11Tax Board 2026 Q2
Average gross salary6 922 €estimate, Tax Board 2026 Q2
Labour taxes per quarter116 k €Tax Board 2026 Q2
Cash2,7 m €Cash 31.12.2025, annual report
Tax debt0 €Tax Board debtor list 09.10.2026
Revenue 12 months196 k €+3%Tax Board, last 4 quarters
State taxes 12 months482 k €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
Email right away on tax debt, bankruptcy or board changeRatingAA → BBB → BB → AAA
In tax debt0 days since 26.09.2026
Revenue 12 months▲ 3% vs a year earlier
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Board and owners
3 persons
| Board 2 | ||
|---|---|---|
| Katrin Savi1 companyno tax debt | Personal ID ↗ | 04.07.2023 |
| Signe Rähesoo1 companyno tax debt | Personal ID ↗ | 08.04.2021 |
| Other persons 1 | ||
| Nasdaq CSD SE1983 companies137 with tax debt40 bankruptShare register keeper | Personal ID ↗ | 27.09.2017 |
| Beneficial owners 6 | ||
| Hele-Liis Viirsalumember of the senior management body, i.e. management or supervisory board member | 26.11.2024 | |
| Katrin Savi1 companyno tax debtmember of the senior management body, i.e. management or supervisory board member | 03.07.2023 | |
| Liina Vahtras1 companyno tax debtÕigus nimetada või tagasi kutsuda enamikku tegevjuhtkonnast või kõrgema juhtorga | 23.09.2026 | |
| Martti Kalvikmember of the senior management body, i.e. management or supervisory board member | 13.01.2023 | |
| Signe Rähesoo1 companyno tax debtmember of the senior management body, i.e. management or supervisory board member | 06.04.2021 | |
| Ursel Velve2 companiesno tax debtmember of the senior management body, i.e. management or supervisory board member | 10.11.2025 | |
Business Register open data
Quarterly taxes and revenue
2026 Q2
State taxes / revenue399,7%
Labour taxes / revenue202,3%
Revenue per employee per month1 745 €
Gross salary (estimate)6 922 €
Net salary (estimate)5 359 €
2026 Q2. Wage is estimated from employment taxes.
| Quarter | Revenue | Change y/y | Labour taxes | State taxes | Employees |
|---|---|---|---|---|---|
| 2026 Q2 | 57 587 € | ▲ 4% | 116 499 € | 230 181 € | 11 |
| 2026 Q1 | 49 668 € | ▲ 32% | 82 479 € | 82 930 € | 11 |
| 2025 Q4 | 49 384 € | ▼ 23% | 82 439 € | 87 085 € | 11 |
| 2025 Q3 | 38 889 € | ▲ 15% | 81 205 € | 81 429 € | 11 |
| 2025 Q2 | 55 346 € | ▲ 8% | 117 847 € | 221 943 € | 11 |
| 2025 Q1 | 37 698 € | ▲ 3% | 79 221 € | 79 012 € | 11 |
| 2024 Q4 | 63 735 € | ▼ 13% | 78 007 € | 85 169 € | 11 |
| 2024 Q3 | 33 736 € | ▼ 6% | 80 659 € | 80 461 € | 11 |
| 2024 Q2 | 51 054 € | ▲ 25% | 91 690 € | 94 729 € | 11 |
| 2024 Q1 | 36 607 € | ▼ 48% | 77 303 € | 78 484 € | 10 |
| 2023 Q4 | 73 441 € | ▲ 16% | 78 559 € | 85 486 € | 11 |
| 2023 Q3 | 35 880 € | ▼ 36% | 83 036 € | 82 397 € | 9 |
Show full history (18 quarters)
| 2023 Q2 | 40 974 € | ▼ 26% | 71 599 € | 71 907 € | 11 |
| 2023 Q1 | 70 088 € | ▲ 21% | 70 944 € | 77 278 € | 10 |
| 2022 Q4 | 63 545 € | 68 889 € | 73 235 € | 11 | |
| 2022 Q3 | 56 068 € | 69 168 € | 172 430 € | 12 | |
| 2022 Q2 | 55 740 € | 81 871 € | 84 447 € | 12 | |
| 2022 Q1 | 58 092 € | 64 994 € | 70 354 € | 11 |
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 | 1,7 m € | ▲ 6% | 1,6 m € | ▼ 12% | 1,8 m € | ▼ 34% | 2,8 m € | ▼ 8% | 3,0 m € |
| Profit | 382 k € | ▼ 53% | 809 k € | ▼ 44% | 1,5 m € | — | 444 k € | ||
| Profit margin | 22,5% | 50,4% | 79,4% | — | 14,8% | ||||
| Retained earnings | 1,9 m € | ▲ 31% | 1,5 m € | ▲ 565× | 2 572 € | — | 1,5 m € | ||
| Cash | 2,7 m € | ▼ 68% | 8,3 m € | ▼ 1% | 8,4 m € | — | 16,1 m € | ||
| Current assets | 2,7 m € | ▼ 68% | 8,3 m € | ▼ 1% | 8,4 m € | — | 39,7 m € | ||
| Fixed assets | 36,7 m € | ▲ 19% | 30,9 m € | ▲ 4% | 29,8 m € | — | 300 € | ||
| Assets | 39,4 m € | 0% | 39,2 m € | ▲ 3% | 38,1 m € | ▲ 1% | 37,7 m € | ▼ 5% | 39,7 m € |
| Equity | 21,6 m € | 0% | 21,6 m € | ▲ 4% | 20,8 m € | — | 21,2 m € | ||
| Labour costs | 811 k € | — | — | — | — | ||||
| Employees | 11 | 0% | 11 | 0% | 11 | 0% | 11 | ▼ 8% | 12 |
| Filed | 21.05.2026 | 30.04.2025 | 25.04.2024 | 28.04.2023 | 04.05.2022 | ||||
| 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 |
|---|---|---|---|
| Non-life insurance main activity | 65121 | 1 694 001 € | 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 09.10.2026
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
1 326 € makseid
Transactions with state institutions
2024366 €
2023960 €
Largest payers
| Ettevõtluse ja Innovatsiooni Sihtasutus | 846 € |
| AS SmartCap | 480 € |
All payments by month
| Month | Payer | Type | Field | Amount |
|---|---|---|---|---|
| 10.2024 | Ettevõtluse ja Innovatsiooni Sihtasutus | Operating costs | General economic and trade policy | 366 € |
| 08.2023 | AS SmartCap | Operating costs | General economic and trade policy | 480 € |
| 08.2023 | Ettevõtluse ja Innovatsiooni Sihtasutus | Operating costs | General economic and trade policy | 480 € |
Riigi Tugiteenuste Keskus, Saldo makseandmikud
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
| # | Company | Revenue |
|---|---|---|
| 1 | If P&C Insurance AS | 250,6 m € |
| 2 | Swedbank P&C Insurance AS | 232,5 m € |
| 3 | ERGO Insurance SE | 80,6 m € |
| 4 | AS LHV Kindlustus | 41,1 m € |
| 5 | Salva Kindlustuse AS | 31,4 m € |
| 6 | Elama Kindlustus AS | 9,4 m € |
| 7 | mittetulundusühing Eesti Liikluskindlustuse Fond | 6,2 m € |
| 8 | AB “Lietuvos draudimas“ Eesti filiaal | 3,1 m € |
| 9 | Aktsiaselts KredEx Krediidikindlustus | 1,7 m € |
| 10 | Compensa Vienna Insurance Group, ADB Eesti filiaal | 1,5 m € |
| 11 | Coop Kindlustusmaakler AS | 977 k € |
| 12 | Fix Kindlustusmaakler OÜ | 808 k € |
| 13 | EASY ASSISTANCE ESTONIA OÜ | 430 k € |
| 14 | Akciné draudimo bendrové "Gjensidige " Eesti filiaal | 384 k € |
| 15 | Balcia Insurance SE Eesti filiaal | 274 k € |
| 16 | Aleks Kindlustus OÜ | 20 322 € |
| 17 | Novell Reisibüroo OÜ | 2 246 € |
| 18 | osaühing Unix-V | 81 € |
Revenue from the latest annual report, otherwise Tax Board revenue for 4 quarters. All companies in this activity
Domains
2 records
Domains
| Domain | Source |
|---|---|
| kredex.ee | |
| krediidikindlustus.ee | Business Register |
History and notices
29
| Date | Type | Content |
|---|---|---|
| 02.09.2026 | Entry | Amendment entry |
| 13.05.2026 | Majandusaasta aruande puuduste kõrvaldamise määrus | |
| 22.05.2024 | Order to remedy deficiencies to correct non-entry data | Amendment entry |
| 04.07.2023 | Entry | Amendment entry |
| 14.11.2022 | Entry | Muutmiskanne ÄS § 525 lg 2 alusel |
| 29.04.2022 | Majandusaasta aruande puuduste kõrvaldamise määrus | |
| 28.04.2022 | Entry | Amendment entry |
| 01.02.2022 | Entry | Amendment entry |
| 10.11.2021 | Entry | Amendment entry |
| 08.04.2021 | Entry | Amendment entry |
| 29.01.2021 | Entry | Amendment entry |
| 06.01.2021 | Entry | Amendment entry |
| 28.12.2020 | Entry | Amendment entry |
| 21.07.2020 | Entry | Amendment entry |
| 16.08.2019 | Entry | Amendment entry |
| 02.07.2019 | Entry | Amendment entry |
| 03.05.2019 | Entry | Amendment entry |
| 08.03.2018 | Entry | Amendment entry |
| 17.01.2018 | Entry | Amendment entry |
| 13.12.2017 | Entry | Amendment entry |
| 04.12.2017 | Order to remedy deficiencies | Amendment entry |
| 01.12.2017 | Entry | Amendment entry |
| 27.09.2017 | Entry | Amendment entry |
| 07.08.2017 | Entry | Amendment entry |
| 14.09.2016 | Entry | Amendment entry |
| 29.08.2012 | Entry | Amendment entry |
| 27.08.2012 | Order to remedy deficiencies | Amendment entry |
| 02.06.2010 | Entry | Muutmiskanne ÄS § 525 lg 2 alusel |
| 31.05.2010 | Entry | First entry |