KindlustusEst Kindlustusmaakler OÜ

Active Registry code 10703702 OÜ Tallinn Registered 5 Oct 2000

KindlustusEst Kindlustusmaakler OÜ is a OÜ based in Tallinn, registry code 10703702, status: active. Main activity: Activities of insurance agents. Its annual report for 2025 shows revenue of €1 022 876 and 14 employees.

Turnover

—

State taxes

68 558 €

↑ 28.6% vs Q2 2026

Labour taxes

72 433 €

↑ 26.4% vs Q2 2026

Employees

+3 vs Q2 2026

Q3 2026 · data from the Tax and Customs Board (EMTA)

Position in the industry Activities auxiliary to financial services and insurance activities · EMTAK 66

Labour taxes per employee 1 393 €

above 35% of companies

industry median 2 338 € · companies in the industry: 272
Revenue · 2025 1 mn €

above 98% of companies

industry median 3 200 € · companies in the industry: 1 215
Net profit margin · 2025 15.0 %

above 43% of companies

industry median 23.7 % · companies in the industry: 667

Taxes and turnover

Q4 2023 – Q3 2026

Labour taxes per employee, € Q3 2026: 1 393 € · +19.1% vs Q2 2026 · industry median 2 338 € · above 35% of the industry

Company
Industry median

Industry: Activities auxiliary to financial services and insurance activities (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Employees Q3 2026: 52 · +6.1% vs Q2 2026

State taxes, € thousand Q3 2026: 68 558 € · +28.6% vs Q2 2026

Figures by quarter
Quarter	Turnover, €	State taxes, €	Labour taxes, €	Employees
Q3 2026	—	68 558	72 433	52
Q2 2026	—	53 322	57 288	49
Q1 2026	—	62 323	66 517	46
Q4 2025	—	66 229	70 110	49
Q3 2025	—	74 814	78 636	50
Q2 2025	—	81 095	85 512	52
Q1 2025	—	75 345	79 212	61
Q4 2024	—	82 704	85 493	63
Q3 2024	—	77 067	81 322	63
Q2 2024	—	91 705	97 022	62
Q1 2024	—	117 174	123 692	64
Q4 2023	—	120 286	127 445	67
Q3 2023	—	117 452	124 203	68
Q2 2023	—	114 096	120 520	67
Q1 2023	—	108 790	114 625	65
Q4 2022	—	97 899	103 995	67
Q3 2022	—	97 432	103 830	67
Q2 2022	—	95 835	102 293	66
Q1 2022	—	93 505	98 981	66

Labour taxes per employee per month

464 €

Q3 2026 · calculated from EMTA data

Financials by year

2016 – 2025

Revenue, € thousand 2025: 1 022 876 € · −14.1% vs 2024 · industry median 3 200 € · above 98% of the industry

Company
Industry median

Industry: Activities auxiliary to financial services and insurance activities (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Net profit, € thousand 2025: 153 252 € · −69.9% vs 2024 · industry median 80 € · above 91% of the industry

Company
Industry median

Industry: Activities auxiliary to financial services and insurance activities (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Net profit margin, % 2025: 15.0 % · −27.8 pp vs the year before · industry median 23.7 % · above 43% of the industry

Company
Industry median

Industry: Activities auxiliary to financial services and insurance activities (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Assets, € thousand 2025: 1 521 524 € · +19.9% vs 2024

Equity, € thousand 2025: 908 033 € · +20.3% vs 2024

Employees 2025: 14 · −39.1% vs 2024 · industry median 1 · above 93% of the industry

Company
Industry median

Industry: Activities auxiliary to financial services and insurance activities (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Financials by year
Year	Revenue, €	Net profit, €	Labour costs, €	Assets, €	Equity, €	Employees
2025	1 022 876	153 252	710 221	1 521 524	908 033	14
2024	1 191 253	509 443	858 848	1 269 357	754 781	23
2023	1 774 710	304 633	1 190 694	1 746 809	661 413	30
2022	1 599 679	102 364	1 019 753	1 471 126	356 780	30
2021	1 464 567	67 943	995 751	1 275 902	254 416	28
2020	1 427 250	31 857	1 086 988	1 356 969	186 473	33
2019	1 706 938	122 854	1 056 409	1 633 523	154 616	38
2018	—	—	—	—	—	39
2017	—	—	—	—	—	38
2016	—	—	—	—	—	38
2015	—	—	—	—	—	36
2014	—	—	—	—	—	36
2013	—	—	—	—	—	34
2012	—	—	—	—	—	33
2011	—	—	—	—	—	34
2010	—	—	—	—	—	38
2009	—	—	—	—	—	38
2008	—	—	—	—	—	35
2007	—	—	—	—	—	30
2006	—	—	—	—	—	25
2005	—	—	—	—	—	24
2004	—	—	—	—	—	20
2003	—	—	—	—	—	19
2002	—	—	—	—	—	14
2001	—	—	—	—	—	9
2000	—	—	—	—	—	5

Figures from the company’s own (non-consolidated) balance sheet and income statement. A loss is shown with a minus sign.

Financial ratios for 2025

Net profit margin

15.0 %

Net profit / revenue

Return on equity (ROE)

16.9 %

Net profit / equity

Return on assets (ROA)

10.1 %

Net profit / assets

Equity ratio

59.7 %

Equity / assets

Debt ratio

40.3 %

Liabilities / assets

Current ratio

1.16

Current assets / current liabilities

Revenue per employee

73 063 €

Revenue / average full-time employees

Labour cost per employee per month

4 228 €

Labour costs / employees / 12 months (incl. employer taxes)

Annual reports

PDFs from e-Äriregister

Annual reports
Year	Period	Filed	Report	Documents
2025	1 Jan 2025 – 31 Dec 2025	22 Apr 2026	Company’s own · audited	e-Äriregister
2024	1 Jan 2024 – 31 Dec 2024	11 Apr 2025	Company’s own · audited	e-Äriregister
2023	1 Jan 2023 – 31 Dec 2023	30 Apr 2024	Company’s own · audited	e-Äriregister
2022	1 Jan 2022 – 31 Dec 2022	25 Apr 2023	Company’s own · audited	e-Äriregister
2021	1 Jan 2021 – 31 Dec 2021	31 Mar 2022	Company’s own · audited	e-Äriregister
2020	1 Jan 2020 – 31 Dec 2020	6 Apr 2021	Company’s own · audited	e-Äriregister
2019	1 Jan 2019 – 31 Dec 2019	7 Apr 2020	Company’s own · audited	e-Äriregister

Board

Merit Ots
Board member · since 3 Jul 2006
Nasdaq CSD SE
Keeper of the share register · since 28 Sep 2017

Right of representation

Any member of the management board may represent the private limited company in all transactions.

Owners

Omanikukonto: OÜ Merre
Legal person · 12374533 · 24 950 €

100%

Beneficial owners

Merit Ots
Indirect ownership · since 8 Sep 2018

Founders and other persons

Maldon Ots
Founder · 40 000 € · 5 Oct 2000
Audit & Consult OÜ
Audit firm · 14 Mar 2017

shared board members, owners or beneficial owners

Activities (EMTAK)

66221Activities of insurance agents Main

Rulings 36

All rulings (PDF)

Rulings
Number, date	Title	Deadline	State	Document
Ä 10051492 / 27 3 Sep 2026	Amendment under Code of Civil Procedure § 595¹ (1)		In force 3 Sep 2026	PDF
Ä 10051492 / M11 3 May 2024	Refund of the state fee		In force 3 May 2024	PDF
Ä 10051492 / 26 30 Apr 2024	Division entry (second, constitutive)		In force 30 Apr 2024	PDF
Ä 10051492 / M10 26 Apr 2024	Refund of the state fee		In force 26 Apr 2024	PDF
Ä 10051492 / M9 1 Sep 2023	Ruling to eliminate deficiencies	16 Sep 2023	Deficiencies eliminated 1 Sep 2023	PDF
Ä 10051492 / 25 1 Sep 2023	Amendment entry		In force 1 Sep 2023	PDF
Ä 10051492 / 24 10 Jan 2022	Amendment entry		In force 10 Jan 2022	PDF
Ä 10051492 / 23 1 Feb 2021	Amendment entry		In force 1 Feb 2021	PDF
Ä 10051492 / 22 20 Nov 2020	Amendment entry		In force 20 Nov 2020	PDF
Ä 10051492 / 21 19 Nov 2019	Amendment entry		In force 19 Nov 2019	PDF
Ä 10051492 / 20 8 Nov 2019	Amendment entry		In force 8 Nov 2019	PDF
Ä 10051492 / M8 31 Oct 2019	Ruling to eliminate deficiencies	20 Nov 2019	Deficiencies eliminated 8 Nov 2019	PDF
Ä 10051492 / M7 25 Oct 2019	Ruling to eliminate deficiencies	19 Nov 2019	Deficiencies eliminated 8 Nov 2019	PDF
Ä 10051492 / M6 23 Jul 2019	Ruling to correct data outside an entry	22 Aug 2019	In force 23 Jul 2019	PDF
Ä 10051492 / 19 23 Jul 2019	Amendment entry		In force 23 Jul 2019	PDF
Ä 10051492 / 18 15 May 2018	Second (constitutive) merger entry		In force 15 May 2018	PDF
Ä 10051492 / 17 17 Jan 2018	Amendment entry		In force 17 Jan 2018	PDF
Ä 10051492 / 16 7 Nov 2017	Amendment entry		In force 7 Nov 2017	PDF
Ä 10051492 / 15 3 Oct 2017	Second (constitutive) merger entry		In force 3 Oct 2017	PDF
Ä 10051492 / 14 28 Sep 2017	Amendment entry		In force 28 Sep 2017	PDF
Ä 10051492 / 13 14 Mar 2017	Amendment entry		In force 14 Mar 2017	PDF
Ä 10051492 / 12 16 Sep 2016	Amendment entry		In force 16 Sep 2016	PDF
Ä 10051492 / 11 6 Sep 2014	Amendment entry		In force 6 Sep 2014	PDF
Ä 10051492 / 10 3 Apr 2014	Amendment entry		In force 3 Apr 2014	PDF
Ä 10051492 / 9 5 Dec 2013	Amendment entry		In force 5 Dec 2013	PDF
Ä 10051492 / M5 20 Nov 2013	Ruling to eliminate deficiencies	20 Dec 2013	Deficiencies eliminated 5 Dec 2013	PDF
Ä 10051492 / 8 7 Dec 2012	Amendment entry		In force 7 Dec 2012	PDF
Ä 10051492 / 7 8 Nov 2011	Amendment entry		In force 8 Nov 2011	PDF
Ä 10051492 / M4 5 Oct 2011	Ruling to eliminate deficiencies	7 Nov 2011	In force 5 Oct 2011	PDF
Ä 10051492 / 6 19 May 2011	Amendment entry		In force 19 May 2011	PDF
Ä 10051492 / M3 26 Apr 2011	Ruling to eliminate deficiencies	15 Jun 2011	In force 26 Apr 2011	PDF
Ä 51492 / 5 4 Sep 2009	Amendment entry		In force 4 Sep 2009	PDF
Ä 51492 / M2 18 Aug 2009	Ruling to eliminate deficiencies	20 Sep 2009	In force 18 Aug 2009	PDF
Ä 51492 / 4 3 Dec 2008	Deletion of activities from the registry card		In force 12 Dec 2008	PDF
Ä 51492 / 3 3 Jul 2006	Amendment entry		In force 3 Jul 2006	PDF
Ä 51492 / 2 8 Feb 2005	Amendment entry		In force	PDF

Sources: e-Äriregister and EMTA. Data updated 2 Nov 2026. Open at the source ↗ · Report an error in the data

KindlustusEst Kindlustusmaakler OÜ

Position in the industry Activities auxiliary to financial services and insurance activities · EMTAK 66

Taxes and turnover

Financials by year

Financial ratios for 2025

Annual reports

Board

Right of representation

Owners

Beneficial owners

Founders and other persons

Related companies

Activities (EMTAK)

Rulings 36