Aktiva Finance Group OÜ

Active Registry code 10746479 OÜ Tallinn Registered 23 Mar 2001
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Aktiva Finance Group OÜ is a OÜ based in Tallinn, registry code 10746479, status: active. Main activity: Activities of collection agencies and credit bureaus. Its annual report for 2025 shows revenue of €23 547 595 and 7 employees.

Turnover
—
State taxes
74 829 €
↓ 37.8% vs Q2 2026
Labour taxes
79 784 €
↓ 37.0% vs Q2 2026
Employees
6
+1 vs Q2 2026

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

Position in the industry Office administrative, office support and other business support activities · EMTAK 82

  • Labour taxes per employee 13 297 €
    industry median 1 350 € · companies in the industry: 777
  • Revenue · 2025 23.5 mn €
    industry median 3 483 € · companies in the industry: 3 688
  • Net profit margin · 2025 55.2 %
    industry median 11.2 % · companies in the industry: 2 113

Taxes and turnover

Q4 2023 – Q3 2026
Labour taxes per employee, € Q3 2026: 13 297 € · −47.5% vs Q2 2026 · industry median 1 350 € · above 98% of the industry
010 00020 00030 000Q4 2023 Company: 15 526 € Industry median: 1 251 €Q4·23Q1 2024 Company: 11 402 € Industry median: 1 292 €Q2 2024 Company: 8 764 € Industry median: 1 265 €Q2·24Q3 2024 Company: 14 426 € Industry median: 1 305 €Q4 2024 Company: 15 744 € Industry median: 1 355 €Q4·24Q1 2025 Company: 17 296 € Industry median: 1 354 €Q2 2025 Company: 23 766 € Industry median: 1 393 €Q2·25Q3 2025 Company: 19 332 € Industry median: 1 405 €Q4 2025 Company: 20 317 € Industry median: 1 417 €Q4·25Q1 2026 Company: 19 942 € Industry median: 1 316 €Q2 2026 Company: 25 339 € Industry median: 1 296 €Q2·26Q3 2026 Company: 13 297 € Industry median: 1 350 €Q3·26010 00020 00030 000Q4 2024 Company: 15 744 € Industry median: 1 355 €Q1 2025 Company: 17 296 € Industry median: 1 354 €Q1·25Q2 2025 Company: 23 766 € Industry median: 1 393 €Q3 2025 Company: 19 332 € Industry median: 1 405 €Q3·25Q4 2025 Company: 20 317 € Industry median: 1 417 €Q1 2026 Company: 19 942 € Industry median: 1 316 €Q1·26Q2 2026 Company: 25 339 € Industry median: 1 296 €Q3 2026 Company: 13 297 € Industry median: 1 350 €Q3·26
  • Company
  • Industry median

Industry: Office administrative, office support and other business support activities (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Employees Q3 2026: 6 · +20.0% vs Q2 2026
0246Q4 2023 Company: 3Q4·23Q1 2024 Company: 4Q2 2024 Company: 4Q2·24Q3 2024 Company: 3Q4 2024 Company: 3Q4·24Q1 2025 Company: 3Q2 2025 Company: 3Q2·25Q3 2025 Company: 4Q4 2025 Company: 4Q4·25Q1 2026 Company: 4Q2 2026 Company: 5Q2·26Q3 2026 Company: 6Q3·260246Q4 2024 Company: 3Q1 2025 Company: 3Q1·25Q2 2025 Company: 3Q3 2025 Company: 4Q3·25Q4 2025 Company: 4Q1 2026 Company: 4Q1·26Q2 2026 Company: 5Q3 2026 Company: 6Q3·26
State taxes, € thousand Q3 2026: 74 829 € · −37.8% vs Q2 2026
0255075100125Q4 2023 Company: 44 820 €Q4·23Q1 2024 Company: 44 226 €Q2 2024 Company: 33 486 €Q2·24Q3 2024 Company: 41 283 €Q4 2024 Company: 44 843 €Q4·24Q1 2025 Company: 48 853 €Q2 2025 Company: 67 308 €Q2·25Q3 2025 Company: 73 098 €Q4 2025 Company: 76 884 €Q4·25Q1 2026 Company: 75 251 €Q2 2026 Company: 120 233 €Q2·26Q3 2026 Company: 74 829 €Q3·260255075100125Q4 2024 Company: 44 843 €Q1 2025 Company: 48 853 €Q1·25Q2 2025 Company: 67 308 €Q3 2025 Company: 73 098 €Q3·25Q4 2025 Company: 76 884 €Q1 2026 Company: 75 251 €Q1·26Q2 2026 Company: 120 233 €Q3 2026 Company: 74 829 €Q3·26
Figures by quarter
Quarter Turnover, € State taxes, € Labour taxes, € Employees
Q3 2026 — 74 829 79 784 6
Q2 2026 — 120 233 126 694 5
Q1 2026 — 75 251 79 767 4
Q4 2025 — 76 884 81 268 4
Q3 2025 — 73 098 77 328 4
Q2 2025 — 67 308 71 299 3
Q1 2025 — 48 853 51 889 3
Q4 2024 — 44 843 47 231 3
Q3 2024 — 41 283 43 277 3
Q2 2024 — 33 486 35 054 4
Q1 2024 — 44 226 45 606 4
Q4 2023 — 44 820 46 579 3
Q3 2023 — 40 779 42 257 4
Q2 2023 — 32 607 33 503 3
Q1 2023 — 22 533 23 207 2
Q4 2022 — 22 533 23 207 2
Q3 2022 — 22 754 23 344 2
Q2 2022 — 22 474 23 160 1
Q1 2022 — 22 238 23 023 1
Labour taxes per employee per month
4 432 €

Q3 2026 · calculated from EMTA data

Financials by year

2016 – 2025
Revenue, € thousand 2025: 23 547 595 € · +26.8% vs 2024 · industry median 3 483 € · above 98% of the industry
05 00010 00015 00020 00025 0002016 Company: — Industry median: —20162017 Company: — Industry median: —20172018 Company: — Industry median: —20182019 Company: 7 331 028 € Industry median: 4 303 €20192020 Company: 10 150 528 € Industry median: 3 140 €20202021 Company: 15 537 278 € Industry median: 2 988 €20212022 Company: 15 564 114 € Industry median: 3 000 €20222023 Company: 17 523 446 € Industry median: 3 062 €20232024 Company: 18 576 896 € Industry median: 3 141 €20242025 Company: 23 547 595 € Industry median: 3 483 €202505 00010 00015 00020 00025 0002018 Company: — Industry median: —2019 Company: 7 331 028 € Industry median: 4 303 €20192020 Company: 10 150 528 € Industry median: 3 140 €2021 Company: 15 537 278 € Industry median: 2 988 €20212022 Company: 15 564 114 € Industry median: 3 000 €2023 Company: 17 523 446 € Industry median: 3 062 €20232024 Company: 18 576 896 € Industry median: 3 141 €2025 Company: 23 547 595 € Industry median: 3 483 €2025
  • Company
  • Industry median

Industry: Office administrative, office support and other business support activities (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Net profit, € thousand 2025: 12 995 147 € · +13.6% vs 2024 · industry median 0 € · above 98% of the industry
05 00010 00015 0002016 Company: — Industry median: —20162017 Company: — Industry median: —20172018 Company: — Industry median: —20182019 Company: 5 902 385 € Industry median: 0 €20192020 Company: 4 112 538 € Industry median: 0 €20202021 Company: 12 834 699 € Industry median: 0 €20212022 Company: 13 231 743 € Industry median: 0 €20222023 Company: 13 208 096 € Industry median: 0 €20232024 Company: 11 439 825 € Industry median: 0 €20242025 Company: 12 995 147 € Industry median: 0 €202505 00010 00015 0002018 Company: — Industry median: —2019 Company: 5 902 385 € Industry median: 0 €20192020 Company: 4 112 538 € Industry median: 0 €2021 Company: 12 834 699 € Industry median: 0 €20212022 Company: 13 231 743 € Industry median: 0 €2023 Company: 13 208 096 € Industry median: 0 €20232024 Company: 11 439 825 € Industry median: 0 €2025 Company: 12 995 147 € Industry median: 0 €2025
  • Company
  • Industry median

Industry: Office administrative, office support and other business support activities (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Net profit margin, % 2025: 55.2 % · −6.4 pp vs the year before · industry median 11.2 % · above 77% of the industry
0204060801002016 Company: — Industry median: —20162017 Company: — Industry median: —20172018 Company: — Industry median: —20182019 Company: 80.5 % Industry median: 12.7 %20192020 Company: 40.5 % Industry median: 13.9 %20202021 Company: 82.6 % Industry median: 15.6 %20212022 Company: 85.0 % Industry median: 12.6 %20222023 Company: 75.4 % Industry median: 12.8 %20232024 Company: 61.6 % Industry median: 12.8 %20242025 Company: 55.2 % Industry median: 11.2 %20250204060801002018 Company: — Industry median: —2019 Company: 80.5 % Industry median: 12.7 %20192020 Company: 40.5 % Industry median: 13.9 %2021 Company: 82.6 % Industry median: 15.6 %20212022 Company: 85.0 % Industry median: 12.6 %2023 Company: 75.4 % Industry median: 12.8 %20232024 Company: 61.6 % Industry median: 12.8 %2025 Company: 55.2 % Industry median: 11.2 %2025
  • Company
  • Industry median

Industry: Office administrative, office support and other business support activities (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Assets, mn € 2025: 173 669 277 € · −4.7% vs 2024
0501001502002016 Company: —20162017 Company: —20172018 Company: —20182019 Company: 54 379 651 €20192020 Company: 60 726 856 €20202021 Company: 78 737 143 €20212022 Company: 99 691 296 €20222023 Company: 157 431 047 €20232024 Company: 182 311 174 €20242025 Company: 173 669 277 €20250501001502002018 Company: —2019 Company: 54 379 651 €20192020 Company: 60 726 856 €2021 Company: 78 737 143 €20212022 Company: 99 691 296 €2023 Company: 157 431 047 €20232024 Company: 182 311 174 €2025 Company: 173 669 277 €2025
Equity, € thousand 2025: 78 987 788 € · +5.5% vs 2024
020 00040 00060 00080 0002016 Company: —20162017 Company: —20172018 Company: —20182019 Company: 23 025 694 €20192020 Company: 27 138 232 €20202021 Company: 39 972 931 €20212022 Company: 53 204 674 €20222023 Company: 66 412 770 €20232024 Company: 74 852 594 €20242025 Company: 78 987 788 €2025020 00040 00060 00080 0002018 Company: —2019 Company: 23 025 694 €20192020 Company: 27 138 232 €2021 Company: 39 972 931 €20212022 Company: 53 204 674 €2023 Company: 66 412 770 €20232024 Company: 74 852 594 €2025 Company: 78 987 788 €2025
Employees 2025: 7 · +40.0% vs 2024 · industry median 1 · above 92% of the industry
024682016 Company: 0 Industry median: —20162017 Company: 0 Industry median: —20172018 Company: 0 Industry median: 120182019 Company: 2 Industry median: 120192020 Company: 0 Industry median: 120202021 Company: 2 Industry median: 120212022 Company: 0 Industry median: 120222023 Company: 0 Industry median: 120232024 Company: 5 Industry median: 120242025 Company: 7 Industry median: 12025024682018 Company: 0 Industry median: 12019 Company: 2 Industry median: 120192020 Company: 0 Industry median: 12021 Company: 2 Industry median: 120212022 Company: 0 Industry median: 12023 Company: 0 Industry median: 120232024 Company: 5 Industry median: 12025 Company: 7 Industry median: 12025
  • Company
  • Industry median

Industry: Office administrative, office support and other business support 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 23 547 595 12 995 147 707 686 173 669 277 78 987 788 7
2024 18 576 896 11 439 825 404 516 182 311 174 74 852 594 5
2023 17 523 446 13 208 096 390 252 157 431 047 66 412 770 0
2022 15 564 114 13 231 743 219 927 99 691 296 53 204 674 0
2021 15 537 278 12 834 699 227 186 78 737 143 39 972 931 2
2020 10 150 528 4 112 538 240 923 60 726 856 27 138 232 0
2019 7 331 028 5 902 385 160 734 54 379 651 23 025 694 2
2018 — — — — — 0
2017 — — — — — 0
2016 — — — — — 0
2015 — — — — — 0
2014 — — — — — 0
2013 — — — — — 0
2012 — — — — — 0
2011 — — — — — 0
2010 — — — — — 1
2009 — — — — — 3
2008 — — — — — 11
2007 — — — — — 18
2006 — — — — — 15
2005 — — — — — 11
2004 — — — — — 7
2003 — — — — — 3
2002 — — — — — 2
2001 — — — — — 1

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
55.2 %
Net profit / revenue
Return on equity (ROE)
16.5 %
Net profit / equity
Return on assets (ROA)
7.5 %
Net profit / assets
Equity ratio
45.5 %
Equity / assets
Debt ratio
54.5 %
Liabilities / assets
Current ratio
0.66
Current assets / current liabilities
Revenue per employee
3 363 942 €
Revenue / average full-time employees
Labour cost per employee per month
8 425 €
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 26 Jun 2026 Consolidated · audited e-Äriregister
2024 1 Jan 2024 – 31 Dec 2024 11 Jul 2025 Consolidated · audited e-Äriregister
2023 1 Jan 2023 – 31 Dec 2023 24 Oct 2024 Consolidated · audited e-Äriregister
2022 1 Jan 2022 – 31 Dec 2022 19 Jul 2023 Consolidated · audited e-Äriregister
2021 1 Jan 2021 – 31 Dec 2021 30 Jun 2022 Consolidated · audited e-Äriregister
2020 1 Jan 2020 – 31 Dec 2020 20 Jul 2021 Consolidated · audited e-Äriregister
2019 1 Jan 2019 – 31 Dec 2019 1 Jul 2020 Consolidated · audited e-Äriregister

Commercial pledges

No. Amount Pledgee Period
3 10 000 000 € AS LHV Pank 20 Mar 2025 – in force
2 11 000 000 € AS LHV Pank 23 Oct 2017 – in force
1 4 000 000 € AS LHV Pank 17 Jan 2017 – in force

Board

  • Margus Aule
    Board member · since 22 Apr 2019
  • Oliver Markvart
    Board member · since 11 Apr 2022
  • Argo Virkebau
    Board member · since 20 Jan 2025
  • Nasdaq CSD SE
    Keeper of the share register · since 27 Sep 2017

Right of representation

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

Owners

Owner in

Beneficial owners

  • Hans Luik
    Indirect ownership · since 18 Nov 2018

Founders and other persons

shared board members, owners or beneficial owners

Activities (EMTAK)

  • 82911Activities of collection agencies and credit bureaus Main
Rulings
Number, date Title Deadline State Document
K 10055624 / 41
20 Mar 2025
Commercial pledge entered In force
20 Mar 2025
PDF
Ä 10055624 / 40
11 Feb 2025
Amendment entry In force
11 Feb 2025
PDF
Ä 10055624 / 39
20 Jan 2025
Amendment entry In force
20 Jan 2025
PDF
Ä 10055624 / M12
13 Jan 2025
Ruling to eliminate deficiencies 2 Feb 2025 Deficiencies eliminated
20 Jan 2025
PDF
Ä 10055624 / M11
1 Oct 2024
Fine for not filing the report 19 Oct 2024 In force
20 Oct 2024
PDF
Ä 10055624 / M10
6 Jul 2024
Warning of a fine: annual report not filed 5 Aug 2024 In force
6 Jul 2024
PDF
Ä 10055624 / 38
27 Mar 2024
Amendment under Code of Civil Procedure § 595¹ (1) In force
27 Mar 2024
PDF
Ä 10055624 / M9
23 Jan 2024
Ruling to eliminate deficiencies 22 Feb 2024 Deficiencies eliminated
23 Jan 2024
PDF
Ä 10055624 / 37
23 Jan 2024
Amendment entry In force
23 Jan 2024
PDF
Ä 10055624 / 36
3 Jan 2024
Amendment under Code of Civil Procedure § 595¹ (1) In force
3 Jan 2024
PDF
Ä 10055624 / 35
6 Nov 2023
Second (constitutive) merger entry In force
6 Nov 2023
PDF
Ä 10055624 / 34
27 Feb 2023
Amendment entry In force
27 Feb 2023
PDF
Ä 10055624 / 33
11 Apr 2022
Amendment entry In force
11 Apr 2022
PDF
Ä 10055624 / 32
13 Oct 2020
Second (constitutive) merger entry In force
13 Oct 2020
PDF
Ä 10055624 / 31
19 Aug 2020
Second (constitutive) merger entry In force
19 Aug 2020
PDF
Ä 10055624 / 30
22 Apr 2019
Amendment entry In force
22 Apr 2019
PDF
Ä 10055624 / 29
3 Aug 2018
Second (constitutive) merger entry In force
3 Aug 2018
PDF
Ä 10055624 / 28
16 Jul 2018
Entry refused In force
2 Aug 2018
PDF
Ä 10055624 / 27
17 Jan 2018
Amendment entry In force
17 Jan 2018
PDF
Ä 10055624 / 26
7 Nov 2017
Amendment entry In force
7 Nov 2017
PDF
K 10055624 / 25
23 Oct 2017
Commercial pledge entered In force
23 Oct 2017
PDF
K 10055624 / 24
23 Oct 2017
Commercial pledge amended In force
23 Oct 2017
PDF
Ä 10055624 / 23
13 Oct 2017
Amendment entry In force
13 Oct 2017
PDF
Ä 10055624 / 22
27 Sep 2017
Amendment entry In force
27 Sep 2017
PDF
K 10055624 / 21
17 Jan 2017
Commercial pledge entered In force
17 Jan 2017
PDF
K 10055624 / M8
12 Jan 2017
Procedural ruling 27 Jan 2017 Deficiencies eliminated
17 Jan 2017
PDF
Ä 10055624 / 20
14 Sep 2016
Amendment entry In force
14 Sep 2016
PDF
Ä 10055624 / 19
3 May 2016
Second (constitutive) merger entry In force
3 May 2016
PDF
Ä 10055624 / 18
13 Jan 2016
Entry made by the register on its own initiative In force
13 Jan 2016
PDF
Ä 10055624 / 17
29 Dec 2015
Second (constitutive) merger entry In force
29 Dec 2015
PDF
Ä 10055624 / 16
15 Oct 2014
Entry refused: deficiencies not eliminated In force
10 Nov 2014
PDF
Ä 10055624 / M7
25 Aug 2014
Ruling to eliminate deficiencies 24 Sep 2014 In force
25 Aug 2014
PDF
Ä 10055624 / 15
25 Feb 2011
Amendment entry In force
25 Feb 2011
PDF
Ä 10055624 / 14
24 Mar 2010
Amendment under Commercial Code § 525 (2) In force
24 Mar 2010
PDF
Ä 55624 / 13
3 Jun 2009
Amendment entry In force
3 Jun 2009
PDF
Ä 55624 / 12
3 Mar 2009
Amendment entry In force
3 Mar 2009
PDF
Ä 55624 / 11
3 Dec 2008
Deletion of activities from the registry card In force
4 Dec 2008
PDF
Ä 55624 / 10
30 Nov 2006
Entry made by the register on its own initiative In force
18 Dec 2006
PDF
Ä 55624 / M6
13 Sep 2006
Fine for not filing the report 22 Oct 2006 In force
21 Sep 2006
PDF
Ä 55624 / M5
13 Sep 2006
Fine for not filing the report 17 Dec 2006 In force
3 Nov 2006
PDF
Ä 55624 / M4
13 Sep 2006
Fine for not filing the report 18 Oct 2006 In force
16 Sep 2006
PDF
Ä 55624 / M3
13 Sep 2006
Fine for not filing the report 2 Nov 2006 Deficiencies eliminated
23 Sep 2006
PDF
Ä 55624 / 9
8 Apr 2005
Amendment entry In force PDF
Ä 55624 / M2
29 Mar 2005
Ruling to eliminate deficiencies (to be served) In force PDF
Ä 55624 / 8
14 Jan 2005
Amendment entry In force PDF
Ä 55624 / 7
19 Oct 2004
Amendment entry In force PDF
Ä 55624 / M1
6 Oct 2004
Ruling to eliminate deficiencies (to be served) 30 Nov 2004 In force PDF
Ä 55624 / 6
4 Jun 2004
Amendment entry In force PDF
Ä 55624 / 5
6 Apr 2004
Amendment entry In force PDF
Ä 55624 / 4
11 Jun 2002
Published amendment entry In force PDF

Sources: e-Äriregister and EMTA. Data updated 1 Nov 2026. Open at the source ↗ · Report an error in the data