Osaühing FINETEST PANDIMAJA

Active Registry code 11052419 OÜ Tallinn Registered 22 Jun 2004

Osaühing FINETEST PANDIMAJA is a OÜ based in Tallinn, registry code 11052419, status: active. Main activity: Pawn shops. Its annual report for 2025 shows revenue of €39 437 and 1 employees.

Turnover

—

State taxes

1 099 €

↑ 6.9% vs Q2 2026

Labour taxes

1 168 €

↑ 6.8% vs Q2 2026

Employees

±0 vs Q2 2026

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

Position in the industry Financial service activities, except insurance and pension funding · EMTAK 64

Labour taxes per employee 1 168 €

above 27% of companies

industry median 2 214 € · companies in the industry: 443
Revenue · 2025 39 437 €

above 90% of companies

industry median 0 € · companies in the industry: 3 672
Net profit margin · 2025 52.6 %

above 57% of companies

industry median 34.4 % · companies in the industry: 770

Taxes and turnover

Q4 2023 – Q3 2026

Labour taxes per employee, € Q3 2026: 1 168 € · +6.8% vs Q2 2026 · industry median 2 214 € · above 27% of the industry

Company
Industry median

Industry: Financial service activities, except insurance and pension funding (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Employees Q3 2026: 1 · +0.0% vs Q2 2026

State taxes, € Q3 2026: 1 099 € · +6.9% vs Q2 2026

Figures by quarter
Quarter	Turnover, €	State taxes, €	Labour taxes, €	Employees
Q3 2026	—	1 099	1 168	1
Q2 2026	—	1 028	1 094	1
Q1 2026	—	1 003	1 067	1
Q4 2025	—	1 023	1 087	1
Q3 2025	—	1 023	1 087	1
Q2 2025	—	1 023	1 087	1
Q1 2025	—	946	1 007	1
Q4 2024	—	904	963	1
Q3 2024	—	904	963	1
Q2 2024	—	904	963	1
Q1 2024	—	828	884	1
Q4 2023	—	778	831	1
Q3 2023	—	753	806	1
Q2 2023	—	753	806	1
Q1 2023	—	787	838	1
Q4 2022	—	804	854	1
Q3 2022	—	804	854	1
Q2 2022	—	804	854	1
Q1 2022	—	737	785	1

Labour taxes per employee per month

389 €

Q3 2026 · calculated from EMTA data

Financials by year

2016 – 2025

Revenue, € 2025: 39 437 € · −6.6% vs 2024 · industry median 0 € · above 90% of the industry

Company
Industry median

Industry: Financial service activities, except insurance and pension funding (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Net profit, € 2025: 20 727 € · +97.3% vs 2024 · industry median 0 € · above 79% of the industry

Company
Industry median

Industry: Financial service activities, except insurance and pension funding (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Net profit margin, % 2025: 52.6 % · +27.7 pp vs the year before · industry median 34.4 % · above 57% of the industry

Company
Industry median

Industry: Financial service activities, except insurance and pension funding (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Assets, € thousand 2025: 146 219 € · +16.6% vs 2024

Equity, € thousand 2025: 144 651 € · +16.7% vs 2024

Employees 2025: 1 · +0.0% vs 2024 · industry median 1 · above 5% of the industry

Company
Industry median

Industry: Financial service activities, except insurance and pension funding (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	39 437	20 727	14 249	146 219	144 651	1
2024	42 216	10 507	13 166	125 360	123 924	1
2023	43 786	9 947	11 766	114 718	113 417	1
2022	40 270	5 628	11 218	105 500	103 470	1
2021	34 760	2 627	8 980	99 716	97 842	1
2020	29 059	518	8 509	97 329	95 215	1
2019	32 443	-4 645	8 670	96 469	94 697	1
2018	—	—	—	—	—	1
2017	—	—	—	—	—	1
2016	—	—	—	—	—	1
2015	—	—	—	—	—	1
2014	—	—	—	—	—	1
2013	—	—	—	—	—	1
2012	—	—	—	—	—	1
2011	—	—	—	—	—	1
2010	—	—	—	—	—	1
2009	—	—	—	—	—	1
2008	—	—	—	—	—	1
2007	—	—	—	—	—	1
2006	—	—	—	—	—	0

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

52.6 %

Net profit / revenue

Return on equity (ROE)

14.3 %

Net profit / equity

Return on assets (ROA)

14.2 %

Net profit / assets

Equity ratio

98.9 %

Equity / assets

Debt ratio

1.1 %

Liabilities / assets

Current ratio

93.25

Current assets / current liabilities

Revenue per employee

39 437 €

Revenue / average full-time employees

Labour cost per employee per month

1 187 €

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	7 Jul 2026	Company’s own	e-Äriregister
2024	1 Jan 2024 – 31 Dec 2024	6 Jul 2025	Company’s own	e-Äriregister
2023	1 Jan 2023 – 31 Dec 2023	6 Jul 2024	Company’s own	e-Äriregister
2022	1 Jan 2022 – 31 Dec 2022	12 Jul 2023	Company’s own	e-Äriregister
2021	1 Jan 2021 – 31 Dec 2021	30 Jul 2022	Company’s own	e-Äriregister
2020	1 Jan 2020 – 31 Dec 2020	31 Jul 2021	Company’s own	e-Äriregister
2019	1 Jan 2019 – 31 Dec 2019	31 Oct 2020	Company’s own	e-Äriregister

Board

Galina Galitšenko
Board member · since 22 Jun 2004
German Bubin
Board member · since 22 Jun 2004

Right of representation

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

Owners

Galina Galitšenko
Natural person · 1 916 €

66.67%
German Bubin
Natural person · 958 €

33.33%

Beneficial owners

Galina Galitšenko
Direct ownership · since 17 Oct 2018
German Bubin
Direct ownership · since 17 Oct 2018

Founders and other persons

Galina Galitšenko
Founder · 30 000 € · 22 Jun 2004
German Bubin
Founder · 15 000 € · 22 Jun 2004

shared board members, owners or beneficial owners

Activities (EMTAK)

64921Pawn shops Main

Rulings 7

All rulings (PDF)

Rulings
Number, date	Title	State	Document
Ä 10081062 / 7 1 Sep 2023	Amendment entry	In force 1 Sep 2023	PDF
Ä 10081062 / 6 17 Jan 2018	Amendment entry	In force 17 Jan 2018	PDF
Ä 10081062 / 5 8 Nov 2017	Amendment entry	In force 8 Nov 2017	PDF
Ä 10081062 / 4 14 Sep 2016	Amendment entry	In force 14 Sep 2016	PDF
Ä 10081062 / 3 11 Jan 2012	Amendment entry	In force 11 Jan 2012	PDF
Ä 81062 / 2 5 Jan 2009	Deletion of activities from the registry card	In force 9 Jan 2009	PDF
Ä 81062 22 Jun 2004	First entry	In force	PDF

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

Osaühing FINETEST PANDIMAJA

Position in the industry Financial service activities, except insurance and pension funding · EMTAK 64

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 7