Lending System OÜ is a OÜ based in Ülejõe küla, registry code 12094667, status: active. Main activity: Construction of residential and non-residential buildings. According to EMTA, turnover for Q3 2026 was €4 216 with 2 employees.
Turnover
4 216 €
↑ 216.0%vs Q2 2026
State taxes
1 683 €
↓ 12.0%vs Q2 2026
Labour taxes
1 024 €
↓ 50.0%vs Q2 2026
Employees
2
±0vs Q2 2026
Q3 2026 · data from the Tax and Customs Board (EMTA)
Position in the industry Construction of residential and non-residential buildings · EMTAK 41
Turnover · Q3 20264 216 €
above 14% of companies
industry median 25 252 € · companies in the industry: 4 696
Labour taxes per employee512 €
above 13% of companies
industry median 1 211 € · companies in the industry: 4 133
Revenue · 202579 228 €
above 64% of companies
industry median 38 239 € · companies in the industry: 7 000
Net profit margin · 202510.0 %
above 66% of companies
industry median 3.5 % · companies in the industry: 5 562
Taxes and turnover
Q4 2023 – Q3 2026
Turnover, € Q3 2026: 4 216 € · +216.0% vs Q2 2026 · industry median 25 252 € · above 14% of the industry
Company
Industry median
Industry: Construction of residential and non-residential buildings (the EMTAK division of the main activity). Median: half of the industry is above, half below.
Labour taxes per employee, € Q3 2026: 512 € · −50.0% vs Q2 2026 · industry median 1 211 € · above 13% of the industry
Company
Industry median
Industry: Construction of residential and non-residential buildings (the EMTAK division of the main activity). Median: half of the industry is above, half below.
EmployeesQ3 2026: 2 · +0.0% vs Q2 2026State taxes, € Q3 2026: 1 683 € · −12.0% vs Q2 2026
Figures by quarter
Quarter
Turnover, €
State taxes, €
Labour taxes, €
Employees
Q3 2026
4 216
1 683
1 024
2
Q2 2026
1 334
1 912
2 048
2
Q1 2026
19 859
6 037
2 740
2
Q4 2025
42 392
5 841
1 999
2
Q3 2025
11 266
3 081
1 999
2
Q2 2025
8 028
2 871
1 954
2
Q1 2025
19 468
5 072
1 874
2
Q4 2024
43 967
5 378
1 725
2
Q3 2024
12 713
1 672
1 582
2
Q2 2024
9 027
1 910
1 545
2
Q1 2024
5 545
2 208
1 627
2
Q4 2023
13 142
3 083
1 681
2
Q3 2023
4 439
1 874
1 681
2
Q2 2023
5 669
1 512
1 552
2
Q1 2023
7 985
2 486
1 584
2
Q4 2022
15 116
3 659
1 605
2
Q3 2022
4 068
1 721
1 605
2
Q2 2022
6 016
1 338
1 070
2
Q1 2022
7 085
1 737
1 605
2
Labour taxes per employee per month
171 €
Turnover per employee in the quarter
2 108 €
Q3 2026 · calculated from EMTA data
Financials by year
2016 – 2025
Revenue, € 2025: 79 228 € · +0.0% vs 2024 · industry median 38 239 € · above 64% of the industry
Company
Industry median
Industry: Construction of residential and non-residential buildings (the EMTAK division of the main activity). Median: half of the industry is above, half below.
Net profit, € 2025: 7 960 € · −44.0% vs 2024 · industry median 410 € · above 73% of the industry
Company
Industry median
Industry: Construction of residential and non-residential buildings (the EMTAK division of the main activity). Median: half of the industry is above, half below.
Net profit margin, % 2025: 10.0 % · −7.9 pp vs the year before · industry median 3.5 % · above 66% of the industry
Company
Industry median
Industry: Construction of residential and non-residential buildings (the EMTAK division of the main activity). Median: half of the industry is above, half below.
Assets, € 2025: 38 348 € · +57.7% vs 2024Equity, € 2025: 23 701 € · +50.6% vs 2024Employees2025: 2 · +0.0% vs 2024 · industry median 2 · above 50% of the industry
Company
Industry median
Industry: Construction of residential and non-residential buildings (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
79 228
7 960
26 701
38 348
23 701
2
2024
79 209
14 202
20 335
24 323
15 741
2
2023
33 278
-7 226
21 566
15 844
1 539
2
2022
32 216
-8 363
19 100
8 877
5 766
2
2021
26 231
-12 236
16 771
16 507
14 129
2
2020
35 379
-2 529
19 856
29 140
26 365
2
2019
53 583
7 635
25 603
32 915
28 894
2
2018
—
—
—
—
—
2
2017
—
—
—
—
—
1
2016
—
—
—
—
—
1
2015
—
—
—
—
—
1
2014
—
—
—
—
—
1
2013
—
—
—
—
—
0
2012
—
—
—
—
—
0
2011
—
—
—
—
—
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
10.0 %
Net profit / revenue
Return on equity (ROE)
33.6 %
Net profit / equity
Return on assets (ROA)
20.8 %
Net profit / assets
Equity ratio
61.8 %
Equity / assets
Debt ratio
38.2 %
Liabilities / assets
Current ratio
1.71
Current assets / current liabilities
Revenue per employee
39 614 €
Revenue / average full-time employees
Labour cost per employee per month
1 113 €
Labour costs / employees / 12 months (incl. employer taxes)
