Rävala Laenud OÜ

Active Registry code 12629269 OÜ Tallinn Registered 14 Mar 2014
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Rävala Laenud OÜ is a OÜ based in Tallinn, registry code 12629269, status: active. Main activity: Other credit granting, except pawn shops. Its annual report for 2025 shows revenue of €131 975 and 5 employees.

Turnover
—
State taxes
30 518 €
↓ 88.5% vs Q2 2026
Labour taxes
32 669 €
↑ 56.9% vs Q2 2026
Employees
6
+1 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 5 445 €
    industry median 2 214 € · companies in the industry: 443
  • Revenue · 2025 131 975 €
    industry median 0 € · companies in the industry: 3 672
  • Net profit margin · 2025 1 167.9 %
    industry median 34.4 % · companies in the industry: 770

Taxes and turnover

Q4 2023 – Q3 2026
Labour taxes per employee, € Q3 2026: 5 445 € · +30.8% vs Q2 2026 · industry median 2 214 € · above 73% of the industry
02 0004 0006 0008 000Q4 2023 Company: 4 266 € Industry median: 2 331 €Q4·23Q1 2024 Company: 4 348 € Industry median: 2 206 €Q2 2024 Company: 3 521 € Industry median: 2 448 €Q2·24Q3 2024 Company: 4 523 € Industry median: 2 272 €Q4 2024 Company: 3 302 € Industry median: 2 438 €Q4·24Q1 2025 Company: 5 003 € Industry median: 2 659 €Q2 2025 Company: 3 991 € Industry median: 2 225 €Q2·25Q3 2025 Company: 4 072 € Industry median: 2 338 €Q4 2025 Company: 4 057 € Industry median: 2 418 €Q4·25Q1 2026 Company: 6 085 € Industry median: 2 338 €Q2 2026 Company: 4 163 € Industry median: 2 196 €Q2·26Q3 2026 Company: 5 445 € Industry median: 2 214 €Q3·2602 0004 0006 0008 000Q4 2024 Company: 3 302 € Industry median: 2 438 €Q1 2025 Company: 5 003 € Industry median: 2 659 €Q1·25Q2 2025 Company: 3 991 € Industry median: 2 225 €Q3 2025 Company: 4 072 € Industry median: 2 338 €Q3·25Q4 2025 Company: 4 057 € Industry median: 2 418 €Q1 2026 Company: 6 085 € Industry median: 2 338 €Q1·26Q2 2026 Company: 4 163 € Industry median: 2 196 €Q3 2026 Company: 5 445 € Industry median: 2 214 €Q3·26
  • 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: 6 · +20.0% vs Q2 2026
0246Q4 2023 Company: 4Q4·23Q1 2024 Company: 4Q2 2024 Company: 4Q2·24Q3 2024 Company: 4Q4 2024 Company: 5Q4·24Q1 2025 Company: 5Q2 2025 Company: 5Q2·25Q3 2025 Company: 5Q4 2025 Company: 5Q4·25Q1 2026 Company: 5Q2 2026 Company: 5Q2·26Q3 2026 Company: 6Q3·260246Q4 2024 Company: 5Q1 2025 Company: 5Q1·25Q2 2025 Company: 5Q3 2025 Company: 5Q3·25Q4 2025 Company: 5Q1 2026 Company: 5Q1·26Q2 2026 Company: 5Q3 2026 Company: 6Q3·26
State taxes, € thousand Q3 2026: 30 518 € · −88.5% vs Q2 2026
0100200300Q4 2023 Company: 16 672 €Q4·23Q1 2024 Company: 16 853 €Q2 2024 Company: 90 776 €Q2·24Q3 2024 Company: 17 722 €Q4 2024 Company: 15 674 €Q4·24Q1 2025 Company: 23 521 €Q2 2025 Company: 262 375 €Q2·25Q3 2025 Company: 18 943 €Q4 2025 Company: 19 136 €Q4·25Q1 2026 Company: 28 320 €Q2 2026 Company: 265 800 €Q2·26Q3 2026 Company: 30 518 €Q3·260100200300Q4 2024 Company: 15 674 €Q1 2025 Company: 23 521 €Q1·25Q2 2025 Company: 262 375 €Q3 2025 Company: 18 943 €Q3·25Q4 2025 Company: 19 136 €Q1 2026 Company: 28 320 €Q1·26Q2 2026 Company: 265 800 €Q3 2026 Company: 30 518 €Q3·26
Figures by quarter
Quarter Turnover, € State taxes, € Labour taxes, € Employees
Q3 2026 — 30 518 32 669 6
Q2 2026 — 265 800 20 816 5
Q1 2026 — 28 320 30 423 5
Q4 2025 — 19 136 20 284 5
Q3 2025 — 18 943 20 362 5
Q2 2025 — 262 375 19 956 5
Q1 2025 — 23 521 25 014 5
Q4 2024 — 15 674 16 512 5
Q3 2024 — 17 722 18 092 4
Q2 2024 — 90 776 14 083 4
Q1 2024 — 16 853 17 391 4
Q4 2023 — 16 672 17 064 4
Q3 2023 — 18 836 19 412 4
Q2 2023 — 89 925 13 828 4
Q1 2023 — 16 957 17 571 4
Q4 2022 — 12 531 13 397 4
Q3 2022 — 11 389 11 850 4
Q2 2022 — 103 197 11 871 3
Q1 2022 — 13 973 14 738 3
Labour taxes per employee per month
1 815 €

Q3 2026 · calculated from EMTA data

Financials by year

2016 – 2025
Revenue, € thousand 2025: 131 975 € · −4.7% vs 2024 · industry median 0 € · above 98% of the industry
0501001502016 Company: — Industry median: —20162017 Company: — Industry median: —20172018 Company: — Industry median: —20182019 Company: — Industry median: 0 €20192020 Company: — Industry median: 0 €20202021 Company: — Industry median: 0 €20212022 Company: — Industry median: 0 €20222023 Company: — Industry median: 0 €20232024 Company: 138 554 € Industry median: 0 €20242025 Company: 131 975 € Industry median: 0 €20250501001502018 Company: — Industry median: —2019 Company: — Industry median: 0 €20192020 Company: — Industry median: 0 €2021 Company: — Industry median: 0 €20212022 Company: — Industry median: 0 €2023 Company: — Industry median: 0 €20232024 Company: 138 554 € Industry median: 0 €2025 Company: 131 975 € Industry median: 0 €2025
  • 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, € thousand 2025: 1 541 297 € · −10.8% vs 2024 · industry median 0 € · above 98% of the industry
05001 0001 5002 0002016 Company: — Industry median: —20162017 Company: — Industry median: —20172018 Company: — Industry median: —20182019 Company: 571 939 € Industry median: 0 €20192020 Company: 651 576 € Industry median: 0 €20202021 Company: 918 805 € Industry median: 0 €20212022 Company: 1 032 954 € Industry median: 0 €20222023 Company: 1 492 263 € Industry median: 0 €20232024 Company: 1 727 509 € Industry median: 0 €20242025 Company: 1 541 297 € Industry median: 0 €202505001 0001 5002 0002018 Company: — Industry median: —2019 Company: 571 939 € Industry median: 0 €20192020 Company: 651 576 € Industry median: 0 €2021 Company: 918 805 € Industry median: 0 €20212022 Company: 1 032 954 € Industry median: 0 €2023 Company: 1 492 263 € Industry median: 0 €20232024 Company: 1 727 509 € Industry median: 0 €2025 Company: 1 541 297 € Industry median: 0 €2025
  • 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: 1 167.9 % · −78.9 pp vs the year before · industry median 34.4 % · above 98% of the industry
02505007501 0001 2502016 Company: — Industry median: —20162017 Company: — Industry median: —20172018 Company: — Industry median: —20182019 Company: — Industry median: 39.3 %20192020 Company: — Industry median: 42.1 %20202021 Company: — Industry median: 45.0 %20212022 Company: — Industry median: 26.3 %20222023 Company: — Industry median: 41.1 %20232024 Company: 1 246.8 % Industry median: 35.8 %20242025 Company: 1 167.9 % Industry median: 34.4 %202502505007501 0001 2502018 Company: — Industry median: —2019 Company: — Industry median: 39.3 %20192020 Company: — Industry median: 42.1 %2021 Company: — Industry median: 45.0 %20212022 Company: — Industry median: 26.3 %2023 Company: — Industry median: 41.1 %20232024 Company: 1 246.8 % Industry median: 35.8 %2025 Company: 1 167.9 % Industry median: 34.4 %2025
  • 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: 42 503 226 € · +67.5% vs 2024
010 00020 00030 00040 00050 0002016 Company: —20162017 Company: —20172018 Company: —20182019 Company: 8 563 477 €20192020 Company: 11 926 757 €20202021 Company: 14 816 416 €20212022 Company: 18 136 736 €20222023 Company: 25 831 784 €20232024 Company: 25 372 466 €20242025 Company: 42 503 226 €2025010 00020 00030 00040 00050 0002018 Company: —2019 Company: 8 563 477 €20192020 Company: 11 926 757 €2021 Company: 14 816 416 €20212022 Company: 18 136 736 €2023 Company: 25 831 784 €20232024 Company: 25 372 466 €2025 Company: 42 503 226 €2025
Equity, € thousand 2025: 6 909 361 € · +10.9% vs 2024
02 0004 0006 0008 0002016 Company: —20162017 Company: —20172018 Company: —20182019 Company: 1 522 750 €20192020 Company: 2 174 326 €20202021 Company: 3 093 131 €20212022 Company: 3 757 473 €20222023 Company: 4 899 667 €20232024 Company: 6 232 825 €20242025 Company: 6 909 361 €202502 0004 0006 0008 0002018 Company: —2019 Company: 1 522 750 €20192020 Company: 2 174 326 €2021 Company: 3 093 131 €20212022 Company: 3 757 473 €2023 Company: 4 899 667 €20232024 Company: 6 232 825 €2025 Company: 6 909 361 €2025
Employees 2025: 5 · +25.0% vs 2024 · industry median 1 · above 86% of the industry
0123452016 Company: 1 Industry median: —20162017 Company: 1 Industry median: —20172018 Company: 2 Industry median: 120182019 Company: 2 Industry median: 120192020 Company: 3 Industry median: 120202021 Company: 3 Industry median: 120212022 Company: 3 Industry median: 120222023 Company: 4 Industry median: 120232024 Company: 4 Industry median: 120242025 Company: 5 Industry median: 120250123452018 Company: 2 Industry median: 12019 Company: 2 Industry median: 120192020 Company: 3 Industry median: 12021 Company: 3 Industry median: 120212022 Company: 3 Industry median: 12023 Company: 4 Industry median: 120232024 Company: 4 Industry median: 12025 Company: 5 Industry median: 12025
  • 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 131 975 1 541 297 206 327 42 503 226 6 909 361 5
2024 138 554 1 727 509 167 517 25 372 466 6 232 825 4
2023 — 1 492 263 149 699 25 831 784 4 899 667 4
2022 — 1 032 954 124 322 18 136 736 3 757 473 3
2021 — 918 805 101 410 14 816 416 3 093 131 3
2020 — 651 576 92 719 11 926 757 2 174 326 3
2019 — 571 939 76 398 8 563 477 1 522 750 2
2018 — — — — — 2
2017 — — — — — 1
2016 — — — — — 1
2015 — — — — — 1
2014 — — — — — 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

Return on equity (ROE)
22.3 %
Net profit / equity
Return on assets (ROA)
3.6 %
Net profit / assets
Equity ratio
16.3 %
Equity / assets
Debt ratio
83.7 %
Liabilities / assets
Current ratio
9.34
Current assets / current liabilities
Labour cost per employee per month
3 439 €
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 30 Jun 2026 Company’s own · audited e-Äriregister
2024 1 Jan 2024 – 31 Dec 2024 30 Jun 2025 Company’s own · audited e-Äriregister
2023 1 Jan 2023 – 31 Dec 2023 30 Jun 2024 Company’s own · audited e-Äriregister
2022 1 Jan 2022 – 31 Dec 2022 30 Jun 2023 Company’s own · audited e-Äriregister
2021 1 Jan 2021 – 31 Dec 2021 30 Jun 2022 Company’s own · audited e-Äriregister
2020 1 Jan 2020 – 31 Dec 2020 29 Jun 2021 Company’s own · audited e-Äriregister
2019 1 Jan 2019 – 31 Dec 2019 30 Jun 2020 Company’s own · audited e-Äriregister

Board

  • Toomas Paju
    Board member · since 14 Mar 2014
  • Nasdaq CSD SE
    Keeper of the share register · since 2 Jul 2021

Right of representation

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

Owners

Beneficial owners

Founders and other persons

shared board members, owners or beneficial owners

Activities (EMTAK)

  • 64929Other credit granting, except pawn shops Main
Rulings
Number, date Title Deadline State Document
Ä 10193770 / 8
2 Jul 2021
Amendment entry In force
2 Jul 2021
PDF
Ä 10193770 / 7
5 Jun 2018
Amendment under Commercial Code § 525 (2) In force
5 Jun 2018
PDF
Ä 10193770 / 6
19 Jan 2018
Amendment entry In force
19 Jan 2018
PDF
Ä 10193770 / 5
7 Dec 2017
Amendment entry In force
7 Dec 2017
PDF
Ä 10193770 / 4
23 Sep 2016
Amendment entry In force
23 Sep 2016
PDF
Ä 10193770 / 3
13 Jan 2016
Amendment entry In force
13 Jan 2016
PDF
Ä 10193770 / 2
18 Aug 2015
Amendment entry In force
18 Aug 2015
PDF
Ä 10193770 / M3
29 Jul 2015
Ruling to eliminate deficiencies 18 Aug 2015 Deficiencies eliminated
18 Aug 2015
PDF
Ä 10193770 / M2
28 Jul 2015
Ruling to eliminate deficiencies 7 Aug 2015 Deficiencies eliminated
18 Aug 2015
PDF
Ä 10193770
14 Mar 2014
First entry In force
14 Mar 2014
PDF
Ä 10193770 / M1
11 Mar 2014
Ruling to eliminate deficiencies 10 Apr 2014 Deficiencies eliminated
14 Mar 2014
PDF

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