AS LandCredit

Active Registry code 14475149 AS Viljandi linn Registered 23 Apr 2018
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AS LandCredit is a AS based in Viljandi linn, registry code 14475149, status: active. Main activity: Other credit granting, except pawn shops. According to EMTA, turnover for Q3 2026 was €402 with 2 employees.

Turnover
402 €
↑ 43.6% vs Q2 2026
State taxes
14 252 €
↑ 1.8% vs Q2 2026
Labour taxes
14 683 €
↑ 1.5% vs Q2 2026
Employees
2
±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

  • Turnover · Q3 2026 402 €
    industry median 13 555 € · companies in the industry: 547
  • Labour taxes per employee 7 342 €
    industry median 2 214 € · companies in the industry: 443
  • Revenue · 2025 2 862 €
    industry median 0 € · companies in the industry: 3 672
  • Net profit margin · 2025 6 967.3 %
    industry median 34.4 % · companies in the industry: 770

Taxes and turnover

Q4 2023 – Q3 2026
Turnover, € Q3 2026: 402 € · +43.6% vs Q2 2026 · industry median 13 555 € · above 8% of the industry
05 00010 00015 00020 000Q4 2023 Company: 246 € Industry median: 14 078 €Q4·23Q1 2024 Company: 246 € Industry median: 17 274 €Q2 2024 Company: 276 € Industry median: 13 884 €Q2·24Q3 2024 Company: 281 € Industry median: 13 160 €Q4 2024 Company: 281 € Industry median: 15 008 €Q4·24Q1 2025 Company: 5 281 € Industry median: 16 276 €Q2 2025 Company: 290 € Industry median: 16 066 €Q2·25Q3 2025 Company: 295 € Industry median: 12 383 €Q4 2025 Company: 295 € Industry median: 15 000 €Q4·25Q1 2026 Company: 295 € Industry median: 16 305 €Q2 2026 Company: 280 € Industry median: 14 161 €Q2·26Q3 2026 Company: 402 € Industry median: 13 555 €Q3·2605 00010 00015 00020 000Q4 2024 Company: 281 € Industry median: 15 008 €Q1 2025 Company: 5 281 € Industry median: 16 276 €Q1·25Q2 2025 Company: 290 € Industry median: 16 066 €Q3 2025 Company: 295 € Industry median: 12 383 €Q3·25Q4 2025 Company: 295 € Industry median: 15 000 €Q1 2026 Company: 295 € Industry median: 16 305 €Q1·26Q2 2026 Company: 280 € Industry median: 14 161 €Q3 2026 Company: 402 € Industry median: 13 555 €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.

Labour taxes per employee, € Q3 2026: 7 342 € · +1.5% vs Q2 2026 · industry median 2 214 € · above 82% of the industry
05 00010 00015 000Q4 2023 Company: 6 948 € Industry median: 2 331 €Q4·23Q1 2024 Company: 13 280 € Industry median: 2 206 €Q2 2024 Company: 8 239 € Industry median: 2 448 €Q2·24Q3 2024 Company: 8 354 € Industry median: 2 272 €Q4 2024 Company: 7 568 € Industry median: 2 438 €Q4·24Q1 2025 Company: 7 627 € Industry median: 2 659 €Q2 2025 Company: 8 101 € Industry median: 2 225 €Q2·25Q3 2025 Company: 7 799 € Industry median: 2 338 €Q4 2025 Company: 7 500 € Industry median: 2 418 €Q4·25Q1 2026 Company: 8 449 € Industry median: 2 338 €Q2 2026 Company: 7 233 € Industry median: 2 196 €Q2·26Q3 2026 Company: 7 342 € Industry median: 2 214 €Q3·2602 0004 0006 0008 00010 000Q4 2024 Company: 7 568 € Industry median: 2 438 €Q1 2025 Company: 7 627 € Industry median: 2 659 €Q1·25Q2 2025 Company: 8 101 € Industry median: 2 225 €Q3 2025 Company: 7 799 € Industry median: 2 338 €Q3·25Q4 2025 Company: 7 500 € Industry median: 2 418 €Q1 2026 Company: 8 449 € Industry median: 2 338 €Q1·26Q2 2026 Company: 7 233 € Industry median: 2 196 €Q3 2026 Company: 7 342 € 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: 2 · +0.0% vs Q2 2026
0.00.51.01.52.0Q4 2023 Company: 2Q4·23Q1 2024 Company: 2Q2 2024 Company: 2Q2·24Q3 2024 Company: 2Q4 2024 Company: 2Q4·24Q1 2025 Company: 2Q2 2025 Company: 2Q2·25Q3 2025 Company: 2Q4 2025 Company: 2Q4·25Q1 2026 Company: 2Q2 2026 Company: 2Q2·26Q3 2026 Company: 2Q3·260.00.51.01.52.0Q4 2024 Company: 2Q1 2025 Company: 2Q1·25Q2 2025 Company: 2Q3 2025 Company: 2Q3·25Q4 2025 Company: 2Q1 2026 Company: 2Q1·26Q2 2026 Company: 2Q3 2026 Company: 2Q3·26
State taxes, € Q3 2026: 14 252 € · +1.8% vs Q2 2026
010 00020 00030 000Q4 2023 Company: 13 457 €Q4·23Q1 2024 Company: 25 639 €Q2 2024 Company: 16 555 €Q2·24Q3 2024 Company: 16 192 €Q4 2024 Company: 14 672 €Q4·24Q1 2025 Company: 16 015 €Q2 2025 Company: 15 716 €Q2·25Q3 2025 Company: 15 108 €Q4 2025 Company: 14 627 €Q4·25Q1 2026 Company: 16 592 €Q2 2026 Company: 13 998 €Q2·26Q3 2026 Company: 14 252 €Q3·2605 00010 00015 00020 000Q4 2024 Company: 14 672 €Q1 2025 Company: 16 015 €Q1·25Q2 2025 Company: 15 716 €Q3 2025 Company: 15 108 €Q3·25Q4 2025 Company: 14 627 €Q1 2026 Company: 16 592 €Q1·26Q2 2026 Company: 13 998 €Q3 2026 Company: 14 252 €Q3·26
Figures by quarter
Quarter Turnover, € State taxes, € Labour taxes, € Employees
Q3 2026 402 14 252 14 683 2
Q2 2026 280 13 998 14 465 2
Q1 2026 295 16 592 16 898 2
Q4 2025 295 14 627 15 000 2
Q3 2025 295 15 108 15 597 2
Q2 2025 290 15 716 16 201 2
Q1 2025 5 281 16 015 15 253 2
Q4 2024 281 14 672 15 135 2
Q3 2024 281 16 192 16 707 2
Q2 2024 276 16 555 16 478 2
Q1 2024 246 25 639 26 559 2
Q4 2023 246 13 457 13 896 2
Q3 2023 246 13 610 13 986 2
Q2 2023 237 16 371 16 981 2
Q1 2023 221 14 376 14 820 2
Q4 2022 260 11 439 11 459 2
Q3 2022 270 9 966 10 281 2
Q2 2022 391 10 606 10 960 2
Q1 2022 221 13 283 13 758 2
Labour taxes per employee per month
2 447 €
Turnover per employee in the quarter
201 €

Q3 2026 · calculated from EMTA data

Financials by year

2018 – 2025
Revenue, € 2025: 2 862 € · −76.7% vs 2024 · industry median 0 € · above 80% of the industry
02 5005 0007 50010 00012 5002018 Company: — Industry median: —20182019 Company: 0 € Industry median: 0 €20192020 Company: 0 € Industry median: 0 €20202021 Company: 0 € Industry median: 0 €20212022 Company: 0 € Industry median: 0 €20222023 Company: 0 € Industry median: 0 €20232024 Company: 12 259 € Industry median: 0 €20242025 Company: 2 862 € Industry median: 0 €202502 5005 0007 50010 00012 5002018 Company: — Industry median: —2019 Company: 0 € Industry median: 0 €20192020 Company: 0 € Industry median: 0 €2021 Company: 0 € Industry median: 0 €20212022 Company: 0 € Industry median: 0 €2023 Company: 0 € Industry median: 0 €20232024 Company: 12 259 € Industry median: 0 €2025 Company: 2 862 € 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: 199 403 € · −22.2% vs 2024 · industry median 0 € · above 91% of the industry
-400-20002004006002018 Company: — Industry median: —20182019 Company: -337 341 € Industry median: 0 €20192020 Company: 132 777 € Industry median: 0 €20202021 Company: 283 331 € Industry median: 0 €20212022 Company: 276 060 € Industry median: 0 €20222023 Company: 567 513 € Industry median: 0 €20232024 Company: 256 360 € Industry median: 0 €20242025 Company: 199 403 € Industry median: 0 €2025-400-20002004006002018 Company: — Industry median: —2019 Company: -337 341 € Industry median: 0 €20192020 Company: 132 777 € Industry median: 0 €2021 Company: 283 331 € Industry median: 0 €20212022 Company: 276 060 € Industry median: 0 €2023 Company: 567 513 € Industry median: 0 €20232024 Company: 256 360 € Industry median: 0 €2025 Company: 199 403 € 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: 6 967.3 % · +4 876.1 pp vs the year before · industry median 34.4 % · above 98% of the industry
02 0004 0006 0008 0002018 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: 2 091.2 % Industry median: 35.8 %20242025 Company: 6 967.3 % Industry median: 34.4 %202502 0004 0006 0008 0002018 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: 2 091.2 % Industry median: 35.8 %2025 Company: 6 967.3 % 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: 10 917 880 € · −18.5% vs 2024
05 00010 00015 00020 0002018 Company: —20182019 Company: 5 344 131 €20192020 Company: 3 763 277 €20202021 Company: 5 812 284 €20212022 Company: 8 855 712 €20222023 Company: 16 913 074 €20232024 Company: 13 399 344 €20242025 Company: 10 917 880 €202505 00010 00015 00020 0002018 Company: —2019 Company: 5 344 131 €20192020 Company: 3 763 277 €2021 Company: 5 812 284 €20212022 Company: 8 855 712 €2023 Company: 16 913 074 €20232024 Company: 13 399 344 €2025 Company: 10 917 880 €2025
Equity, € thousand 2025: 1 145 342 € · +21.1% vs 2024
05001 0001 5002018 Company: —20182019 Company: 339 898 €20192020 Company: 462 675 €20202021 Company: 746 006 €20212022 Company: 1 022 066 €20222023 Company: 1 364 579 €20232024 Company: 945 939 €20242025 Company: 1 145 342 €202505001 0001 5002018 Company: —2019 Company: 339 898 €20192020 Company: 462 675 €2021 Company: 746 006 €20212022 Company: 1 022 066 €2023 Company: 1 364 579 €20232024 Company: 945 939 €2025 Company: 1 145 342 €2025
Employees 2025: 2 · +0.0% vs 2024 · industry median 1 · above 65% of the industry
0123452018 Company: 3 Industry median: 120182019 Company: 5 Industry median: 120192020 Company: 3 Industry median: 120202021 Company: 2 Industry median: 120212022 Company: 2 Industry median: 120222023 Company: 2 Industry median: 120232024 Company: 2 Industry median: 120242025 Company: 2 Industry median: 120250123452018 Company: 3 Industry median: 12019 Company: 5 Industry median: 120192020 Company: 3 Industry median: 12021 Company: 2 Industry median: 120212022 Company: 2 Industry median: 12023 Company: 2 Industry median: 120232024 Company: 2 Industry median: 12025 Company: 2 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 2 862 199 403 110 008 10 917 880 1 145 342 2
2024 12 259 256 360 116 476 13 399 344 945 939 2
2023 0 567 513 138 497 16 913 074 1 364 579 2
2022 0 276 060 108 760 8 855 712 1 022 066 2
2021 0 283 331 95 782 5 812 284 746 006 2
2020 0 132 777 140 236 3 763 277 462 675 3
2019 0 -337 341 235 829 5 344 131 339 898 5
2018 — — — — — 3

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)
17.4 %
Net profit / equity
Return on assets (ROA)
1.8 %
Net profit / assets
Equity ratio
10.5 %
Equity / assets
Debt ratio
89.5 %
Liabilities / assets
Current ratio
1.84
Current assets / current liabilities
Labour cost per employee per month
4 584 €
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 13 Mar 2026 Company’s own · audited e-Äriregister
2024 1 Jan 2024 – 31 Dec 2024 7 Apr 2025 Company’s own · audited e-Äriregister
2023 1 Jan 2023 – 31 Dec 2023 13 May 2024 Company’s own · audited e-Äriregister
2022 1 Jan 2022 – 31 Dec 2022 6 Jun 2023 Company’s own · audited e-Äriregister
2021 1 Jan 2021 – 31 Dec 2021 16 May 2022 Company’s own · audited e-Äriregister
2020 1 Jan 2020 – 31 Dec 2020 30 Apr 2021 Company’s own · audited e-Äriregister
2019 1 Jan 2019 – 31 Dec 2019 30 Jun 2020 Company’s own · audited e-Äriregister

Board

  • Nasdaq CSD SE
    Keeper of the share ledger · since 1 Oct 2018
  • Matis Kivila
    Board member · since 31 Mar 2020

Right of representation

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

Owners

No owner information.

Beneficial owners

  • Aivar Berzin
    Over 50% of voting rights in the consolidated entity · since 3 Sep 2018

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 50092747 / 6
11 May 2020
Amendment entry In force
11 May 2020
PDF
Ä 50092747 / 5
31 Mar 2020
Amendment entry In force
31 Mar 2020
PDF
Ä 50092747 / 4
1 Nov 2018
Amendment entry In force
1 Nov 2018
PDF
Ä 50092747 / 3
1 Oct 2018
Amendment entry In force
1 Oct 2018
PDF
Ä 50092747 / 2
3 May 2018
Amendment entry In force
3 May 2018
PDF
Ä 50092747
23 Apr 2018
First entry In force
23 Apr 2018
PDF

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