Spectro Finance OÜ

Active Registry code 14608294 OÜ Tallinn Registered 16 Nov 2018
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Spectro Finance OÜ is a OÜ based in Tallinn, registry code 14608294, status: active. Main activity: Other financial service activities, except insurance and pension funding n.e.c.. Its annual report for 2024 shows revenue of €1 430 068 and 5 employees.

Turnover
—
State taxes
21 988 €
↑ 9.7% vs Q2 2026
Labour taxes
23 499 €
↑ 10.1% vs Q2 2026
Employees
6
±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 3 917 €
    industry median 2 214 € · companies in the industry: 443
  • Revenue · 2024 1.4 mn €
    industry median 0 € · companies in the industry: 3 793
  • Net profit margin · 2024 4.5 %
    industry median 35.8 % · companies in the industry: 911

Taxes and turnover

Q4 2023 – Q3 2026
Labour taxes per employee, € Q3 2026: 3 917 € · +10.1% vs Q2 2026 · industry median 2 214 € · above 63% of the industry
02 0004 0006 0008 00010 000Q4 2023 Company: 8 214 € Industry median: 2 331 €Q4·23Q1 2024 Company: 6 345 € Industry median: 2 206 €Q2 2024 Company: 2 623 € Industry median: 2 448 €Q2·24Q3 2024 Company: 5 690 € Industry median: 2 272 €Q4 2024 Company: 2 880 € Industry median: 2 438 €Q4·24Q1 2025 Company: 3 725 € Industry median: 2 659 €Q2 2025 Company: 2 320 € Industry median: 2 225 €Q2·25Q3 2025 Company: 2 057 € Industry median: 2 338 €Q4 2025 Company: 2 489 € Industry median: 2 418 €Q4·25Q1 2026 Company: 3 108 € Industry median: 2 338 €Q2 2026 Company: 3 556 € Industry median: 2 196 €Q2·26Q3 2026 Company: 3 917 € Industry median: 2 214 €Q3·2601 0002 0003 0004 000Q4 2024 Company: 2 880 € Industry median: 2 438 €Q1 2025 Company: 3 725 € Industry median: 2 659 €Q1·25Q2 2025 Company: 2 320 € Industry median: 2 225 €Q3 2025 Company: 2 057 € Industry median: 2 338 €Q3·25Q4 2025 Company: 2 489 € Industry median: 2 418 €Q1 2026 Company: 3 108 € Industry median: 2 338 €Q1·26Q2 2026 Company: 3 556 € Industry median: 2 196 €Q3 2026 Company: 3 917 € 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 · +0.0% vs Q2 2026
02468Q4 2023 Company: 2Q4·23Q1 2024 Company: 2Q2 2024 Company: 4Q2·24Q3 2024 Company: 3Q4 2024 Company: 4Q4·24Q1 2025 Company: 4Q2 2025 Company: 5Q2·25Q3 2025 Company: 8Q4 2025 Company: 8Q4·25Q1 2026 Company: 7Q2 2026 Company: 6Q2·26Q3 2026 Company: 6Q3·2602468Q4 2024 Company: 4Q1 2025 Company: 4Q1·25Q2 2025 Company: 5Q3 2025 Company: 8Q3·25Q4 2025 Company: 8Q1 2026 Company: 7Q1·26Q2 2026 Company: 6Q3 2026 Company: 6Q3·26
State taxes, € Q3 2026: 21 988 € · +9.7% vs Q2 2026
05 00010 00015 00020 00025 000Q4 2023 Company: 15 474 €Q4·23Q1 2024 Company: 12 067 €Q2 2024 Company: 9 942 €Q2·24Q3 2024 Company: 16 234 €Q4 2024 Company: 10 734 €Q4·24Q1 2025 Company: 13 810 €Q2 2025 Company: 10 904 €Q2·25Q3 2025 Company: 15 538 €Q4 2025 Company: 18 664 €Q4·25Q1 2026 Company: 20 446 €Q2 2026 Company: 20 037 €Q2·26Q3 2026 Company: 21 988 €Q3·2605 00010 00015 00020 00025 000Q4 2024 Company: 10 734 €Q1 2025 Company: 13 810 €Q1·25Q2 2025 Company: 10 904 €Q3 2025 Company: 15 538 €Q3·25Q4 2025 Company: 18 664 €Q1 2026 Company: 20 446 €Q1·26Q2 2026 Company: 20 037 €Q3 2026 Company: 21 988 €Q3·26
Figures by quarter
Quarter Turnover, € State taxes, € Labour taxes, € Employees
Q3 2026 — 21 988 23 499 6
Q2 2026 — 20 037 21 337 6
Q1 2026 — 20 446 21 753 7
Q4 2025 — 18 664 19 909 8
Q3 2025 — 15 538 16 452 8
Q2 2025 — 10 904 11 598 5
Q1 2025 — 13 810 14 901 4
Q4 2024 — 10 734 11 520 4
Q3 2024 — 16 234 17 069 3
Q2 2024 — 9 942 10 492 4
Q1 2024 — 12 067 12 690 2
Q4 2023 — 15 474 16 428 2
Q3 2023 — 14 683 15 577 4
Q2 2023 — 20 552 21 966 3
Q1 2023 — 9 525 10 719 4
Q4 2022 — 32 912 34 897 4
Q3 2022 — 31 131 33 256 5
Q2 2022 — 20 359 21 842 5
Q1 2022 — 10 699 11 380 2
Labour taxes per employee per month
1 306 €

Q3 2026 · calculated from EMTA data

Financials by year

2019 – 2024
Revenue, € thousand 2024: 1 430 068 € · +137.8% vs 2023 · industry median 0 € · above 98% of the industry
05001 0001 5002019 Company: 100 000 € Industry median: 0 €20192020 Company: 110 000 € Industry median: 0 €20202021 Company: 356 852 € Industry median: 0 €20212022 Company: 891 542 € Industry median: 0 €20222023 Company: 601 452 € Industry median: 0 €20232024 Company: 1 430 068 € Industry median: 0 €202405001 0001 5002019 Company: 100 000 € Industry median: 0 €2020 Company: 110 000 € Industry median: 0 €20202021 Company: 356 852 € Industry median: 0 €2022 Company: 891 542 € Industry median: 0 €20222023 Company: 601 452 € Industry median: 0 €2024 Company: 1 430 068 € Industry median: 0 €2024
  • 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 2024: 64 085 € · +130.0% vs 2023 · industry median 0 € · above 84% of the industry
-400-20002004002019 Company: -1 235 € Industry median: 0 €20192020 Company: -88 458 € Industry median: 0 €20202021 Company: 43 177 € Industry median: 0 €20212022 Company: 288 755 € Industry median: 0 €20222023 Company: -213 949 € Industry median: 0 €20232024 Company: 64 085 € Industry median: 0 €2024-400-20002004002019 Company: -1 235 € Industry median: 0 €2020 Company: -88 458 € Industry median: 0 €20202021 Company: 43 177 € Industry median: 0 €2022 Company: 288 755 € Industry median: 0 €20222023 Company: -213 949 € Industry median: 0 €2024 Company: 64 085 € Industry median: 0 €2024
  • 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, % 2024: 4.5 % · +40.1 pp vs the year before · industry median 35.8 % · above 28% of the industry
-100-500502019 Company: -1.2 % Industry median: 39.3 %20192020 Company: -80.4 % Industry median: 42.1 %20202021 Company: 12.1 % Industry median: 45.0 %20212022 Company: 32.4 % Industry median: 26.3 %20222023 Company: -35.6 % Industry median: 41.1 %20232024 Company: 4.5 % Industry median: 35.8 %2024-100-500502019 Company: -1.2 % Industry median: 39.3 %2020 Company: -80.4 % Industry median: 42.1 %20202021 Company: 12.1 % Industry median: 45.0 %2022 Company: 32.4 % Industry median: 26.3 %20222023 Company: -35.6 % Industry median: 41.1 %2024 Company: 4.5 % Industry median: 35.8 %2024
  • 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 2024: 23 685 573 € · +52.1% vs 2023
05 00010 00015 00020 00025 0002019 Company: 130 088 €20192020 Company: 553 190 €20202021 Company: 11 683 353 €20212022 Company: 8 724 434 €20222023 Company: 15 575 211 €20232024 Company: 23 685 573 €202405 00010 00015 00020 00025 0002019 Company: 130 088 €2020 Company: 553 190 €20202021 Company: 11 683 353 €2022 Company: 8 724 434 €20222023 Company: 15 575 211 €2024 Company: 23 685 573 €2024
Equity, € thousand 2024: 342 171 € · +23.0% vs 2023
-20002004006002019 Company: 18 765 €20192020 Company: -69 693 €20202021 Company: -26 516 €20212022 Company: 492 239 €20222023 Company: 278 087 €20232024 Company: 342 171 €2024-20002004006002019 Company: 18 765 €2020 Company: -69 693 €20202021 Company: -26 516 €2022 Company: 492 239 €20222023 Company: 278 087 €2024 Company: 342 171 €2024
Employees 2024: 5 · +25.0% vs 2023 · industry median 1 · above 87% of the industry
0123452019 Company: 2 Industry median: 120192020 Company: 1 Industry median: 120202021 Company: 1 Industry median: 120212022 Company: 4 Industry median: 120222023 Company: 4 Industry median: 120232024 Company: 5 Industry median: 120240123452019 Company: 2 Industry median: 12020 Company: 1 Industry median: 120202021 Company: 1 Industry median: 12022 Company: 4 Industry median: 120222023 Company: 4 Industry median: 12024 Company: 5 Industry median: 12024
  • 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
2024 1 430 068 64 085 507 226 23 685 573 342 171 5
2023 601 452 -213 949 173 043 15 575 211 278 087 4
2022 891 542 288 755 256 836 8 724 434 492 239 4
2021 356 852 43 177 56 027 11 683 353 -26 516 1
2020 110 000 -88 458 84 735 553 190 -69 693 1
2019 100 000 -1 235 75 897 130 088 18 765 2

Figures from the company’s own (non-consolidated) balance sheet and income statement. A loss is shown with a minus sign.

Financial ratios for 2024

Net profit margin
4.5 %
Net profit / revenue
Return on equity (ROE)
18.7 %
Net profit / equity
Return on assets (ROA)
0.3 %
Net profit / assets
Equity ratio
1.4 %
Equity / assets
Debt ratio
98.6 %
Liabilities / assets
Current ratio
422.53
Current assets / current liabilities
Revenue per employee
286 014 €
Revenue / average full-time employees
Labour cost per employee per month
8 454 €
Labour costs / employees / 12 months (incl. employer taxes)

Annual reports

PDFs from e-Äriregister
Annual reports
Year Period Filed Report Documents
2024 1 Jan 2024 – 31 Dec 2024 20 Oct 2025 Company’s own · audited e-Äriregister
2023 1 Jan 2023 – 31 Dec 2023 23 Jan 2025 Company’s own · audited e-Äriregister
2022 1 Jan 2022 – 31 Dec 2022 11 Oct 2023 Company’s own · audited e-Äriregister
2021 1 Jan 2021 – 31 Dec 2021 7 Sep 2022 Company’s own · audited e-Äriregister
2020 1 Jan 2020 – 31 Dec 2020 30 Jun 2021 Company’s own e-Äriregister
2019 16 Nov 2018 – 31 Dec 2019 3 Jun 2020 Company’s own e-Äriregister

Board

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)

  • 64991Other financial service activities, except insurance and pension funding n.e.c. Main
Rulings
Number, date Title Deadline State Document
Ä 50107151 / 13
2 Jun 2026
Amendment entry In force
2 Jun 2026
PDF
Ä 50107151 / M5
29 May 2026
Ruling to eliminate deficiencies 13 Jun 2026 Deficiencies eliminated
2 Jun 2026
PDF
Ä 50107151 / 12
27 Mar 2026
Amendment entry In force
27 Mar 2026
PDF
Ä 50107151 / 11
13 Oct 2025
Amendment entry In force
13 Oct 2025
PDF
Ä 50107151 / 10
28 Aug 2025
Entry refused: deficiencies not eliminated In force
15 Sep 2025
PDF
Ä 50107151 / M4
6 Aug 2025
Ruling to eliminate deficiencies 21 Aug 2025 In force
22 Aug 2025
PDF
Ä 50107151 / M3
14 Jul 2024
Warning of a fine: annual report not filed 13 Aug 2024 Deficiencies eliminated
9 Aug 2024
PDF
Ä 50107151 / 9
4 Oct 2023
Amendment entry In force
4 Oct 2023
PDF
Ä 50107151 / 8
2 Sep 2023
Amendment entry In force
2 Sep 2023
PDF
Ä 50107151 / 7
29 Apr 2022
Amendment entry In force
29 Apr 2022
PDF
Ä 50107151 / M2
14 Apr 2022
Ruling to eliminate deficiencies 4 May 2022 Deficiencies eliminated
29 Apr 2022
PDF
Ä 50107151 / M1
23 Mar 2022
Warning of compulsory dissolution: insufficient net assets 23 Sep 2022 Deficiencies eliminated
4 Oct 2022
PDF
Ä 50107151 / 6
10 Jun 2020
Amendment entry In force
10 Jun 2020
PDF
Ä 50107151 / 5
6 May 2020
Amendment entry In force
6 May 2020
PDF
Ä 50107151 / 4
29 May 2019
Amendment entry In force
29 May 2019
PDF
Ä 50107151 / 3
29 Jan 2019
Amendment under Commercial Code § 525 (2) In force
29 Jan 2019
PDF
Ä 50107151 / 2
21 Jan 2019
Amendment entry In force
21 Jan 2019
PDF
Ä 50107151
16 Nov 2018
First entry In force
16 Nov 2018
PDF

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