ESTO Holdings OÜ

Active Registry code 14996345 OÜ Tallinn Registered 26 Jun 2020

ESTO Holdings OÜ is a OÜ based in Tallinn, registry code 14996345, status: active. Main activity: Other credit granting, except pawn shops. According to EMTA, turnover for Q3 2026 was €661 937 with 38 employees.

Turnover

661 937 €

↓ 3.1% vs Q2 2026

State taxes

346 350 €

↑ 14.0% vs Q2 2026

Labour taxes

355 209 €

↑ 13.0% vs Q2 2026

Employees

−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

Turnover · Q3 2026 661 937 €

above 92% of companies

industry median 13 555 € · companies in the industry: 547
Labour taxes per employee 9 348 €

above 88% of companies

industry median 2 214 € · companies in the industry: 443
Revenue · 2025 5.9 mn €

above 98% of companies

industry median 0 € · companies in the industry: 3 672
Net profit margin · 2025 -44.9 %

above 14% of companies

industry median 34.4 % · companies in the industry: 770

Taxes and turnover

Q4 2023 – Q3 2026

Turnover, € thousand Q3 2026: 661 937 € · −3.1% vs Q2 2026 · industry median 13 555 € · above 92% 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.

Labour taxes per employee, € Q3 2026: 9 348 € · +15.9% vs Q2 2026 · industry median 2 214 € · above 88% 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: 38 · −2.6% vs Q2 2026

State taxes, € thousand Q3 2026: 346 350 € · +14.0% vs Q2 2026

Figures by quarter
Quarter	Turnover, €	State taxes, €	Labour taxes, €	Employees
Q3 2026	661 937	346 350	355 209	38
Q2 2026	683 132	303 769	314 423	39
Q1 2026	595 044	280 858	289 646	37
Q4 2025	523 714	223 885	240 298	31
Q3 2025	485 077	203 029	207 441	25
Q2 2025	446 119	160 393	171 625	24
Q1 2025	376 693	159 215	163 096	23
Q4 2024	383 282	115 734	121 982	22
Q3 2024	375 630	106 692	112 706	20
Q2 2024	353 209	105 202	112 146	18
Q1 2024	383 160	106 623	108 094	18
Q4 2023	413 672	92 658	94 403	19
Q3 2023	472 608	81 534	79 605	17
Q2 2023	479 413	63 015	64 278	17
Q1 2023	397 726	69 012	51 881	13
Q4 2022	477 453	74 116	65 559	13
Q3 2022	417 758	77 672	69 245	15
Q2 2022	336 914	21 792	9 604	15
Q1 2022	260 681	13 425	9 842	10

Labour taxes per employee per month

3 116 €

Turnover per employee in the quarter

17 419 €

Q3 2026 · calculated from EMTA data

Financials by year

2020 – 2025

Revenue, € thousand 2025: 5 869 103 € · +31.9% vs 2024 · industry median 0 € · above 98% 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, € thousand 2025: -2 634 000 € · −11.2% vs 2024 · industry median 0 € · above 2% 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: -44.9 % · +8.4 pp vs the year before · industry median 34.4 % · above 14% 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: 75 121 000 € · +14.2% vs 2024

Equity, € thousand 2025: 24 677 000 € · +2.8% vs 2024

Employees 2025: 28 · +47.4% vs 2024 · industry median 1 · above 95% 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	5 869 103	-2 634 000	1 257 000	75 121 000	24 677 000	28
2024	4 449 795	-2 369 000	715 000	65 780 000	23 996 000	19
2023	24 078 450	-1 261 000	786 000	67 661 000	28 005 000	63
2022	11 635 800	—	—	53 126 479	—	46
2021	276 360	—	—	16 218 108	—	2
2020	—	-11 512	—	191 467	-9 012	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

-44.9 %

Net profit / revenue

Return on equity (ROE)

-10.7 %

Net profit / equity

Return on assets (ROA)

-3.5 %

Net profit / assets

Equity ratio

32.8 %

Equity / assets

Debt ratio

67.2 %

Liabilities / assets

Current ratio

0.17

Current assets / current liabilities

Revenue per employee

209 611 €

Revenue / average full-time employees

Labour cost per employee per month

3 741 €

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	29 Apr 2026	Consolidated · audited	e-Äriregister
2024	1 Jan 2024 – 31 Dec 2024	2 May 2025	Consolidated · audited	e-Äriregister
2023	1 Jan 2023 – 31 Dec 2023	23 May 2024	Company’s own · audited	e-Äriregister
2022	1 Jan 2022 – 31 Dec 2022	16 Jun 2023	Company’s own · audited	e-Äriregister
2021	1 Jan 2021 – 31 Dec 2021	22 Jun 2022	Company’s own · audited	e-Äriregister
2020	26 Jun 2020 – 31 Dec 2020	30 Jun 2021	Company’s own	e-Äriregister

Board

Mikk Metsa
Board member · since 26 Jun 2020
Nasdaq CSD SE
Keeper of the share register · since 9 Aug 2025

Right of representation

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

Owners

Omanikukonto: Osaühing Wellman
Legal person · 10093020 · 1 435 €

14.35%
Omanikukonto: METCAP holdco OÜ
Legal person · 14800744 · 1 412 €

14.12%
Esindajakonto: SWEDBANK AS CLIENTS
Legal person · 1 259 €

12.59%
Esindajakonto: Signet Bank AS Clients
Legal person · 1 121 €

11.21%
Omanikukonto: EESTI EKSPORT OÜ
Legal person · 10525947 · 1 081 €

10.81%
Omanikukonto: Entourage OÜ
Legal person · 12052657 · 1 081 €

10.81%
Omanikukonto: Electric Sun 20 Capital Investments OÜ
Legal person · 16862749 · 700 €

7%
Omanikukonto: SIA Sofi Investments
Legal person · 673 €

6.73%
Omanikukonto: OÜ MRTN INVEST
Legal person · 14431608 · 663 €

6.63%
Omanikukonto: AS Obelo Capital
Legal person · 419 €

4.19%
Omanikukonto: Maag Estate OÜ
Legal person · 12662278 · 78 €

0.78%
Omanikukonto: RTJ OÜ
Legal person · 16043460 · 35 €

0.35%
Omanikukonto: SIA EZ Capital
Legal person · 25 €

0.25%
Omanikukonto: Tobago Capital SIA
Legal person · 20 €

0.20%

Beneficial owners

Mikk Metsa
Member of a senior management body (management or supervisory board) · since 26 Jun 2020

Founders and other persons

Mikk Mihkel Nurges
Founder · 243 € · 26 Jun 2020
Siim Nurges
Founder · 12 € · 26 Jun 2020
EESTI EKSPORT OSAÜHING
Founder · 375 € · 26 Jun 2020
Entourage OÜ
Founder · 375 € · 26 Jun 2020
METCAP holdco OÜ
Founder · 490 € · 26 Jun 2020
Osaühing Wellman
Founder · 525 € · 26 Jun 2020
OÜ MRTN INVEST
Founder · 480 € · 26 Jun 2020

shared board members, owners or beneficial owners

Activities (EMTAK)

64929Other credit granting, except pawn shops Main

Rulings 24

All rulings (PDF)

Rulings
Number, date	Title	Deadline	State	Document
Ä 50148911 / 17 29 Sep 2025	Amendment entry		In force 29 Sep 2025	PDF
Ä 50148911 / M7 4 Sep 2025	Ruling to eliminate deficiencies	29 Sep 2025	Deficiencies eliminated 23 Sep 2025	PDF
Ä 50148911 / 16 9 Aug 2025	Amendment entry		In force 9 Aug 2025	PDF
Ä 50148911 / 15 7 Aug 2025	Amendment entry		In force 7 Aug 2025	PDF
Ä 50148911 / 14 19 Nov 2024	Amendment entry		In force 19 Nov 2024	PDF
Ä 50148911 / 13 3 Sep 2024	Entry refused: deficiencies not eliminated		In force 20 Sep 2024	PDF
Ä 50148911 / M6 2 Aug 2024	Ruling to eliminate deficiencies	1 Sep 2024	In force 3 Sep 2024	PDF
Ä 50148911 / 12 24 Jan 2024	Amendment entry		In force 24 Jan 2024	PDF
Ä 50148911 / M5 29 Dec 2023	Ruling to eliminate deficiencies		Deficiencies eliminated 29 Dec 2023	PDF
Ä 50148911 / 11 29 Dec 2023	Amendment entry		In force 29 Dec 2023	PDF
Ä 50148911 / 10 29 Dec 2023	Amendment entry		In force 29 Dec 2023	PDF
Ä 50148911 / 9 27 Nov 2023	Amendment entry		In force 27 Nov 2023	PDF
Ä 50148911 / 8 31 Jul 2023	Amendment entry		In force 31 Jul 2023	PDF
Ä 50148911 / M4 27 Jul 2023	Ruling to eliminate deficiencies	12 Aug 2023	Deficiencies eliminated 31 Jul 2023	PDF
Ä 50148911 / M3 25 Jul 2023	Procedural ruling	30 Jul 2023	Deficiencies eliminated 27 Jul 2023	PDF
Ä 50148911 / 7 30 Dec 2022	Amendment entry		In force 30 Dec 2022	PDF
Ä 50148911 / M2 23 Dec 2022	Ruling to eliminate deficiencies	6 Jan 2023	Deficiencies eliminated 29 Dec 2022	PDF
Ä 50148911 / 6 18 Nov 2022	Amendment entry		In force 18 Nov 2022	PDF
Ä 50148911 / 5 27 May 2022	Amendment entry		In force 27 May 2022	PDF
Ä 50148911 / M1 23 May 2022	Ruling to eliminate deficiencies	7 Jun 2022	Deficiencies eliminated 27 May 2022	PDF
Ä 50148911 / 4 9 Aug 2021	Amendment under Commercial Code § 525 (2)		In force 9 Aug 2021	PDF
Ä 50148911 / 3 31 Jul 2021	Amendment entry		In force 31 Jul 2021	PDF
Ä 50148911 / 2 26 Jan 2021	Amendment under Commercial Code § 525 (2)		In force 26 Jan 2021	PDF
Ä 50148911 26 Jun 2020	First entry		In force 26 Jun 2020	PDF

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

ESTO Holdings OÜ

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 24