Lightyear Europe AS

Active Registry code 16235024 AS Tallinn Registered 21 May 2021
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Lightyear Europe AS is a AS based in Tallinn, registry code 16235024, status: active. Main activity: Other financial service activities, except insurance and pension funding n.e.c.. According to EMTA, turnover for Q3 2026 was €523 000 with 43 employees.

Turnover
523 000 €
↑ 144.4% vs Q2 2026
State taxes
357 653 €
↓ 0.2% vs Q2 2026
Labour taxes
309 550 €
↓ 2.3% vs Q2 2026
Employees
43
−4 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 523 000 €
    industry median 13 555 € · companies in the industry: 547
  • Labour taxes per employee 7 199 €
    industry median 2 214 € · companies in the industry: 443
  • Revenue · 2026 4.2 mn €
    industry median 0 € · companies in the industry: 38

Taxes and turnover

Q4 2023 – Q3 2026
Turnover, € thousand Q3 2026: 523 000 € · +144.4% vs Q2 2026 · industry median 13 555 € · above 91% of the industry
0200400600800Q4 2023 Company: 81 039 € Industry median: 14 078 €Q4·23Q1 2024 Company: 277 049 € Industry median: 17 274 €Q2 2024 Company: 276 000 € Industry median: 13 884 €Q2·24Q3 2024 Company: 339 700 € Industry median: 13 160 €Q4 2024 Company: 453 374 € Industry median: 15 008 €Q4·24Q1 2025 Company: 546 635 € Industry median: 16 276 €Q2 2025 Company: 542 084 € Industry median: 16 066 €Q2·25Q3 2025 Company: 499 783 € Industry median: 12 383 €Q4 2025 Company: 545 027 € Industry median: 15 000 €Q4·25Q1 2026 Company: 688 808 € Industry median: 16 305 €Q2 2026 Company: 214 004 € Industry median: 14 161 €Q2·26Q3 2026 Company: 523 000 € Industry median: 13 555 €Q3·260200400600800Q4 2024 Company: 453 374 € Industry median: 15 008 €Q1 2025 Company: 546 635 € Industry median: 16 276 €Q1·25Q2 2025 Company: 542 084 € Industry median: 16 066 €Q3 2025 Company: 499 783 € Industry median: 12 383 €Q3·25Q4 2025 Company: 545 027 € Industry median: 15 000 €Q1 2026 Company: 688 808 € Industry median: 16 305 €Q1·26Q2 2026 Company: 214 004 € Industry median: 14 161 €Q3 2026 Company: 523 000 € 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: 7 199 € · +6.7% vs Q2 2026 · industry median 2 214 € · above 81% of the industry
02 0004 0006 0008 000Q4 2023 Company: 7 909 € Industry median: 2 331 €Q4·23Q1 2024 Company: 6 985 € Industry median: 2 206 €Q2 2024 Company: 7 009 € Industry median: 2 448 €Q2·24Q3 2024 Company: 7 087 € Industry median: 2 272 €Q4 2024 Company: 7 163 € Industry median: 2 438 €Q4·24Q1 2025 Company: 6 522 € Industry median: 2 659 €Q2 2025 Company: 6 878 € Industry median: 2 225 €Q2·25Q3 2025 Company: 7 895 € Industry median: 2 338 €Q4 2025 Company: 6 625 € Industry median: 2 418 €Q4·25Q1 2026 Company: 5 474 € Industry median: 2 338 €Q2 2026 Company: 6 744 € Industry median: 2 196 €Q2·26Q3 2026 Company: 7 199 € Industry median: 2 214 €Q3·2602 0004 0006 0008 000Q4 2024 Company: 7 163 € Industry median: 2 438 €Q1 2025 Company: 6 522 € Industry median: 2 659 €Q1·25Q2 2025 Company: 6 878 € Industry median: 2 225 €Q3 2025 Company: 7 895 € Industry median: 2 338 €Q3·25Q4 2025 Company: 6 625 € Industry median: 2 418 €Q1 2026 Company: 5 474 € Industry median: 2 338 €Q1·26Q2 2026 Company: 6 744 € Industry median: 2 196 €Q3 2026 Company: 7 199 € 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: 43 · −8.5% vs Q2 2026
01020304050Q4 2023 Company: 21Q4·23Q1 2024 Company: 25Q2 2024 Company: 27Q2·24Q3 2024 Company: 29Q4 2024 Company: 29Q4·24Q1 2025 Company: 33Q2 2025 Company: 34Q2·25Q3 2025 Company: 34Q4 2025 Company: 38Q4·25Q1 2026 Company: 49Q2 2026 Company: 47Q2·26Q3 2026 Company: 43Q3·2601020304050Q4 2024 Company: 29Q1 2025 Company: 33Q1·25Q2 2025 Company: 34Q3 2025 Company: 34Q3·25Q4 2025 Company: 38Q1 2026 Company: 49Q1·26Q2 2026 Company: 47Q3 2026 Company: 43Q3·26
State taxes, € thousand Q3 2026: 357 653 € · −0.2% vs Q2 2026
0100200300400500Q4 2023 Company: 161 471 €Q4·23Q1 2024 Company: 197 053 €Q2 2024 Company: 190 989 €Q2·24Q3 2024 Company: 289 143 €Q4 2024 Company: 230 920 €Q4·24Q1 2025 Company: 357 371 €Q2 2025 Company: 286 131 €Q2·25Q3 2025 Company: 300 350 €Q4 2025 Company: 314 134 €Q4·25Q1 2026 Company: 408 709 €Q2 2026 Company: 358 439 €Q2·26Q3 2026 Company: 357 653 €Q3·260100200300400500Q4 2024 Company: 230 920 €Q1 2025 Company: 357 371 €Q1·25Q2 2025 Company: 286 131 €Q3 2025 Company: 300 350 €Q3·25Q4 2025 Company: 314 134 €Q1 2026 Company: 408 709 €Q1·26Q2 2026 Company: 358 439 €Q3 2026 Company: 357 653 €Q3·26
Figures by quarter
Quarter Turnover, € State taxes, € Labour taxes, € Employees
Q3 2026 523 000 357 653 309 550 43
Q2 2026 214 004 358 439 316 970 47
Q1 2026 688 808 408 709 268 223 49
Q4 2025 545 027 314 134 251 750 38
Q3 2025 499 783 300 350 268 437 34
Q2 2025 542 084 286 131 233 844 34
Q1 2025 546 635 357 371 215 227 33
Q4 2024 453 374 230 920 207 722 29
Q3 2024 339 700 289 143 205 516 29
Q2 2024 276 000 190 989 189 240 27
Q1 2024 277 049 197 053 174 632 25
Q4 2023 81 039 161 471 166 093 21
Q3 2023 173 323 153 466 155 098 22
Q2 2023 163 151 133 334 137 039 20
Q1 2023 237 824 125 400 123 775 19
Q4 2022 65 624 95 524 97 235 18
Q3 2022 81 562 80 227 69 455 15
Q2 2022 121 418 48 965 51 943 10
Q1 2022 — 24 517 26 330 10
Labour taxes per employee per month
2 400 €
Turnover per employee in the quarter
12 163 €

Q3 2026 · calculated from EMTA data

Financials by year

2022 – 2026
Revenue, € thousand 2026: 4 241 182 € · +82.8% vs 2025 · industry median 0 € · above 95% of the industry
01 0002 0003 0004 0005 0002022 Company: 106 998 € Industry median: 0 €20222023 Company: 448 940 € Industry median: 0 €20232024 Company: 1 126 627 € Industry median: 0 €20242025 Company: 2 320 662 € Industry median: 0 €20252026 Company: 4 241 182 € Industry median: 0 €202601 0002 0003 0004 0005 0002022 Company: 106 998 € Industry median: 0 €20222023 Company: 448 940 € Industry median: 0 €2024 Company: 1 126 627 € Industry median: 0 €20242025 Company: 2 320 662 € Industry median: 0 €2026 Company: 4 241 182 € Industry median: 0 €2026
  • 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: -2 992 671 € · industry median 0 € · above 2% of the industry
-3 000-2 000-1 00002022 Company: — Industry median: 0 €20222023 Company: — Industry median: 0 €20232024 Company: — Industry median: 0 €20242025 Company: -2 992 671 € Industry median: 0 €20252026 Company: — Industry median: 0 €2026-3 000-2 000-1 00002022 Company: — Industry median: 0 €20222023 Company: — Industry median: 0 €2024 Company: — Industry median: 0 €20242025 Company: -2 992 671 € Industry median: 0 €2026 Company: — Industry median: 0 €2026
  • 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: -129.0 % · industry median 34.4 % · above 10% of the industry
-150-100-500502022 Company: — Industry median: 26.3 %20222023 Company: — Industry median: 41.1 %20232024 Company: — Industry median: 35.8 %20242025 Company: -129.0 % Industry median: 34.4 %20252026 Company: — Industry median: —2026-150-100-500502022 Company: — Industry median: 26.3 %20222023 Company: — Industry median: 41.1 %2024 Company: — Industry median: 35.8 %20242025 Company: -129.0 % Industry median: 34.4 %2026 Company: — Industry median: —2026
  • 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 2026: 14 644 651 € · +327.0% vs 2025
05 00010 00015 0002022 Company: 1 484 568 €20222023 Company: 3 949 641 €20232024 Company: 6 285 541 €20242025 Company: 3 429 784 €20252026 Company: 14 644 651 €202605 00010 00015 0002022 Company: 1 484 568 €20222023 Company: 3 949 641 €2024 Company: 6 285 541 €20242025 Company: 3 429 784 €2026 Company: 14 644 651 €2026
Equity, € thousand 2025: 2 563 443 €
01 0002 0003 0002022 Company: —20222023 Company: —20232024 Company: —20242025 Company: 2 563 443 €20252026 Company: —202601 0002 0003 0002022 Company: —20222023 Company: —2024 Company: —20242025 Company: 2 563 443 €2026 Company: —2026
Employees 2026: 39 · +21.9% vs 2025 · industry median 3 · above 91% of the industry
0102030402022 Company: 9 Industry median: 120222023 Company: 15 Industry median: 120232024 Company: 25 Industry median: 120242025 Company: 32 Industry median: 120252026 Company: 39 Industry median: 320260102030402022 Company: 9 Industry median: 120222023 Company: 15 Industry median: 12024 Company: 25 Industry median: 120242025 Company: 32 Industry median: 12026 Company: 39 Industry median: 32026
  • 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
2026 4 241 182 — — 14 644 651 — 39
2025 2 320 662 -2 992 671 1 881 707 3 429 784 2 563 443 32
2024 1 126 627 — — 6 285 541 — 25
2023 448 940 — — 3 949 641 — 15
2022 106 998 — — 1 484 568 — 9

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

Financial ratios for 2026

Revenue per employee
108 748 €
Revenue / average full-time employees

Annual reports

PDFs from e-Äriregister
Annual reports
Year Period Filed Report Documents
2025 1 Apr 2025 – 31 Mar 2026 23 Sep 2026 Company’s own · audited e-Äriregister
2024 1 Apr 2024 – 31 Mar 2025 31 Jul 2025 Company’s own · audited e-Äriregister
2023 1 Apr 2023 – 31 Mar 2024 31 Jul 2024 Company’s own · audited e-Äriregister
2022 1 Apr 2022 – 31 Mar 2023 20 Jul 2023 Company’s own · audited e-Äriregister
2021 21 May 2021 – 31 Mar 2022 24 Jul 2022 Company’s own · audited e-Äriregister

Board

  • Nasdaq CSD SE
    Keeper of the share ledger · since 21 May 2021
  • Uku Lember
    Board member · since 8 Dec 2021
  • Heili Veskimeister
    Board member · since 27 Dec 2021
  • Andres Kitter
    Board member · since 10 Apr 2025

Right of representation

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

Owners

No owner information.

Beneficial owners

Founders and other persons

  • Lightyear Financial LTD
    Founder · 25 000 € · 28 Apr 2021
  • Mihkel Aamer
    Chairman of the supervisory board · 27 Apr 2026
  • Martin Sokk
    Supervisory board member · 1 Aug 2025
  • Taavi Tamkivi
    Supervisory board member · 27 Apr 2026
  • Wander Rutgers
    Supervisory board member · 27 Apr 2026
  • Omanikukonto: Lightyear Financial Ltd
    Shareholder · 3 500 000 € · 19 Dec 2025
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 50174503 / M3
16 Dec 2025
Ruling to eliminate deficiencies 31 Dec 2025 Deficiencies eliminated
16 Dec 2025
PDF
Ä 50174503 / 17
16 Dec 2025
Amendment entry In force
16 Dec 2025
PDF
Ä 50174503 / 16
11 Aug 2025
Amendment entry In force
11 Aug 2025
PDF
Ä 50174503 / 15
6 Jun 2025
Amendment entry In force
6 Jun 2025
PDF
Ä 50174503 / 14
10 Apr 2025
Amendment entry In force
10 Apr 2025
PDF
Ä 50174503 / 13
26 Mar 2024
Amendment entry In force
26 Mar 2024
PDF
Ä 50174503 / 12
3 Oct 2023
Amendment entry In force
3 Oct 2023
PDF
Ä 50174503 / 11
7 Aug 2023
Amendment under Code of Civil Procedure § 595¹ (1) In force
7 Aug 2023
PDF
Ä 50174503 / M2
14 Nov 2022
Ruling to eliminate deficiencies 14 Dec 2022 Deficiencies eliminated
14 Nov 2022
PDF
Ä 50174503 / 10
14 Nov 2022
Amendment entry In force
14 Nov 2022
PDF
Ä 50174503 / 9
13 Oct 2022
Amendment under Commercial Code § 525 (2) In force
13 Oct 2022
PDF
Ä 50174503 / 8
4 Aug 2022
Amendment entry In force
4 Aug 2022
PDF
Ä 50174503 / 7
27 Dec 2021
Amendment entry In force
27 Dec 2021
PDF
Ä 50174503 / 6
16 Dec 2021
Amendment entry In force
16 Dec 2021
PDF
Ä 50174503 / 5
8 Dec 2021
Amendment entry In force
8 Dec 2021
PDF
Ä 50174503 / 4
8 Nov 2021
Amendment entry In force
8 Nov 2021
PDF
Ä 50174503 / 3
15 Sep 2021
Amendment entry In force
15 Sep 2021
PDF
Ä 50174503 / 2
19 Aug 2021
Amendment entry In force
19 Aug 2021
PDF
Ä 50174503 / M1
21 Jul 2021
Ruling to eliminate deficiencies 20 Aug 2021 Deficiencies eliminated
19 Aug 2021
PDF
Ä 50174503
21 May 2021
First entry In force
21 May 2021
PDF

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