Lyfery Insurance OÜ

Active Registry code 16585439 OÜ Tallinn Registered 3 Oct 2022
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Lyfery Insurance OÜ is a OÜ based in Tallinn, registry code 16585439, status: active. Main activity: Life insurance. According to EMTA, turnover for Q3 2026 was €0 with 4 employees.

Turnover
0 €
State taxes
4 960 €
↑ 28.5% vs Q2 2026
Labour taxes
5 619 €
↑ 27.1% vs Q2 2026
Employees
4
−1 vs Q2 2026

Q3 2026 · data from the Tax and Customs Board (EMTA)

Position in the industry Insurance, reinsurance and pension funding, except compulsory social security · EMTAK 65

  • Labour taxes per employee 1 405 €
    industry median 5 248 € · companies in the industry: 25
  • Revenue · 2025 87 188 €
    industry median 87 188 € · companies in the industry: 31
  • Net profit margin · 2025 -111.7 %
    industry median 14.1 % · companies in the industry: 23

Taxes and turnover

Q4 2023 – Q3 2026
Turnover, € Q3 2026: 0 € · industry median 110 827 € · above 2% of the industry
050 000100 000150 000200 000Q4 2023 Company: 0 € Industry median: 73 441 €Q4·23Q1 2024 Company: 0 € Industry median: 86 484 €Q2 2024 Company: 0 € Industry median: 52 588 €Q2·24Q3 2024 Company: 0 € Industry median: 100 153 €Q4 2024 Company: 0 € Industry median: 127 233 €Q4·24Q1 2025 Company: 0 € Industry median: 159 301 €Q2 2025 Company: 0 € Industry median: 105 123 €Q2·25Q3 2025 Company: 0 € Industry median: 129 189 €Q4 2025 Company: 4 032 € Industry median: 133 244 €Q4·25Q1 2026 Company: 0 € Industry median: 184 411 €Q2 2026 Company: 0 € Industry median: 119 758 €Q2·26Q3 2026 Company: 0 € Industry median: 110 827 €Q3·26050 000100 000150 000200 000Q4 2024 Company: 0 € Industry median: 127 233 €Q1 2025 Company: 0 € Industry median: 159 301 €Q1·25Q2 2025 Company: 0 € Industry median: 105 123 €Q3 2025 Company: 0 € Industry median: 129 189 €Q3·25Q4 2025 Company: 4 032 € Industry median: 133 244 €Q1 2026 Company: 0 € Industry median: 184 411 €Q1·26Q2 2026 Company: 0 € Industry median: 119 758 €Q3 2026 Company: 0 € Industry median: 110 827 €Q3·26
  • Company
  • Industry median

Industry: Insurance, reinsurance and pension funding, except compulsory social security (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Labour taxes per employee, € Q3 2026: 1 405 € · +58.9% vs Q2 2026 · industry median 5 248 € · above 11% of the industry
02 0004 0006 000Q4 2023 Company: 918 € Industry median: 4 678 €Q4·23Q1 2024 Company: 1 193 € Industry median: 4 943 €Q2 2024 Company: 2 227 € Industry median: 4 927 €Q2·24Q3 2024 Company: 1 866 € Industry median: 5 162 €Q4 2024 Company: 1 338 € Industry median: 5 026 €Q4·24Q1 2025 Company: 285 € Industry median: 5 395 €Q2 2025 Company: 1 089 € Industry median: 5 606 €Q2·25Q3 2025 Company: 936 € Industry median: 5 711 €Q4 2025 Company: 936 € Industry median: 5 308 €Q4·25Q1 2026 Company: 700 € Industry median: 5 284 €Q2 2026 Company: 884 € Industry median: 5 843 €Q2·26Q3 2026 Company: 1 405 € Industry median: 5 248 €Q3·2602 0004 0006 000Q4 2024 Company: 1 338 € Industry median: 5 026 €Q1 2025 Company: 285 € Industry median: 5 395 €Q1·25Q2 2025 Company: 1 089 € Industry median: 5 606 €Q3 2025 Company: 936 € Industry median: 5 711 €Q3·25Q4 2025 Company: 936 € Industry median: 5 308 €Q1 2026 Company: 700 € Industry median: 5 284 €Q1·26Q2 2026 Company: 884 € Industry median: 5 843 €Q3 2026 Company: 1 405 € Industry median: 5 248 €Q3·26
  • Company
  • Industry median

Industry: Insurance, reinsurance and pension funding, except compulsory social security (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Employees Q3 2026: 4 · −20.0% vs Q2 2026
012345Q4 2023 Company: 1Q4·23Q1 2024 Company: 5Q2 2024 Company: 5Q2·24Q3 2024 Company: 4Q4 2024 Company: 2Q4·24Q1 2025 Company: 3Q2 2025 Company: 3Q2·25Q3 2025 Company: 3Q4 2025 Company: 3Q4·25Q1 2026 Company: 4Q2 2026 Company: 5Q2·26Q3 2026 Company: 4Q3·26012345Q4 2024 Company: 2Q1 2025 Company: 3Q1·25Q2 2025 Company: 3Q3 2025 Company: 3Q3·25Q4 2025 Company: 3Q1 2026 Company: 4Q1·26Q2 2026 Company: 5Q3 2026 Company: 4Q3·26
State taxes, € Q3 2026: 4 960 € · +28.5% vs Q2 2026
02 5005 0007 50010 00012 500Q4 2023 Company: 816 €Q4·23Q1 2024 Company: 5 496 €Q2 2024 Company: 10 287 €Q2·24Q3 2024 Company: 6 957 €Q4 2024 Company: 2 635 €Q4·24Q1 2025 Company: 2 717 €Q2 2025 Company: 2 925 €Q2·25Q3 2025 Company: 2 498 €Q4 2025 Company: 2 918 €Q4·25Q1 2026 Company: 2 501 €Q2 2026 Company: 3 860 €Q2·26Q3 2026 Company: 4 960 €Q3·2601 0002 0003 0004 0005 000Q4 2024 Company: 2 635 €Q1 2025 Company: 2 717 €Q1·25Q2 2025 Company: 2 925 €Q3 2025 Company: 2 498 €Q3·25Q4 2025 Company: 2 918 €Q1 2026 Company: 2 501 €Q1·26Q2 2026 Company: 3 860 €Q3 2026 Company: 4 960 €Q3·26
Figures by quarter
Quarter Turnover, € State taxes, € Labour taxes, € Employees
Q3 2026 — 4 960 5 619 4
Q2 2026 — 3 860 4 421 5
Q1 2026 — 2 501 2 799 4
Q4 2025 4 032 2 918 2 808 3
Q3 2025 — 2 498 2 808 3
Q2 2025 — 2 925 3 268 3
Q1 2025 — 2 717 855 3
Q4 2024 — 2 635 2 675 2
Q3 2024 — 6 957 7 465 4
Q2 2024 — 10 287 11 136 5
Q1 2024 — 5 496 5 966 5
Q4 2023 — 816 918 1
Q3 2023 — 2 334 2 544 1
Q2 2023 — 4 173 4 527 1
Q1 2023 — 1 310 1 430 1
Q4 2022 — 279 311 1
Labour taxes per employee per month
468 €
Turnover per employee in the quarter
0 €

Q3 2026 · calculated from EMTA data

Financials by year

2023 – 2025
Revenue, € 2025: 87 188 € · +848.2% vs 2024 · industry median 87 188 € · above 50% of the industry
020 00040 00060 00080 000100 0002023 Company: 0 € Industry median: 18 555 €20232024 Company: 9 195 € Industry median: 46 051 €20242025 Company: 87 188 € Industry median: 87 188 €2025020 00040 00060 00080 000100 0002023 Company: 0 € Industry median: 18 555 €20232024 Company: 9 195 € Industry median: 46 051 €2025 Company: 87 188 € Industry median: 87 188 €2025
  • Company
  • Industry median

Industry: Insurance, reinsurance and pension funding, except compulsory social security (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Net profit, € thousand 2025: -97 427 € · +32.8% vs 2024 · industry median 5 451 € · above 2% of the industry
-150-100-500502023 Company: -43 135 € Industry median: 3 123 €20232024 Company: -145 014 € Industry median: 13 349 €20242025 Company: -97 427 € Industry median: 5 451 €2025-150-100-500502023 Company: -43 135 € Industry median: 3 123 €20232024 Company: -145 014 € Industry median: 13 349 €2025 Company: -97 427 € Industry median: 5 451 €2025
  • Company
  • Industry median

Industry: Insurance, reinsurance and pension funding, except compulsory social security (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Net profit margin, % 2025: -111.7 % · +1 465.4 pp vs the year before · industry median 14.1 % · above 2% of the industry
-2 000-1 500-1 000-50005002023 Company: — Industry median: 15.8 %20232024 Company: -1 577.1 % Industry median: 15.8 %20242025 Company: -111.7 % Industry median: 14.1 %2025-2 000-1 500-1 000-50005002023 Company: — Industry median: 15.8 %20232024 Company: -1 577.1 % Industry median: 15.8 %2025 Company: -111.7 % Industry median: 14.1 %2025
  • Company
  • Industry median

Industry: Insurance, reinsurance and pension funding, except compulsory social security (the EMTAK division of the main activity). Median: half of the industry is above, half below.

Assets, € thousand 2025: 90 064 € · −28.1% vs 2024
0501001502023 Company: 17 353 €20232024 Company: 125 220 €20242025 Company: 90 064 €20250501001502023 Company: 17 353 €20232024 Company: 125 220 €2025 Company: 90 064 €2025
Equity, € thousand 2025: 41 853 € · −63.4% vs 2024
02550751001252023 Company: 6 865 €20232024 Company: 114 351 €20242025 Company: 41 853 €202502550751001252023 Company: 6 865 €20232024 Company: 114 351 €2025 Company: 41 853 €2025
Employees 2025: 3 · −25.0% vs 2024 · industry median 11 · above 30% of the industry
0510152023 Company: 1 Industry median: 1420232024 Company: 4 Industry median: 1420242025 Company: 3 Industry median: 1120250510152023 Company: 1 Industry median: 1420232024 Company: 4 Industry median: 142025 Company: 3 Industry median: 112025
  • Company
  • Industry median

Industry: Insurance, reinsurance and pension funding, except compulsory social security (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 87 188 -97 427 30 335 90 064 41 853 3
2024 9 195 -145 014 60 048 125 220 114 351 4
2023 0 -43 135 25 877 17 353 6 865 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

Net profit margin
-111.7 %
Net profit / revenue
Return on equity (ROE)
-232.8 %
Net profit / equity
Return on assets (ROA)
-108.2 %
Net profit / assets
Equity ratio
46.5 %
Equity / assets
Debt ratio
53.5 %
Liabilities / assets
Current ratio
0.23
Current assets / current liabilities
Revenue per employee
29 063 €
Revenue / average full-time employees
Labour cost per employee per month
843 €
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 e-Äriregister
2024 1 Jan 2024 – 31 Dec 2024 12 Mar 2025 Company’s own e-Äriregister
2023 3 Oct 2022 – 31 Dec 2023 1 Jul 2024 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

Owner in

Beneficial owners

  • Veikko Tamlak
    Member of a senior management body (management or supervisory board) · since 2 Jan 2024
  • Mihkel Mandre
    Direct ownership · since 3 Oct 2022

Founders and other persons

shared board members, owners or beneficial owners

Activities (EMTAK)

  • 65111Life insurance Main
Rulings
Number, date Title Deadline State Document
Ä 50212079 / 9
7 Apr 2026
Amendment entry In force
7 Apr 2026
PDF
Ä 50212079 / M3
24 Mar 2026
Ruling to eliminate deficiencies 23 Apr 2026 Deficiencies eliminated
7 Apr 2026
PDF
Ä 50212079 / 8
30 Dec 2024
Amendment entry In force
30 Dec 2024
PDF
Ä 50212079 / 7
18 Dec 2024
Amendment entry In force
18 Dec 2024
PDF
Ä 50212079 / 6
10 Dec 2024
Entry refused In force
23 Dec 2024
PDF
Ä 50212079 / 5
25 Nov 2024
Entry refused In force
11 Dec 2024
PDF
Ä 50212079 / 4
23 Jan 2024
Amendment entry In force
23 Jan 2024
PDF
Ä 50212079 / 3
22 Dec 2023
Amendment entry In force
22 Dec 2023
PDF
Ä 50212079 / M2
11 Dec 2023
Ruling to eliminate deficiencies 23 Dec 2023 Deficiencies eliminated
22 Dec 2023
PDF
Ä 50212079 / M1
4 Dec 2023
Ruling to eliminate deficiencies 19 Dec 2023 Deficiencies eliminated
22 Dec 2023
PDF
Ä 50212079 / 2
1 Sep 2023
Amendment entry In force
1 Sep 2023
PDF
Ä 50212079
3 Oct 2022
First entry In force
3 Oct 2022
PDF

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