A 22.8 % Shareholders: Kristjan Otsa Toomas Tiirmann BB 20.4 %

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1 Credit report Reg. code: Jõe tn Kostivere alevik, Jõelähtme vald, Harjumaa Tel: > Commercial Register Info > Credit Opinion AAA.9% C.9% Status: Registered Registered in comm. registry (age): 5/3/21 (5 y) Registered fixed capital: 5 48 EUR B8 AA % 5% Management Board: Kristjan Otsa ( ) ( ) BB 2.4 % Rating: AA very good A 22.8 % Shareholders: Kristjan Otsa Insolvency: 1.3% Credit recommended Credit limit: Regular representation right: Member of the board represent private limited company alone unless noted otherwise in the commercial register. Sphere of business: Other retail sale not in stores, stalls or markets BBB 32.3 % > Find more on page 2 > Economic Indicators 214 Net sales: incl. export sale: EUR EUR EUR EUR EUR Profit/loss: Number of employees: Assets: Equity: > Payment Defaults and Tax Debts Period: 3/7/2143/7/215 8/14 9/14 1/14 11/14 12/14 1/15 2/15 3/15 4/15 5/15 6/15 7/15 Payment defaults (valid) Tax debts (monthly update) Find more on page 1 > Conclusion The company may be credited in the amount of the recommended credit limit. Company's rating is very good (AA) and there is low probability of insolvency. Economic situation: Net sales have decreased during the last years. The level of sales is relatively high. Profitability is fair. Amount of equity is average. Registered capital has maintained the same level if compared to the last annual statement. Financial situation: current ratio very good, quick ratio very good, cash ratio very good, collections fast. Debt ratio is very good, the company is relatively independent of debt capital. Return ratios: profit margin fair, return on assets good. 1/11

2 > Credit Rating Krediidiinfo AS recommends a credit valuation to help you decide whether to sell on credit and how much. The credit valuation consists of the following components: credit limit, rating and insolvency probability. The credit limit is the recommended limit amount for selling on credit. The insolvency probability show the likeliness of the risk of the company falling into arrears: if it is less than 5%, the risk is low; the probability between 5 and 12% is considered moderate; and the risk is considered high at 12% or higher. The Krediidiinfo rating is the consolidated rating of the company's economic and financial standing of the company and its payment habits. The rating is expressed in letter combinations: AAA stands for excellent; AA, for very good; A, for good; BBB, for satisfactory; BB, for passable; B, for weak; C, for unsatisfactory; and U, O and N are not rated. The illustration to the rating shows the comparative distribution of Estonian companies on the basis of rating classes (see p 1). Rating: AA very good Insolvency: 1.3% Credit rating: Credit limit: Credit recommended > Commercial Register Records >> Commercial Register Records Business name: Soojuspumba kodu OÜ Register code: Registered: Address: 5/3/21, Harju Maakohtu Registriosakond Jõe 415, Jõelähtme küla City/county: Business type: Jõelähtme vald 7424 private limited company Capital: 5 48 EUR Statutes: Financial year: 5/3/21 1/131/12 >> Management Board Kristjan Otsa In board since: 7/9/21 no negative information on payments In board since: /3/21 no negative information on payments Regular representation right Member of the board represent private limited company alone unless noted otherwise in the commercial register. 2/11

3 >> Shareholders Kristjan Otsa Shareholder (2 492 EUR) since 22/7/211 location Estonia Shareholder (2 556 EUR) since 22/7/211 >> Beneficial owners The beneficial owner is a natural person who has either direct or indirect interest in the company. The minimal rate of interest considered is 1%. In the case of Indirect shareholding the rate is calculated as the natural person's participation rate in owner's equity of the related company, ie then the natural person must have a direct interest in the subsidiary/associated company. If a corporation is directly or indirectly owned by a foreign company, it's shown separately. A foreign company participation rate is calculated on the same basis as the natural person's. Kristjan Otsa Share Share % % >> Other Founder >> Persons Previously Connected to the Company Kristjan Otsa since Shareholder 7/9/21 until 22/7/ since Shareholder 5/3/21 until 22/7/211 3/11

4 >> Registered Capital Private Limited Company (Ltd) is a company with a share capital divided into shares. The company is liable for the performance of its obligations with all its assets. Shareholders are not personally liable for the obligations. The minimum share capital is EUR 2 5. Capital Currency Beginning date Ending date 5 48 EUR 79 4 EEK 7/9/21 22/7/211 EEK 5/3/21 7/9/21 > Economic Information >> Sphere of Business Firm's sphere of business is determined on the basis of international business activity classification system of NACE Other retail sale not in stores, stalls or markets >> VAT liability VAT payer since: 8/3/21 VAT number: EE >> Taxes Paid The data originates from the Estonian Tax and Customs Board. Taxes paid is displayed as when a) the person hasn't paid taxes, b) VAT refund exceeds the paid sum, c) the person belongs to a VAT group, where the representative of the group will submit a VAT return and pay the tax for the VAT group members. An exporter s paid tax sum may be smaller than the declared sum in the tax return. In Q2 215, the company paid the Tax and Customs Board euros as state taxes and euros as payroll taxes Period Average monthly taxes (EUR) Average monthly payroll taxes (EUR) Q Q Q Q /11

5 >> Number of Employees Number of Employees Date 3 31/12/ /12/ /12/212 >> Export (euro) Information about export is reported in company's annual report 214 Revenue percentage (%) 213 Revenue percentage (%) 212 Revenue percentage (%) Finland Lithuania Latvia Country > Financial Information >> Financial Statements 214. annual report submitted 213. annual report submitted 212. annual report submitted 5/11

6 >> Balance sheet (EUR) 214 ASSETS (Percentage, %) Trend, % (Percentage, %) Trend, % (Percentage, %) CURRENT ASSETS Cash and investments 3853 (27.7) Receivables and prepayments, including: Trade receivables Tax prepayments Other receivables and prepayments Inventories (27.4) (44.4) (27.4) (28.5) (25.8) (23.3) (18.1) (22.7) 46 (.) 3218 (3.) 35 (.) (4.) (7.5) (27.9) (21.6) (82.9) (77.6) (7.2) (.) (3.7) Other current assets CURRENT ASSETS TOTAL.8 (3.) NCURRENT ASSETS Financial investments Property investments Tangible assets, including: Depreciation() (17.1) (22.4) (26.1) (18.3) (12.2) (9.4) (17.1) (22.4) (29.8) (1.) (1.) (1.) 3241 (2.3) (2.3) (4.3) Other noncurrent assets NCURRENT ASSETS TOTAL ASSETS TOTAL LIABILITIES&EQUITY CURRENT LIABILITIES Loan liabilities Payables and prepayments, including: 1782 (12.8) (23.9) (21.1) Trade payables 9963 (7.2) (3.6) (6.8) Employee payables 2247 (1.6) Tax payables 561 (4.) (2.6) (14.3) (.) (17.7) (.) 2161 (15.2) (7.8) 23.4 Payables & prepayments Other provisions & grants Other payables & prepayments Other provisions & grants CURRENT LIABILITIES TOTAL (26.2) (25.4) 1488 (9.9) (2.6) NCURRENT LIABILITIES Loan liabilities NCURRENT LIABILITIES TOTAL 1788 (7.8) (9.9) (2.6) LIABILITIES TOTAL (22.9) (36.1) (46.) 548 (3.6). 548 (3.6). 548 (4.8) 55 (.4). 55 (.4). 55 (.5) EQUITY Registered capital Unregistered capital Reserves Other capital Retained earnings/loss 8524 (61.2) (36.4) (13.1) Annual profit/loss (11.9) (23.5) (35.6) 1739 (77.1) (63.9) (54.) (1.) (1.) (1.) EQUITY TOTAL LIABILITIES & EQUITY TOTAL 6/11

7 >> Income statement (EUR) /1/1431/12/14 Trend, % 1/1/1331/12/13 Trend, % 1/1/1231/12/ Other income 149 Other adjustments NET SALES Scheme 1 Raw materials and consumables used Other operating expenses Employee expenses Depreciation Other expenses Scheme 2 GROSS PROFIT/LOSS Cost of sales Distribution costs Administrative expenses Other income Other expenses Profit/loss from biological assets Scheme 1+ Scheme 2 TOTAL PROFIT/LOSS Financial income/expenses TOTAL PROFIT/LOSS BEFORE TAXES Income tax ANNUAL PROFIT/LOSS 7/11

8 >> Cash flow statement (EUR) /1/1431/12/14 1/1/1331/12/13 1/1/1231/12/ CASH FLOWS FROM OPERATING Indirect Method Operating profit (loss) Depr. and impairment of fixed assets Profit (loss) sale from fixed assets Changes in receivables and prepayment Receipts from sales Other income from operating activities Payments to suppliers Payments to employees Purchase and sale of assets Purchase and sale of finance investments Changes in inventories Changes in payables and prepayment Other operating cash flows Direct Method CASH FLOWS FROM OPERATING, TOTAL CASH FLOWS FROM INVESTING Other cash and inflows from investments CASH FLOWS FROM INVESTING, TOTAL Loans received Repayments of loans received CASH FLOWS FROM FINANCING Proceeds from overdraft Repayments of finance lease Interest paid Dividends paid Income tax paid Other cash and flows from finance activities CASH FLOWS FROM FINANCING, TOTAL CASH FLOWS, TOTAL Cash and equiv. beginning of period Change Effect on exchange rate changes Cash and cash equiv. at end of period /11

9 >> Ratios RATIO 1/1/214 31/12/214 1/1/213 31/12/213 1/1/212 31/12/212 Current ratio (*) Liquidity and solvency Working capital (th EUR) Current ratio (*) Quick ratio (*) Cash ratio (*) Collection period (days) Quick ratio (*) Capital circulation Assets turnover (*) Debt ratio (*) Capital strucutre Debt ratio (*) ROA (%) Efficiency 214 Operating margin (%) Profit margin (%) ROA (%) Cash flow (th EUR) /11

10 > Payment Habits >> Tax Debts Tax arrears to Estonian Tax and Customs Board are updated monthly. Arrears below EUR 64 are not presented. Staggered schedule and challenged debts are pointed out separately. January February March April May June July August September October November December Protested 212 (EUR) Scheduled Protested 213 (EUR) Scheduled Protested 214 (EUR) Scheduled 215 (EUR) Protested Month Scheduled no tax debts recorded 1/11

11 >> Credit Register Information Payment default is the borrower's failure to comply with its contractual financial obligation for more than 45 days from the day following the due date and when the sum of an arrear together with interests and penalties is at least EUR 3. Information on payment defaults derives from the members or other contractual parties of the Credit Register. The given data includes the default's appearing and termination dates or the status, the sum's magnitude and origin. Ranges are distributed as follows: EUR , EUR , EUR , EUR , EUR , EUR , EUR 64. and more. Payment default displayed in the register is inputted either by the creditor or by a person acting on creditor's behalf. Valid Payment Defaults No information on payment defaults. Settled Payment Defaults Appearing Ending Latest size group Maximum size group Payment default registered by Business Sector of the recorder 26/1/211 2/7/ JULIANUS INKASSO OÜ Activities of collection agencies and credit bureaus Information given in this report has been gathered from public sources. AS Krediidiinfo does not guarantee the reliability or the accuracy of the sources or the sufficiency and adequacy of the report. AS Krediidiinfo is not liable for any direct or indirect loss or damage caused by use of this report Powered by TCPDF ( 11/11