Kose town, Kose · Apartment association financial analysis
Hariduse tn 3 apartment association
Registered name: Kose parish, Kose town, Hariduse tn 3 korteriühistu
Reg. code 80118922 · 36 flats in the association · 1 728,9 m² association flat area · Report year 2025 · Building EHR 116009202
Kose parish, Kose town, Hariduse tn 3 apartment association (registry code 80118922) is the apartment association of the building at Hariduse tn 3, Kose (registry data as of 10.11.2026). Per the 2025 annual report: 36 flats in the association, repair-fund balance €8 858, bank-loan balance €153 394. Building facts and flat prices → · Board and contact · Sources
Median flat's monthly cost (2025 report)
€139 /month
ca €2,96 /m² (likely incl. utilities)
€2,96
Kose town median €3,55/m²
€3,72
Within the usual range (-16.5% vs median · 21 associations)
Repair fund balance
€8 858 (€5.1/m²)
Bank loan burden
€153 394
Financial health index (experimental)
Composite score withheld
Compared with the median (Kose town)
-16.5%
Data require verification. The report figures do not reconcile with the balance sheet. The composite score is withheld pending verification.
The financial figures and calculation area cover the whole association. The apartment selector shows the separate building at Hariduse tn 3 (36 apartments).
Calculated from the flat table of the 2025 annual report (amounts billed per flat in total €61 475, divided by the flats' floor area and 12 months). The total is 2.2 times the member fees in the income statement, so it likely also includes utilities (heating, water, etc.). It is a past-year average, not the current tariff or a specific flat's bill. Sources: the association's 2025 annual report (Business Register) and flat areas from the Building Register. Sources ↓
Aerial photo · building outline from the Building Register (EHR) · Orthophoto 01.05.2024, Maa- ja Ruumiamet (open data licence)
Location map · CARTO Voyager · © OpenStreetMap contributors
5-Year Reserve & Capital Trend
Reserve / flat
€246
Reserve / m²
€5.1 /m²
Bank loan debt
€88,7/m²
Liquidity & buffer
Not scored · 11.7 mo operating buffer (after the repair fund)
Debt burden
Not scored · €88,7 /m²
Payment discipline
Not scored · Receivables €11 605
Repair reserve level
Not scored · €5.1 /m² (reserve)
Reporting compliance
Not scored · 5 yrs filed in row
View full 5-year balance sheet & cost outlook →
Source: Business Register (2025)
Critical analysis for buyers
Three essential findings before buying a flat
Verified observations derived from official annual reports and the building registry for this property:
Reported finances
Bank loan and repair fund
The bank-loan balance was 153 394 €. The repair-fund balance was 8 858 €. Fund adequacy depends on planned works and their funding; check the budget plan and recent apartment bills.
Source: Annual report 2025; Estiq calculations
Repair expenditure
Repairs and maintenance carried out in report year
Repairs recorded in the report year totaled €5 596. Review the board's management report for the specific work schedule.
Source: Annual report 2025, repair expense line
Buyer verification
Request budget plan and debt clearance (KrtS § 43)
Under Estonian law (KrtS § 43), the purchaser is liable for the previous owner's unpaid association debts. Always demand a formal debt clearance certificate and recent meeting minutes before signing.
Source: Apartment Associations Act § 43
Costs by apartment type per the 2025 report
Calculated from the 2025 annual report (reg. 80118922) for 36 apartments in total.
Flat-table average 2025: €2,96 /m² per month
Repair-fund collections: €1,05 /m²
Recognized member revenue: €1,35 /m²
Loan principal, next 12 mo: €0,64 /m²
1-room
6 in the building
Recognized member revenue
€43 /flat
Repairs
€34 /flat
Loan
€20 /flat
€95 /month
Allocated fund share €164
2-room
23 in the building
Recognized member revenue
€64 /flat
Repairs
€50 /flat
Loan
€30 /flat
€140 /month
Allocated fund share €243
3-room
7 in the building
Recognized member revenue
€86 /flat
Repairs
€67 /flat
Loan
€41 /flat
€189 /month
Allocated fund share €326
What the amounts shown include
Amounts come from the association's annual report (2025) divided by the association's total apartment area. Reports do not split costs by season, so actual summer and heating-season bills are not shown. Whether utilities (heating, water) are included depends on the association's billing.
Find your apartment in building
36 apartments in buildingSelect an apartment to estimate its value and historical report-based association costs.
Apartment 1 (3-room, 1. fl):
65,9 m²
min 31,9 m²
max 66,7 m²
Estimated monthly cost (2025 flat table):
€195 /mo
Recognized member revenue
€89 /flat
Repair fund
€69 /flat
Association bank loan
€42 /flat
Accounting share of the repair fund (not withdrawable)
+€338
Calculated from the flat table of the 2025 annual report (amounts billed per flat in total €61 475, divided by the flats' floor area and 12 months). The total is 2.2 times the member fees in the income statement, so it likely also includes utilities (heating, water, etc.). It is a past-year average, not the current tariff or a specific flat's bill.
How the figures relate (2025): flat-table total €61 475 (€2.96/m² a month); member fees recognised in the income statement €27 977 (€1.35/m²); repair-fund collections €21 785 and €827 was recognised in the income statement. These are different accounting quantities and cannot be added up; member fees and repair-fund collections partly overlap, and the flat-table total likely also includes passed-through utilities. Loan principal due in the next 12 months per the report: €13 283 (plus interest).
Building Technical Condition
Renovation Works and Technical Findings
Works, contractors and technical observations mentioned in annual reports and meeting records; see each record for status and source:
The reports contain no detailed entries on completed repair works
The official annual reports do not include a separate table of completed works or itemised cost lines. Repair costs shown in the reports: €5 596.
Advice for buyers: Ask the association board for the latest general meeting minutes, the approved budget plan and the apartment utility bills for the last 12 months, to confirm the real technical condition of the building and planned works before making an offer.
Sources
- The association's 2025 annual report (01.01–31.12.2025) — original PDF on the Business Register card (annual reports) ↗
- Notes used from the report: receivables: Note 2 „Nõuded ja ettemaksed“, p. 6; payables: Note 3 „Võlad ja ettemaksed“, p. 7; repair fund: Note 4 „Sihtotstarbelised tasud, annetused ja toetused“, p. 7; member fees: Note 5 „Liikmetelt saadud tasud“, p. 8
- Flat areas and building data: Building Register (EHR), building 116009202.
- Figures are machine-read from the report and checked automatically by Estiq (balance-sheet totals against the notes); no person has reviewed them. Found an error? Write to [email protected].
A more detailed, automatically generated financial analysis (experimental) with its inputs and limitations.
Open the financial analysis ↗
Association 5-year financial trends
Official report data (2021–2025) from the Business Register
| Year | Member income (per report) | Repair fund inflow | Repairs done | Repair fund balance | Bank loans | Cash on accounts |
|---|---|---|---|---|---|---|
| 2025 | €27 977 | €21 785 | €5 596 | €8 858 | €153 394 | €25 789 |
| 2024 | €20 635 | €21 785 | €827 | €13 054 | €165 919 | €28 103 |
| 2023 | €14 318 | — | €625 | €13 946 | €176 779 | €32 304 |
| 2022 | €9 908 | — | €1 496 | €14 861 | €187 398 | €36 204 |
| 2021 | €9 346 | — | €992 | €13 322 | €199 916 | €35 965 |
Balance sheet at year end (2025)
Cash in bank accounts
€25 789
Receivables (report balance lines)
€11 605
Payables to suppliers (utilities)
€3 149
Bank loan balance
€153 394
Reserve capital
€0
Repair fund adequacy
Repair fund balance
€8 858
Repair fund balance per m²
€5,1 /m²
Repair fund balance per apartment (average)
ca €246
Annual inflow to the repair fund
€21 785 /yr
Balance relative to annual repair costs
1,6 yrs
–
Experimental model
No rating
The financial health index is not calculated
The report figures do not reconcile with the balance sheet. The composite score is withheld pending verification.. A composite score is not currently available for this association.
Regional comparison
Comparison with Kose town peers and neighbors
Comparison against local apartment association fee benchmarks, reserve levels and liabilities.
Fee level compared with the peer cohort
Monthly cost /m²
€2,96
Median (Kose town)
€3,55
Typical range (IQR)
€2,96 – €3,72
Difference vs median
-16.5%
Key ratios and liabilities
Cost tier assessment
Within normal range
Debt compared with the peer cohort
€153 394 · €88,7/m²
Receivables relative to annual costs
66.9 % of annual costs
Flats in the association
36 flats
Comparison with neighboring buildings on the same street
Repair fund and debt figures of neighboring associations from their latest annual reports.
| Building / Association | Flats | Repair fund €/m² | Bank loan | Cost €/m² a month (report) |
|---|---|---|---|---|
| Hariduse tn 3 This association | 36 | €5,10 | €153 394 | €2,96 |
| Hariduse tn 5 ↗ | 36 | €72,46 | 0 € | €3,72 |
Nearby (within 500 m)
Vahtra vkt 20 · 60 flats · 67 m
Vahtra vkt 12 · 60 flats · 70 m
Vahtra vkt 14 · 18 flats · 99 m
Vahtra vkt 16 · 18 flats · 130 m
Vahtra vkt 18 · 60 flats · 132 m
Vahtra vkt 13 · 18 flats · 160 m
Kodu tn 16 · 18 flats · 164 m
Kodu tn 3 · 4 flats · 178 m
Vahtra vkt 15 · 60 flats · 193 m
Kodu tn 1a · 30 flats · 198 m
Similar-sized associations in the area (±35% flats)
Hariduse tn 5 · 36 flats · 85 m
Kodu tn 1a · 30 flats · 198 m
Kodu tn 28 · 24 flats · 355 m
Ravila mnt 14 · 33 flats · 1031 m
Vardja tee 8 · 27 flats · 2969 m
Välja tn 2 · 24 flats · 3995 m
Välja tn 5 · 26 flats · 4039 m
Välja tn 4 · 27 flats · 4071 m
Aia tn 5 · 30 flats · 4080 m
Jõe tn 6 · 30 flats · 4119 m
Buyer Due Diligence (Apartment Associations Act § 43)
Buyer checklist: 7 checks before purchase
When buying a flat, the purchaser also acquires a proportional share in all building loans, repair liabilities and past arrears. This checklist is tailored to this association’s actual data:
Utility bills
Essential check
Request the seller’s past 12 months of association invoices
Reveals exact winter heating costs, monthly maintenance fees, and actual payable amounts for this specific apartment.
Included in the Estiq association pre-purchase check
Management plan
Document from board
Review the approved annual management plan (majanduskava)
Shows whether the association plans to increase fees or commission new repairs during the current year, and verifies statutory reserve capital compliance (KrtS § 48).
Included in the Estiq association pre-purchase check
Repair fund drop
Ask the board
Ask the board what caused the repair-fund drop between 2024 and 2025
The repair-fund balance fell from €13 054 to €8 858. This can mean completed renovation work (fine if documented) or the fund being used for running costs. Ask for the work acceptance documents and the plan for the next repair.
Included in the Estiq association pre-purchase check
Bank loan
Financial obligation
Clarify this apartment’s share in the loan balance and loan terms
The association has an outstanding loan of €153 394. Check the maturity date and interest terms in the loan agreement. Ask the association for the current loan agreement and this flat's share of the monthly repayment.
Included in the Estiq association pre-purchase check
Building condition
Internal records
Request the minutes of general meetings from the past 3 years
Minutes reveal recurring resident complaints (e.g. roof leaks, heating, ventilation, parking disputes) and approved works.
Included in the Estiq association pre-purchase check
Payment arrears
Legal protection
Confirm that the association has no severe arrears and this flat is debt-free
Under the Apartment Associations Act, a buyer can be liable for unpaid debts of the previous owner. Obtain an official debt-free certificate.
Included in the Estiq association pre-purchase check
Reporting timeliness
Governance check
Check annual report filing timeliness and board internal controls
By law, the annual report must be approved and filed within 6 months of year-end. Filing reports retroactively or in multi-year batches indicates delayed administrative follow-up.
Included in the Estiq association pre-purchase check
Would you like help with these checks?
The building report brings registers, association reports, environment and Radar data into one PDF.
Board and official registry data
The apartment association is entered in the register of non-profit associations and foundations kept by the registry department of the court.
Official Business Register card
Full name
Kose parish, Kose town, Hariduse tn 3 apartment association
Registry code
80118922
Legal form
Apartment association
Status
See the Business Register ↗
Members (2025 report)
36
Association contact
On the Business Register card ↗ (Estiq does not relay the association's contacts)
Financial year
01.01 – 31.12
Management and related properties
Main building address
Hariduse tn 3, Kose
EHR building code
116009202 →
Building and association
The association's address and the managed building may differ; the official address is in the Business Register.
Apartments in the association
36 apartments
Related building price info
View the building value page →
Frequently asked questions about the apartment association
What are the finances of the Hariduse tn 3 apartment association?
From the 2025 annual report (reg. code 80118922): 36 flats in the association, repair-fund balance €8 858 (€5/m²), bank loans €153 394.
What does a flat cost per month in Hariduse tn 3?
On average per the 2025 report €2.96/m² a month (likely incl. utilities); for a 50 m² flat about €148. Calculated from the flat table of the 2025 annual report (amounts billed per flat in total €61 475, divided by the flats' floor area and 12 months). The total is 2.2 times the member fees in the income statement, so it likely also includes utilities (heating, water, etc.). It is a past-year average, not the current tariff or a specific flat's bill.
What is the registry code of the Hariduse tn 3 apartment association and who is on the board?
The registered name is Kose parish, Kose town, Hariduse tn 3 apartment association, registry code 80118922. The current board and the association's contact details are on its Business Register card (ariregister.rik.ee); Estiq does not publish board members' names or relay the association's contacts. Registry data as of 10.11.2026.
Is a buyer liable for the association's loans and the seller's arrears?
All owners repay the association's loan through their monthly charges, in proportion to their share. Under § 43 of the Apartment Ownership and Apartment Associations Act, a new owner is also liable, together with the previous owner, for the previous owner's unpaid charges. This association's loan balance at the end of 2025: €153 394.
Is the Hariduse tn 3 repair fund sufficient?
At the end of 2025 the repair-fund balance was €8 858 (€5/m²). Inflow to the fund during the year: €21 785. Repair costs for the year: €5 596. The balance is a snapshot at the end of the reporting period; it does not show that future major works (roof, facade, pipes) are covered. Ask the seller for the latest technical inspection and general-meeting plans.
Does the Hariduse tn 3 apartment association have a loan?
Yes. The loan balance at the end of 2025 was €153 394 (≈ €4 261 per flat).
Have the fees of the Hariduse tn 3 apartment association gone up?
Member fees totalled €9 346 in 2021 and €27 977 in 2025 — a change of +199.3%.
Need the association official source documents?
All primary sources, land register entries and professional reports in one place.
PDF financial report (€7.99)
Full extract of 5 years of balance sheets, the repair fund and loans.
Building report (€3.99)
Association finances, registers, environment and Radar construction projects in one PDF.
e-Business Register
This association official registry card (Business Register).
Building value page
Apartment sale prices, Land Board transactions and the AVM model-based price.
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Association pre-purchase check before a binding offer
Before you buy, Estiq reviews the association documents. We look at hidden renovation loans, the share of debtors, the real repair fund and the general meeting minutes.
Audit of annual reports and the actual balance sheet position
Analysis of general meeting minutes (voted loans and plans)
Check of the debtor list and risk assessment for the buyer
Negotiation arguments to bring the purchase price down