Põhja-Tallinna district, Tal · Apartment association financial analysis
Telliskivi tn 35 apartment association
Registered name: Tallinn, Telliskivi tn 35 korteriühistu
Reg. code 80263437 · 5 flats in the association · 120,6 m² association flat area · Report year 2020 · Building EHR 101021292
Tallinn, Telliskivi tn 35 apartment association (registry code 80263437) is the apartment association of the building at Telliskivi tn 35, Tal (registry data as of 07.11.2026). Per the 2020 annual report: 5 flats in the association, repair-fund balance €514, bank-loan balance €414. Board and contact · Sources
Average monthly cost per flat (2020 report)
Not in the report
Association payments (excl. utilities)
A regional comparison group with a sufficient sample is not available.
Repair fund balance
€514 (€4.3/m²)
Bank loan burden
€414
Financial health index (experimental)
Compared with the median (Põhja-Tallinna district)
–
The financial figures and calculation area cover the whole association. The apartment selector shows the separate building at Telliskivi tn 35 (5 apartments).
Index components and methodology
56/100
Good and stable position
Financial health index · 2020 report · experimental
Financial health index · 2020 report · experimental
Liquidity (25%)0
Loan burden (20%)85
Receivables (15%)75
Repair fund (25%)65
Governance (15%)75
Calculated from public annual reports; the weights are published. How the index is calculated →
Calculated from the member fees in the 2020 annual report; utilities are not included. It is a past-year average, not the current tariff. Sources: the association's 2020 annual report (Business Register) and flat areas from the Building Register. Sources ↓
View from the air · oblique aerial photo 08.05.2024: Maa- ja Ruumiamet, Tallinna Strateegiakeskus (open data licence) · Request removal of this photo
Aerial photo · building outline from the Building Register (EHR) · Orthophoto 05.05.2024–08.05.2024, Maa- ja Ruumiamet (open data licence)
Location map · CARTO Voyager · © OpenStreetMap contributors
5-Year Reserve & Capital Trend
Reserve / flat
€103
Reserve / m²
€4.3 /m²
Bank loan debt
€3,4/m²
Liquidity & buffer
0/100 · 0 mo operating buffer (after the repair fund)
Debt burden
85/100 · €3,4 /m²
Payment discipline
75/100 · Receivables €0
Repair reserve level
65/100 · €4.3 /m² (reserve)
Reporting compliance
75/100 · 3 yrs filed in row
View full 5-year balance sheet & cost outlook →
Source: Business Register (2020)
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 414 €. The repair-fund balance was 514 €. Fund adequacy depends on planned works and their funding; check the budget plan and recent apartment bills.
Source: Annual report 2020; Estiq calculations
Repair expenditure
Repairs and maintenance carried out in report year
Repairs recorded in the report year totaled €2 616. Review the board's management report for the specific work schedule.
Source: Annual report 2020, 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 2020 report
Calculated from the 2020 annual report (reg. 80263437) for 5 apartments in total.
Flat-table average 2020: Not determined
Repair-fund collections: No data
Recognized member revenue: No data
Loan principal, next 12 mo: No schedule
1-room
4 in the building
Recognized member revenue
—
Repairs
—
Loan
—
— /month
Allocated fund share €63
4-room
1 in the building
Recognized member revenue
—
Repairs
—
Loan
—
— /month
Allocated fund share €261
What the amounts shown include
Amounts come from the association's annual report (2020) 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
5 apartments in buildingSelect an apartment to estimate its value and historical report-based association costs.
Apartment 13 (4-room, 1. fl):
61,3 m²
min 14,4 m²
max 61,3 m²
Estimated monthly cost (2020 flat table):
— /mo
Recognized member revenue
—
Repair fund
—
Association bank loan
—
Accounting share of the repair fund (not withdrawable)
+€261
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 (2019): €2 616.
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 2020 annual report (01.01–31.12.2020) — original PDF on the Business Register card (annual reports) ↗
- Flat areas and building data: Building Register (EHR), building 101021292.
- 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 |
|---|---|---|---|---|---|---|
| 2020 | €12 | — | €0 | €514 | €414 | €300 |
| 2019 | €1 322 | — | €2 616 | €526 | €414 | €312 |
| 2018 | €36 | — | €0 | €976 | €1 150 | €634 |
Balance sheet at year end (2020)
Cash in bank accounts
€300
Receivables (report balance lines)
€0
Payables to suppliers (utilities)
€0
Bank loan balance
€414
Reserve capital
€0
Repair fund adequacy
Repair fund balance
€514
Repair fund balance per m²
€4,3 /m²
Repair fund balance per apartment (average)
ca €103
Annual inflow to the repair fund
—
Balance relative to annual repair costs
0,2 yrs
56
/ 100
Experimental model
Good and stable position
Association financial health index (56 / 100)
An experimental analytical model rates the association balance sheet, loan burden, residents payment discipline and repair fund adequacy across 5 independent dimensions (aligned with RTJ 14).
Liquidity
25% weight
0/100
Coverage of short-term liabilities by cash (estimated coverage period)
Loan burden and liabilities
20% weight
85/100
Remaining bank loan principal and short-term debts
Receivables and payment discipline
15% weight
75/100
Ratio of receivables to annual turnover and its trend
Repair fund adequacy
25% weight
65/100
Accumulated repair fund balance per m² and per apartment
Reporting and governance
15% weight
75/100
Consistency of filed reports and board composition
Model: Estiq Association Financial Health v2.1 (Experimental) · Based on Accounting Standards Board guideline RTJ 14
Regional comparison
Comparison with Põhja-Tallinna district peers and neighbors
Comparison against local apartment association fee benchmarks, reserve levels and liabilities.
Fee level compared with the peer cohort
Monthly cost /m²
Data unavailable
Median (Põhja-Tallinna district)
–
Typical range (IQR)
–
Difference vs median
–
Key ratios and liabilities
Cost tier assessment
Cohort sample insufficient
Debt compared with the peer cohort
€414 · €3,4/m²
Receivables relative to annual costs
0 % of annual costs
Flats in the association
5 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) |
|---|---|---|---|---|
| Telliskivi tn 35 This association | 5 | €4,30 | €414 | – |
| Telliskivi tn 9 ↗ | 18 | €3,58 | €118 220 | €4,42 |
| Telliskivi tn 11 ↗ | 13 | €28,68 | 0 € | €3,52 |
| Telliskivi tn 12 ↗ | 11 | €0,00 | 0 € | €2,46 |
| Telliskivi tn 14 ↗ | 14 | €100,08 | 0 € | €1,51 |
| Telliskivi tn 16 ↗ | 20 | €3,08 | 0 € | €3,25 |
| Telliskivi tn 22 ↗ | 10 | €0,68 | 0 € | €4,35 |
| Telliskivi tn 28 ↗ | 12 | €44,75 | 0 € | €3,27 |
| Telliskivi tn 29 ↗ | 7 | €5,49 | €11 383 | – |
| Telliskivi tn 31 ↗ | 9 | €4,10 | 0 € | €2,89 |
| Telliskivi tn 32 ↗ | 5 | €0,00 | 0 € | – |
| Telliskivi tn 33 ↗ | 9 | €2,84 | €598 | €1,99 |
| Telliskivi tn 36 ↗ | 4 | €20,04 | €13 602 | – |
| Telliskivi tn 40 ↗ | 7 | €77,51 | €5 318 | – |
| Telliskivi tn 41 ↗ | 8 | €0,00 | €1 323 | €3,37 |
| Telliskivi tn 42 ↗ | 7 | €12,29 | 0 € | €1,26 |
Nearby (within 500 m)
Similar-sized associations in the area (±35% flats)
Telliskivi tn 36 · 4 flats · 47 m
Telliskivi tn 29 · 7 flats · 66 m
Telliskivi tn 40 · 7 flats · 72 m
Rohu tn 11 · 4 flats · 74 m
Telliskivi tn 32 · 5 flats · 84 m
Telliskivi tn 42 · 7 flats · 95 m
Õle tn 8 · 7 flats · 114 m
Saue tn 8 · 5 flats · 122 m
Rohu tn 7 · 4 flats · 139 m
Heina tn 6 · 4 flats · 166 m
Buyer Due Diligence (Apartment Associations Act § 43)
Buyer checklist: 6 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
Bank loan
Financial obligation
Clarify this apartment’s share in the loan balance and loan terms
The association has an outstanding loan of €414. 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?
Order an independent association pre-purchase check (€149) before signing a binding offer.
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
Tallinn, Telliskivi tn 35 apartment association
Registry code
80263437
Legal form
Apartment association
Status
See the Business Register ↗
Board
1 members · Current board in the Business Register ↗
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
Telliskivi tn 35, Tal
EHR building code
101021292
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
5 apartments
Frequently asked questions about the apartment association
What are the finances of the Telliskivi tn 35 apartment association?
From the 2020 annual report (reg. code 80263437): 5 flats in the association, repair-fund balance €514 (€4/m²), bank loans €414.
What is the registry code of the Telliskivi tn 35 apartment association and who is on the board?
The registered name is Tallinn, Telliskivi tn 35 apartment association, registry code 80263437. 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 07.11.2026.
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 2020: €414.
Is the Telliskivi tn 35 repair fund sufficient?
At the end of 2020 the repair-fund balance was €514 (€4/m²). Repair costs for the year: €2 616. 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 Telliskivi tn 35 apartment association have a loan?
Yes. The loan balance at the end of 2020 was €414 (≈ €83 per flat).
Have the fees of the Telliskivi tn 35 apartment association gone up?
Member fees totalled €36 in 2018 and €12 in 2020 — a change of −66.7%.
Need the association official source documents?
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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