Tallinn, Pikk tn 43 korteriühistu
Association of 7 flats. New loan taken in 2025; sharp rise in association fees: +427% (2025); small reserve capital.
Pikk tn 43 korteriühistu is a 7-flat apartment association in Kesklinn district, Tallinn.
The association has a loan of €68 446 (≈ €9 778 per flat), last repayment 2045. Member fees rose 2 613% in 2021–2025 (€4 359 → €118 268 a year).
There are 25 associations with reports on the same street and within 500 m; their median is €3.19/m² a month in costs and €21/m² of repair fund. Source: the association's annual reports (e-Business Register), floor area from the Building Register.
Building: Pikk tn 43, Tallinn. Data: the association's annual reports 2021–2025 (e-Business Register), the latest for 2025.
All figures: the association's 2025 annual report; €/m² = per m² of flats (510 m², Building Register); "a month" = yearly amount ÷ 12.
The association's own charges without utilities: upkeep, management, repair fund, loan.
The association's joint loan (usually for renovation). Repayments are part of the monthly fees.
! Worth watching
- New loan taken in 2025outstanding €68 446 — usually for renovation; repayments are part of the fees
- Sharp rise in association fees: +427% (2025)€22 454 (2024) → €118 268 (2025)
- Small reserve capital€2 215 — less than one month of costs (€9 838)
Location and neighbouring associations
Associations on the same street and within 500 m, each by its latest report. The large dot on the map is this association. All associations and rankings in the area →
Compared with 25 neighbouring associations (median): total costs €3.19 · fees €1.78 · repair fund €21/m²
On the same street: Pikk tn
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Pikk tn 43 (this one) | – | 7 | – | – | – | €68 446 | 2025 |
| Pikk tn 15 | 190 m | 8 | – | €1.41 | €50 | no | 2025 |
| Pikk tn 18 | 150 m | 3 | €5.51 | €2.23 | €37 | no | 2025 |
| Pikk tn 22 | 130 m | 5 | €1.29 | €1.03 | €21 | no | 2025 |
| Pikk tn 29a | 90 m | 7 | €6.91 | €2.83 | €420 | no | 2025 |
| Pikk tn 35 | 60 m | 2 | €6.59 | €2.27 | €1 | no | 2025 |
| Pikk tn 37 | 50 m | 12 | – | €1.33 | €60 | no | 2024 |
| Pikk tn 38 | 70 m | 4 | – | – | – | no | 2025 |
| Pikk tn 39 | 30 m | 7 | – | €1.78 | €21 | no | 2025 |
| Pikk tn 41 | 20 m | 10 | – | – | €38 | no | 2025 |
| Pikk tn 42 | 100 m | 5 | – | €1.04 | €17 | €56 985 | 2025 |
| Pikk tn 47 | 30 m | 7 | €1.67 | €0.80 | €6 | no | 2025 |
| Pikk tn 52 | 170 m | 11 | – | €1.32 | €0 | €175 895 | 2025 |
| Pikk tn 54 | 200 m | 48 | – | – | – | no | 2025 |
| Pikk tn 57 | 80 m | 8 | – | €5.22 | – | no | 2025 |
| Pikk tn 62 | 240 m | 10 | €2.70 | €2.44 | – | no | 2025 |
| Neighbours' median | €4.11 | €1.60 | €21 |
Nearby (within 500 m)
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Pikk tn 43 (this one) | – | 7 | – | – | – | €68 446 | 2025 |
| Olevimägi 3 | 40 m | 7 | – | €5.85 | – | €112 723 | 2025 |
| Lai tn 32 | 50 m | 12 | €3.67 | €1.43 | €5 | no | 2025 |
| Lai tn 34 | 50 m | 5 | – | €2.21 | €45 | no | 2025 |
| Lai tn 36c | 60 m | 16 | €2.24 | €1.71 | €6 | no | 2025 |
| Olevimägi 5 | 60 m | 43 | – | – | – | no | 2025 |
| Lai tn 36 | 60 m | 7 | – | €3.00 | €35 | no | 2025 |
| Olevimägi 2 | 60 m | 11 | – | €1.53 | €10 | €45 467 | 2025 |
| Olevimägi 9 | 90 m | 25 | – | €1.98 | €27 | no | 2025 |
| Lai tn 15 | 100 m | 14 | €3.96 | €1.85 | €5 | no | 2025 |
| Vene tn 25 | 110 m | 12 | €1.84 | €0.37 | €70 | no | 2024 |
| Neighbours' median | €2.96 | €1.85 | €19 |
What owners pay for
Fees by type in 2025, as written in the report. "Average flat" = amount ÷ 7 flats ÷ 12; a bigger flat pays more.
| Fee | What it covers | Per year | €/m²/month | Average flat / month | Year before |
|---|---|---|---|---|---|
| Haldusteenusbookkeeping, board and property manager | bookkeeping, board and property manager | €1 318 | €0.22 | €16 | €1 113 |
| Remonditasudsaved in the repair fund for future works | saved in the repair fund for future works | €115 986 | €18.94 | €1 381 | €20 541 |
| Kindlustusmaksedbuilding insurance | building insurance | €739 | €0.12 | €9 | €800 |
| Remonditasud laenukulude katteks (intress)repays the association's loan and interest | repays the association's loan and interest | €225 | €0.04 | €3 | €0 |
| Total | €118 268 | €19.31 | €1 408 |
Fee names as written in the report.
Association fees per year
All flats together, excluding utilities.
Repair fund and works
The repair fund is the association's savings for the roof, pipes, façade and so on. When it grows, more is saved than spent; when it shrinks, the money has gone into repairs.
Money in and out
When the collected bar is taller the fund grew; when spending is taller, savings were used.
Works done, per the reports
Loans
An association loan is shared by all owners: when a flat is sold, its share stays with the building, not the seller. That is why a buyer should know the balance and the end date.
€68 446 outstanding at the end of 2025 ≈ €9 778 per flat
Principal due in the next 12 months €3 299 ≈ €275 a month (€39 per flat, plus interest)
| Lender | Balance | Rate | Ends |
|---|---|---|---|
| – | €68 446 | Euribor + 3.63% | 2045-08 |
Loan balance at year end
Lower bars = the loan is being repaid.
All figures by year
The last column is the change from the first year to the latest: green = good news for owners, orange = a cost or risk is growing.
| 2025 | 2024 | 2023 | 2022 | 2021* | Change | |
|---|---|---|---|---|---|---|
| Association fees per year | €118 268 | €22 454 | €22 619 | €23 889 | €4 359 | ×27.1 |
| of which repair fund | €115 986 | €20 541 | €19 538 | €20 505 | – | ×5.7 |
| Collected into the repair fund | €17 688 | €13 459 | €7 691 | €8 761 | – | +102% |
| Repair spending | €116 725 | €21 351 | €20 298 | €21 246 | €1 599 | ×73.0 |
| Loan balance | €68 446 | €0 | €0 | €0 | – | – |
| Cash | €59 884 | €45 794 | €30 842 | €15 841 | €19 556 | ×3.1 |
| Reserve capital | €2 215 | €1 781 | €1 781 | €1 344 | €1 344 | +65% |
| Association expenses (income statement) | €118 061 | €22 512 | €22 656 | €23 924 | €4 391 | ×26.9 |
| Result for the year | €32 | €27 | €2 530 | €4 615 | €56 | – |
* from the comparative column of the following year's report.
Cash at year end
Money in the bank (incl. the repair fund).
Board's management report
Short summary of the 2025 report.
Aruandeaastal teostati remonditöid 116 725 € eest ja remondifondi koguti 17 688 €.
members: 7 private + 3 companies.
See also
Frequently asked questions
What are the running costs of the Pikk tn 43 apartment association?
Per the association's 2025 annual report: member fees of €118 268 a year in total.
Does the Pikk tn 43 apartment association have a loan?
Yes. The loan balance at the end of 2025 was €68 446 (≈ €9 778 per flat), Euribor, last repayment 2045. The loan stays with the building when a flat is sold; repayments are part of the monthly fees.
Have the fees of the Pikk tn 43 apartment association gone up?
Member fees totalled €4 359 in 2021 and €118 268 in 2025 — a change of +2 613%. Latest year: +427% vs 2024.
How does the Pikk tn 43 apartment association compare with neighbouring buildings?
There are 25 associations with reports on the same street and within 500 m. Their median: total costs €3.19/m² per month; repair fund €21/m².
How big is the Pikk tn 43 apartment association and who manages it?
7 flats. Registry code 80427586; reports 2021–2025 (e-Business Register).
Terms in plain words
- Total owner costs (€/m² a month, incl. utilities)
- Everything owners paid the association (the report's flat table), heating, water and electricity included, divided by the flats' floor area and 12 months. Closest to what an owner actually pays each month.
- Association fees (€/m² a month, excl. utilities)
- The association's own charges — upkeep, management, repair fund, loan, insurance — without utilities, per m² of flats a month.
- Typical flat per month (€ a month)
- The median flat's yearly charge in the report's flat table, divided by 12. Half of the flats pay more, half less.
- Repair fund balance (€ at year end)
- Money saved for future repairs and not yet spent, at the end of the financial year.
- Repair fund balance (€ per m² of flats)
- The repair fund balance divided by the flats' floor area, so buildings of any size compare. Not a monthly charge.
- Repair-fund charge (€/m² a month)
- The part of the fees that goes into the repair fund.
- Loan balance (€ at year end)
- The unpaid part of the association's loan at year end. It stays with the building when a flat is sold; repayments are part of the monthly fees.
- Association fees per year (€, all flats together)
- The same charges as a yearly total for all flats (the report's "member fees").
- Association expenses (income statement) (€ a year)
- The association's own expenses for the year per its accounts (upkeep, management, repairs, interest). Not the same as the owners' "total owner costs".
- Reserve capital (€)
- The association's buffer for unexpected costs. By law at least 1/12 of its budgeted annual costs.
- Cash (€ at year end)
- Money in the bank at year end, the repair fund included.
- Result for the year (€)
- Income minus expenses. An association is not for profit: a small plus or minus is normal; several large losses in a row mean costs are paid from reserves.
We read the association's reports, meeting decisions and the price, and tell you what to watch.
Source: apartment association annual reports (e-Business Register); floor area: Building Register. Figures are machine-read from the reports and may contain reading errors — check the original report in the e-Business Register before deciding. How the figures are made (methodology) · Checklist before buying. Flats' floor area 510 m².