Haapsalu · Apartment association financial analysis
Saue tn 10 apartment association
Registered name: Haapsalu city, Saue tn 10 korteriühistu
Reg. code 80470263 · 6 flats in the association · Report year 2025 · Building EHR 105000779 · EHR area needs verification
Haapsalu city, Saue tn 10 apartment association (registry code 80470263) is the apartment association of the building at Saue tn 10, Haapsalu (registry data as of 10.11.2026). Per the 2025 annual report: 6 flats in the association, repair-fund balance €0, bank-loan balance €78 169 (last maturity 08.10.2045, interest 5,08%, principal due in 12 months €4 167). Building facts and flat prices → · Board and contact · Sources
Median flat's monthly cost (2025 report)
€206 /month
Per the report apartment table (incl. utilities)
A regional comparison group with a sufficient sample is not available.
Repair fund balance
€0
Bank loan burden
€78 169
Financial health index (experimental)
Composite score withheld
Compared with the median (Haapsalu city)
–
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 Saue tn 10 (6 apartments).
Calculated from the flat table of the 2025 annual report (amounts billed per flat in total €30 644, divided by the flats' floor area and 12 months). The total is 13.4 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
€0
Reserve / m²
—
Bank loan debt
—
Liquidity & buffer
Not scored · 147.5 mo operating buffer (after the repair fund)
Debt burden
Not scored
Payment discipline
Not scored · Receivables €174
Repair reserve level
Not scored
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 78 169 €. The repair-fund balance was 0 €. 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 €435. Review the board's management report for the specific work schedule.
Source: Annual report 2025, repair expense line
Needs verification
EHR floor area requires verification
The heated floor area of this building is not (fully) available in the building registry, so per-m² figures are not calculated. Check recent utility bills to verify the exact flat charges.
Source: EHR and Business Register cross-check
Costs by apartment type per the 2025 report
Calculated from the 2025 annual report (reg. 80470263) for 6 apartments in total.
Flat-table average 2025: Not determined
Repair-fund collections: No data
Recognized member revenue: No data
Loan principal, next 12 mo: No schedule
1-room
2 in the building
Recognized member revenue
—
Repairs
—
Loan
—
— /month
2-room
3 in the building
Recognized member revenue
—
Repairs
—
Loan
—
— /month
4-room
1 in the building
Recognized member revenue
—
Repairs
—
Loan
—
— /month
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
6 apartments in buildingSelect an apartment to estimate its value and historical report-based association costs.
Apartment 1 (2-room, 1. fl):
83,7 m²
min 34,5 m²
max 83,7 m²
Estimated monthly cost (2025 flat table):
— /mo
Recognized member revenue
—
Repair fund
—
Association bank loan
—
Accounting share of the repair fund (not withdrawable)
—
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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 (2024): €435.
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. 7; loans: Note 3 „Laenukohustised“, p. 8; payables: Note 4 „Võlad ja ettemaksed“, p. 9; repair fund: Note 5 „Sihtotstarbelised tasud, annetused ja toetused“, p. 9; member fees: Note 6 „Liikmetelt saadud tasud“, p. 10
- Flat areas and building data: Building Register (EHR), building 105000779.
- 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 | €2 283 | €4 328 | €0 | €0 | €78 169 | €20 228 |
| 2024 | €2 690 | — | €435 | €0 | €8 477 | €19 068 |
| 2023 | €2 353 | — | €632 | €0 | €9 931 | €16 664 |
| 2022 | €4 527 | — | €2 618 | €0 | €11 332 | €14 451 |
| 2021 | €2 450 | — | €355 | €0 | €12 822 | €14 721 |
Balance sheet at year end (2025)
Cash in bank accounts
€20 228
Receivables (report balance lines)
€174
Payables to suppliers (utilities)
€10 013
Bank loan balance
€78 169
Reserve capital
€0
Repair fund adequacy
Repair fund balance
€0
Repair fund balance per m²
—
Repair fund balance per apartment (average)
ca €0
Annual inflow to the repair fund
€4 328 /yr
Balance relative to annual repair costs
0,0 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.. For a composite score the building’s floor area must belong to this association alone, to avoid distorted conclusions.
Regional comparison
Comparison with Haapsalu city 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 (Haapsalu city)
€2,75
Typical range (IQR)
€2,00 – €3,13
Difference vs median
–
Key ratios and liabilities
Cost tier assessment
Cohort sample insufficient
Debt compared with the peer cohort
€78 169
Receivables relative to annual costs
10.6 % of annual costs
Flats in the association
6 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) |
|---|---|---|---|---|
| Saue tn 10 This association | 6 | – | €78 169 | – |
| Saue tn 1 ↗ | 6 | – | 0 € | – |
| Saue tn 6 ↗ | 5 | €0,00 | 0 € | €1,67 |
| Saue tn 9 ↗ | 10 | €0,00 | 0 € | €1,36 |
Nearby (within 500 m)
Suur-Lossi tn 9 · 5 flats · 36 m
Lembitu tn 2 · 6 flats · 50 m
Suur-Lossi tn 12 · 9 flats · 72 m
Suur-Lossi tn 4 · 7 flats · 82 m
Lahe tn 6a · 14 flats · 96 m
Suur-Lossi tn 16 · 10 flats · 130 m
Lahe tn 6 · 26 flats · 154 m
F. J. Wiedemanni tn 13 · 10 flats · 155 m
Lahe tn 9 · 8 flats · 176 m
Väike-Liiva tn 11 · 10 flats · 180 m
Similar-sized associations in the area (±35% flats)
Suur-Lossi tn 9 · 5 flats · 36 m
Saue tn 6 · 5 flats · 42 m
Lembitu tn 2 · 6 flats · 50 m
Suur-Lossi tn 4 · 7 flats · 82 m
Lahe tn 9 · 8 flats · 176 m
F. J. Wiedemanni tn 6 · 8 flats · 188 m
Lahe tn 7a · 4 flats · 190 m
Saue tn 1 · 6 flats · 197 m
Karja tn 10 · 5 flats · 217 m
Karja tn 11 · 8 flats · 258 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 €78 169. Per the loan note of the 2025 report, the last maturity is 08.10.2045 and the interest rate is 5,08% (Euribor-linked). 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?
We run all checks for you within 48 hours: meeting minutes, upcoming loans and arrears (€149).
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
Haapsalu city, Saue tn 10 apartment association
Registry code
80470263
Legal form
Apartment association
Status
See the Business Register ↗
Members (2025 report)
6
Board
2 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
Saue tn 10, Haapsalu
EHR building code
105000779 →
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
6 apartments
Related building price info
View the building value page →
Frequently asked questions about the apartment association
What are the finances of the Saue tn 10 apartment association?
From the 2025 annual report (reg. code 80470263): 6 flats in the association, repair-fund balance €0, bank loans €78 169.
What does a flat cost per month in Saue tn 10?
Typical flat payment €206 a month (likely incl. utilities). Calculated from the flat table of the 2025 annual report (amounts billed per flat in total €30 644, divided by the flats' floor area and 12 months). The total is 13.4 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 Saue tn 10 apartment association and who is on the board?
The registered name is Haapsalu city, Saue tn 10 apartment association, registry code 80470263. 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: €78 169.
Is the Saue tn 10 repair fund sufficient?
At the end of 2025 the repair-fund balance was €0. Inflow to the fund during the year: €4 328. Repair costs for the year: €435. 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 Saue tn 10 apartment association have a loan?
Yes. The loan balance at the end of 2025 was €78 169 (≈ €13 028 per flat) (last maturity 08.10.2045, interest 5,08%, principal due in 12 months €4 167). Source: 2025 report, Note 3 „Laenukohustised“, p. 8.
Have the fees of the Saue tn 10 apartment association gone up?
Member fees totalled €2 450 in 2021 and €2 283 in 2025 — a change of −6.8%.
Buying here? Check before you make an offer
Order an independent pre-purchase check before a binding offer – official registers and reports, written summary.
Association Pre-Offer Audit (€149)
48h expert audit: meeting minutes, hidden debts, loans & negotiation leverage.
Building & surroundings report (€3.99)
Estiq Radar (150–500 m construction), association finances, registers & environment in PDF. No flat valuation.
e-Business Register
This association official registry card (Business Register).
Apartment valuation report (€7.99)
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Estiq Real Estate & Independent Expertise
How can we help you with the association Saue tn 10?
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€149 · 48h audit
Pre-offer due diligence
Minutes, loans & arrears
€7.99 · Flat-specific PDF
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Apartment sale & broker
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EVS 875 report
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Written summary within 48 hours of payment
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