Company data from Slovak public registers

Andromia Insight

REAL FIN, spol. s r.o.

Company financial profile・Company ID 36219932・Konštantína Čulena 14/8216, 91701 Trnava・Founded 1997

Financial reportFinancial statements
Active

Turnover 2025

2.22 M €

+9.7 %
Company ID
36219932
Tax ID
2021001378
VAT ID
SK2021001378, under §4, registered since Tuesday, February 1, 2005
Registered office
REAL FIN, spol. s r.o.Konštantína Čulena 14/8216 91701 Trnava
Established
Monday, April 14, 1997
Legal form
Spoločnosť s ručením obmedzeným
Registered in
Obchodný registerOkresný súd Trnava, Sro/10195/T

Profit 2025

268 K €

+1.8 %Net profit after tax

Assets

685 K €

+20 %Total assets, stated excl. VAT

Equity

673 K €

+28 %Assets less external liabilities

Debt ratio

1.9 %

−6.0 ppLiabilities / total assets

Gross margin

19.3 %

−2.2 ppGross profit / sales
Coming soon

Andromia score

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Profit

+1.8 %
67 K €1,034 €60 K €75 K €231 K €216 K €150 K €261 K €217 K €139 K €263 K €268 K €201420152016201720182019202020212022202320242025201467 K €20151,034 €201660 K €201775 K €2018231 K €2019216 K €2020150 K €2021261 K €2022217 K €2023139 K €2024263 K €2025268 K €

Profit after tax as reported in each year's financial statements. A negative value is a loss.

Revenue

+9.7 %
1.24 M €1.3 M €1.25 M €1.33 M €1.39 M €1.45 M €1.4 M €1.52 M €1.59 M €1.74 M €2.02 M €2.22 M €20142015201620172018201920202021202220232024202520141.24 M €20151.3 M €20161.25 M €20171.33 M €20181.39 M €20191.45 M €20201.4 M €20211.52 M €20221.59 M €20231.74 M €20242.02 M €20252.22 M €

Sales of products, services and goods, i.e. income from the company's core business, without other revenue.

Income tax

Tax liability trend

54 K €43 K €43 K €53 K €67 K €68 K €40 K €70 K €59 K €38 K €72 K €73 K €201420152016201720182019202020212022202320242025Total tax · 201454 K €Total tax · 201543 K €Total tax · 201643 K €Total tax · 201753 K €Total tax · 201867 K €Total tax · 201968 K €Total tax · 202040 K €Total tax · 202170 K €Total tax · 202259 K €Total tax · 202338 K €Total tax · 202472 K €Total tax · 202573 K €Current tax · 202170 K €Current tax · 202259 K €Current tax · 202338 K €Current tax · 202472 K €Current tax · 202573 K €

Total tax is the income tax reported in the income statement. Payable tax is the part the company pays to the state for that year.

Financial indicators

Calculated from accounting statements using standard financial formulas.

Net margin

12.0 %

−0.9 pp

Profit / revenue

Profit margin

12.1 %

−0.9 pp

Profit / sales

ROA

39.1 %

−7.1 pp

Return on assets

ROE

39.8 %

−10 pp

Return on equity

Return on costs

13.7 %

−1.2 pp

Profit / (revenue − profit)

Added value to revenue

19.2 %

−2.2 pp

Added value / revenue

Earnings before tax

340 K €

+1.7 %

Profit + income tax

Effective tax

21.4 %

Income tax / earnings before tax

Total revenue

Sales + other operating + financial income

1.24 M €20141.3 M €20151.25 M €20161.33 M €20171.39 M €20181.45 M €20191.4 M €20201.53 M €20211.6 M €20221.74 M €20232.03 M €20242.22 M €2025

All of the company's revenue for the year. Unlike sales, it also includes asset sales, financial and other revenue.

Income statement

Item2022202320242025
Sales of products, services and goods1.59 M €1.74 M €2.02 M €2.22 M €
Value added357 K €265 K €434 K €427 K €
Operating revenue1.6 M €1.74 M €2.03 M €2.22 M €
Profit after tax217 K €139 K €263 K €268 K €
Income tax59 K €38 K €72 K €73 K €
Current income tax59 K €38 K €72 K €73 K €

Revenue, costs and profit for each year, from the published financial statements.

Non-profit resources and costs

Item2022202320242025
Personnel costs71 K €79 K €87 K €69 K €

The main activity is untaxed, the business activity taxed. Figures from the published financial statements.

Assetsexcl. VAT

  • Non-current assets0 €
  • Current assets685 K €
  • Accruals and deferrals0 €

What the company holds at year end: non-current and current assets, stated excl. VAT.

Liabilities and equity

  • Equity673 K €
  • Liabilities13 K €
  • Accruals and deferrals0 €

How those assets are financed: equity and external liabilities. Equity and liabilities always equal assets.

Balance sheet

Assets (excl. VAT)

Item2022202320242025
Total assets480 K €405 K €570 K €685 K €
Non-current assets0 €0 €0 €0 €
Property, plant and equipment0 €0 €0 €0 €
Non-current intangible assets0 €0 €0 €0 €
Non-current financial assets0 €0 €0 €0 €
Current assets480 K €405 K €570 K €685 K €
Inventory0 €0 €0 €0 €
Non-current receivables0 €0 €0 €0 €
Current receivables209 K €196 K €268 K €310 K €
Current financial assets0 €0 €0 €0 €
Financial accounts270 K €209 K €301 K €375 K €
Accruals and deferrals559 €0 €0 €0 €

Liabilities and equity

Item2022202320242025
Total equity and liabilities480 K €405 K €570 K €685 K €
Equity472 K €394 K €525 K €673 K €
Share capital6,640 €6,640 €14 K €14 K €
Funds and other equity components664 €664 €664 €664 €
Profit/loss of previous years242 K €242 K €242 K €385 K €
Profit/loss for the accounting period after tax217 K €139 K €263 K €268 K €
Liabilities7,004 €11 K €45 K €13 K €
Non-current liabilities0 €266 €563 €794 €
Current liabilities7,004 €11 K €44 K €12 K €
Short-term financial assistance0 €0 €0 €0 €
Long-term bank loans0 €0 €0 €0 €
Short-term bank loans0 €0 €0 €0 €
Provisions0 €0 €0 €0 €
Accruals and deferrals989 €0 €0 €0 €

Assets and how they are financed at the end of each year. Assets are stated excl. VAT.

Company reliability

  • The entity is listed as an unreliable VAT payerNo
  • Former unreliable VAT payerNo
  • Excess VAT deductionNo
  • Tax reliability indexHighly reliable
  • Tax debtNo
  • State receivablesNo
  • State court receivablesNo
  • Debt with VšZPNo
  • Debt with UnionNo
  • Debt with Social Insurance AgencyNo

Central Register of Contracts

Contract count11
Total amount23,375.54 €
Counterparties1
Latest contractTuesday, March 10, 2026

includes 1 record with amendments and cancelled contracts

Largest partners

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Recent contracts

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Zdroj: Centrálny register zmlúv (www.crz.gov.sk), Úrad vlády SR, licencia CC BY 4.0

Business activities

5 registered activities

  • Činnosť samostatného finančného agenta v sektore poistenia alebo zaisteniaValid from Wednesday, August 27, 2014
  • Činnosť samostatného finančného agenta v sektore poskytovania úverov a spotrebiteľských úverovValid Wednesday, August 27, 2014 – Tuesday, February 21, 2017
  • vykonávanie mimoškolskej vzdelávacej činnostiValid from Wednesday, November 10, 2010
  • sprostredkovanie poistenia ako poisťovací agentValid Thursday, September 17, 2009 – Tuesday, August 26, 2014
  • sprostredkovanie obchodu a služiebValid from Monday, April 14, 1997

Statutory bodies and related persons

Statutory body

3 active of 9
  • Mgr. Lenka KollárováActive
    Konateľfrom Monday, May 30, 2022

    Address Ulica Seredská 8710/136A, 91705 Trnava, Slovenská republika

  • Róbert BachratýActive
    Konateľfrom Wednesday, May 14, 2008

    Address Paulínska 18/7432, 91701 Trnava, Slovenská republika

  • Ing. Ján HilkovičActive
    Konateľfrom Tuesday, February 28, 2006

    Address Palárikova 10043/37, 91701 Trnava, Slovenská republika

  • Lenka KollárováEnded
    KonateľMonday, May 30, 2022 – Tuesday, February 18, 2025

    Address Ulica Seredská 8710/136A, 91705 Trnava, Slovenská republika

  • Ing. Ján HilkovičEnded
    KonateľTuesday, February 28, 2006 – Tuesday, February 18, 2025

    Address Paulínska 18, 91701 Trnava, Slovenská republika

  • Miloš LopatkaEnded
    KonateľTuesday, February 28, 2006 – Tuesday, April 20, 2021

    Address Konštantína Čulena 15/8141, 91701 Trnava, Slovenská republika

  • JUDr. Daniel PavelkaEnded
    KonateľMonday, April 14, 1997 – Wednesday, February 6, 2013

    Address Jilemnického 32, 92001 Hlohovec, Slovenská republika

  • JUDr. Daniel PavelkaEnded
    KonateľMonday, April 14, 1997 – Monday, March 6, 2006

    Address Michalská 5, 92001 Hlohovec, Slovenská republika

  • Karol LopatkaEnded
    KonateľMonday, April 14, 1997 – Monday, March 6, 2006

    Address M. Benku 28, 91700 Trnava, Slovenská republika

Related persons

4 active of 24
  • Ing. Ján HilkovičActive
    Spoločník v.o.s. / s.r.o.from Wednesday, February 19, 2025

    Address Palárikova 10043/37, 91701 Trnava, Slovenská republika

    Share16.34 %Contribution2,214 EUR
  • Mgr. Lenka KollárováActive
    Spoločník v.o.s. / s.r.o.from Wednesday, February 19, 2025

    Address Ulica Seredská 8710/136A, 91705 Trnava, Slovenská republika

    Share16.33 %Contribution2,213 EUR
  • Róbert BachratýActive
    Spoločník v.o.s. / s.r.o.from Wednesday, February 19, 2025

    Address Paulínska 7432/18, 91701 Trnava, Slovenská republika

    Share16.33 %Contribution2,213 EUR
  • REALITY FIN, s.r.o.Active
    Spoločník v.o.s. / s.r.o.from Wednesday, February 19, 2025

    Address Konštantína Čulena 8216/14, 91701 Trnava, Slovenská republika

    Share51 %Contribution6,911 EUR
  • Lenka KollárováEnded
    Spoločník v.o.s. / s.r.o.Friday, July 1, 2022 – Tuesday, February 18, 2025

    Address Ulica Seredská 8710/136A, 91705 Trnava, Slovenská republika

    Share25 %Contribution2,213 EUR
  • Ing. Ján HilkovičEnded
    Spoločník v.o.s. / s.r.o.Tuesday, June 21, 2022 – Tuesday, February 18, 2025

    Address Paulínska 18, 91701 Trnava, Slovenská republika

    Share25.01 %Contribution2,214 EUR
  • Róbert BachratýEnded
    Spoločník v.o.s. / s.r.o.Tuesday, June 21, 2022 – Tuesday, February 18, 2025

    Address Paulínska 7432/18, 91701 Trnava, Slovenská republika

    Share25 %Contribution2,213 EUR
  • Mária LopatkováEnded
    Spoločník v.o.s. / s.r.o.Friday, March 5, 2021 – Thursday, June 30, 2022

    Address Konštantína Čulena 8141/15, 91701 Trnava, Slovenská republika

  • Ing. Ján HilkovičEnded
    Spoločník v.o.s. / s.r.o.Thursday, February 7, 2013 – Monday, June 20, 2022

    Address Paulínska 18, 91701 Trnava, Slovenská republika

    Share25.01 %Contribution2,214 EUR
  • Miloš LopatkaEnded
    Spoločník v.o.s. / s.r.o.Thursday, February 7, 2013 – Thursday, March 4, 2021

    Address Konštantína Čulena 15/8141, 91701 Trnava, Slovenská republika

Company history

4 changes in the register

  • Registered office

    4 records
    • Konštantína Čulena 14/8216, 91701 Trnava, Slovenská republikafrom Wednesday, November 10, 2010
    • Dolné Bašty 2, 91701 Trnava, Slovenská republikaTuesday, March 7, 2006 – Tuesday, November 9, 2010
    • Pribinova 46, 92001 Hlohovec, Slovenská republikaThursday, June 2, 2005 – Monday, March 6, 2006
    • SNP 6, 92001 Hlohovec, Slovenská republikaMonday, April 14, 1997 – Wednesday, June 1, 2005

Legal predecessor

  • KRAMARMARIAN, s.r.o.
    ID No.: 47230088from Sunday, December 31, 2017

    Átriová 12, Trnava, Slovenská republika

Legal successor

No legal successor

Registration

Registered in Business Register

Register
Obchodný register
Registration court
Okresný súd Trnava
Registration number
Sro/10195/T
Main activity
Sprostredkovanie veľkoobchodu s iným špecifickým tovarom
Sector (ESA 2010)
Národné súkromné nefinančné korporácie
Tax registration
Active
VAT registration
Active

Legal facts

3 entries from the business register

  • Thursday, September 21, 2000Prispôsobenie spoločenskej zmluvy zákonu č. 11/98 Z.z. dodatkom č. 1 zo dňa 04.09.2000.
  • Monday, April 14, 1997Spoločnosť bola založená spoločenskou zmluvou zo dňa 05.03.1997 podľa slovenského práva.
  • Sunday, December 31, 2017Zlúčenie, splynutie, rozdelenie spoločnosti: Spoločnosť je právnym nástupcom v dôsledku zlúčenia
REAL FIN, spol. s r.o.

Registered office

REAL FIN, spol. s r.o.

Konštantína Čulena 14/8216, 91701 Trnava

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