Active

Úvery a Bývanie, s. r. o.

Company financial profile・Company ID 46861955・Chemická 20, 83104 Bratislava・Founded 2012

Financial report Financial statements

Turnover 2025

49 K €

+30 %

Company ID: 46861955
Tax ID: 2023627782
VAT ID: —

Registered office: Úvery a Bývanie, s. r. o.Chemická 20 83104 Bratislava
Established: Saturday, October 20, 2012
Legal form: Spoločnosť s ručením obmedzeným
Registered in: Obchodný registerMestský súd Bratislava III, Sro/84839/B

Profit 2025

2,866 €

+122 %

Assets

28 K €

+12 %

Equity

27 K €

+12 %

Debt ratio

3.7 %

−0.2 pp

Gross margin

31.5 %

+4.0 pp

Coming soon

Andromia score

—

Profit

+122 %

Revenue

+30 %

Financial indicators

Calculated from accounting statements using standard financial formulas.

Net margin

5.9 %

+2.5 pp

Profit / revenue

ROA

10.3 %

+5.1 pp

Return on assets

ROE

10.7 %

+5.3 pp

Return on equity

Current ratio

30.67

+5.0 %

Current assets / current liabilities

Earnings before tax

3,206 €

+96 %

Profit + income tax

Effective tax

10.6 %

−10 pp

Income tax / earnings before tax

Net working capital

27 K €

+12 %

Current assets − current liabilities

Revenue CAGR

8.1 %

Average annual revenue growth

Total revenue

Sales + other operating + financial income

Income statement

Item	2022	2023	2024	2025
Sales of products, services and goods	57 K €	32 K €	37 K €	49 K €
Value added	6,335 €	7,488 €	10 K €	15 K €
Operating revenue	57 K €	32 K €	37 K €	49 K €
Profit after tax	809 €	1,270 €	1,292 €	2,866 €
Income tax	215 €	224 €	340 €	340 €
Current income tax	215 €	224 €	340 €	340 €

Assets

Non-current assets0 €
Current assets28 K €
Accruals and deferrals0 €

Liabilities and equity

Equity27 K €
Liabilities1,035 €
Accruals and deferrals0 €

Balance sheet

Assets

Item	2022	2023	2024	2025
Total assets	23 K €	23 K €	25 K €	28 K €
Non-current assets	0 €	0 €	0 €	0 €
Property, plant and equipment	0 €	0 €	0 €	0 €
Non-current intangible assets	0 €	0 €	0 €	0 €
Non-current financial assets	0 €	0 €	0 €	0 €
Current assets	23 K €	23 K €	25 K €	28 K €
Inventory	0 €	0 €	0 €	0 €
Non-current receivables	0 €	0 €	0 €	0 €
Current receivables	0 €	2,228 €	7,732 €	13 K €
Current financial assets	0 €	0 €	0 €	0 €
Financial accounts	23 K €	21 K €	17 K €	15 K €
Accruals and deferrals	0 €	0 €	0 €	0 €

Liabilities and equity

Item	2022	2023	2024	2025
Total equity and liabilities	23 K €	23 K €	25 K €	28 K €
Equity	21 K €	23 K €	24 K €	27 K €
Share capital	5,000 €	5,000 €	5,000 €	5,000 €
Funds and other equity components	500 €	500 €	500 €	500 €
Profit/loss of previous years	15 K €	16 K €	17 K €	18 K €
Profit/loss for the accounting period after tax	809 €	1,270 €	1,292 €	2,866 €
Liabilities	1,311 €	828 €	973 €	1,035 €
Non-current liabilities	112 €	124 €	124 €	131 €
Current liabilities	616 €	704 €	849 €	904 €
Short-term financial assistance	0 €	0 €	0 €	0 €
Long-term bank loans	0 €	0 €	0 €	0 €
Short-term bank loans	0 €	0 €	0 €	0 €
Provisions	583 €	0 €	0 €	0 €
Accruals and deferrals	0 €	0 €	0 €	0 €

Income tax

Tax liability trend

Total taxCurrent tax

Company reliability

The entity is listed as an unreliable VAT payerNo
Former unreliable VAT payerNo
Excess VAT deductionNo
Tax reliability indexReliable
Tax debtNo
Debt with VšZPNo
Debt with UnionNo
Debt with Social Insurance AgencyNo

Business activities

31 registered activities

dokončovacie stavebné práce pri realizácii interiérov a exteriérovValid from Friday, November 9, 2018
murárstvoValid from Friday, November 9, 2018
nákladná cestná doprava vykonávaná vozidlami s celkovou hmotnosťou do 3,5 t vrátane prípojného vozidlaValid from Friday, November 9, 2018
opracovanie drevenej hmoty a výroba komponentov z drevaValid from Friday, November 9, 2018
prípravné práce k realizácii stavbyValid from Friday, November 9, 2018
sprostredkovanie poskytovania úverov alebo pôžičiek z peňažných zdrojov získaných výlučne bez verejnej výzvy a bez verejnej ponuky majetkových hodnôtValid from Friday, November 9, 2018
uskutočňovanie stavieb a ich zmienValid from Friday, November 9, 2018
výroba jednoduchých drevárskych výrobkov, zostavovanie stolárskych dielcov alebo súčastí z dreva do finálnych produktov a ich údržbaValid from Friday, November 9, 2018
výroba ventilov a armatúrValid from Friday, November 9, 2018
podriadený finančný agent v sektore doplnkového dôchodkového sporeniaValid from Saturday, December 10, 2016

Statutory bodies and related persons

Statutory body

2 active of 2

Ing. Alena Holubová
Konateľfrom Saturday, October 20, 2012
Address Chemická 20, 83104 Bratislava, Slovenská republika
Jozef Holub
Konateľfrom Saturday, October 20, 2012
Address Chemická 20, 83104 Bratislava, Slovenská republika

Related persons

2 active of 2

Ing. Alena Holubová
Spoločník v.o.s. / s.r.o.from Saturday, October 20, 2012
Address Chemická 20, 83104 Bratislava, Slovenská republika
Share50 %Contribution2,500 EUR
Jozef Holub
Spoločník v.o.s. / s.r.o.from Saturday, October 20, 2012
Address Chemická 20, 83104 Bratislava, Slovenská republika
Share50 %Contribution2,500 EUR

Registration

Registered in Business Register

Register: Obchodný register
Registration court: Mestský súd Bratislava III
Registration number: Sro/84839/B
Main activity: Činnosti poisťovacích agentov a maklérov
Sector (ESA 2010): Národné súkromné finančné pomocné inštitúcie
Tax registration: Active

Legal facts

2 entries from the business register

Saturday, December 12, 2015Zápisnica z valného zhromaždenia zo dňa 07.12. 2015.
Saturday, October 20, 2012Obchodná spoločnosť bola založená spoločenskou zmluvou zo dňa 17.09.2012 v súlade s ust. § 57, § 105 – § 153 zák. č. 513/1991 Zb. Obchodný zákonník.

Úvery a Bývanie, s. r. o.

Registered office

Úvery a Bývanie, s. r. o.

Chemická 20, 83104 Bratislava

Open in Google Maps

Úvery a Bývanie, s. r. o.

Profit

Revenue

Financial indicators

Total revenue

Income statement

Assets

Liabilities and equity

Balance sheet

Assets

Liabilities and equity

Income tax

Company reliability

Business activities

Statutory bodies and related persons

Statutory body

Related persons

Registration

Legal facts

Registered office

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