Moderný úver s. r. o.

Company financial profile・Company ID 47801662・Nám. sv Anny 360/10, 91101 Trenčín・Founded 2014

Financial report Financial statements

Active

Turnover 2025

50 K €

+13 %

Company ID: 47801662
Tax ID: 2024115808
VAT ID: SK2024115808, under §4, registered since Monday, April 8, 2019

Registered office: Moderný úver s. r. o.Nám. sv Anny 360/10 91101 Trenčín
Established: Tuesday, July 8, 2014
Legal form: Spoločnosť s ručením obmedzeným
Registered in: Obchodný registerOkresný súd Trenčín, Sro/30684/R

Profit 2025

3,416 €

−45 %Net profit after tax

Assetsexcl. VAT

33 K €

−8.6 %Total assets, stated excl. VAT

Equity

17 K €

+24 %Assets less external liabilities

Debt ratio

47.6 %

−14 ppLiabilities / total assets

Not available – micro entities do not report this item separately.

Gross margin

89.0 %

+49 ppGross profit / sales

Coming soon

Andromia score

—

Profit

−45 %

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

Revenue

+13 %

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

Income tax

Tax liability trend

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

6.9 %

−7.2 pp

Profit / revenue

Profit margin

6.9 %

−7.2 pp

Profit / sales

ROA

10.3 %

−6.7 pp

Return on assets

ROE

19.6 %

−24 pp

Return on equity

Return on costs

7.4 %

−8.9 pp

Profit / (revenue − profit)

Added value to revenue

89.0 %

+49 pp

Added value / revenue

Earnings before tax

3,832 €

−50 %

Profit + income tax

Effective tax

10.9 %

−9.2 pp

Income tax / earnings before tax

Total revenue

Sales + other operating + financial income

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

Income statement

Item	2022	2023	2024	2025
Sales of products, services and goods	80 K €	69 K €	44 K €	50 K €
Value added	8,644 €	2,383 €	18 K €	44 K €
Operating revenue	96 K €	69 K €	44 K €	50 K €
Profit after tax	688 €	1,010 €	6,179 €	3,416 €
Income tax	431 €	336 €	1,548 €	416 €

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

Non-profit resources and costs

Item	2022	2023	2024	2025
Personnel costs	7,166 €	0 €	9,588 €	40 K €

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

Assetsexcl. VAT

Non-current assets0 €
Current assets33 K €

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

Liabilities and equity

Equity17 K €
Liabilities16 K €

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

Balance sheet

Assets (excl. VAT)

Item	2022	2023	2024	2025
Total assets	12 K €	37 K €	36 K €	33 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	12 K €	37 K €	36 K €	33 K €
Inventory	0 €	0 €	0 €	0 €
Non-current receivables	0 €	0 €	0 €	0 €
Current receivables	0 €	0 €	0 €	0 €
Financial accounts	12 K €	37 K €	36 K €	33 K €

Liabilities and equity

Item	2022	2023	2024	2025
Total equity and liabilities	12 K €	37 K €	36 K €	33 K €
Equity	8,434 €	9,388 €	14 K €	17 K €
Share capital	5,000 €	5,000 €	5,000 €	5,000 €
Profit/loss of previous years	2,246 €	2,878 €	2,355 €	8,534 €
Profit/loss for the accounting period after tax	688 €	1,010 €	6,179 €	3,416 €
Liabilities	3,543 €	28 K €	22 K €	16 K €
Non-current liabilities	0 €	0 €	42 €	226 €
Current liabilities	3,543 €	562 €	4,700 €	650 €
Long-term bank loans	0 €	27 K €	18 K €	15 K €
Short-term bank loans	0 €	0 €	0 €	0 €
Provisions	0 €	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

Business activities

15 registered activities

Administratívne službyValid from Tuesday, July 8, 2014
Činnosť podnikateľských, organizačných a ekonomických poradcovValid from Tuesday, July 8, 2014
Činnosť podriadeného finančného agenta v sektoroch a) poistenia alebo zaistenia, b) kapitálového trhu, c) prijímania vkladov, d) poskytovania úverovValid from Tuesday, July 8, 2014
Kúpa tovaru na účely jeho predaja konečnému spotrebiteľovi (maloobchod) alebo iným prevádzkovateľom živnosti (veľkoobchod)Valid from Tuesday, July 8, 2014
Organizovanie kultúrnych a iných spoločenských podujatíValid from Tuesday, July 8, 2014
Poskytovanie služieb rýchleho občerstvenia v spojení s predajom na priamu konzumáciuValid from Tuesday, July 8, 2014
Poskytovanie úverov alebo pôžičiek z peňažných zdrojov získaných výlučne bez verejnej výzvy a bez verejnej ponuky majetkových hodnôtValid from Tuesday, July 8, 2014
Reklamné a marketingové službyValid from Tuesday, July 8, 2014
Sprostredkovanie poskytovania úverov alebo pôžičiek z peňažných zdrojov získaných výlučne bez verejnej výzvy a bez verejnej ponuky majetkových hodnôtValid from Tuesday, July 8, 2014
Sprostredkovateľská činnosť v oblasti obchoduValid from Tuesday, July 8, 2014

Statutory bodies and related persons

Statutory body

1 active of 3

Silvia RakusActive
Konateľfrom Tuesday, July 8, 2014
Address Zlatovská 2472/22K, 91105 Trenčín, Slovenská republika
Silvia GrünwaldováEnded
KonateľTuesday, July 8, 2014 – Tuesday, June 27, 2017
Address Hurbanova 1596/54, 91101 Trenčín, Slovenská republika
Silvia GrűnwaldováEnded
KonateľTuesday, July 8, 2014 – Wednesday, December 21, 2022
Address Zlatovská 2410/22C, 91105 Trenčín, Slovenská republika

Related persons

1 active of 3

Silvia RakusActive
Spoločník v.o.s. / s.r.o.from Thursday, December 22, 2022
Address Zlatovská 2472/22K, 91105 Trenčín, Slovenská republika
Share100 %Contribution5,000 EUR
Silvia GrünwaldováEnded
Spoločník v.o.s. / s.r.o.Saturday, July 27, 2019 – Wednesday, December 21, 2022
Address Zlatovská 2410/22C, 91105 Trenčín, Slovenská republika
Silvia GrünwaldováEnded
Spoločník v.o.s. / s.r.o.Tuesday, July 8, 2014 – Friday, July 26, 2019
Address Hurbanova 1596/54, 91101 Trenčín, Slovenská republika

Company history

3 changes in the register

Names
2 records
- Moderný úver s. r. o.from Saturday, January 25, 2025
- FAIR PLAY FINANCE s.r.o.Tuesday, July 8, 2014 – Friday, January 24, 2025
Registered office
3 records
- Nám. sv Anny 360/10, 91101 Trenčín, Slovenská republikafrom Tuesday, November 18, 2025
- Zlatovská 2410/22C, 91105 Trenčín, Slovenská republikaSaturday, July 27, 2019 – Monday, November 17, 2025
- Vajanského 694/7, 91101 Trenčín, Slovenská republikaTuesday, July 8, 2014 – Friday, July 26, 2019

Ownership structure

Shareholders above, companies it holds a stake in below.

Registration

Registered in Business Register

Register: Obchodný register
Registration court: Okresný súd Trenčín
Registration number: Sro/30684/R
Main activity: Činnosti poisťovacích agentov a maklérov
Sector (ESA 2010): Národné súkromné finančné pomocné inštitúcie
Tax registration: Active
VAT registration: Active

Moderný úver s. r. o.

Registered office

Moderný úver s. r. o.

Nám. sv Anny 360/10, 91101 Trenčín

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Moderný úver s. r. o.

Profit

Revenue

Income tax

Financial indicators

Total revenue

Income statement

Non-profit resources and costs

Assetsexcl. VAT

Liabilities and equity

Balance sheet

Assets (excl. VAT)

Liabilities and equity

Company reliability

Business activities

Statutory bodies and related persons

Statutory body

Related persons

Company history

Names

Registered office

Ownership structure

Registration

Registered office

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