Gildi Kapital OÜ

According to the business register, Gildi Kapital OÜ is on the register card of 5 apartment associations, with about 74 flats in all.

100% of the graded associations (5) have grade A or B. The grade weighs the building's condition and works done, loan affordability, cash buffer and reporting.

The A–E grade is built from public data and compares the association with all apartment associations in Estonia. House condition (40%) takes the building's age into account – a new house needs no renovation – along with the energy certificate and the works on the building that its flats' sale ads describe (sellers' and brokers' unverified claims) – the more works (facade, roof, pipes, heating and so on), the better; in an older building, a loan taken for renovation also counts as investment. Loan affordability (30%) shows how many years of income the long-term liabilities equal – up to three years is entirely normal. Cash buffer (10%) is cash per m² of flat space averaged over the last three year-ends: without a loan a bigger buffer is better; with a loan a moderate one is enough. Management (20%) shows whether the last three years' reports were filed, and on time, with extra points for a professional manager. A loan is not bad in itself: in an older building it usually means the house has been renovated. The grade is updated weekly.

The business register's open data (people and companies on the association's card, annual reports) and the building register. Updated weekly.