Apartment association · Tõrva linn, Tõrva vald
Ehitaja tn 10 apartment association
Tõrva vald, Tõrva linn, Ehitaja tn 10 korteriühistu (registry code 80178189) manages a 4-storey panel building built in 1972 with 32 flats. According to its 2025 annual report, the association's long-term liabilities were €185,040 (€87 per m² of flat space) and it held €33,220 in cash. Long-term liabilities have fallen 32% since 2019.
Board
- KVKristo Vaharboard member8 years 9 months
- MKMarika Küttboard member8 years 9 months
- TRTiina Raagboard member8 years 9 months
- ÕÕÕnnela Õispuuboard member1 year 4 months
- House conditiongood
- age, energy class and works done
- Loan affordabilitygood
- loan vs the association's annual income
- Cash buffergood
- cash next to the loan, 3-year average
- Managementgood
- reports filed on time
Building
- Built
- 1972
- Storeys
- 4
- Construction
- panel
- Flats
- 32
- Lift
- no
- Heating
- district heating
- Renovated
- yes
Works on the building
per the building register
- A
- BBvalid until 24.03.2029
- C
- D
- E
- F
- G
- H
Building page: Ehitaja tn 10 →
Compared with similar buildings: Tõrva vald (54 associations).
Finances by year
Loan principal repayment is an estimated €0.58 per m² of flat space a month, about €29 a month for a 50 m² flat (interest not included) — about average for associations repaying a loan. The median is €0.52 in Estonia. At the current pace the loan will be repaid around 2038.
| Year | Long-term liabilities | Short-term liabilities | Cash | Income | Labour costs |
|---|---|---|---|---|---|
| 2025 | €185,040 | €36,420 | €33,220 | €40,646 | -€3,810 |
| 2024 | €200,623 | €33,782 | €28,216 | €39,320 | €5,036 |
| 2023 | €215,787 | €33,983 | €26,557 | €35,452 | €3,809 |
| 2022 | €230,526 | €31,384 | €24,968 | €30,283 | €3,661 |
| 2021 | €244,885 | €27,470 | €19,721 | €29,973 | €3,362 |
| 2020 | €258,858 | €22,574 | €13,574 | €29,859 | €3,362 |
| 2019 | €272,454 | €20,118 | €9,201 | €30,719 | €3,362 |
Compared with similar buildings (Tõrva vald; 54 associations), long-term liabilities per m² of flat space are higher than 69% of them. The median for buildings with a loan is €115/m².
Flats in this building
Over the last 12 months 1 flat has been for sale in this building, asking €711–€711 per m².
Estate agents in Tõrva · Flat prices in Tõrva
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An estimate for a flat at Ehitaja tn 10 from similar homes — free and instant.
Value your flatApartment associations nearby
| Grade | Building | Long-term liabilities | Cash | Report |
|---|---|---|---|---|
| B | Ehitaja tn 8Tõrva linn24 flats | €295,847 | €9,308 | 2025 |
| B | Ehitaja tn 12Tõrva linn1989 · 24 flats | €254,316 | €24,264 | 2025 |
| A | Ehitaja tn 6Tõrva linn1980 · 32 flats | €242,595 | €12,907 | 2025 |
| D | Ehitaja tn 1Tõrva linn1985 · 30 flats | €0 | €29,125 | 2025 |
| C | Ehitaja tn 3Tõrva linn1985 · 30 flats | €0 | €76,612 | 2025 |
| A | Ehitaja tn 7Tõrva linn1999 · 30 flats | €0 | €45,925 | 2025 |
| B | Ehitaja tn 9Tõrva linn1978 · 30 flats | €168,756 | €22,214 | 2025 |
| E | Ehitaja tn 4Tõrva linn1975 · 24 flats | €209,259 | €4,529 | 2025 |
Frequently asked questions
Does the association have a loan?
According to its 2025 report, the association has €185,040 of long-term liabilities. The report's key figures do not separate a bank loan from a renovation grant — the association's own statement gives the exact loan balance.
How much cash does the association have?
At the end of 2025 the association held €33,220.
When was the building built?
According to the building register, it was first used in 1972 and has 4 storeys.
Who is on the association's board?
According to the business register, the board members are Kristo Vahar, Marika Kütt, Tiina Raag, Õnnela Õispuu (board since 06.01.2018).
How is the association grade calculated?
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.
Where does the data come from?
Finances: business register open data (annual-report key figures, 2019–2025). Building: building register. Flats on offer: Leiamaakler.ee data from the property portals.