Apartment association · Kaagvere küla, Kastre vald
Kaagvere keskus 10 apartment association
Kastre vald, Kaagvere küla, Kaagvere keskus 10 korteriühistu (registry code 80093659) manages a 3-storey panel building built in 1985 with 36 flats. According to its 2025 annual report, the association's long-term liabilities were €453,573 (€263 per m² of flat space) and it held €46,635 in cash. In 2024 long-term liabilities rose from €0 to €471,562 — usually a sign of a renovation.
Board
- EPEiko Pitkaboard member4 years 7 monthsalso: Jaama tn 77
- IŠIira Šmutovaboard member5 years 1 month
- OSOliivia Sõrraboard member2 months
- SJSirje Jõgiaasboard member5 years 1 monthalso: Kaagvere keskus 7
- VKVeiko Kõivboard member1 year 1 month
- House conditionaverage
- age, energy class and works done
- Loan affordabilityaverage
- loan vs the association's annual income
- Cash bufferaverage
- cash next to the loan, 3-year average
- Managementgood
- reports filed on time
Building
- Built
- 1985
- Storeys
- 3
- Construction
- panel
- Flats
- 36
- Lift
- no
- Heating
- district heating
- A
- B
- C
- D
- EEvalid until 01.01.2032
- F
- G
- H
Building page: Kaagvere keskus 10 →
Compared with similar buildings: Kastre vald, built 1980–1990 (15 associations).
Finances by year
Loan principal repayment is an estimated €0.87 per m² of flat space a month, about €44 a month for a 50 m² flat (interest not included) — more than 81% of associations repaying a loan. The median is €0.52 in Estonia. At the current pace the loan will be repaid around 2051.
| Year | Long-term liabilities | Short-term liabilities | Cash | Income | Labour costs |
|---|---|---|---|---|---|
| 2025 | €453,573 | €62,127 | €46,635 | €36,200 | €958 |
| 2024 | €471,562 | €59,425 | €44,220 | €655,482 | €3,423 |
| 2023 | €0 | €73,831 | €59,569 | €27,068 | €2,884 |
| 2022 | €0 | €33,646 | €29,788 | €19,244 | €4,147 |
| 2021 | €0 | €26,155 | €19,200 | €45,216 | €4,127 |
| 2020 | €0 | €61,834 | €52,198 | €8,257 | €1,937 |
| 2019 | €0 | €53,023 | €48,811 | €8,395 | €431 |
Compared with similar buildings (Kastre vald, built 1980–1990; 15 associations), long-term liabilities per m² of flat space are higher than 80% of them. The median for buildings with a loan is €119/m².
Flats in this building
No flat in this building has been for sale or rent in the last 12 months.
What is your flat worth?
An estimate for a flat at Kaagvere keskus 10 from similar homes — free and instant.
Value your flatApartment associations nearby
| Grade | Building | Long-term liabilities | Cash | Report |
|---|---|---|---|---|
| D | Kaagvere keskus 9Kaagvere küla1979 · 18 flats | €57,969 | €2,152 | 2025 |
| C | Kaagvere keskus 8Kaagvere küla1967 · 22 flats | €0 | €72,182 | 2025 |
| A | Kaagvere keskus 7Kaagvere küla1935 · 8 flats | €0 | €12,997 | 2025 |
| E | Kaagvere keskus 6Kaagvere küla1969 · 8 flats | €0 | €19,565 | 2024 |
| E | Kaagvere keskus 5Kaagvere küla1939 · 8 flats | €60,208 | €794 | 2025 |
| B | Kaagvere keskus 4Kaagvere küla1960 · 13 flats | €0 | €21,296 | 2025 |
| A | Uus tn 5Luunja alevik, Uus tn 21983 · 60 flats | €299,912 | €78,930 | 2025 |
Frequently asked questions
Does the association have a loan?
According to its 2025 report, the association has €453,573 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 €46,635.
When was the building built?
According to the building register, it was first used in 1985 and has 3 storeys.
Who is on the association's board?
According to the business register, the board members are Eiko Pitka, Iira Šmutova, Oliivia Sõrra, Sirje Jõgiaas, Veiko Kõiv (board since 21.09.2021).
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.