Apartment association · Tartu linn
Kapsa tn 1 apartment association
Tartu linn, Kapsa tn 1 korteriühistu (registry code 80576338) manages a 3-storey wooden building built in 2020 with 6 flats. According to its 2025 annual report, the association's long-term liabilities were €2,041 (€4 per m² of flat space) and it held €2,533 in cash.
Board
- LTLaura Tomsonboard member6 years 1 month
- 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
- 2020
- Storeys
- 3
- Construction
- wood
- Flats
- 6
- Heating
- district heating
Compared with similar buildings: Tartu linn, built 2015–2025 (184 associations).
Finances by year
Loan principal repayment is an estimated €0.10 per m² of flat space a month, about €5 a month for a 50 m² flat (interest not included) — less than 95% of associations repaying a loan. The median is €0.52 in Estonia and €0.66 in Tartu linn. At the current pace the loan will be repaid around 2029.
| Year | Long-term liabilities | Short-term liabilities | Cash | Income | Labour costs |
|---|---|---|---|---|---|
| 2025 | €2,041 | €642 | €2,533 | €5,937 | €0 |
| 2024 | €0 | €572 | €488 | €5,488 | €0 |
| 2023 | €0 | €779 | €392 | €8,890 | €0 |
| 2022 | €606 | €804 | €1,563 | €7,272 | €0 |
| 2021 | €370 | €661 | €1,109 | €6,758 | €0 |
| 2020 | €370 | €514 | €1,296 | €4,352 | — |
Compared with similar buildings (Tartu linn, built 2015–2025; 184 associations), long-term liabilities per m² of flat space are higher than 95% of them. The median for buildings with a loan is €4/m².
Flats in this building
Over the last 12 months 1 flat has been for sale in this building, asking €3,975–€3,975 per m².
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| Grade | Building | Long-term liabilities | Cash | Report |
|---|---|---|---|---|
| – | Herne tn 51a2011 · 4 flats | €0 | €3,379 | 2020 |
| – | Selleri tn 82020 · 6 flats | €0 | €769 | 2023 |
| E | Herne tn 561910 · 8 flats | €164,564 | €8,768 | 2024 |
| A | Herne tn 45a2020 · 5 flats | €0 | €5,443 | 2025 |
| D | Piiri tn 21915 · 5 flats | €0 | €16,434 | 2024 |
| – | Marja tn 291977 · 4 flats | no reports | ||
| – | Marja tn 261977 · 1 flats | no reports | ||
| – | Marja tn 251977 · 4 flats | no reports | ||
Frequently asked questions
Does the association have a loan?
According to its 2025 report, the association has €2,041 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 €2,533.
When was the building built?
According to the building register, it was first used in 2020 and has 3 storeys.
Who is on the association's board?
According to the business register, the board members are Laura Tomson (board since 17.09.2020).
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, 2020–2025). Building: building register. Flats on offer: Leiamaakler.ee data from the property portals.