Apartment association · Õssu küla, Kambja vald
Piibelehe tn 4 apartment association
Kambja vald, Õssu küla, Piibelehe tn 4 korteriühistu (registry code 80390274) manages a 2-storey reinforced-concrete building built in 2015 with 6 flats. According to its 2025 annual report, the association's long-term liabilities were €3,044 (€6 per m² of flat space) and it held €2,034 in cash.
Board
- KPKaupo Pedoskboard member8 years 9 months
- TTTamur Terepingboard member8 years 9 monthsalso: Aiandi tee 7
- House conditiongood
- age, energy class and works done
- Loan affordabilityno data
- loan vs the association's annual income
- Cash bufferaverage
- cash next to the loan, 3-year average
- Managementgood
- reports filed on time
Building
- Built
- 2015
- Storeys
- 2
- Construction
- reinforced concrete
- Flats
- 6
- Heating
- stove
Building page: Piibelehe tn 4 →
Compared with similar buildings: Kambja vald, built 2010–2020, reinforced concrete (22 associations).
Finances by year
Loan principal repayment is an estimated €0.52 per m² of flat space a month, about €26 a month for a 50 m² flat (interest not included) — about average for associations repaying a loan. The median is €0.52 in Estonia and €0.66 in Kambja vald. At the current pace the loan will be repaid around 2026.
| Year | Long-term liabilities | Short-term liabilities | Cash | Income | Labour costs |
|---|---|---|---|---|---|
| 2025 | €3,044 | €534 | €2,034 | — | — |
| 2024 | €6,455 | €472 | €5,491 | — | — |
| 2023 | €6,239 | €629 | €6,030 | — | — |
| 2022 | €5,338 | €690 | €5,407 | — | — |
| 2021 | €3,782 | €825 | €1,873 | — | €0 |
| 2020 | €2,629 | €582 | €1,436 | — | €0 |
| 2019 | €2,017 | €340 | €1,222 | — | €0 |
Compared with similar buildings (Kambja vald, built 2010–2020, reinforced concrete; 22 associations), long-term liabilities per m² of flat space are higher than 86% of them. The median for buildings with a loan is €5/m².
Flats in this building
No flat in this building has been for sale or rent in the last 12 months.
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Value your flatApartment associations nearby
| Grade | Building | Long-term liabilities | Cash | Report |
|---|---|---|---|---|
| – | Piibelehe tn 6Õssu küla2015 · 5 flats | €0 | €1,199 | 2021 |
| A | Piibelehe tn 2Õssu küla2018 · 8 flats | €0 | €4,998 | 2025 |
| – | Piibelehe tn 8Õssu küla2014 · 5 flats | no reports | ||
| B | Piibelehe tn 10Õssu küla2015 · 8 flats | €0 | €10,406 | 2024 |
| – | Keskuse tn 17a // 17b // 17cMärja alevik1986 | €2,587 | €2,843 | 2025 |
| A | Pähna tn 9Õssu küla2012 · 8 flats | €0 | €2,500 | 2025 |
| A | Keskuse tn 11Märja alevik1977 · 75 flats | €204,825 | €28,387 | 2025 |
| A | Pähna tn 11Õssu küla2014 · 8 flats | €0 | €10,332 | 2025 |
Frequently asked questions
Does the association have a loan?
According to its 2025 report, the association has €3,044 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 €2,034.
When was the building built?
According to the building register, it was first used in 2015 and has 2 storeys.
Who is on the association's board?
According to the business register, the board members are Kaupo Pedosk, Tamur Tereping (board since 08.01.2018).
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.