Apartment association · Kuressaare linn, Saaremaa vald
Talve tn 20 apartment association
Saaremaa vald, Kuressaare linn, Talve tn 20 korteriühistu (registry code 80344133) manages a 2-storey wooden building built in 1958 with 8 flats. According to its 2025 annual report, the association's long-term liabilities were €32,403 (€81 per m² of flat space) and it held €2,011 in cash. Long-term liabilities have fallen 36% since 2019.
Board
- IHInna Hindreksonboard member8 years 9 months
- SKSvetlana Kaubiboard member8 years 9 months
- THTiiu Heinväliboard member8 years 9 months
- House conditionaverage
- age, energy class and works done
- Loan affordabilityaverage
- loan vs the association's annual income
- Cash buffergood
- cash next to the loan, 3-year average
- Managementgood
- reports filed on time
Building
- Built
- 1958
- Storeys
- 2
- Construction
- wood
- Flats
- 8
- Lift
- no
- Heating
- stove
Compared with similar buildings: Saaremaa vald, built 1953–1963 (59 associations).
Finances by year
Loan principal repayment is an estimated €0.73 per m² of flat space a month, about €37 a month for a 50 m² flat (interest not included) — more than 71% of associations repaying a loan. The median is €0.52 in Estonia and €0.48 in Saaremaa vald. At the current pace the loan will be repaid around 2035.
| Year | Long-term liabilities | Short-term liabilities | Cash | Income | Labour costs |
|---|---|---|---|---|---|
| 2025 | €32,403 | €3,143 | €2,011 | €2,032 | €0 |
| 2024 | €36,111 | €3,865 | €1,987 | €2,016 | €0 |
| 2023 | €39,578 | €3,713 | €2,285 | €1,710 | €0 |
| 2022 | €43,049 | €3,485 | €2,811 | €6,560 | €0 |
| 2021 | €46,423 | €3,296 | €7,136 | €6,237 | €0 |
| 2020 | €49,609 | €3,193 | €7,112 | €6,101 | €0 |
| 2019 | €50,536 | €5,235 | €7,159 | €7,714 | €0 |
Compared with similar buildings (Saaremaa vald, built 1953–1963; 59 associations), long-term liabilities per m² of flat space are higher than 86% of them. The median for buildings with a loan is €59/m².
Flats in this building
Over the last 12 months 1 flat has been for sale in this building, asking €1,762–€1,762 per m².
What is your flat worth?
An estimate for a flat at Talve tn 20 from similar homes — free and instant.
Value your flatApartment associations nearby
| Grade | Building | Long-term liabilities | Cash | Report |
|---|---|---|---|---|
| D | Talve tn 22Kuressaare linn1953 · 12 flats | €0 | €9,063 | 2025 |
| – | Saue tn 22Kuressaare linn1959 · 5 flats | no reports | ||
| – | Saue tn 18Kuressaare linn1946 · 1 flats | no reports | ||
| A | Uus-Roomassaare tn 40Kuressaare linn2006 · 4 flats | €0 | €2,028 | 2025 |
| – | Uus-Roomassaare tn 24Kuressaare linn1959 · 3 flats | no reports | ||
| – | Talve tn 5Kuressaare linn1966 · 2 flats | no reports | ||
| – | Talve tn 19aKuressaare linn1959 · 2 flats | no reports | ||
| – | Uus-Roomassaare tn 17Kuressaare linn1946 · 5 flats | no reports | ||
Frequently asked questions
Does the association have a loan?
According to its 2025 report, the association has €32,403 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 €2,011.
When was the building built?
According to the building register, it was first used in 1958 and has 2 storeys.
Who is on the association's board?
According to the business register, the board members are Inna Hindrekson, Svetlana Kaubi, Tiiu Heinväli (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.