Apartment association · Kohtla-Järve linn
Tervise tn 12 apartment association
Kohtla-Järve linn, Tervise tn 12 korteriühistu (registry code 80280568) manages a 3-storey brick building built in 1959 with 14 flats. According to its 2025 annual report, the association's long-term liabilities were €3,646 (€4 per m² of flat space) and it held €10,694 in cash.
Board
- GBGalina Bernatboard member8 years 9 months
- House conditionweak
- 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
- 1959
- Storeys
- 3
- Construction
- brick
- Flats
- 14
- Lift
- no
- Heating
- district heating
Building page: Tervise tn 12 →
Compared with similar buildings: Kohtla-Järve linn, built 1954–1964, brick (154 associations).
Finances by year
Loan principal repayment is an estimated €0.43 per m² of flat space a month, about €22 a month for a 50 m² flat (interest not included) — less than 61% of associations repaying a loan. The median is €0.52 in Estonia and €0.16 in Kohtla-Järve linn. At the current pace the loan will be repaid around 2026.
| Year | Long-term liabilities | Short-term liabilities | Cash | Income | Labour costs |
|---|---|---|---|---|---|
| 2025 | €3,646 | €9,123 | €10,694 | €36,854 | €0 |
| 2024 | €10,237 | €9,234 | €16,991 | €24,835 | €0 |
| 2023 | €5,178 | €8,496 | €10,432 | €29,254 | €0 |
| 2022 | €8,137 | €9,597 | €14,588 | €16,656 | €0 |
| 2021 | €3,801 | €8,223 | €6,358 | €19,056 | €0 |
| 2020 | €0 | €5,115 | €1,553 | €25,126 | €0 |
| 2019 | €0 | €5,809 | €3,474 | €20,419 | €0 |
Compared with similar buildings (Kohtla-Järve linn, built 1954–1964, brick; 154 associations), long-term liabilities per m² of flat space are higher than 87% of them. The median for buildings with a loan is €6/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 Tervise tn 12 from similar homes — free and instant.
Value your flatApartment associations nearby
| Grade | Building | Long-term liabilities | Cash | Report |
|---|---|---|---|---|
| B | Tervise tn 12a1990 · 14 flats | €59,402 | €21,564 | 2025 |
| D | Tervise tn 101959 · 14 flats | €6,122 | €3,607 | 2025 |
| C | Tervise tn 10a1990 · 14 flats | €13,500 | €3,637 | 2025 |
| C | Tervise tn 8a1990 · 14 flats | €0 | €10,231 | 2025 |
| D | Sõpruse tn 71959 · 27 flats | €0 | €32,757 | 2025 |
| D | Sõpruse tn 11959 · 30 flats | €0 | €7,981 | 2025 |
| D | Jaaniku tn 61961 · 30 flats | €0 | €1,057 | 2025 |
| B | Sõpruse tn 31959 · 27 flats | €5,928 | €11,388 | 2025 |
Frequently asked questions
Does the association have a loan?
According to its 2025 report, the association has €3,646 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 €10,694.
When was the building built?
According to the building register, it was first used in 1959 and has 3 storeys.
Who is on the association's board?
According to the business register, the board members are Galina Bernat (board since 07.01.2018).
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.