Apartment association · Urge küla, Tori vald
Urge tee 14 apartment association
Tori vald, Urge küla, Urge tee 14 korteriühistu (registry code 80073266) manages a 2-storey brick building built in 1988 with 12 flats. According to its 2025 annual report, the association's long-term liabilities were €12,494 (€17 per m² of flat space) and it held €4,304 in cash. Long-term liabilities have fallen 56% since 2019.
Board
- AKAnneli Kivisildboard member1 year 7 months
- RGRomek Gaborboard member3 years 8 months
- ÜKÜlle Köidamboard member3 years 8 months
- House conditionaverage
- 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
- 1988
- Storeys
- 2
- Construction
- brick
- Flats
- 12
- Lift
- no
- Heating
- stove
- A
- B
- C
- D
- E
- FFvalid until 10.03.2031
- G
- H
Compared with similar buildings: Tori vald, built 1983–1993 (19 associations).
Finances by year
Loan principal repayment is an estimated €0.29 per m² of flat space a month, about €14 a month for a 50 m² flat (interest not included) — less than 77% of associations repaying a loan. The median is €0.52 in Estonia and €0.55 in Tori vald. At the current pace the loan will be repaid around 2030.
| Year | Long-term liabilities | Short-term liabilities | Cash | Income | Labour costs |
|---|---|---|---|---|---|
| 2025 | €12,494 | €6,478 | €4,304 | €1,631 | — |
| 2024 | €15,603 | €3,336 | €2,105 | €2,058 | — |
| 2023 | €18,363 | €2,970 | €1,072 | €2,108 | — |
| 2022 | €20,890 | €3,100 | €1,412 | €2,050 | — |
| 2021 | €23,270 | €4,220 | €2,162 | €2,119 | — |
| 2020 | €25,864 | €3,525 | €1,596 | €5,902 | — |
| 2019 | €28,359 | €6,309 | €6,488 | €2,160 | — |
Compared with similar buildings (Tori vald, built 1983–1993; 19 associations), long-term liabilities per m² of flat space are higher than 42% of them. The median for buildings with a loan is €56/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 Urge tee 14 from similar homes — free and instant.
Value your flatApartment associations nearby
| Grade | Building | Long-term liabilities | Cash | Report |
|---|---|---|---|---|
| D | Urge tee 10Urge küla1969 · 12 flats | €0 | €7,636 | 2025 |
| – | Urge tee 9Urge küla1969 · 8 flats | €0 | €7,892 | 2023 |
| – | Urge tee 5Urge küla1960 · 3 flats | no reports | ||
| – | Urge tee 1Urge küla1962 · 4 flats | no reports | ||
Frequently asked questions
Does the association have a loan?
According to its 2025 report, the association has €12,494 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 €4,304.
When was the building built?
According to the building register, it was first used in 1988 and has 2 storeys.
Who is on the association's board?
According to the business register, the board members are Anneli Kivisild, Romek Gabor, Ülle Köidam (board since 08.02.2023).
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.