PayRay Bank, UAB
Copy
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CopyCompany details
Legal status
ActiveCompany ID
304862948Copy
CopyVAT code
LT100011731512Copy
CopyFrom 05/07/2018
Incorporation date
25/06/2018Company's manager/representative
Renato La Fianza, DirectorCopy
CopyShare capital
36,424,791.00 EURActivity
Other monetary intermediation (64.19.00 - EVRK 2.1)Contacts
Company registration address
Vilnius, A. Domaševičiaus g. 9, LT-01400Check the map
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Pre-Score is a statistical predictive model developed by our partner, SCORIFY, based on open data about legal entities. Pre-Score predicts the probability of a company's bankruptcy within next 12 months. Based on all available data about the company (not only open data), the probability of default is estimated by SCORIFY's GOscore rating, which can be found in credit report.Important: The Pre-Score is an opinion of SCORIFY, expressed by using a defined and specified assessment scale. SCORIFY's opinion is not necessarily the same as the opinion of creditors or the company's about its financial reliability.
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Not calculatedHighest reliabilityLowest reliability
Reliability
A - Highest
B - High
C - Average
D - Low
E - Lowest
No rating is calculated because the company's operations do not meet the rating calculation criteria.
Data on insured persons (natural persons) whose state social insurance commencement has been notified by the employer to the SSIFB.More information: www.sodra.lt
Number of employees
32
-37 ** during past year
The average wage - the amount of wages or other income on which social security contributions are paid. This data is disclosed only if company has more than 3 employees.Average wage
5,663.39 €
4,024.99 €
7,205.40 €
+1,157.11 € ** during past year
Debts
0.00 €
0 € ** during past year
0 %Turnover
No data availableCredit report
25
Data sourcesBusiness linkages
15
LinkagesMonitoring
199
Changes during the yearSimilar companies
15
Similar companiesThe value of a company is calculated by our partner UAB SCORIFY and is based on Excess return model. It measures the ability of business to generate value added profit in both - short and long term.The calculations of Escess return model use main profitability and growth ratios, that are also assessed by analyzing company`s financial state.
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Company's value
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explore Okredo dataCredit limit is a product of our partner, credit risk assessment and artificial intelligence professional company SCORIFY. The credit limit calculation is based on financial statement data provided by company to Register of Legal Entities and statistical credit risk assessment model of GO score - UAB SCORIFY. Main financial ratios used in calculation of credit limit are:
- Tangible assets.
- Working capital.
- Sales.
- Efficiency ratios.
- Profitability ratios.
- Liquidity ratios.
Credit limit will help you:
- Preliminary assess your credit options before applying for a loan or buying a assets by lease (eg equipment or a car).
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Credit limit
Not CalculatedPayRay Bank, UAB related persons
Name, Surname  | Title | Start date | End date | Linkages |
|---|---|---|---|---|
Renato La Fianza | Director | 31/12/2020 | - | 1 |
PayRay Bank, UAB financial ratios
EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization and is a metric used to evaluate a company’s operating performance. It can be seen as a proxy for cash flow from the entire company’s operations.EBITDA margin (%)
Register and
explore Okredo dataEBIT margin shows the profitability of a company over a certain period of time.EBIT margin (%)
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| Indicator |
|---|
| Turnover (€)From 2022 the financial data of public bodies, associations and charities and support funds shows the total income, which is the sum of sales income, financing income and all other income. |
| Sales per employee (€)Sales per employee is a popular efficiency indicator that is often used to measure a company's performance. The average annual number of employees is usually used to calculate the indicator. |
| Profit before tax (€) |
| Net Profit (€) |
| Profit per employee (€)This ratio is on of company's growth indicators. It shows how much profit per employee is earned by the company. |
| Total profitability (%)It is an indicator of company's performance efficiency, calculated as ratio of gross profit to sales revenue. |
| Net profitability (%)This ratio is commonly referred to as a company’s “bottom line” and is a true indicator of a company’s profitability. It shows how much a net profit of € 1 (or other monetary unit) is generated by sales. |
| Equity (€) |
| Amounts Payable And Liabilities (€) |
| Non-current Assets (€) |
| CurrentAssets (€) |
| Working capital requirementThe working capital requirement indicator shows how much funds a company needs to develop and maintain a business. |
| Debt-to-equity ratioThe debt-to-equity ratio is used to evaluate a company's financial leverage and is calculated by dividing a company’s total liabilities by its shareholder equity.
This ratio is a measure of the degree to which a company is financing its operations through debt versus wholly owned funds. More specifically, it reflects the ability of shareholder equity to cover all outstanding debts in the event of a business downturn. |
| EBITDA margin (%)EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization and is a metric used to evaluate a company’s operating performance. It can be seen as a proxy for cash flow from the entire company’s operations. |
| EBITDA (€)EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. Lenders use EBITDA to calculate a company’s ability to repay a loan and pay interest. |
| EBIT margin (%)EBIT margin shows the profitability of a company over a certain period of time. |
| EBIT (€)EBIT (earnings before interest and taxes) is a company's net income before income tax expense and interest expenses are deducted. EBIT is used to analyze the performance of a company's core operations without the costs of the capital structure and tax expenses impacting profit. |
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explore Okredo data| 2025 |
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explore Okredo dataTurnover (€)
2025
Turnover (€)
-Sales per employee (€)
-Profit before tax (€)
-Net Profit (€)
-Profit per employee (€)
-Total profitability (%)
-Net profitability (%)
-Equity (€)
-Amounts Payable And Liabilities (€)
-Non-current Assets (€)
-CurrentAssets (€)
-Credit history
No. of unpaid debts
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Price: €35.99
Premium users: 1.00 credit
Premium users: 1.00 credit
Company has debt ?
No. of unpaid debts
0
Largest debt
-
Amount of unpaid debts
€0.00
Oldest open debt
-
Unpaid debts
Creditor/Data source | Debt amount | Debt date | Debt type |
|---|---|---|---|
- | - | - | - |
Debts payment history
Creditor/Data source | Debt amount | Debt date / Payment date | Debt type |
|---|---|---|---|
- | - | - | - |
Tax debtsSODRA debt is the amount of national social security contributions, fines, late payment penalties and interest that company should have been paid in accordance with the legislation 2 working days before the date of debt public disclosure. Deferred debt is a debt for which the due date has been postponed in accordance with the procedure provided for by law and has not yet expired. Debts is updated only on working days, except for the first working day after the public holiday.
SODRA debt is the amount of national social security contributions, fines, late payment penalties and interest that company should have been paid in accordance with the legislation 2 working days before the date of debt public disclosure. Deferred debt is a debt for which the due date has been postponed in accordance with the procedure provided for by law and has not yet expired. Debts is updated only on working days, except for the first working day after the public holiday.
Sodra debt
STI debtCourts
Defendant
(7)
Plaintiff
(60)
3rd party
(31)
Cases (Company as defendant)
7
Case No./date | Process parties | Case/Court ruling | Court | No. of court hearings | More |
|---|---|---|---|---|---|
26/03/2026e2S-206-657/20262-68-3-09852-2025-2 | Defendant:PayRay Bank, UAB | Reason: atleidimo nuo žyminio mokesčio civilinėje byloje dėl sutarčių nutraukimo pripažinimo neteisėtu ir vykdomųjų įrašų panaikinimo Decision: - | Kauno apygardos teismas | 1 |  |
19/03/2026e2A-255-889/20262-68-3-09852-2025-2 | Defendant:PayRay Bank, UAB | Reason: dėl sutarčių nutraukimo pripažinimo neteisėtu ir vykdomųjų įrašų panaikinimo Decision: Sprendimas paliktas nepakeistas, o skundas atmestas | Klaipėdos apygardos teismas | 3 | |
19/03/2026e2S-960-871/20262-68-3-09852-2025-2 | Defendant:PayRay Bank, UAB | Reason: dėl 2025 m. gruodžio 15 d. nutarties, netenkinti pareiškimo už akių peržiūrėjimo Decision: Nutartis palikta nepakeista | Vilniaus apygardos teismas | 2 | |
26/02/2026e2S-21-894/20262-68-3-09852-2025-2 | Defendant:PayRay Bank, UAB | Reason: laikinųjų apsaugos priemonių taikymo civilinėje byloje dėl sutarčių nutraukimo pripažinimo neteisėtu ir vykdomųjų įrašų panaikinimo Decision: Procesas nutrauktas | Kauno apygardos teismas | 1 | |
19/12/2025e2-50215-1110/20252-68-3-09852-2025-2 | Defendant:PayRay Bank, UAB | Reason: Dėl sprendimo už akių peržiūrėjimo, 1110 Decision: Atsisakyta tenkinti pareiškimą (dėl sprend. už akių perž.). | Vilniaus miesto apylinkės teismas | 2 | |
Cases (Company as plaintiff)
60
Case No./date | Process parties | Case/Court ruling | Court | No. of court hearings | More |
|---|---|---|---|---|---|
24/03/2026e2A-122-940/20262-68-3-09701-2025-5 | Plaintiff:PayRay Bank, UAB | Reason: Dėl skolos, palūkanų ir delspinigių priteisimo (Dėl 2025-10-24 papildomo sprendimo) Decision: - | Panevėžio apygardos teismas | 1 | |
12/03/2026eB2-78-1042/20262-58-3-00105-2024-2 | Defendant:UAB "Eliuda" Applicant:UAB "Vinitela" | Reason: dėl nemokumo (restruktūrizavimo) bylos iškėlimo Decision: - | Šiaulių apygardos teismas | 4 |  |
27/02/2026eE2-10588-1153/20262-68-3-04374-2026-7 | Creditor:PayRay Bank, UAB Debtor:Sabiedrība ar ierobežotu atbildību "Evanagro" | Reason: Dėl Europos mokėjimo įsakymo išdavimo Decision: Patenkintas. | Vilniaus miesto apylinkės teismas | 1 | |
20/02/2026eE2-10589-1018/20262-68-3-04377-2026-0 | Creditor:PayRay Bank, UAB | Reason: Dėl Europos mokėjimo įsakymo išdavimo Decision: Patenkintas. | Vilniaus miesto apylinkės teismas | 1 | |
05/02/2026e2-1349-967/20262-55-3-01442-2025-5 | Plaintiff:PayRay Bank, UAB Defendant:Uždaroji akcinė bendrovė "ALGIRDAI" | Reason: Dėl skolos priteisimo (su prašymu taikyti laikinąsias apsaugos priemones) Decision: Ieškinys patenkintas (visiškai) | Vilniaus apygardos teismas | 3 | |
Cases (Company as third party)
31
Case No./date | Process parties | Case/Court ruling | Court | No. of court hearings | More |
|---|---|---|---|---|---|
23/04/2026e2VP-12945-1026/20262-69-3-04752-2026-8 | Interested party:PayRay Bank, UAB | Reason: Dėl baudos skyrimo vykdomojoje byloje Nr. 0123/25/00110 Decision: - | Kauno apylinkės teismas | 1 | |
23/03/2026e2VP-9681-994/20262-68-3-01216-2025-8 | Applicant:Aktiva Finance Group OU Applicant:UAB "Julianus Inkaso" | Reason: Dėl prieigos prie elektroninės bylos suteikimo, šalies pakeitimo, 994 Decision: Patenkintas. | Vilniaus miesto apylinkės teismas | 1 | |
17/03/2026e2VP-2196-1107/20262-69-3-22086-2025-7 | Interested party:UAB Klovima Interested party:PayRay Bank, UAB | Reason: Dėl baudos skyrimo Decision: Atmestas | Kauno apylinkės teismas | 1 | |
28/01/2026e2VP-1402-962/20262-69-3-21484-2025-8 | Interested party:PayRay Bank, UAB | Reason: Dėl sankcijos skyrimo už antstolio reikalavimų nevykdymą vykdomojoje byloje Nr. 0123/25/00527 Decision: Patenkintas. | Kauno apylinkės teismas | 1 | |
17/12/2025e2S-834-425/20252-69-3-08748-2025-6 | Interested party:PayRay Bank, UAB | Reason: sankcijos skyrimo už antstolio reikalavimų nevykdymą vykdomojoje byloje Nr. 0123/25/00527 Decision: Nutartis palikta nepakeista | Panevėžio apygardos teismas | 1 | |
ESG data
Energy performance of the company's head office building
Information is provided on the basis of public data about building energy efficiency certification published by State Agency of Construction Sector Development.More information: https://www.ssva.lt
Energy efficiency
B
AddressVilnius, A. Domaševičiaus g. 9, LT-01400
Certificate No.AD-0420-01970
Date of issue08/05/2017
Valid till08/05/2027
Heated area1691.35 m²
Heat sourceŠil.šaltinis_1: Šilumos tinklai + centrinis šilumos punktas
Energy consumptionEnergy consumption (kWh/m²/year) - Calculated total energy consumption per square metre of the useful floor area of a building (part of a building).
0 kWh/m²/metaiEnergy consumption (kWh/m²/year) - Calculated total energy consumption per square metre of the useful floor area of a building (part of a building).Co2 emissionCO₂ - the annual carbon dioxide emissions of a building (part of a building).
25.38 kg/m²/metaiCO₂ - the annual carbon dioxide emissions of a building (part of a building).Energy consumption for heating
14.06 kWh/m²/metaiBuilding function
Administracinės paskirties pastataiEnergy effiency class
BVehicles
2
The data is provided only on vehicles that company owns by the right of owner operator or owner-operator. No data will be provided on vehicles that company is financing the purchase of.Company's eco score according CO² of vehicle fleet
Green Index is a unique solution developed by Okredo. This solution allows to estimate the carbon footprint of company's fleet. If WLTP/NEDC carbon footprint data is not provided, then the calculations are made using open technical data of the vehicles provided by the State Enterprise Regitra and the provisions of the Law on Motor Vehicle Registration Tax.The highest level of climate friendlyness applies to those companies, whose vehicles emit no more than 120 g/km of CO2m per vehicle.
<120
120 - 140
140 - 155
155 - 170
170 - 190
190 - 255
255+
Not determinedMaximum environmental friendliness
Lowest environmental friendliness
Vehicles
CLASS
AMOUNT
(<120)0
(120 - 140)0
(140 - 155)0
(155 - 170)0
(170 - 190)0
(190 - 255)0
(255+)0
(Not determined)2
Total
2
Eco score | Brand, model | Category | Engine capacity | Fuel |
|---|---|---|---|---|
- | SCHMITZ Cargobull -First registration: 13/03/2013 | Trailer, semi-trailer over 10t | - | - |
| - | KOEGEL SWCT 24First registration: 07/02/2008 | Trailer, semi-trailer over 10t | - | - |
Trademarks
Company registered trademarks
0
No trademarks found
Public data
Govermental support
Institution | Support measure |
|---|---|
 | Covid 19 aid measures (subsidies, compensation) in 2020 - 2022 |
| Covid 19 aid measures (guarantees provided) in 2020 - 2022 |
| Covid 19 aid measures (loans) in 2020 - 2022 |
 | Non-refundable subsidy for micro-enterprises 2020 |
| Fund of ILTE business stimulation means (2020) |
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explore Okredo dataPublic negative information
Data source | Information |
|---|---|
 | Redundancy of employees group (number of employees notified, date of announcement) |
 | Tax inspectorate information on payments in cash |
 | Public procurement office information on unreliable suppliers |
| Public procurement office information on those that supplied false data |
| Public procurement office information on possible disqualification from public procurement procedures |
Register and
explore Okredo dataPublic data
Data source | Information |
|---|---|
| Top personal income tax payers in 2025 IQ. |
| Top personal income tax payers in 2024. |
| Top taxpayers in 2024. |
| Top personal income tax payers (2024 I-IIIQ). |
| Top tax payers (2024 I-IIIQ). |
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explore Okredo dataLicenses
Licences, certificates, permits, other licensing documents
1
Registration number | Term of validity From / To | Licensing authority | Type | Species |
|---|---|---|---|---|
21 2019-12-03 | 03/12/2019 / No end date | Lietuvos bankas | License | Bank license |
Public procurement
No. of won tenders
0* during past yearTotal value of contracts
0 €Number of announced tenders
0* during past yearTotal value of contracts
0 €Won tenders
Date | Procurer/contractor | Amount | Project |
|---|---|---|---|
- | - | - | - |
Announced tenders
Date | Procurer/contractor | Amount | Project |
|---|---|---|---|
- | - | - | - |
Archive of articles
Data source | Article | Date |
|---|---|---|
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BNS News
0
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22Description
CopyAbout PayRay Bank, UAB
PayRay Bank, UAB was established in 25/06/2018, its legal status according to data of Registry of Legal Entities is Active.Main activity of the company according NACE2 classification – Other monetary intermediation (64.19.00 - EVRK 2.1), 64.19.00. Company is owned by 1 shareholder. Company's representation right – Sole representation.
In PayRay Bank, UAB turnover was EUR, gross profit EUR. According to SODRA company has 32 employees. PayRay Bank, UAB is registered at – Vilnius, A. Domaševičiaus g. 9, LT-01400.
Business objectives of the company as officially recorded in the Register of Legal Entities: finansinių paslaugų teikimas, įskaitant indėlių ir kitų grąžintinų lėšų priėmimą ir skolinimą. Bankas turi teisę teikti finansines paslaugas tik gavęs licenciją ir įregistravęs atitinkamus pakeitimus Lietuvos Respublikos Juridinių asmenų registre (no translation available)
All data about PayRay Bank, UAB is up to date and consistent with the primary data source.