RATO bankas, UAB
Copy
Copy
CopyCompany details
Legal status
ActiveCompany ID
112043124Copy
CopyVAT code
LT100018036315Copy
CopyFrom 22/05/2025
Incorporation date
30/05/1996Company's manager/representative
Vladislav Jančis, Head of AdministrationCopy
CopyShare capital
6,100,000.00 EURActivity
Other monetary intermediation (64.19.00 - EVRK 2.1)Contacts
Company registration address
Vilnius, J. Jasinskio g. 14A-105, LT-01112Check 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
33
+8 ** 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
4,763.44 €
3,966.01 €
6,039.34 €
0 € ** during past year
Debts
0.00 €
0 € ** during past year
0 %Turnover
0 €Credit report
25
Data sourcesBusiness linkages
65
LinkagesMonitoring
119
Changes during the yearSimilar companies
28
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.
Company`s value helps:
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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:
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Credit limit
Not CalculatedRATO bankas, UAB related persons
Name, Surname  | Title | Start date | End date | Linkages |
|---|---|---|---|---|
Vladislav Jančis | Head of Administration | 31/12/2025 | - | 18 |
RATO bankas, 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 (%)
Register and
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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. |
| 2022 |
|---|
| 0 |
| 0 |
| 1,140,000 |
| 971,000 |
| 41,890 |
| - |
| - |
| 5,932,000 |
| 67,925,000 |
| 0 |
| - |
| 2023 |
|---|
| 0 |
| 0 |
| 1,002,000 |
| 862,000 |
| 36,295 |
| - |
| - |
| 7,214,000 |
| 78,201,000 |
| 0 |
| - |
| 2024 |
|---|
| 0 |
| 0 |
| 792,000 |
| 688,000 |
| 28,220 |
| - |
| - |
| 8,068,000 |
| 80,005,000 |
| 0 |
| - |
Register and
explore Okredo data| 2024 |
|---|
| 0 |
| 0 |
| 792,000 |
| 688,000 |
| 28,220 |
| - |
| - |
| 8,068,000 |
| 80,005,000 |
| 0 |
| - |
Register and
explore Okredo dataTurnover (€)
2024
Turnover (€)
0 €
- *
Sales per employee (€)
0 €- *
Profit before tax (€)
792,000 €
-21 % *
Net Profit (€)
688,000 €-20 % *
Profit per employee (€)
28,220 €-22 % *
Total profitability (%)
-Net profitability (%)
-Equity (€)
8,068,000 €
12 % *
Amounts Payable And Liabilities (€)
80,005,000 €
2 % *
Non-current Assets (€)
0 €- *
CurrentAssets (€)
-Credit history
No. of unpaid debts
Register and
explore Okredo dataAmount 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
(6)
Plaintiff
(21)
3rd party
(21)
Cases (Company as defendant)
6
Case No./date | Process parties | Case/Court ruling | Court | No. of court hearings | More |
|---|---|---|---|---|---|
26/08/2025e2-275-1059/20252-59-3-00090-2025-7 | Plaintiff:UAB ILTE Defendant:RATO bankas, UAB | Reason: Dėl skolos ir palūkanų priteisimo Decision: Preliminariu sprendimu ieškinys patenkintas | Panevėžio apygardos teismas | 2 |  |
26/08/2025e2-276-1059/20252-59-3-00091-2025-8 | Plaintiff:UAB ILTE Defendant:RATO bankas, UAB | Reason: Dėl skolos ir palūkanų priteisimo Decision: Preliminariu sprendimu ieškinys patenkintas | Panevėžio apygardos teismas | 2 | |
26/08/2025e2-277-1059/20252-59-3-00092-2025-9 | Plaintiff:UAB ILTE Defendant:RATO bankas, UAB | Reason: Dėl skolos ir palūkanų priteisimo Decision: Preliminariu sprendimu ieškinys patenkintas | Panevėžio apygardos teismas | 2 | |
03/03/2025e2-1438-430/20252-55-3-01424-2024-4 | Defendant:RATO bankas, UAB | Reason: Dėl suklydimo sudarytų sandorio nuostatų pripažinimo negaliojančiomis ir laikinųjų apsaugos priemonių taikymo Decision: Byla nutraukta, patvirtinus taikos sutartį | Vilniaus apygardos teismas | 5 |  |
29/10/2024e2A-394-450/20242-55-3-00445-2023-5 | Defendant:UAB "Krelona" Defendant:Kredito unija "Vilniaus taupomoji kasa" | Reason: dėl paskolos sutarties nuostatų pripažinimo negaliojančiomis ab initio, paskolos sutarties modifikavimo, vykdomojo įrašo pakeitimo, skolos dydžio perskaičiavimo Decision: Sprendimas paliktas nepakeistas, o skundas atmestas | Lietuvos apeliacinis teismas | 3 | |
Cases (Company as plaintiff)
21
Case No./date | Process parties | Case/Court ruling | Court | No. of court hearings | More |
|---|---|---|---|---|---|
31/03/2026eB2-1792-864/20262-55-3-00892-2025-3 | Defendant:UAB "Stabilus Srautas" Representative of defendant:UAB "Angorela" | Reason: Dėl kreditorių Rato bankas, uždarosios akcinės bendrovės Kredito unijos Litas, Raseinių Kredito unijos, Ignalinos Kredito unijos, Jungtinė centrinė Kredito unijos, LTL Kredito unijos ginčijamo finansinio reikalavimo patvirtinimo Decision: - | Vilniaus apygardos teismas | 1 | |
18/03/2026eB2-1453-803/20262-55-3-00342-2021-9 | Defendant:UAB "Nekilnojamojo turto valdymas" Applicant:MB "Jūsų Aušrė" | Reason: Skundas dėl BUAB „Nekilnojamo turto valdymas“
2025-12-29 kreditorių susirinkimo nutarimų darbotvarkės 3.1, 3.2, 3.3, 3.4 ir 3.5 klausimais Decision: - | Vilniaus apygardos teismas | 3 | |
19/02/2026e2-207-866/20262-55-3-00342-2021-9 | Defendant:UAB "Nekilnojamojo turto valdymas" Applicant:Valstybinė mokesčių inspekcija prie Lietuvos Respublikos finansų ministerijos | Reason: dėl atsiskaitymo su kreditoriumi Decision: Nutartis palikta nepakeista | Lietuvos apeliacinis teismas | 1 | |
05/01/2026eB2-50-803/20262-55-3-00342-2021-9 | Defendant:UAB "Nekilnojamojo turto valdymas" Applicant:Valstybinė mokesčių inspekcija prie Lietuvos Respublikos finansų ministerijos | Reason: Dėl bankroto bylos iškėlimo Decision: - | Vilniaus apygardos teismas | 1 | |
08/12/2025eL2-19498-1221/20252-48-3-02498-2025-9 | Creditor:RATO bankas, UAB | Reason: Dėl piniginio reikalavimo atsiradusio iš sutarties Decision: Teismo įsakymas priimtas. | Vilniaus regiono apylinkės teismas | 1 | |
Cases (Company as third party)
21
Case No./date | Process parties | Case/Court ruling | Court | No. of court hearings | More |
|---|---|---|---|---|---|
15/04/2026e2YT-10043-1268/20262-68-3-04009-2026-2 | Interested party:UAB "SANITEX" Interested party:Uždaroji akcinė bendrovė "AMBER MARKETING" | Reason: Dėl santuokos nutraukimo abiejų sutuoktinių bendru sutikimu Decision: - | Vilniaus miesto apylinkės teismas | 1 | |
12/03/2026e2YT-3440-1169/20262-68-3-35350-2025-4 | Applicant:UAB "Ekspovizija" Interested party:RATO bankas, UAB | Reason: Dėl antstolio veiksmų Decision: - | Vilniaus miesto apylinkės teismas | 3 | |
10/03/2026e2YT-9449-1110/20262-68-3-03587-2026-2 | Applicant:UAB "Ekspovizija" Interested party:RATO bankas, UAB | Reason: Skundas dėl antstolio veiksmų Decision: Atmestas | Vilniaus miesto apylinkės teismas | 2 | |
09/03/2026e2YT-1562-869/20262-68-3-26998-2025-2 | Interested party:RATO bankas, UAB | Reason: Dėl santuokos nutraukimo abiejų sutuoktinių bendru sutikimu Decision: Patenkintas. | Vilniaus miesto apylinkės teismas | 2 | |
22/01/2026e2S-85-613/20262-68-3-22800-2025-0 | Interested party:RATO bankas, UAB | Reason: dėl antstolio veiksmų Decision: Nutartis palikta nepakeista | Klaipėdos apygardos teismas | 3 | |
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
G
AddressVilnius, J. Jasinskio g. 14A-105, LT-01112
Certificate No.KG-0488-09231
Date of issue18/02/2019
Valid till18/02/2029
Heated area58.9 m²
Heat sourcenenustatyta
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).
-CO₂ - the annual carbon dioxide emissions of a building (part of a building).Energy consumption for heating
-Building function
Kiti gyvenamieji pastatai (namai)Energy effiency class
GVehicles
4
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)2
(120 - 140)0
(140 - 155)0
(155 - 170)0
(170 - 190)0
(190 - 255)2
(255+)0
(Not determined)0
Total
4
Eco score | Brand, model | Category | Engine capacity | Fuel |
|---|---|---|---|---|
0 | MERCEDES-BENZ EQC 400 4MATICFirst registration: 20/02/2020 | Passenger car | - | Electricity |
| 20 | LAND ROVER RANGE ROVERFirst registration: 18/07/2023 | Passenger car | 2,996.00 cm³ | Petrol / Electricity |
193 | SUBARU OUTBACKFirst registration: 16/01/2026 | Passenger car | 2,498.00 cm³ | Petrol |
| 219.51 | AUDI A8First registration: 01/03/2023 | Passenger car | 2,995.00 cm³ | Petrol / Electricity |
Trademarks
Company registered trademarks
2
Trademark view | Trademark | Type | Application No | Registration No | Expire | TM status |
|---|---|---|---|---|---|---|
 | RATO PADELIO ARENA | Graphical | 2022 1813 | 88641 | 14/11/2032 | Registered |
 | 1 VILNIAUS REGIONO KREDITO UNIJA | Graphical | 2013 1031 | 68657 | 14/06/2023 | De-registered without renewal |
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 |
|---|---|
 | Data from the B2Lithuania database of exporters |
| The biggest taxpayers in 2021 |
| Top taxpayers in 2021 excluding excise duties and VAT. |
| Top personal income tax payers in 2021 |
| Top taxpayers for corporate income tax in 2021 |
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explore Okredo dataLicenses
Licences, certificates, permits, other licensing documents
4
Registration number | Term of validity From / To | Licensing authority | Type | Species |
|---|---|---|---|---|
9 2025-10-16 | 16/10/2025 / No end date | Lietuvos bankas | License | Specialized bank license |
A635-120/23(2.3.2.1E-LIC) 2023-01-25 | 29/01/2023 / 28/01/2026 | Vilniaus miesto savivaldybės administracija | Permit | Permit to install external advertising |
A635-120/23(2.3.2.1E-LIC) 2023-01-25 | 29/01/2023 / 29/01/2026 | Vilniaus miesto savivaldybės administracija | Permit | Permit to install external advertising |
10 1996-05-30 | 30/05/1996 / No end date | Lietuvos bankas | License | Credit union 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
BNS News
0
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Other monetary intermediationComp. code:
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21Description
CopyAbout RATO bankas, UAB
RATO bankas, UAB was established in 30/05/1996, 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's representation right – Sole representation.
In 2024 RATO bankas, UAB turnover was 0 EUR, gross profit 688,000 EUR. According to SODRA company has 33 employees. RATO bankas, UAB is registered at – Vilnius, J. Jasinskio g. 14A-105, LT-01112.
Business objectives of the company as officially recorded in the Register of Legal Entities: Specializuoto banko įstatuose numatytų ir teisės aktais leidžiamų finansinių paslaugų teikimas, siekiant gauti pelno, bei užtikrinti tvarią, tęstinę Specializuoto banko veiklą; teikti aukštos kokybės Specializuoto banko paslaugas. Specializuoto banko objektas - Specializuoto banko įstatų 2.4 punkte numatytų finansinių paslaugų teikimas. Specializuotas bankas dirba, laikydamasis jam taikomų banko veiklos riziką ribojančių normatyvų, kurių dydžius ir apskaičiavimo metodiką nustato Europos sąjungos ir Lietuvos Respublikos teisės aktai. Specializuoto banko teikiamos finansinės paslaugos yra šios: indėlių ir kitų grąžintinų lėšų priėmimas iš neprofesionaliųjų rinkos dalyvių; skolinimas (įskaitant hipotekines paskolas); finansinė nuoma (lizingas); mokėjimo paslaugos; kelionių čekių, vekselių ir kitų mokėjimo priemonių išdavimas ir administravimas, jei šios veiklos neapima 2.4.4 punkte nurodytos paslaugos; finansinių laidavimų ir finansinių garantijų teikimas; finansinis tarpininkavimas (agento veikla); pinigų tvarkymas; kreditingumo vertinimo paslaugos; seifo kamerų nuoma; valiutos keitimas (grynaisiais pinigais); elektroninių pinigų leidimas. Specializuotas bankas, be finansinių paslaugų teikimo, gali verstis tik tokia kita veikla, be kurios neįmanoma teikti finansinių paslaugų, kuri padeda teikti finansines paslaugas ar yra kitaip tiesiogiai susijusi su finansinių paslaugų teikimu (no translation available)
All data about RATO bankas, UAB is up to date and consistent with the primary data source.