Banking gate
We registered the company in March. LHV refused our account in May. Now Wise won't open one either. We don't even know which question to ask.
Founder, Berlin · cross-border
SULEV PIKKER · ESTONIA · SINCE 1991
Created for business owners whose situation is outside the templates
Cross-domain advisory for Estonian companies with foreign owners, as well as local SME owners in the areas of finance, taxes, legal risks, partner conflicts, crises and growth.
Fifteen minutes, no charge · usually booked within 24h
Smart Assistant
The registry sent my company a warning letter. How bad is it?
Usually fixable. Tell me what the letter says and when it arrived, and I’ll map your options, no signup needed.
Free · no signup · confidential
If you recognise any of these, you're not alone.
Advisor ping-pong
My accountant says ask a lawyer. The lawyer says ask my accountant. Meanwhile the tax authorities are asking why our VAT return was filed late.
Owner, Tartu · local SME
Diagnosed help at the depth your situation needs.
Rescue
Rescue Diagnostics
Company Rescue, for when something has already broken: bank, VAT, registry, unfiled reports.
90-minute sessions, written plans, 30-day follow-up. Finite by design.
For owners who need a plan, not another round of consultant invoices.
Run
Advisory Plan
Monthly advisory (Basic, Plus, Intensive) for ongoing decisions across finance, tax, legal, partner relations.
Diagnose
Smart Assistant
Describe your situation in plain English. We route you to the right depth of help, or to a Free Discovery Call if you prefer human.
Start
Free Discovery Call
A free call with Sulev Pikker: describe your situation, leave with a clear next step. The right first move when you are planning something new.
Sulev Pikker.
Founding PartnerMy name is Sulev Pikker.
I have been an entrepreneur since 1991. Today I have more than 35 years of business experience as an entrepreneur, trainer, and mentor. BusinessHub.ee is my way of passing that experience on.
My journey as an entrepreneur includes, among other things:
- helping to set up more than 1,000 companies in Estonia;
- advising more than 200 entrepreneurs on starting and growing their business;
- building and leading cross-border and international companies.
Over the years I have kept asking myself questions that no textbook can answer.
Is it usually a lack of knowledge that holds an entrepreneur back… or a lack of understanding?
Have you ever wondered why two entrepreneurs can have exactly the same knowledge, yet reach completely different results?
Knowledge today is everywhere. So why does it not bring success by itself?
On my own path I have come to see that between knowledge and understanding there often lies a deep chasm. It can be crossed only by a narrow and fragile footbridge.
Are you ready to step onto that footbridge, or do you need a quick fix right now, a "miracle cure" for the state of your business?
Make your choice here
Read what we have published
Annual Report Not Filed, What to Do Before Fines and Deletion from the Register Knock on the Door?
Every Estonian company must file an annual report, even if it has had no business activity during the financial year.
ReadNegative Equity in an Estonian Company, How to Resolve It Without Investing New Capital?
If you have received a notice from the Estonian Commercial Register stating that your company's equity no longer meets the legal requirements, it does not necessarily mean the company must…
ReadYour business account was just frozen, recovery roadmap
When a business account is suddenly frozen, most entrepreneurs experience the same feeling: uncertainty. The account is blocked, payments cannot be made, and often the service provider…
ReadEstonia's tax debt spiral - how 0.06% a day adds up and how to stop it?
Estonian tax debt does not usually arise overnight. At first, there are no dramatic letters or phone calls, and it may seem that nothing will happen if you are a little late. In fact,…
ReadBefore you book: questions people ask.
ScopeDo you handle non-Estonian companies, or only Estonia-registered businesses?
Our focus is Estonian-registered entities, but most of our clients run them from elsewhere. Cross-border questions about whether the company is real, banking, and tax-residency questions are the daily bread of the practice.
FormatCan I just have one conversation, or do I need a monthly plan?
Most clients start with a Free Discovery Call or a paid diagnostic. Plans begin only when an ongoing question warrants one.
LanguagesWhat languages do you work in?
English, Estonian, and Russian. Written deliverables come in whichever language the engagement is conducted in.
ComparisonHow is this different from Xolo, 1Office, or Companio?
Those are excellent for the template path. We exist for the situations that fall outside the template, and we route you back to them when that is the right call.
Free CallWhat does a Free Discovery Call actually cover?
Fifteen minutes by video. You describe the situation in your own words; we tell you what we see and what the way forward looks like, or that you do not need us.
Next StepsWhat happens after the Discovery Call?
You will receive a short written follow-up: what we see in your situation, the options for what to do next, and what each of them would take. No pressure, no decision needed on the call itself.
Three ways into this practice.
Pick where you are in the lifecycle. Or skip the picking: describe your situation to our Smart Assistant and we'll route you.
A free call. Your situation. A clear next step.
Response within one business dayNDA upon requestVideo call · 15 min