Twelve years of profitable growth
Built on a solid foundation with a track record of 12 consecutive years of profitable growth supported by a large ecosystem of partners and a strong balance sheet.
Financials
€714.6m
GMV (in millions of €)
€75.5m
Total net income (in millions of €)
€12.2m
Net profit (in millions of €)
Key financial indicators
Units in the charts are represented in millions of euros.
| 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|
| Net interest income | 36 | 40.0 | 48.1 | 53.4 | 67.5 |
| Net rental income | 0.0 | 4.5 | 6.4 | 9.6 | 11.9 |
| Total net income | 34.8 | 42.6 | 51.4 | 60.2 | 75.5 |
| Operating expenses | 17.3 | 24.0 | 30.3 | 36.9 | 46.1 |
| Operating profit | 17.5 | 18.6 | 21.0 | 23.2 | 29.4 |
| Net loan loss | 11.5 | 6.7 | 11.2 | 13.2 | 16.4 |
| Net profit | 5.9 | 11.0 | 21.1 | 10.2 | 12.2 |
| GMV | 300.9 | 523.1 | 576.9 | 687.7 | 714.6 |
| Total assets | 490.0 | 787.0 | 1 020.5 | 1 320.6 | 1 435.8 |
| Loan and rental portfolio | 389.2 | 640.5 | 815.9 | 1 030.2 | 1 146.7 |
| Deposit portfolio | 391.3 | 617.9 | 828.9 | 1 081.6 | 1 171.4 |
| Equity | 61.2 | 79.0 | 101.9 | 124.1 | 147.6 |
| Return on equity (ROE) | 11.3% | 16.3% | 23.4% | 9.3% | 9.0% |
| Return on total assets | 1.3% | 1.7% | 2.4% | 0.9% | 0.9% |
| Net interest margin | 8.1% | 6.6% | 6.1% | 5.2% | 5.4% |
| Impairment losses to loan portfolio | 3.2% | 1.4% | 1.6% | 1.5% | 1.7% |
| Cost/income ratio | 49.7% | 56.3% | 59.0% | 61.4% | 61.1% |
| Equity to total assets | 12.5% | 10.0% | 10.0% | 9.4% | 10.3% |
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