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
€687.7m
GMV (in millions of €)
€60.2m
Total net income (in millions of €)
€10.2m
Net profit (in millions of €)
Key financial indicators
Units in the charts are represented in millions of euros.
| 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|
| Net interest income | 31.7 | 36 | 40.0 | 48.1 | 53.4 |
| Net rental and other income | 0.3 | −1.1 | 2.6 | 3.3 | 6.8 |
| Total net income | 32.0 | 34.8 | 42.6 | 51.4 | 60.2 |
| Operating expenses | 16.0 | 17.3 | 24.0 | 30.3 | 36.9 |
| Operating profit | 16.0 | 17.5 | 18.6 | 21.0 | 23.2 |
| Impairment losses on loans | 6.0 | 11.5 | 6.7 | 11.2 | 13.2 |
| Net profit | 10.0 | 5.9 | 11.0 | 21.1 | 10.2 |
| GMV | 284.6 | 300.9 | 523.1 | 576.9 | 687.7 |
| Total assets | 462.8 | 490.0 | 787.0 | 1 020.5 | 1 320.6 |
| Loan and rental portfolio | 324.2 | 389.2 | 640.5 | 815.9 | 1 030.2 |
| Deposit portfolio | 377.5 | 391.3 | 617.9 | 828.9 | 1 081.6 |
| Owner's equity | 47.3 | 61.2 | 79.0 | 101.9 | 124.1 |
| Return on equity (ROE) | 23.9% | 10.8% | 15.6% | 23.3% | 9.0% |
| Return on total assets | 2.6% | 1.2% | 1.7% | 2.3% | 0.9% |
| Net interest margin | 8.5% | 8.0% | 6.6% | 5.9% | 5.1% |
| Impairment losses to loan portfolio | 2.1% | 3.1% | 1.3% | 1.6% | 1.6% |
| Cost/income ratio | 49.9% | 49.7% | 56.3% | 59.0% | 61.4% |
| Equity to total assets | 10.2% | 12.5% | 10.0% | 10.0% | 9.4% |
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