Easy Credit: Audited Financial Statement 2025

This analysis is based on the audited individual financial statements of Easy Asset Management AD for 2025. The main highlights are:

• In 2025, Easy Credit continues to expand its operations, with total assets reaching EUR 192.0 million, which is EUR 16.4 million or 9.3% more than the previous year. The main contribution to this growth is the loan portfolio, whose net receivables increase to EUR 162.2 million, compared to EUR 144.8 million at the end of 2024 (+12.0%). In parallel with the development of its core business, the company is also expanding its international presence, finalizing the acquisition of full control over its company in Croatia during the year.
• The increase in the loan portfolio is also accompanied by higher revenues from the main activity. Net income from interest, fees and penalties reaches EUR 24.8 million, compared to EUR 20.2 million a year earlier (+22.6%). Commission income also increases to EUR 40.1 million, compared to EUR 36.7 million in 2024 (+9.3%). The growth in revenues is in line with the expansion of the loan portfolio during the year.
• Net profit for 2025 amounted to EUR 0.7 million, compared to EUR 5.9 million in the previous year. The lower financial result is mainly due to the increase in impairment charges on financial assets to EUR 3.9 million, compared to EUR 0.9 million a year earlier, as well as higher costs for attracted financing and lower dividend income. At the same time, the company continues to report growth in both the loan portfolio and income from its core business.
• The capital position remains stable, with equity at the end of 2025 amounting to EUR 96.6 million, compared to EUR 97.5 million a year earlier. It continues to finance just over half of the company’s assets and provides a stable foundation for business development.
• The expansion of the activity is also supported by an increase in the attracted resources. The loans received reach 61.1 million euros, compared to 52.9 million euros at the end of 2024 (+15.6%). Total liabilities increase to 95.5 million euros, and their share in the balance sheet reaches 49.7%. Despite the higher external financing, the company maintains a balanced capital structure, with its own funds continuing to finance slightly more than half of the assets.
• Overall, the results for 2025 reflect the consistent development of Easy Credit. The company continues to expand its operations, which is reflected in the growth of the loan portfolio, assets and revenues from the main activity. During the year, the company also takes another important step in its international development by acquiring full control over its company in Croatia. Although the financial result was affected by higher depreciation and financing costs and lower dividend income, the company maintains a stable capital position and financial sustainability.

Read the full audited financial statement of Easy Credit HERE.

Note: The financial indicators in this analysis are presented in euros and have been recalculated from the official data in the audited individual financial statements of Easy Asset Management AD for 2025 at the fixed exchange rate of 1 EUR = 1.95583 BGN. The official financial statements are prepared in Bulgarian leva.