Mint Credit: Audited financial report for 2025

Key highlights based on the audited individual financial statements of MINT SN DOO for 2025.

This analysis is based on the audited individual financial statements of MINT SN DOO for 2025. The key highlights are:

• In 2025, Mint Credit continues to expand its activities in the non-bank consumer lending segment. Total assets reached €21.5M, compared to €17.8M at the end of 2024, which represents a growth of 20.6%. The main contribution to their increase was the increase in receivables on loans granted, which remain the main driver of the company’s growth.
• Loan receivables increased to €19.5M, up from €15.6M a year earlier (+24.5%), confirming the continued expansion of lending activity. Cash and cash equivalents also increased to €55.9k, up from €40.6k at the end of 2024 (+37.6%), contributing to maintaining the company’s liquidity position.
• Financial income continues to grow due to the increased volume of loans granted and reaches €6.5М, compared to €5.3М in 2024 (+22.4%), while operating income increases to €0.3M from €0.1M a year earlier. The growth in financial income is in line with the increased volume of loans granted in the reporting year.
• The company’s expenses also increased due to the expansion of its activities. Operating expenses amounted to €4.1M (+15.1%), while financial expenses reached €1.4M (+61.4%), mainly due to higher interest costs on the attracted financing used to support the growing volume of lending activities.
• Despite the increase in expenses, the company improved its financial result. Profit before taxes reached €1.3M, which represents an increase of 31.6% compared to 2024, and net profit amounted to €1.1M, compared to €0.8M a year earlier (+33.9%).
• Equity increased to €4.7M, compared to €3.7M at the end of 2024 (+26.7%), mainly due to the profit realized for the period. Total liabilities reached €16.8M, compared to €14.1M a year earlier (+19.0%), the increase reflecting the need for additional financing in connection with the expansion of lending activities.

See the full audited report of Mint Credit HERE.

Note: All amounts are converted from Macedonian denars (MKD) to euros (EUR) at the official reference exchange rate of the European Central Bank as of 31.12.2025 — 1 EUR = 61.5447 MKD.