SW Finance OÜ 2025 Annual Report Is Available

We’re pleased to share the 2025 Annual Report of our subsidiary, SW Finance OÜ, with an overview of its financial performance, lending activities and priorities for the year ahead.

During its second full year of operations, SW Finance continued to expand its loan portfolio and increase revenue. The report also outlines the steps planned to strengthen its equity position and achieve sustainable profitability.

Growth in Lending and Revenue

SW Finance OÜ provides business loans and supports our financing activities at Swaper Platform OÜ. In 2025, its loan portfolio grew by 28.8%, while revenue increased by 7.3%, primarily supported by portfolio expansion in Poland.

Here are the key figures for 2025:

  • The loan portfolio grew by 28.8% to reach 18.86 million EUR at year-end.
  • Revenue from interest income increased by 7.3% to 2.58 million EUR.
  • Total assets rose to 19.72 million EUR from 16.62 million EUR in 2024.
  • Gross profit reached 34 267 EUR and operating profit amounted to 8 168 EUR.
  • The net result for the year was a loss of 39 282 EUR, with efforts focused on improving interest margins and achieving sustainable profitability.

Revenue growth was accompanied by financing costs that accounted for a substantial share of the loan portfolio’s interest income. These included 47 450 EUR in interest on an intragroup loan. Improving interest margins remains a key focus as SW Finance works towards sustainable profitability.

Business Lending and Risk Management

At the end of 2025, SW Finance had loans outstanding to three companies. Portfolio growth was financed mainly through the sale of loan claim rights to Users via our platform.

SW Finance operates exclusively in euros and works with EU-registered companies. Its loans are unsecured, with ongoing credit monitoring and management of lending and financing maturities forming key parts of its approach to risk.

We invite you to read the full report for a closer look at SW Finance’s results and plans.

 

Open the Full 2025 Annual Report (PDF)

 

As always, feel free to contact our team at info@swaper.com if you have any questions.

Your Swaper Team