{"id":3186,"date":"2026-10-02T13:09:37","date_gmt":"2026-10-02T10:09:37","guid":{"rendered":"https:\/\/swaper.com\/blog\/?p=3186"},"modified":"2026-10-02T13:09:37","modified_gmt":"2026-10-02T10:09:37","slug":"sw-finance-2025-annual-report","status":"publish","type":"post","link":"https:\/\/swaper.com\/blog\/en\/sw-finance-2025-annual-report\/","title":{"rendered":"SW Finance O\u00dc 2025 Annual Report Is Available"},"content":{"rendered":"<p data-pm-slice=\"1 1 []\">We\u2019re pleased to share the 2025 Annual Report of our subsidiary, SW Finance O\u00dc, with an overview of its financial performance, lending activities and priorities for the year ahead.<\/p>\n<p>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.<\/p>\n<h4 data-pm-slice=\"1 1 []\">Growth in Lending and Revenue<\/h4>\n<p data-pm-slice=\"1 1 []\">SW Finance O\u00dc provides business loans and supports our financing activities at Swaper Platform O\u00dc. In 2025, its loan portfolio grew by <strong>28.8%<\/strong>, while revenue increased by <strong>7.3%<\/strong>, primarily supported by portfolio expansion in Poland.<\/p>\n<p>Here are the key figures for 2025:<\/p>\n<ul data-spread=\"false\" data-pm-slice=\"3 3 []\">\n<li><strong>The loan portfolio grew by 28.8% to reach 18.86 million EUR at year-end.<\/strong><\/li>\n<li><strong>Revenue from interest income increased by 7.3% to 2.58 million EUR.<\/strong><\/li>\n<li><strong>Total assets rose to 19.72 million EUR<\/strong> from 16.62 million EUR in 2024.<\/li>\n<li><strong>Gross profit reached 34 267 EUR<\/strong> and operating profit amounted to <strong>8 168 EUR<\/strong>.<\/li>\n<li><strong>The net result for the year was a loss of 39 282 EUR<\/strong>, with efforts focused on improving interest margins and achieving sustainable profitability.<\/li>\n<\/ul>\n<p data-pm-slice=\"1 1 []\">Revenue growth was accompanied by financing costs that accounted for a substantial share of the loan portfolio\u2019s 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.<\/p>\n<h4 data-pm-slice=\"1 1 []\">Business Lending and Risk Management<\/h4>\n<p data-pm-slice=\"1 1 []\">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.<\/p>\n<p>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.<\/p>\n<p>We invite you to read the full report for a closer look at SW Finance\u2019s results and plans.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><a class=\"ct-button\" href=\"https:\/\/swaper.com\/assets\/reports\/SWFinance-2025-annual-report.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" data-size=\"small\">Open the Full 2025 Annual Report (PDF)<\/a><\/p>\n<p>&nbsp;<\/p>\n<p data-pm-slice=\"1 1 []\">As always, feel free to contact our team at <a href=\"mailto:info@swaper.com\">info@swaper.com<\/a> if you have any questions.<\/p>\n<p><strong>Your Swaper Team<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We\u2019re pleased to share the 2025 Annual Report of our subsidiary, SW Finance O\u00dc, 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3188,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"no","ngg_post_thumbnail":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3186","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-announcements"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SW Finance 2025 Annual Report: Key Results | Swaper Blog<\/title>\n<meta name=\"description\" content=\"Explore the SW Finance 2025 Annual Report: loan portfolio growth of 28.8%, financial results and plans for sustainable profitability.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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