Creditstar Group AS has published its audited consolidated annual results for 2025, reporting record financial performance as the group expanded its loan book, strengthened liquidity and continued to diversify its funding base. Profit for the year rose 85.9% to €13.5m, compared with €7.2m in 2024. Interest income increased 49.8% to €110.9m, while the group’s loan portfolio after provisions grew to €482.2m, up from €351.2m a year earlier. Total assets reached €545.2m at year-end, compared with €367.0m in 2024. Equity increased to €85.1m, while cash and cash equivalents stood at €46.8m.
The results reflect Creditstar group’s model of matching diversified investor funding with consumer lending across multiple European markets. The group lends to consumers through the Creditstar brand in eight markets. Monefit is the group’s second consumer finance brand, which includes Monefit Credit Line and Monefit SmartSaver, a digital investment platform for retail and corporate investors. Alongside bonds, institutional facilities and other P2P financing, investor funds raised through SmartSaver help finance the group’s consumer lending portfolio.
Aaro Sosaar, CEO of Creditstar Group, said: “2025 was a year of disciplined scale for Creditstar. We passed €100m in interest income for the first time, grew the loan portfolio materially and ended the year with a stronger liquidity position and broader funding base.
“Our focus remains straightforward: grow lending where the unit economics are attractive, maintain underwriting discipline, and continue building a funding structure that supports long-term resilience. The results show the benefits of that approach.”
Under the Creditstar and Monefit brands, the group provides fixed-term instalment loans and flexible revolving credit in Estonia, Finland, Sweden, Poland, Czechia, Denmark, Spain and the United Kingdom. During 2025, the group expanded loan amounts and tenors in Finland, Poland and Estonia, focusing on higher-income customer segments and larger, longer-term lending.
Funding was a central execution priority in 2025. Creditstar raised €53 million through two bond issuances, including a record €46 million transaction in Q2 and a further €7 million in Q4. The group also expanded its institutional credit facility by US$10 million to US$20 million, further diversifying its funding base.
Monefit SmartSaver also continued to grow as part of the group’s funding model. Available across 30 EEA countries and Switzerland, the platform’s investor base increased by 64% year-on-year, supported by product improvements including Instant Withdrawals of up to €1,000 per month. Cumulative returns earned by investors reached €17.8m by 31 December 2025, up €13.1m from a year earlier.
Valter Kaleta, member of the supervisory board at Creditstar Group, said: “The funding base changed materially in 2025. We raised €53m through the bond programme, doubled our credit facility to US$20m and saw SmartSaver’s investor base grow by 64%.
“That combination gives the group more flexibility and reduces reliance on any single source of capital. It is also reflected in the interest expense-to-interest income ratio, which improved to 45.8% from 50.3% in 2024.
“The priority now is to build more durable funding as the business scales. That means balancing growth, cost of capital and portfolio quality, rather than simply increasing funding volumes.”
Post-period end, in January 2026, Creditstar UK Ltd received approval from the Financial Conduct Authority to operate as a mainstream consumer credit lender, supporting the group’s expansion in one of Europe’s largest consumer finance markets.
The group’s 2026 priorities include disciplined portfolio scaling, product diversification, a broader funding base, stable portfolio quality and improved operating efficiency. The group is also advancing new credit card under the Monefit brand, with launch anticipated later this year.
The full report can be found HERE.
