Posted by Income Marketplace has published Autofino’s audited annual figures for 2025. According to the report, revenue increased by 16% to €1.6 million, while net profit rose from €51,000 to €55,000. Nevertheless, my lender assessment score for Autofino has fallen from 67 to 62 points.
The main reason is capitalization. Although total assets increased by 24%, profit remained almost unchanged. As a result, the equity ratio declined to 13.8%, moving Autofino back into Tier 2.
Autofino has been active on the Estonian marketplace since October 2025 and has financed more than €1.3 million in loans during this period, paying interest of up to 12%. This amount is therefore almost twice the company’s reported equity. While the company has remained profitable throughout, the lender’s buyback obligation rests on a relatively thin capital base.