Posted by The Polish company Fincard is currently facing the next wave of regulatory changes. While the final implementation of the new European CCD II framework remains uncertain, the company’s financial stability appear stronger than ever before. According to the IFRS-based audit by BDO, Fincard generated a net profit of EUR 10.35 million in 2025. This marks the third consecutive year of profitable operations with increasing earnings.
At the same time, nearly all key balance-sheet metrics improved slightly, including the equity ratio (42.5%), the debt ratio (1.35), the liquidity ratio (1.74), and the loan impairments (9%). The only metric that deteriorated marginally was return on assets, which declined from 5.3% to 4.7%. While this is far from alarming, it resulted in a slight reduction of the overall score from 83 to 81 points.