At VIAINVEST, we’re dedicated to keeping our investors well-informed by sharing insights from our loan originators. This Q2 2025 overview presents the performance of loan originators, featuring the latest numbers.
Latvia
From a sales perspective, Q2 has been outstanding for VIA SMS LV, our loan originator from Latvia. Notably, two consecutive all-time record-breaking sales months have been achieved, with EUR 6.3 million issued in April and EUR 6.5 million in May, resulting in our best sales quarter to date. A total of EUR 18,689,129 was issued, marking a 29.61% increase compared to Q1 2025, all while maintaining stable portfolio quality.
On the project side, the primary focus remains on the continued development of the new Customer Relationship Management system.
| Metric | Q1 2025 | Q2 2025 |
| Net portfolio | 37 459 913 EUR | 43 018 484 EUR |
| NPL 90+ days | 60 059 EUR | 62 129 EUR |
| Loan volume | 13 154 485 EUR | 18 689 129 EUR |
Czech Republic
In Q2 2025, the Czech loan originator experienced strong growth with a 43.43% increase in loan volume to EUR 1.22 million. The net portfolio grew by 3.24%, and the NPL 90+ days decreased by 9.98%, indicating an improvement in portfolio quality. The focus remains on stabilising and expanding the portfolio.
Regarding the project, the second quarter has been dedicated to preparing for the implementation of a new Customer Relationship Management system and a product launch.
| Metric | Q1 2025 | Q2 2025 |
| Net portfolio | 2 250 882 EUR | 2 323 917 EUR |
| NPL 90+ days | 816 019 EUR | 734 516 EUR |
| Loan volume | 853 146 EUR | 1 223 667 EUR |
Sweden
For VIACONTO in Q2 2025, the net portfolio increased by 2.61% to EUR 14.28 million, demonstrating steady growth performance. However, loan volume declined slightly during the usually slower summer season, amounting to EUR 6.01 million. The overall portfolio increased, and efforts are being reinforced to strengthen credit risk controls and improve collection efficiency.
| Metric | Q1 2025 | Q2 2025 |
| Net portfolio | 13 920 811 EUR | 14 283 829 EUR |
| NPL 90+ days | 447 368 EUR | 851 651 EUR |
| Loan volume | 6 497 263 EUR | 6 012 909 EUR |
Romania
In Romania, loan originators’ performance for Q2 2025 reflected an 18% decrease in the net portfolio, totalling EUR 791,779 thousand, showing a slight decline in new loan issuance that is an expected seasonal trend. However, the NPL 90+ days portfolio declined by 7,23%, which is a positive achievement. Ongoing efforts continue to focus on strengthening the credit risk strategy and enhancing the issuance of new loans.
| Metric | Q1 2025 | Q2 2025 |
| Net portfolio | 975 986 EUR | 791 779 EUR |
| NPL 90+ days | 475 839 EUR | 441 459 EUR |
| Loan volume | 615 168 EUR | 434 352 EUR |
Disclaimer
1) This is marketing communication, not investment advice or investment research. Investments involve certain risks and costs. Legal information about SIA “Viainvest” and its services is available here: https://viainvest.com/en/company/legal/ . 2) This is a periodic fact sheet provided for informational purposes. Data sourced from our own internal records. Past performance is not a reliable indicator of future results.