Read The Times Australia

Daily Bulletin

ISX Financial EU Plc Reports Profitable Growth and Strong Capital Position in H1 2025

  • Written by: PR Newswire Asia - Daily Bulletin Au RSS
ISX Financial EU Plc Reports Profitable Growth and Strong Capital Position in H1 2025

NICOSIA, Cyprus, Oct. 3, 2025 /PRNewswire/ -- ISX Financial EU Plc (ISXX), a leading provider of regulated transactional banking and real-time payment solutions, today announced its unaudited H1 2025 financial results for the six months ended 30 June 2025. ISXX delivered profitable growth, improved capital strength, and continued commercial momentum across its core offerings.

Financial Highlights – H1 2025 (vs. H1 2024):

  • Profit after tax increased 6% to €12.3 million
  • Revenue rose 5% to €27.7 million, supported by open banking services and customer growth
  • Operating expenses increased by just 3% to €15.6 million, reflecting investment in people and technology
  • Net assets grew 29% to €54.1 million; Own funds rose to €44.7 million
  • Working capital strengthened to €39.4 million; liabilities declined by 8% to €181.4 million

"The first half of 2025 demonstrated the strength and scalability of our business model. Despite a dynamic market environment, we grew profitably while investing in our platform and people," said Ajay Treon, Chief Financial Officer, ISXX.

"Our strategic focus on lower-cost, instant interbank payments continues to resonate with customers, and our financial discipline ensures we are well-positioned for long-term growth. We enter the second half of the year with strong momentum, robust liquidity, and a clear strategy for continued innovation and operational scale."

ISXX's revenue growth was driven by expanding demand from new and existing customers, particularly in open banking payment solutions. ISXX continues to shift away from traditional card acquiring toward more efficient, real-time account-to-account (A2A) payments via its proprietary PaidBy® product.

The modest increase in operating expenses was primarily due to investment in headcount and IT infrastructure. ISXX also recognised a €0.9 million fair value gain on its NSX investment, while maintaining lower impairment levels.

ISXX's balance sheet remains strong. ISXX reported higher cash and investment balances and reduced customer fund liabilities. These improvements contributed to a stronger capital base and enhanced operational flexibility.

ISXX continues to invest in core technology and compliance infrastructure to support scalable growth across Europe and global markets. In H2 2025, ISXX plans to expand its central bank connectivity, enhance its instant payment capabilities, and further strengthen its regulatory posture ahead of PSD3, FIDA, and DORA frameworks.

Nikogiannis Karantzis, ISXX Chief Executive Officer, said: "We are also pleased to announce that our prospectus was lodged today with the Cyprus SEC ('CySEC') for admission to the Cyprus Stock Exchange.

"As ISXX has submitted a prospectus for admission to list, it is now bound by the listing regulations. ISXX will no longer be publishing quarterly reports as it is now subject to timely disclosures, semi-annual financial report and annual report requirements."

View ISXX H1 2025 – Interim Six Month Results below: https://www.isx.financial/hubfs/ISX%20Announcements/2025/Interim%20Report%20H1%202025.pdf

Website: www.isx.financial

About ISX Financial EU Plc 

Headquartered in Nicosia, ISX Financial EU Plc (ISXX, LEI: 213800NGHVYL5PFZI692) is a leading banktech company EEA authorised as an Electronic Money Institution by the Central Bank of Cyprus and regulated in the UK by the Financial Conduct Authority. The company develops and operates a proprietary payments ecosystem, offering multi-currency accounts, open banking solutions, FX, remittance, and payment processing. ISXX combines financial strength, regulatory resilience, and innovation to deliver value to businesses and communities across Europe and beyond.

Nikogiannis (Nickolas John) Karantzis has more than 30 years broad industry experience, 20 years of which are in secure digital enterprises, including telecommunications, IPTV, payments and electronic money. Mr Karantzis holds degrees in Engineering, Law and Business Enterprise, and is a registered Trans Tasman IP Attorney, a Fellow of Engineers Australia and a multi-state registered disputes Adjudicator.

Logo: https://mma.prnasia.com/media2/2700025/5492305/ISX_Financial_Logo.jpg?p=medium600

Contact: +35722015740, media@isxfinancial.com

Authors: PR Newswire Asia - Daily Bulletin Au RSS

Read more https://www.prnasia.com/story/archive/4789955_EN89955_0

Business News

The Rise of Digital Marketplaces in the Australian Trade Sector

For decades, the Australian trade and construction sector operated almost entirely on word-of-mouth recommendations and local community networks. Small business owners typically relied on local newspa...

Daily Bulletin - avatar Daily Bulletin

How Immigration Lawyers Can Help

Introduction Visa decisions can shape employment, family life, study plans, travel, and future residence. A small omission can lead to delay, added expense, or refusal. Immigration lawyers assess l...

Daily Bulletin - avatar Daily Bulletin

How Industrial Drying Equipment Supports Efficient Processing

Many industrial processes require moisture to be removed from compressed air, products or process materials before they move to the next stage. Excess moisture can affect equipment performance, produc...

Daily Bulletin - avatar Daily Bulletin

Practical Ways a Whiteboard Can Improve Workplace Communication

Effective communication helps teams stay organised, share ideas and keep track of important information. While digital tools are now common in many workplaces, a whiteboard continues to provide a simp...

Daily Bulletin - avatar Daily Bulletin

Designing Eco-Friendly Custom Water Bottles for Your Next Event

The Evolution of Sustainable Event Merchandise Event planning has undergone a massive transformation over the last decade. Gone are the days when organizers could hand out cheap, single use plastic...

Daily Bulletin - avatar Daily Bulletin

Why Choosing a Professional Florist Melbourne Makes Flower Delivery Impactful

Flowers have a great power to speak when humans cannot express their feelings with right words. Flowers are the best gifts when you are celebrating a birthday or welcoming a newborn child into your fa...

Daily Bulletin - avatar Daily Bulletin

The Business Case for Choosing Australian Fabricators Over Imported Alternatives

For a long time, you might have defaulted to overseas suppliers when sourcing fabricated metal components for a project. The unit price was lower on paper, and the maths seemed straightforward. That...

Daily Bulletin - avatar Daily Bulletin

Australian organisations are relying on business continuity plans built for a far more predictable world

Tariff escalations, supply chain fragility, geopolitical events, and the ongoing threat of cyber disruption have reshaped the risk environment facing Australian organisations. The problem is that ma...

Daily Bulletin - avatar Daily Bulletin

How to Rent a Car for Uber in Melbourne: What Every New Driver Needs to Know

Starting out as an Uber driver in Melbourne is not as complicated as it sounds but getting the vehicle right is where most new drivers get stuck. Uber has strict requirements around vehicle age, condi...

Daily Bulletin - avatar Daily Bulletin

The Daily Magazine

How Long Does a Solar Home Battery Last? LFP Cycles and Warranty Explained

A battery does not usually reach its advertised cycle count and suddenly stop working. Capacity ch...

How to Hire a Nanny: A Complete Guide for Families

Finding the right childcare professional can make everyday family life easier and give parents gre...

The Blue-Collar Shortage Employers Can't Solve With More Applicants

Australia's hiring market has cooled considerably since the post-pandemic frenzy of 2021 and 2022. F...

The Playground as Classroom: How Line Markings Are Reinforcing What Students Learn Inside

For a long time, the playground was treated as a break from learning rather than part of it. A place...

How Technology Is Changing the Way Gardens Are Maintained

Garden maintenance has always been a hands on ritual. Mowing on a schedule, watering by instinct, an...

One Blocked Drain Can Become a Whole House Plumbing Problem: How It Happens

A blocked hand basin feels local. So does a slow shower. Homeowners naturally focus on the fixture...

AI in Marketing: From Experiment to Everyday Tool

For the past couple of years, artificial intelligence in marketing has mostly lived in the "let's se...

What Businesses Can Do to Make Sustainability More Practical Day to Day

Sustainability can sound like a huge corporate project, something tied to annual reports, long-term ...

The Hidden Logistics Behind a Smooth-Running Construction Site

A construction site can look chaotic from the outside. There are machines moving in different direct...