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Xryma Plc 2025 Annual Report Overview

On April 30, 2026, Xryma Plc, previously known as ISX Financial EU Plc, announced its Annual Report for 2025, illustrating impressive financial outcomes and strategic developments in the company. Established as a notable player in regulated transactional banking, Xryma has excelled in delivering real-time payment solutions and banking SaaS, underscoring its commitment to enhancing the banking experience.

Financial Highlights of 2025

The year 2025 marked a pivotal point for Xryma. It achieved its seventh consecutive year of profitability, demonstrating a robust business model that continues to adapt and thrive in a dynamic financial landscape. Here are the key financial metrics from the report:

• - Profit after tax: €17.3 million
• - Total Revenue: €53.4 million (including €5.0 million from other income)
• - Own Funds: €49.0 million
• - Total Assets: €188.9 million
• - Total Equity / Net Assets: €59.2 million

Christakis Taoushanis, the Non-Executive Chairman, expressed satisfaction over Xryma's performance, stating that the report exemplifies the Group's ability to navigate complex financial situations through disciplined execution and strong governance. He emphasized continued adherence to regulatory compliance and operational resilience as key to Xryma's ongoing success.

Growth and Investment Initiatives

John Karantzis, Group CEO, noted that 2025 was not only about maintaining profitability but also about fortifying Xryma's infrastructure. The company aimed to increase its customer-centric solutions and ensure strong commercial momentum. A significant strategic move included gaining access to the European Central Bank's T2 Real-Time Gross Settlement and TARGET Instant Payment Settlement systems, positioning Xryma as one of the pioneering non-bank entities to achieve this.

This advancement bolstered Xryma's existing payment capabilities, which further solidified the company's status in the competitive A2A payments sector. Its flagship platform, PaidBy®, exemplifies a seamless alternative to traditional card-based transactions by leveraging instant payments and central bank connectivity.

Throughout 2025, Xryma allocated around €3 million toward R&D to elevate its intellectual property and enhance proprietary systems, notably flykk®, ISXMoney®, ISXPay®, and Paydentity®. Moreover, the company made strategic investments including an increase in equity in BeEmotion AI SA.

Future Outlook

As Xryma prepares for the upcoming year, Karantzis emphasizes a clear focus on scaling and investing in future capabilities. With the recent infrastructure enhancements, the company aims to introduce new products that can further facilitate growth. Xryma has also emphasized a commitment to corporate social responsibility through initiatives such as We Care and Dream Big, which give back to communities and support local sports.

In conclusion, Xryma Plc continues to set a standard in the banktech sector through a balance of innovation, client-focused strategies, and a strong commitment to social responsibility. The outlook for 2026 appears bright with the potential for further profitability driven by upcoming product launches and continued investment in infrastructure and technology.

For detailed insights from Xryma's 2025 Annual Report, visit their official website and stay updated with their latest endeavors as they lead the charge in the modern banking sector.