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Xryma Plc 2025 Annual Report Review

On April 30, 2026, Xryma Plc officially released its 2025 Annual Report, showcasing the company's achievements over the past year. The report outlines significant financial metrics, operational strategies, and future aspirations of the firm, which formerly operated as ISX Financial EU Plc. As a prominent player in regulated transactional banking and real-time payment solutions, Xryma Plc continued to reinforce its leading position in the banktech and payments sector.

Key Financial Highlights of 2025

The year 2025 turned out to be another successful year for Xryma Plc, marking its seventh consecutive year of profitability. Here are some essential financial highlights:

• - Profit After Tax: €17.3 million
• - Total Revenue: €53.4 million, which includes €5 million from other income sources
• - Own Funds: €49 million
• - Total Assets: €188.9 million
• - Total Equity / Net Assets: €59.2 million

These figures reflect not only the resilience of Xryma’s business model but also its effective strategic execution that has strengthened its foothold in the financial services sector.

Progress and Achievements

Christakis Taoushanis, the Non-Executive Chairman, emphasized the importance of governance and risk management in ensuring the company's sustained success. He stated, "The strength of the Group's business model and the caliber of its people have contributed significantly to our performance this year."

John Karantzis, the Group CEO and Managing Director, acknowledged the hard work of their teams, stating that 2025 was characterized by infrastructure expansion and strategic execution. Their intent to focus on customer-centric solutions was evident through initiatives aimed at enhancing client trust and facilitating better user experiences across their platforms.

Infrastructure Expansion

A notable highlight in 2025 was Xryma’s advancement in payment infrastructure. The company successfully became one of the first non-bank institutions with access to the European Central Bank's T2 Real-Time Gross Settlement (RTGS) and TARGET Instant Payment Settlement (TIPS) platforms. This strategic move significantly enhanced Xryma's existing UK Faster Payments and EEA SEPA instant payments capabilities, allowing for safer and quicker currency transactions.

In addition, Xryma maintained its market leadership in Account-to-Account (A2A) payments using their flagship Open Banking platform, PaidBy®. This innovative platform offers faster settlements and robust security, marking a significant shift away from traditional card-based payment systems. Through patented technology and proprietary systems, PaidBy® made significant strides in supporting transactions across diverse financial markets.

Investment in Innovation

The company also committed around €3 million to research and development, focusing on enhancing its intellectual property portfolio and proprietary systems, including flykk®, ISXMoney®, ISXPay®, and Paydentity®. This commitment to innovation is vital as it positions Xryma strategically for future growth in an ever-evolving digital banking landscape.

Corporate Responsibility and Community Engagement

Beyond financial metrics, Xryma continued its commitment to corporate social responsibility. The We Care initiative aims to support environmental and social programs, while the Dream Big initiative focuses on backing elite athletes and sports organizations. This commitment reflects the firm’s belief that long-term success is intertwined with community welfare.

Looking Ahead to 2026

As Xryma Plc prepares for the following year, their focus remains on scaling operations and investing in next-generation capabilities. Karantzis points out that amidst potential market fluctuations and geopolitical challenges, the company's roadmap for 2026 includes regulatory permissions and broader currency interoperability, alongside the launch of new financial products.

Overall, 2025 proved to be another commendable year for Xryma Plc. With steadfast dedication to its customers, a commitment to innovation, and a strong focus on governance, Xryma appears well-poised for future successes.

For further insights into the report, visit the Xryma Website.