The article below regarding ISX Financial’s continuous growth first appeared in German, on the Small-Micro Cap Investments website, on the 15th of August 2025. It is republished here with permission. You can read it here.
ISX Financial EU Plc (ISXX), a Europe-wide banktech company focused on digital financial services, once again demonstrated its profitability and growth potential in the second quarter of 2025. This is evidenced by the unaudited Q2 figures published at the end of July.
Innovative Banking Technology Meets Operational Efficiency
ISX Financial EU Plc (ISXX) develops and operates its own technological infrastructure for payment processing, FX transfers, eMoney accounts, open banking, and a digital wallet called flykk®. Its subsidiary Probanx® also provides banking software and technological integration services to financial institutions worldwide.
Despite a seasonal revenue decline compared to the previous quarter, ISXX increased its unaudited Q2 2025 net profit to €6.3 million—up 2% from Q1 and 20% year-over-year. Revenue came in at €13.7 million, down 14% quarter-on-quarter but 5% higher than in Q2 2024. The company also achieved a strong EBITDA margin of 57%, underscoring its sustainable operational efficiency.
Cost Management and Clear Growth Strategy
A key success factor was rigorous cost management: operating expenses were reduced by 23%, mainly through streamlined business processes. At the same time, ISX Financial EU Plc made targeted investments in its future—spending €1 million on research and development, a 25% increase over the previous quarter, thereby reinforcing its capacity for innovation. The company also expanded its workforce, bringing the total number of employees to 184.
ISXX remains in a solid financial position. Shareholders’ equity rose by 13% to €44.7 million, net assets increased by 13% to €54.2 million, and the book value per share nearly doubled year-over-year, climbing 95% to €0.492.
Although regulatory conditions have shifted—such as the introduction of the EU regulation on instant payments—ISXX was able to turn these changes to its advantage. New compliance requirements for payment service providers have led, among other effects, to increased transaction volumes due to daily liquidity movements.
Management remains optimistic about the future: with a continued focus on technological advancement, regulatory adaptation, and international expansion, ISXX sees itself well-positioned to maintain profitable growth in the second half of the year.
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