At Income, 2024 was a transformative year—one that brought us closer to our mission of fuelling financial inclusion and enabling global wealth creation.
Our platform connects investors with fintech-originated loans across the world. This unique approach allows retail and institutional investors to tap into an established, inflation-protected asset class—while also supporting financial ecosystems in underserved markets. It’s a win-win model that continues to prove its impact.
Growing the Platform, Expanding the Vision
Throughout the year, we made strategic changes to how we operate—restructuring our sales processes, expanding our fintech partnerships, and ultimately strengthening the foundations of our business.
By the end of 2024, we had grown to 4,613 active investors with €19.1 million in outstanding investments. We also celebrated three successful exits by fintech partners, with investors receiving full repayment—reinforcing the strength and reliability of our ecosystem. Perhaps most significantly, we welcomed our first institutional investor, a move that broadens the scope for future partnerships and growth.
Financial Results: Scaling With Purpose
In terms of financial performance, Income’s revenue from service fees reached €509,000—an increase of 17.5% year-over-year. Our net loss for the year was €613,000, largely due to customer acquisition investments and depreciation. EBITDA landed at -€499,000. These results reflect our scale-up phase, as we continue to prioritize growth while moving toward profitability.
As of the first quarter of 2025, we’re already seeing this momentum carry forward. Our monthly recurring revenue (MRR) has reached €55,000, with 4,835 active investors and €19.7 million in assets invested on the platform.
What’s Next?
Looking ahead, our focus is clear: we aim to onboard new fintech partners, grow our volume of investable loans, and strengthen our revenue base. A new funding round is planned for 2025 to support our path to operational profitability.
We’re incredibly grateful to all our investors and partners who continue to believe in our mission. Together, we’re not only building a sustainable investment platform—we’re helping to close credit gaps and create lasting financial opportunity around the world.
Stay tuned—2025 is shaping up to be our most impactful year yet.
