Assets

The company's long-term assets, comprising of tangible and intangible assets, appear to be well-maintained, with a slight decrease in the value of certain assets, indicating a cautious approach to investments. The short-term assets, including cash and receivables, have increased, suggesting a healthy liquidity position, which is a positive indicator for the company's ability to meet its short-term obligations. Overall, the company's total assets and investments appear to be aligned with its business strategy, with a focus on maintaining a stable balance sheet and generating returns through strategic investments.

Inventory

The realised value of Viafin Service Inventory in Q2 2026 is 3.0 million Euros, and the predicted value for Q2 2027 (e) is 3.1 million Euros. The expected change in one year is 0.1 million Euros, which represents a 3.33% increase. The inventory is expected to increase by 0.1 million Euros from 2025 to 2026, which is a 3.4% change. From 2026 to 2027, the inventory is predicted to increase by 0.4 million Euros, representing a 13.3% change. The year-end inventory values for 2025, 2026, and 2027 are 2.9, 3.0, and 3.4 million Euros, respectively.

Account Receivables

The realised value of Accounts receivable in Q2 2026 is 18.5 million Euros, while the predicted value for Q2 2027 (e) is 21.1 million Euros. The expected change in one year is an increase of 2.6 million Euros, which represents a 14.1% growth. The change in Accounts receivable from 2025 to 2026 is 0.7 million Euros, which is a 4.9% increase. The change from 2026 to 2027 is 0.3 million Euros, representing a 2.0% increase. The year-end values for Accounts receivable are 14.0 million Euros in 2025, 14.7 million Euros in 2026, and 15.0 million Euros in 2027.

The realised value for Q2 2026 is 9.0 million Euros, while the predicted value for Q2 2027 (e) is 16.1 million Euros. The expected change in one year is an increase of 7.1 million Euros, which represents a 78.9% growth. The cash value for 2025 is 11.0 million Euros, and for 2026 and 2027 it is predicted to be 14.5 million and 23.8 million Euros respectively. The change from 2025 to 2026 is 3.5 million Euros, or 31.8%, and from 2026 to 2027 is 9.3 million Euros, or 63.8%.

Shareholders Equity

The company's Shareholders Equity is a reflection of its financial stability and ability to absorb potential losses. The relatively stable trend in Shareholders Equity over the past year suggests that the company has been able to manage its capital structure effectively, despite the challenges posed by the market environment. However, the company's reliance on debt financing, as evident from the high level of long-term liabilities, may pose a risk to its financial flexibility and ability to invest in growth opportunities.

The current value of Viafin Service Equity is 25.6 million Euros at the end of Q2 2026. The predicted value for Q2 2027 (e) is 31.7 million Euros, indicating an expected increase of 6.1 million Euros and a percentage change of 23.8% from Q2 2026 to Q2 2027 (e). The equity value is expected to increase from 26.0 million Euros in 2025 to 28.9 million Euros in 2026, which represents a change of 2.9 million Euros or 11.2% increase. From 2026 to 2027, the equity value is predicted to rise to 36.6 million Euros, a change of 7.7 million Euros or 26.6% increase. The year-end equity values for the respective years are 26.0 million Euros, 28.9 million Euros, and 36.6 million Euros.

*Future dividents are not included in prediction

Debt

The company's long-term debt has remained relatively stable, with a slight decrease in the current period, indicating a cautious approach to capital structure management. However, the short-term debt has increased, which may pose a risk to the company's liquidity and ability to meet its short-term obligations. The gearing ratio, which measures the proportion of debt to equity, is likely to be a concern, as it may indicate a high reliance on debt financing, potentially limiting the company's flexibility and increasing its vulnerability to interest rate fluctuations.

Account Payables

The realised value of Accounts payables in Q2 2026 is 22.7 million Euros, while the predicted value for Q2 2027 (e) is 20.7 million Euros. The expected change in one year is a decrease of 2 million Euros, which translates to a percentage decrease of approximately 8.8%. The Accounts payables for Viafin Service are expected to decrease by 0.5 million Euros from 2025 to 2026, which is a 2.7% change. From 2026 to 2027, the Accounts payables are expected to decrease by 2.1 million Euros, which is a 11.6% change. The year-end values for Accounts payables are 18.8 million Euros in 2025, 18.3 million Euros in 2026, and 16.2 million Euros in 2027.