RoFintech members reach €285 million in aggregate business in 2025, new report shows
RoFintech, the Romanian Fintech Association, has released its latest industry report, Romanian Fintech Industry — 2025, Record Year, prepared by KeysFin. The report examines the financial performance of 42 RoFintech member companies included in the study, which together generated €285.1 million in business volume in 2025, recorded an aggregate net result of €11.4 million, and employed an average of 1,113 people.
The report provides an expanded view of the ecosystem represented by RoFintech, covering company size, business performance, employment and profitability.
The aggregate business value of the companies included in the 2025 study was 245% higher than the figure reported for 2024. The comparison should, however, be viewed in the context of a significantly larger sample: the number of companies analyzed increased from 29 in 2024 to 42 in 2025, with 14 companies added and one removed. The year-on-year increase therefore does not reflect organic growth across the same group of companies alone.
Among the companies for which the report provides a positive turnover figure for 2024, allowing for a year-on-year percentage comparison, 18 recorded growth in 2025. The top ten, ranked in descending order by growth rate, are:
- Token Payment Services: up 860%, to €375,049;
- Suntio Identity: up 332%, to €69,082;
- StockEstate Crowdfunding: up 319%, to €126,418;
- Smart Fintech: up 162%, to €157,916;
- Prime Dash Development: up 149%, to €107,576;
- ThinkOut: up 96%, to €137,378;
- SymphoPay: up 86%, to €1,736,970;
- Paysera Romania: up 83%, to €216,543;
- Lendox, formerly Ifactor Brokerage: up 54%, to €1,203,073;
- Lendrise Marketplace: up 51%, to €862,085.
SelfPay leads the ranking by business volume
SelfPay ranked first among the companies analyzed, with a business volume of €57.1 million, up 20% from 2024. PayPoint Services followed with €54.9 million, while Eazy Asigurări recorded total revenues of €54.3 million. For the insurer, the study uses total revenues rather than turnover, in line with the methodology applied.
The five largest companies accounted for approximately 74% of the aggregate business value of the companies included in the study.
The top ten companies by business volume in 2025 were:
- SelfPay: €57,054,194;
- PayPoint Services: €54,938,130;
- Eazy Asigurări: €54,342,206 in total revenues, in line with the study’s methodology;
- Mobile Distribution: €28,142,776;
- Brilliapp Services: €16,002,262;
- Netopia Financial Services: €15,069,253;
- Smith & Smith: €11,153,499;
- Europayment Services: €8,565,230;
- Petrol Solutions: €7,266,178;
- Life Is Hard: €5,340,249.
Profitability remains mixed across the ecosystem
Profitability varied significantly among the 42 companies analyzed. In 2025, 22 companies reported a profit, while 20 recorded losses.
The aggregate net result — calculated as the combined profits minus the combined losses of the companies analyzed — stood at €11.4 million.
SelfPay reported the highest net profit in the sample, at €7.8 million, followed by Petrol Solutions, with €4.9 million, and Europayment Services, with €3 million.
The figures highlight a diverse ecosystem, with profitable businesses operating alongside companies that continue to face challenges in achieving sustainable financial performance.
The top ten companies by net profit in 2025 were:
- SelfPay: €7,825,493;
- Petrol Solutions: €4,880,429;
- Europayment Services: €3,005,520;
- Netopia Financial Services: €2,470,278;
- PayPoint Services: €1,246,475;
- Smith & Smith: €1,083,393;
- I-Tom Solutions: €785,909;
- Teleinvest Romania: €548,591;
- SymphoPay: €478,419;
- KeysFin: €430,394.
Individual company results also show a shift from losses to profits. Suntio Identity moved from a loss of €866 in 2024 to a profit of €41,978 in 2025, while Prime Dash Development went from a loss of €23,933 to a profit of €20,054 over the same period.
Net profit margins highlight the performance of smaller companies
Ranked by net profit margin, calculated as net profit divided by turnover, the top five companies were:
- Petrol Solutions: 67%;
- Suntio Identity: 61%;
- Smart Fintech: 55%;
- AI Flow Software: 49%;
- ThinkOut: 41%.
The percentages are rounded as reported in the study. This indicator complements the ranking by net profit, showing the proportion of turnover represented by net profit.
Comparisons should be interpreted in the context of each company’s business model and revenue structure.
More than 1,100 employees across RoFintech member companies analyzed
The combined average number of employees reached 1,113 in 2025. PayPoint Services was the largest employer among the companies analyzed, with 234 employees.
The five largest employers in the sample were:
- PayPoint Services: 234 employees;
- Smith & Smith: 191 employees;
- SelfPay: 95 employees;
- Mobile Distribution: 94 employees;
- Life Is Hard: 87 employees.
Together, these companies had a combined average of 701 employees, accounting for approximately 63% of the total across the companies analyzed.
Bucharest accounted for approximately 80% of the aggregate business value generated by the companies analyzed, underscoring the capital’s central role in the ecosystem represented by RoFintech.
Growth expected to continue in 2026
KeysFin expects the companies analyzed to maintain their growth trajectory in 2026, with aggregate business potentially exceeding €300 million.
The full report is available here.
___
The report is based primarily on annual financial data reported by companies to the Romanian Ministry of Finance and extracted in September 2026. All figures are expressed in euros, using the National Bank of Romania’s average annual exchange rate.
StockEstate Crowdfunding provided its data directly for inclusion in the analysis.
The study covers the 42 RoFintech member companies selected for analysis. The findings describe this specific group of companies and are not intended to represent an exhaustive measurement of the Romanian fintech market as a whole.
The Romanian Fintech Association (RoFintech) represents the interests of financial technology companies in Romania. The association promotes innovation, collaboration between fintech startups and traditional financial institutions, and the adoption of digital solutions across the Romanian and regional markets.
