Monthio ApS

Monthio’s primary offering is a Software-as-a-Service data product that gathers, analyses and presents information on the economic situation of a private individual or household combining data from several sources. The outcome of the data analysis is a consolidated overview of assets and liabilities as well as income and expenses. ​​The data product can be adapted to specific use cases, such as residential financing, various banking services, consumer lending and car leasing.​ ​The automated flows and high-quality data enable streamlined processes with significant efficiency gains, ensure regulatory compliance, reduce credit losses, and improve both the workflow for advisors and the end customer experience. ​​Monthio has clients ranging from consumer finance, car loans and leasing, to small, medium-sized and large banks.

Description of material changes in activities and finances

The company’s income statement for 2025 shows a loss of DKK 23,909k, and the balance sheet as of December 31, 2025, reports equity of DKK 52,404k. ​​During the year, Monthio continued to strengthen its position within the Danish financial sector and expanded the use of its platform among both existing and new customers. In particular, the company continued to broaden​the application of its technology within larger banking institutions, supporting increasingly complex lending and financial assessment processes. ​​The company continued investing significantly in the development of its platform, product capabilities, and infrastructure to support future scalability and evolving customer requirements. Particular focus was placed on str…

Management expects continued commercial progress driven by expansion within existing customers and the onboarding of new enterprise customers across core markets. The company remains focused on executing against its commercial priorities while continuing to strengthen product capabilities and operational scalability.​​As the business matures, management expects future growth to be increasingly supported by operational efficiencies, automation, and scalable technology investments, enabling continued development without a significant increase in headcount. The company therefore expects a more disciplined cost base while maintaining the capacity to support long-term growth ambitions.​​For the financial year 2026, management expects financial performance to remain broadly in line with 2025, defined as +/- 10 percent, reflecting continued investments aligned with the company’s long-term strategic priorities. Following the funding secured in 2024, the company continues to target a self-sustaining operating model and expects to reach profitability during 2027.

Profit/loss for the year in relation to expected developments

The annual loss is primarily driven by continued investments in product development, platform scalability, organizational capabilities, and commercial expansion, in line with the company’s strategic priorities and growth plans. ​

​The company continued to invest significantly in research and development activities, including enhancements to​existing products, new functionality, and technology initiatives aimed at strengthening automation, efficiency, and​long-term competitiveness. ​​Management considers the financial performance for the year to be in line with expectations and satisfactory considering the company’s continued investment phase and strategic development priorities.

No events have occurred from the balance sheet date until today that materially alter the assessment of the annual report.

14 Assets charged and collateral

As security for debt to credit institutions, a mortgage deed has been issued with a nominal value of 26,000 T.DKK.​The mortgage includes completed development projects, acquired similar rights, provision of rented premises, trade receivables and services. The carrying amount of pledged assets amounts to 35,710 T.DKK.