RISIKA A/S

Risika A/S is a financial technology company dedicated to transforming the landscape of credit risk management. Our mission is to provide the most flexible B2B solution to balance growth and risk in every trade decision, creating financial safety through calculated risk.

By leveraging advanced analytics and real-time data, we provide a sophisticated platform that automates credit assessments and portfolio monitoring. Risika exists to bridge the gap between complex financial data and actionable insights, serving as a critical partner for financial institutions and B2B enterprises across Northern Europe and beyond.

2025 was a milestone year for Risika A/S. For the sixth consecutive year, the company achieved a solid increase in Annual Recurring Revenue (ARR). This sustained growth, combined with disciplined operational management, has resulted in a significant positive EBITDA for the financial year.

Furthermore, the company's capital structure has been substantially strengthened. Our shareholders have successfully converted outstanding convertible notes into equity. Combined with the positive result from operations, this has restored the company’s equity to a positive position, ensuring a robust financial foundation for our continued expansion.

Based on our current ARR momentum and the recent strengthening of our capital base, Management holds a positive outlook for 2026. We expect continued growth in both revenue and profitability, driven by our AI-enhanced operations, sharpened commercial focus, and our deepened penetration into the Nordic and international financial sectors.

Innovation remains a core driver of our business model. In 2025, Risika transformed into an AI-first organisation, focusing on the systematic implementation of Artificial Intelligence across all internal and external functions. This transformation spans from the core development of our risk solutions to automation of commercial, administrative, and financial tasks.

By continuously gathering experiences and data from these implementations, we ensure that AI-driven efficiency gains are directly reinvested into our product development cycle. This approach allows us to deliver faster and more precise credit intelligence while maintaining a lean operational setup.

A key pillar in our 2025 strategy has been the formalisation of a global partnership with Coface, a world leader in trade credit insurance and business information. This collaboration marks Risika's transition from a Nordic specialist to a global provider of credit risk management.

Through this strategic reselling agreement, Risika now offers seamless access to global business information and underwriting data covering approximately 240 million companies across 190 markets. The integration of Coface’s data on companies directly into the Risika ecosystem ensures that our clients can manage global risk with standardised, high-quality assessments, including predictive credit scores.

2025

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