February 23, 2026 Press releases

ACEMA Credit Czech a.s. closed the past year with a historic milestone. For the first time in its more than twenty-year history, the company exceeded CZK 1 billion in provided loans, confirming its steady growth and the trust of clients and investors. The growth was mainly driven by a conservatively managed portfolio of secured loans, rigorous risk control, and the further development of data-driven processes. The results also demonstrate the company’s ability to grow sustainably even in an environment of increased market uncertainty.

The 2024/2025 period was exceptionally successful for ACEMA in terms of both production and portfolio quality. The company maintains a long-term conservative approach to risk management, reflected primarily in the structure of loan collateral and a low default rate. “Surpassing the CZK 1 billion volume of provided loans represents confirmation of a long-term sustainable financing model. It is not a one-off fluctuation, but the result of a consistent approach to risk management and data-driven decision-making,” says Ing. Lukáš Zaňák, Chairman of the Board of ACEMA Credit Czech, a.s.

Stable portfolio and conservative risk management

ACEMA’s loan portfolio has long been characterized by a low average LTV, strong collateralization, and active receivables management. The default rate for secured loans remains below 2%, confirming both portfolio stability and the efficiency of recovery processes. “Our priority has never been to maximize volume at any cost. For us, portfolio quality, liquidity, and predictability of loan performance over time are far more important,” adds Lukáš Zaňák.

During the last fiscal year, ACEMA Credit Czech, a.s. further strengthened its financial position. Company assets increased to CZK 2.09 billion, while total revenues reached CZK 412.3 million. Gross profit before tax amounted to CZK 168.5 million, confirming the company’s long-term stable profitability. ACEMA also maintains strong liquidity — with a current ratio of 9.5 — and a conservative capital structure with a significant share of equity. Return on assets (ROA) reached 8% and return on sales (ROS) 41%, demonstrating efficient cost management and the quality of the loan portfolio. The company thus confirms its stability, resilience, and ability to deliver solid results even in a challenging market environment.

Initial data confirms the quality of Business Invest AI

Last year also saw the launch of a new type of unsecured business loans — Business Invest AI — an innovative product based on advanced data analytics and AI-driven scoring. After nearly a year of operation, the product shows positive results. Since its launch, 73 operational loans have been provided, with a default rate of 5.5% as of February 2026. Importantly, most defaults originate from the early phase, and portfolio quality has improved as the model has been further refined.

The conservative approach is also reflected in the structure of approved loans — risk category D is not approved at all, and most loans fall into higher rating classes A and B. Another strong quality indicator is that 41% of newly provided loans represent repeat financing for existing clients. “Business Invest AI confirms that combining our proprietary predictive model with real data and continuous system optimization delivers meaningful results for both clients and investors. A good example is an entrepreneur who used the product three times. In two already repaid cases, he utilized early repayment without penalties, using the loan to finance a specific contract and then optimizing costs through early settlement,” adds Lukáš Zaňák.

Outlook for the next period

ACEMA enters the next period with the goal of maintaining a conservative loan portfolio profile and a disciplined approach to risk management, which has long been reflected in low default rates and stable portfolio performance. The company will continue to focus on the quality of newly issued loans rather than pursuing growth at any cost.

At the same time, ACEMA plans to further develop its data and technology tools, particularly in predictive modeling, process automation, and credit risk assessment. These steps aim to improve client evaluation accuracy and increase portfolio management efficiency. Transparent communication with investors remains a key priority, including regular publication of key data and an open approach to information about product and portfolio development. ACEMA intends to further strengthen investor confidence and reinforce its position as a stable, long-term financing provider.

The ACEMA Annual Report is available here.

Author: ACEMA Credit Czech a.s.

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