What Profireal Group does

Profireal Group SE is a privately held, Netherlands-registered (with operational headquarters in Prague, Czech Republic) multinational non-bank financial services provider founded around 1999. The group operates on two continents across six countries — Czech Republic, Slovakia, Poland, Bulgaria, Romania/North Macedonia, Russia, and the Philippines — through two business lines. PROFI CREDIT is the core operating subsidiary delivering consumer and business lending services via a personal sales network of more than 1,100 credit advisors, supported by a loyalty program attached to its loan products; the group reports over 1.85 million clients served and more than 2.35 million loans disbursed cumulatively as of January 2025. PROFI Investment, the second division, sources and develops long-horizon investment opportunities globally in sectors including alternative energy, eCommerce, Big Data, P2P lending, mobile payments, and Fintech aggregators.

Profireal's revenue model is two-track. The lending arm earns interest income on consumer and small-business loans originated through its branch-and-advisor footprint, with pricing set on a per-customer basis rather than via publicly disclosed rate cards. Repayment is collected both through direct advisor relationships and through local distribution partnerships such as those with Allianz Bank Bulgaria, EasyPay, and Eurobank in Bulgaria, which extend fee-free payment touchpoints to borrowers. The investment arm generates returns from proprietary capital deployed into external Fintech and adjacent opportunities. The group is privately held with closely held ownership, controlled by a Board chaired by David Chour and led operationally by General Director Jaroslaw Chęciński (appointed February 2019), and does not list external institutional investors.

Underlying technology is best characterised as a sales-led origination and loan-management platform rather than a digital-native stack: product distribution depends on physical branches and field advisors, with no public APIs, SDKs, mobile applications, or proprietary AI/ML underwriting models disclosed. Corporate messaging emphasises customer-facing loyalty programs and personal-sales expertise over technological differentiation.

Name

Profireal Group

Legal name

PROFIREAL Group SE

Website

https://profirealgroup.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Profireal Group SE is a privately held, Netherlands-registered multinational non-bank lender operating PROFI CREDIT consumer and small-business lending via more than 1,100 credit advisors across six countries in Europe and Asia, complemented by a PROFI Investment arm deploying capital into alternative energy, eCommerce, Big Data, and Fintech opportunities.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

akta.pro secondary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

Keywords

• Consumer lending services
• Non-bank lending
• Business lending
• Personal loan products
• Investment opportunities

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Consumer Lending: Interest income from consumer loans provided to individuals, including personal loans and credit products with loyalty programs
2. Business Lending: Loans provided to entrepreneurs and small business owners
3. Investment Activities: Locating and developing investment opportunities in sectors including alternative energy, eCommerce, Big Data, and Fintech (P2P, mobile payments, aggregators)

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core offering

Profireal Group is a multinational non-bank financial group that provides consumer and business lending through its PROFI CREDIT division across six countries in Europe and Asia (Czech Republic, Poland, Bulgaria, North Macedonia, Russia, and Philippines), complemented by PROFI Investment, which locates and develops investment opportunities worldwide in sectors such as alternative energy, eCommerce, Big Data, and Fintech. Lending products include personal loans and business loans with loyalty programs, distributed through a personal sales network of over 1,100 credit advisors.

Product overview

Profireal Group is a multinational financial services provider offering a portfolio of credit and investment products. The core offerings consist of Profi Credit (consumer and business lending with loyalty programs) and Profi Investment (global investment opportunity development in sectors like alternative energy, eCommerce, Big Data, and Fintech). The group complements its financial services with a Junior Trainee Program for talent development and Corporate Social Responsibility initiatives. With over 25 years of experience and operations in 6 countries across Europe and Asia serving over 1.85 million clients, the group has disbursed over 2.35 million loans.

Differentiator

Problem solved

Functional benefit

Brands

• Profi Credit: Consumer and business lending division operating on two continents, mainly in Czech Republic, Poland, Bulgaria, North Macedonia, Russia, and Philippines.
• Profi Investment

Products and services

• PROFI CREDIT Consumer and Business Lending

Quantifiable outcome

• Over 1.85 million clients served
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• Allianz Bank BulgariacoreChannel Partner/ Reseller/ Distributor · 1 February 2012Partnership for enabling clients to pay loan installments at Allianz Bank Bulgaria branches across 100+ business centers and offices. Provides customers with convenient fee-free payment options for loan repayments.
• Eurobank (Euronet)coreChannel Partner/ Reseller/ Distributor · 1 February 2012Banking partnership providing clients with ability to pay loan installments at over 160 Eurobank offices and branches in Bulgaria without any fees or commissions.
• EasyPaycoreChannel Partner/ Reseller/ Distributor · 1 October 2011Partnership allowing clients to pay monthly loan installments at over 1,648 EasyPay offices across Bulgaria. Enables convenient payment options with no prior registration required.
• Dětský domov (Children's Home)minorOthersCharitable partnership with children's home, providing annual financial donations as part of corporate social responsibility activities.

Scale indicators5 records

Recent moves9 records

Expansion highlights4 records

Direct peers

• Home Credit Group (PPF Group): Czech-rooted consumer finance group operating across CEE and Asia with a similar branch-and-sales-agent distribution model and consumer/SME lending focus; widely regarded as the closest direct comparable to Profireal's Profi Credit business.
• Mogo Finance: Latvia-headquartered non-bank lender originating consumer and vehicle-secured loans across CEE/Baltics, providing a comparable specialty-finance operating template in similar emerging consumer-credit markets.
• Aasa Polska (now Aasa Global): Polish non-bank consumer cash-loan lender serving similar subprime/prime-mix customers in the Polish market — one of Profireal's core six countries — with overlapping product, customer, and competitive set.
• Multitude SE (formerly 4finance / Ferratum): Helsinki-listed digital consumer lender active across Europe with comparable unsecured personal loan products in many of the same CEE markets as Profi Credit, evolving from online-only into hybrid distribution.
• International Personal Finance (Provident): London-listed provider of home-collected credit and digital personal loans operating across CEE, with the same non-prime consumer credit customer profile and face-to-face/agent distribution analogue to Profireal's credit-advisor model.

Regional players

• Banka CREDITAS: Czech digital-and-branch consumer lender offering personal loans and related credit products to the same Czech retail customer base as PROFI CREDIT Czech, useful as a domestic head-to-head benchmark.
• Air Bank: Czech retail/SME bank with a strong personal-loans franchise inside Profireal's home market; broader incumbent but competes directly for the same consumer borrower segment as PROFI CREDIT.

Broad incumbents

• Kaspi.kz (Joint Stock Company Kaspi.kz): Central Asia's largest consumer fintech super-app with payments, marketplace, and consumer lending; not CEE-based but cited as the broad-incumbent benchmark for what scaled consumer credit + loyalty + fintech looks like in frontier emerging markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Profireal Group