Why ITF Group?
About us
ITF Group JSC is an innovative non–bank financial institution that provides large portfolio of financial services to borrowers. Its main products are consumer loans with various payments schedules targeted to audiences with specific risk factor.
The company has been founded in the end of 2012 and has launched its first entirely online brand SmileCredit on February 2013. The start was very promising and the company recorded four straight profit positive years to date.
As a result the Company strategy has evolved and led to establishment of a second brand – Get Cash in 2015, aimed to operate through offline network.
We want to be modern
Mission
Using the opportunities on the local market, our company strives to become one of the systematically important non–banking financial institutions in Bulgaria, which helps to secure better access to financial resources for ordinary people.
Our mission is to be a modern non-bank financial institution with the purpose to use in full our expertise in financing and high-tech operations to provide affordable and high quality financial service to the local market.
Long – term perspective – a clear and working long – term program for the Company’s development Skills and experience Good standing Responsible relationships Partnership – it stimulates interconnection, mutual respect and support.
What We Do?
Competencies
Teamwork
Gathering knowledge with experience to achieve more.
Proprietary technology
Deep business know-how and technology craftsmanship.
Borrowing conservatism
Credit risk management resulted in revenue from first year on.
Automation
Internal IT department integrates technologies needed to achieve maximum automation and effectiveness.
Synergy
Combination of online and offline business – advantage of studying digital behavior while being next to the customers.
Digital expertise
Experience and expertise in online acquisition and provision of services.
Our Brands
Brands
- Payday loans
- Instalment loans
- Instalment loans
Our Key Figures
-
255 000+
loans granted
-
71
employees
-
10 500+
credit applications every month
-
35%
approval rate
-
51%
Annual portfolio growth
-
25%
new clients per month
Inside information under Article 17, §1, in conjunction with Article 7 of Regulation No 596/2014
Notice of concluded bond loan and invitation
Sample power of attorney for the General Meeting of Bondholders – 24.04.2025
Notification in connection with the decision to issue a third series of bonds – 07.04.2025
Minutes of the Board of Directors – 07.04.2025.pdf
Notification in connection with the decision to issue a third series of bonds–25.03.2025
Minutes of the Board of Directors – 25.03.2025.pdf
Notification in connection with the decision to issue a third series of bonds – 24.03.2025
Minutes of the Board of Directors – 24.03.2025
Notification in connection with the decision to issue a second series of bonds – 12.04.2024
Notification of a decision to issue a second series of bonds – 11.04.2024
Minutes of the Board of Directors – 12.04.2024
Minutes of the Board of Directors – 11.04.2024
General meeting of the Shareholders
Year 2024
Notification for the Registration of an Updated Amended Articles of Association – 26.06.2024
Articles of Association of a Joint-Stock Company – 20.06.2024
Minutes of the General Shareholders’ Meeting – 20.06.2024
Minutes Of The Decisions Of The Board Of Directors – 20.06.2024
Notification for the General Meeting of the Shareholders – 20.06.2024
Invitation to Convene a General Meeting of Shareholders – 20.06.2024
Minutes of the General Shareholders’ Meeting – 14.05.2024
Notification for the General Meeting of the Shareholders – 20.06.2024
Sample of Power of attorney for the General meeting of the Shareholders – 20.06.2024
Notification for the General Meeting of the Shareholders – 28.03.2024
Minutes of the General Shareholders’ Meeting – 28.03.2024
Notification for the General Meeting of the Shareholders
Minutes Of The Decisions Of The Board Of Directors Of “ITF Group” Jsc
Sample of Power of attorney for the General meeting of the Shareholders
Year 2023
Resolution of the Board of Directors
General Meeting of the Shareholders’ Agenda
Minutes of the General Shareholders’ Meeting
Documents related to the issued Bonds
Notice of concluded bond loan and invitation
Sample power of attorney for the General Meeting of Bondholders – 24.04.2025
Notification in connection with the decision to issue a third series of bonds – 07.04.2025
Minutes of the Board of Directors – 07.04.2025.pdf
Notification in connection with the decision to issue a third series of bonds–25.03.2025
Minutes of the Board of Directors – 25.03.2025.pdf
Notification in connection with the decision to issue a third series of bonds – 24.03.2025
Minutes of the Board of Directors – 24.03.2025
Registration document – Part I of the prospectus for admission to trading on a regulated market
Document for the offered securities – Part II of the prospectus for admission to trading on a regulated market
Summary – 2024
Agreement for Performing the Role of ‘Bondholders’ Representative’
Sample of Power of attorney for the General meeting – 22.05.2024
Notification related to a bond with ISIN code BG2100017198 – 14.05.2024
Minutes of the Board of Directors–24.04.2024
Internal Information-Concluded Bond Issue-04.2024
Notification for Submission of Information Document 100b, para. 7 of the ZPPCK – 04.04.2024
Information Document under Art. 100b, para. 7 of the ZPPCK – 04.04.2024
General meetings of the Bondholders – 2024
Resolution of the General Bondholders’ Meeting – 22.05.2024
BSE Notification – 22.05.2024
Resolution of the General Bondholders’ Meeting
BSE Notification – 2024
General Meeting of the Bondholders-Agenda
Notification for the General Meeting of the Bondholders
Sample of Power of attorney for the General meeting of bondholders
Financial Reports
Here you may find the annual financial reports of the company.
Company Presentation
Related documents
Notification of change in the collateral for a bond issue with ISIN BG2100017198 – 29.03.2024
Beam admission
Final press release for successful IPO on BEAM segment
Official press release for the successful first day of BEAM segment IPO
Video from the announcement event with Mr. Svetoslav Angelov
Announcement regarding public offering of shares of ITF Group
Beam market admission document
Year 2024
Annual Financial Reports 2024
FSC Forms – 2024
FSC Forms – Q4 2024
FSC Forms – Q3 2024
FSC Forms – Q2 2024
FSC Forms – Q1 2024
Notification art. 12 Ordinance 2, 31 December 2024-short
Notification art. 12 Ordinance 2, 30 September 2024-short
Notification art. 12 Ordinance 2, 30 June 2024-short
Notification art. 12 Ordinance 2, 31 March 2024-short
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO, 31 December 2024
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO, 30 September 2024
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO, 30 June 2024
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO, 31 March 2024
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – Compiler, 31 December 2023
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – Compiler, 30 September 2023
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – Compiler, 30 June 2023
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – Compiler, 31 March 2023
Notification art. 12 Ordinance 2, 31 December 2024
Notification art. 12 Ordinance 2, 30 September 2024
Notification art. 12 Ordinance 2, 30 June 2024
Notification art. 12 Ordinance 2, 31 March 2024
Inside Information as per art. 7, Regulation 596/2014, 31 December 2024
Inside Information as per art. 7, Regulation 596/2014, 30 September 2024
Inside Information as per art. 7, Regulation 596/2014, 30 June 2024
Inside Information as per art. 7, Regulation 596/2014, 31 March 2024
Interim Financial Statements for the period ending 31 December 2024
Interim Financial Statements for the period ending 30 September 2024
Interim Financial Statements for the period ending 30 June 2024
Interim Financial Statements for the period ending 31 March 2024
Management report as at 31 December
Management report as at 30 September
Management report as at 30 June
Management report as at 31 March 2024
Year 2023
Annual Financial Reports 2023
FSC Forms – Q4 2023
FSC Forms – Q3 2023
FSC Forms – Q2 2023
FSC Forms – Q1 2023
Notification art. 12 Ordinance 2, 31 December 2023-short
Notification art. 12 Ordinance 2, 30 September 2023-short
Notification art. 12 Ordinance 2, 30 June 2023-short
Notification art. 12 Ordinance 2, 31 March 2023-short
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO, 31 December 2023
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO, 30 September 2023
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO, 30 June 2023
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO, 31 March 2023
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – Compiler, 31 December 2023
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – Compiler, 30 September 2023
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – Compiler, 30 June 2023
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – Compiler, 31 March 2023
Notification art. 12 Ordinance 2, 31 December 2023
Notification art. 12 Ordinance 2, 30 September 2023
Notification art. 12 Ordinance 2, 30 June 2023
Notification art. 12 Ordinance 2, 31 March 2023
Inside Information as per art. 7, Regulation 596/2014, 31 December 2023
Inside Information as per art. 7, Regulation 596/2014, 30 September 2023
Inside Information as per art. 7, Regulation 596/2014, 30 June 2023
Inside Information as per art. 7, Regulation 596/2014, 31 March 2023
Interim Financial Statements for the period ending 31 December 2023
Interim Financial Statements for the period ending 30 September 2023
Interim Financial Statements for the period ending 30 June 2023
Interim Financial Statements for the period ending 31 March 2023
Management report as at 31 December 2023
Management report as at 30 September 2023
Management report as at 30 June 2023
Management report as at 31 March 2023
Year 2022
Notification art. 12 Ordinance 2, 31 December 2022
Notification art. 12 Ordinance 2, 30 September 2022
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO, 31 December 2022
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO, 30 September 2022
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO, 30 June 2022
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO, 31 March 2022
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities- Compiler, 31 December 2022
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities- Compiler, 30 September 2022
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities- Compiler, 30 June 2022
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – Compiler, 31 March 2022
Notification art. 12 Ordinance 2, 31 December 2022
Notification art. 12 Ordinance 2, 30 September 2022
Notification art. 12 Ordinance 2, 30 June 2022
Notification art. 12 Ordinance 2, 31 March 2022
Inside Information as per art. 7, Regulation 596/2014, 31 December 2022
Inside Information as per art. 7, Regulation 596/2014, 30 September 2022
Inside Information as per art. 7, Regulation 596/2014, 30 June 2022
Inside Information as per art. 7, Regulation 596/2014, 31 March 2022
Interim Financial Statements for the period ending 31 December 2022
Interim Financial Statements for the period ending 30 September 2022
Interim Financial Statements for the period ending 30 June 2022
Interim Financial Statements for the period ending 31 March 2022
Management report, 31 December 2022
Management report, 30 September 2022
Management report, 30 June 2022
Management report, 31 March 2022
Year 2021
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – CEO
Declaration in accordance with Art. 100o para. 4 p.2 and p.3 Act on public offering of securities – Compiler
Notification art. 12 Ordinance 2
Notification art. 12 Ordinance 2, 31 December 2021
Internal Information as per art. 7, Regulation 596/2014
2021 Financial Statements
Interim Financial Statements for the period ending 31 December 2021
Interim Financial Statements for the period ending 30 September 2021
Interim Financial Statements for the period ending 30 June 2021
Interim Financial Statements for the period ending 31 March 2021
Management report as at 31 December 2021
Management report, 30 September 2021
Management report, 30 June 2021
Management report, 31 March 2021
Year 2020
Report of Independent Auditor
Financial Statements for the year ended 31 December 2020
Interim Financial Statements for the year ended 31 December 2020
Interim Financial Statements for the period ending 30 June 2020
Interim Financial Statements for the period ending 30 September 2020
Management report for the year, 31 December 2020
Management report, 30 September 2020
Management report, 30 June 2020
Year 2019
Annual Financial Statements for the year, 2019
Year 2018
Annual Financial Statements for the year, 2018
Year 2017
Annual Financial Statements for the year, 2017
Official Company documents
Articles of association of ITF Group JSC
Prospect
Registration Document – Part I
Registration Document – Part II
Summary
Bond Information
Report-on-fulfillment-of-bond-obligations-31-December-2024
Report-on-fulfillment-of-bond-obligations-30-September-2024
Report-on-fulfillment-of-bond-obligations-30-June-2024
Report-on-fulfillment-of-bond-obligations-31-March-2024
Report-on-fulfillment-of-bond-obligations-31-December-2023
Report-on-fulfillment-of-bond-obligations-30-September-2023
Report on fulfillment of bond obligations, 30 June 2023
Report on fulfillment of bond obligations, 31 March 2023
Report on fulfillment of bond obligations, 31 December 2022
Report on fulfillment of bond obligations, 30 September 2022
Report on fulfillment of bond obligations, 30 June 2022
Report on fulfillment of bond obligations, 31 March 2022
Report on fulfillment of bond obligations, 31 December 2021
Report on fulfillment of bond obligations, 30 September 2021
Report on fulfillment of bond obligations, 30 June 2021
Report on fulfillment of bond obligations, 31 March 2021
Declaration as per art. 100n, par. 4, p. 3 from ZPPTSK
Report on fulfillment of bond obligations – 2020
Report on fulfillment of bond obligations, 31 December 2020
Report on fulfillment of bond obligations, 30 September 2020
Report on fulfillment of bond obligations, 30 June 2020
Trustee report, 30 June 2022
Trustee report, 31 December 2020
Trustee report, 30 September 2020
Trustee report, 30 June 2020
Notification for second interest payment
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