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.

Mission

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

    Teamwork

    Gathering knowledge with experience to achieve more.

  • Propriatery technology

    Proprietary technology

    Deep business know-how and technology craftsmanship.

  • Borrowing conservatism

    Borrowing conservatism

    Credit risk management resulted in revenue from first year on.

  • Automation

    Automation

    Internal IT department integrates technologies needed to achieve maximum automation and effectiveness.

  • Sinergy

    Synergy

    Combination of online and offline business – advantage of studying digital behavior while being next to the customers.

  • Digital expertise

    Digital expertise

    Experience and expertise in online acquisition and provision of services.

Our Brands

Brands

  • Smile Credit
    • Payday loans
    • Instalment loans
  • Smile Credit
    • Instalment loans

Our Key Figures

  • 185 000+

    loans granted

  • 55

    employees

  • 6 500+

    credit applications every month

  • 45%

    approval rate

  • 40%

    portfolio growth as of Q3 2022

  • 25%

    new clients per month

Financial Reports

Here you may find the annual financial reports of the company.

Beam admission

Announcement regarding public offering of shares of ITF Group
Beam market admission document

Year 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, 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, 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, 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, September 30 2022
Inside Information as per art. 7, Regulation 596/2014, June 30 2022
Inside Information as per art. 7, Regulation 596/2014, March 31 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, 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, 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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