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BALTIC FINANCE SERVICE GROUP OÜ tegevusaruanne 2024

1 | Principal activities

Baltic Finance Service Group OÜ (“BFSG” or “the Company”) provides business-development and payment-infrastructure services to companies operating in the fintech and digital-asset sectors. The service portfolio comprises: structuring and onboarding of cross-border payment channels; compliance assistance and transaction monitoring; advisory on tokenisation and alternative fund-raising models.

The service mix remained broadly unchanged from 2023; however, in 2024 the Company devoted greater emphasis to crypto-asset liquidity management, resulting in higher trading-related cash flows but no proprietary trading mandate.

2 | Operating environment in 2024

Regulation – EU MiCA entered into force, driving demand for licencing support.

Market – Payment-service providers tightened onboarding standards, raising the value of specialist compliance consultancy.

Macro-economy – Volatile digital-asset prices required prudent inventory valuation (see section 4).

3 | Highlights of the year

Indicator 2024 2023 Change

Net turnover €698 629 €240 728 +190 %

Operating profit before one-off €635 413 €-37 397 n adjustments

Net profit / loss for the year €0 €-36 904 n

Total assets €2.58 m €0.21 m +1 129 %

Equity €0.21 m €0.20 m +5 %

Average head-count (FTE) 2 2 unchanged

Key drivers:

New client mandates in high-value compliance projects lifted revenue.

Cost base was held stable; staff costs fell due to natural attrition (one leaver not replaced).

A revolving credit facility (drawn €2.29 m) strengthened liquidity for client-fund flow management.

The crypto inventory was valued at the lower of cost or NRV, generating a €0.55 m write-down that offset operating profit and aligned closing equity with regulatory capital requirements.

4 | Financial position

The balance sheet closed with €2.58 m assets, of which 99 % comprised:

Crypto inventory – €2.58 m at NRV; all holdings are liquid top-tier tokens.

Cash – €2.5 k spread across EU-regulated institutions.