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's activity report 2022

The Aktiva Finance Group OÜ (known as Aktiva Finants OÜ until 27.02.2023) includes the following companies:

Name of the group company Participation in the group Name of the group company Participation in the group

Aktiva Finance Group OÜ parent company Recoverso RMC OÜ 100%

Julianus Inkasso OÜ 100% Julianus Inkasso Sp.zoo 100%

Nova Mispra Capital Sp.zoo

Julianus Inkaso UAB 100% 100%

S.K.

Julianus Inkasso Latvija SIA 100% Cynterus Anfra Sp.zoo S.K. 100%

Julianus Law Office OÜ 100% Mispra Capital Sp.zoo 100%

Viena saskaita UAB 100% Mispra Innovations Sp.zoo 100%

Perfi OÜ 100% Repago Sp.zoo 100%

Perfi SIA 100% Anfra Sp.zoo 100%

Kontu Sp.zoo 95%

Credit Register OÜ 75% Subsidiaries

Reminder Center OÜ 100% Meieni OÜ 25%

Avaus Marketing Innovations

Aktiva Financial Solutions OÜ 100% 48.1%

Oy

The Aktiva Finance Group provides comprehensive financial infrastructure services to companies. Aktiva Finance Group contributes to the development of financial infrastructure by helping to assess individuals' creditworthiness, developing payment solutions, and reducing clients' credit losses. The group includes various companies offering credit management services. Julianus Inkasso OÜ and its subsidiaries Julianus

Inkasso Latvija SIA and Julianus Inkaso UAB offer pre-court and court debt management services in the Estonian, Latvian and Lithuanian markets. Julianus Law Office OÜ is a subsidiary in Estonia specializing in court proceedings related to debts. Aktiva Finance Group OÜ and Recoverso RMC OÜ, which joined the group in the reporting year, along with their subsidiaries in Poland, deal with financial services related to debtor debts. Credit Register OÜ collects, analyzes and mediates background information necessary for making credit decisions for both companies and individuals. Viena saskaita UAB, Perfi OÜ Kontu Sp.zoo handle client settlements. Thanks to the joint operation of the group's companies, the group can offer the best solution to all entrepreneurs in Estonia, Latvia, Lithuania and Poland, which was added as a new market in the reporting year.

In 2022, the group's total sales revenue was 29.8 million euros (2021: 24.5 million euros), which consisted of the revenue from the services offered and the purchase of claims.

The operating profit of the Aktiva Finance Group OÜ group in 2022 was a total of 13.1 million euros (2021: 13.5 million euros) and the net profit was 12.9 million euros (2021: 12.8 million euros). As of 31.12.2022, the group's balance sheet total was 99.3 million euros (2021: 80.2 million euros), of which current assets made up 38.2 million (2021: 28.7 million) and fixed assets 61.1 million euros (2021: 51.5 million euros). As of the balance sheet date, the group had total liabilities of 43.3 million euros (2021: 40.0 million euros), including short-term liabilities of 21.8 million (2021: 14.2 million) and long-term 21.5 million euros (2021: 25.8 million euros).

The remuneration paid to the members of the board of Aktiva Finance Group OÜ in 2022 was a total of 168 thousand euros (2021: 168 thousand euros). The group's wage costs amounted to 4.0 million euros (2021: 3.2 million euros) and the total labor cost was 4.8 million euros (2021: 4.0 million euros). As of 31.12.2022, a total of 177 employees (2021: 138 employees) worked in the Aktiva Finance Group OÜ group.

In the reporting year, Estonia's economic growth was replaced by a -1.3% decline and inflation driven by a sharp increase in energy prices was 19.4%. In Latvia and Lithuania, the economy grew slightly during the reporting year, +2% in Latvia and +1.9% in Lithuania, inflation in Latvia was 17.2% and in Lithuania 18.9%. By the time the report was prepared, inflation growth had slowed and the Bank of Estonia forecasts an average price increase of 9% for 2023, the same level of inflation is also forecast in Latvia and Lithuania. The average monthly gross wage continued to rise during the reporting year, 8.9% in Estonia, 7.5% in Latvia and 13.4% in Lithuania. The Bank of Estonia forecasts an acceleration of wage growth to 10.8% for 2023, the forecast for average wage growth in Latvia is 7.8% and in Lithuania 9.2%. Despite the highest inflation numbers in the euro area, in the board's opinion, the macroeconomic impact in the form of price and wage growth on the company's financial results has been normal.

The environmental impacts of the group's companies are similar to those of any other office of a similar size. The impact of companies dealing with credit management and debt collection in society is significant. It is clear that any economic activity generates a certain amount of