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Banqup Group (BANQ) investor relations material
Banqup Group H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary26 Aug, 2025
Executive summary
Transformation into a pure play SaaS provider is on track, with focus on Belgium, France, and Germany, supported by rebranding to Banqup and a new CRO appointment.
Completed divestments of non-core print businesses, including 21 Grams group and UK operations, to streamline and improve net debt.
Advanced on digital strategy and operational efficiencies, integrating sustainability and maintaining a strong Ecovadis rating.
Strong sales pipeline and new partnerships, with major customer wins and government contracts expected.
No regulatory delays expected in core markets, with regulatory changes driving higher platform volumes.
Financial highlights
Organic subscription revenue grew 20.6% year-over-year in H1; digital services revenue reached €23.1 million.
Group revenue from continuing operations was €31.8 million; EBITDA was €-6.4 million.
Net loss for the period was €26.2 million, including discontinued activities.
Digital services gross margin was 58.0%, slightly down year-over-year; operating expenses reduced by 3.4%.
Cash and cash equivalents at period end totaled €17.1 million, up 17.5% year-over-year.
Outlook and guidance
Guidance maintained for ~25% organic subscription revenue growth and positive free cash flow by end of 2025.
Strong H2 expected, driven by mandatory e-invoicing rollout in Belgium and regulatory adoption in France and Germany.
Anticipated improvement in digital gross margin as migration completes.
Bridge H1 EBITDA loss to FY25 FCF positive
What drives Q4 subscription growth for 25% FY target?
Detail digital services gross margin expansion
Explain Belgium e-invoicing H2 revenue driver
Reasons for digital gross margin pressure?
Update on group refinancing strategy
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Next Banqup Group earnings date
Q3 202513 Nov, 2025
Next Banqup Group earnings date
Q3 202513 Nov, 2025
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Unifiedpost Group SA provides digital solutions for automating financial and administrative processes, serving businesses and governments worldwide. The company focuses on streamlining financial supply chain operations through its cloud-based platform, which facilitates digital interactions, document exchanges, invoicing, payments, and cash flow management. Unifiedpost’s offerings include tools for e-invoicing, e-payments, e-identity verification, and e-reporting, all aimed at enhancing efficiency and regulatory compliance. The company is headquartered in La Hulpe, Belgium, and its shares are listed on the Euronext Brussels.
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