Enento Group Oyj

“Material defects or errors in the Group’s information, products or services as well as delays in providing products and services may harm its reputation or lead to loss of income, increased costs, regulatory measures or legal claims.”

Annual report 2025A · The company itself

“Enento Group believes that its continued success will be influenced by its ability to meet customers’ needs through the development of products and services that are easy to use and that seek to increase customers’ business process efficiency, offer cost savings, and facilitate better business decisions. The Group’s financial result may suffer if the development of new products or services or improvements to existing products are delayed for reasons related to possible technical challenges, problems related to external IT development resources, information acquisition or regulatory requirements.”

Annual report 2025A · The company itself

“Enento Group’s success also depends on its management and other professional personnel as well as its ability to recruit competent personnel and develop, train and retain them. The Group’s inability to retain or recruit new employees may have a material harmful effect on the Group.”

Annual report 2025A · The company itself

“The company’s key intangible resources include the brand and reputation built up over the years, skilled and competent employees, and strategic partnerships with key customers. These resources enable the preservation of competitive advantage and are a central part of the company’s long term growth strategy.”

Annual report 2025A · The company itself

“In addition, regulatory changes that reduce the lending ability of the Group’s customers and/or impact customer behavior may have a negative effect on the demand for the Group’s services and products.”

Annual report 2025A · The company itself

“Changes to the regulatory framework may require the Group to adapt its service offering or strategy. These changes can include an introduction of potential governmental credit registers. Any actions in breach of regulations concerning operations subject to a license may lead to changing of the Group’s operations, imposing additional conditions to the license or cancellation of the license. The above may also lead to higher costs, force the Group to stop providing some products or services, or prevent or delay development of its operations, or the Group may end up in legal proceedings or become subject to legal claims.”

Annual report 2025A · The company itself

“Enento Group operates in a regulated business and changes in the applicable regulation may impact on revenue and profit. Such regulation may concern, but are not limited to data protection, freedom of speech, credit information and lending related legislation. Any governmental plans to change credit information register related regulations or potential introduction of governmental credit information registers beyond the current regulations may change the competitive landscape and/or otherwise impact the Group’s business, revenue and profit.”

Annual report 2025A · The company itself

“Future outlook and guidance Macroeconomic and geopolitical uncertainties are expected to persist into 2026. The Swedish regulatory environment, especially recent and upcoming changes affecting loan brokers, continue to present risks for Enento.”

Annual report 2025A · The company itself

“The demand for Enento Group’s products and services depends on the activity of the business operations of its customers. Slow economic growth or a declining economy may result in a weakening demand for the services of the Group.”

Annual report 2025A · The company itself

“Safe and uninterrupted functioning of Enento Group’s IT network and systems, cyber security and mitigation of cyber risks, are critical for the Group’s business. Unauthorized access to or disclosure of information as well as loss or abuse of information may lead to a breach of data protection and other applicable laws by the Group, harm to reputation, loss of income, claims or measures taken by the authorities.”

Annual report 2025A · The company itself

“The gathering, storage and use of information is subject to strict regulations, for example data privacy legislation. In Sweden, a license is required for certain operations of the Group, such as credit register related operations. In addition, according to UC’s shareholder agreement, UC’s minority shareholders may veto certain decisions concerning UC’s credit register and the control of credit register data. This may restrict Enento Group’s possibilities to materially change business operations related thereto.”

Annual report 2025A · The company itself

“We expect a stable demand for mortgage and unsecured loans and continued healthy demand for business information services.”

Annual report 2025A · The company itself

“Geopolitical uncertainty, trade wars, wars and conflicts can have a negative impact on macroeconomic development and economic activity in the Nordic countries and globally. This decreases the Group’s ability to predict the demand for its services and causes a risk of weakening revenue development.”

Annual report 2025A · The company itself

“Enento Group has invested and will continue to invest in its technical infrastructure, including equipment and software. If the Group fails in its technological investments, its income may not develop as expected and its expenses may increase.”

Annual report 2025A · The company itself

“The Group does not have business in Ukraine, Russia, Belarus, Israel or in the United States.”

Annual report 2025A · The company itself

“There are encouraging signs of a gradually improving macroeconomic landscape in Sweden, while the development in Finland is expected to remain more modest.”

Annual report 2025A · The company itself

“The Group does not have business in Ukraine, Russia, Belarus, Israel or in the United States.”

Annual report 2025A · The company itself