PRESS RELEASE
ubimia® closes 2025 with 31% growth after a year of consolidation under a single corporate identity
The company closes the year with €59 million in revenue, EBITDA of €19 million and 45% of its business now in international markets.
Madrid, 15 December 2025 – ubimia® closes the financial year as a period of strategic transition and sustained growth. The company has completed the consolidation of its project under a single corporate identity, a step that has enabled it to unify criteria, strengthen internal consistency and present a clear value proposition to the market: technology, data, models and Artificial Intelligence applied to the comprehensive management of the credit life cycle.
“With our new identity, we have brought coherence to a project that was already working, but needed to be presented to the market with a single voice. ubimia® allows us to better explain who we are and where we are going,” says Jorge Giner Calabuig, CFO & Deputy CEO of the company.
The results reflect this transformation. ubimia® will close the year with a turnover of around €59 million, a 31% year-on-year increase, and an EBITDA of €19 million, 33% more than in 2024. In both cases, the company has maintained a CAGR of 33% and 34% since 2021, in a sector experiencing a period of fierce competition and greater technological demands.
2025 has also been a significant year in corporate matters. The company has completed the acquisition of Ziqy (France) and Finstreet (Germany), two transactions that expand its European footprint and enable it to accelerate its operational capacity in key markets.
Europe now accounts for just over 20% of total turnover, while international activity accounts for 45%, with Mexico (20%) and Germany (15%) playing a particularly significant role. Organic revenue growth in 2025 stands at 8%, although the 26% increase in recurring revenue (ARR) is particularly noteworthy, signalling the maturity of the intellectual property-based subscription model.
ubimia® will close the financial year with 565 employees worldwide. The evolution of the teams has made it possible to maintain efficiency ratios above €100,000 in turnover per employee and more than €30,000 in EBITDA per employee, reflecting a knowledge- and technology-intensive model.
Giner emphasises that 2025 has been ‘a year for organising, integrating and preparing the ground for what is to come’. He adds: ‘We have strengthened Europe, consolidated our structure in Latin America and made progress in the transformation towards recurring revenues. Growth is important, but what really matters is building a company capable of competing in the long term in a rapidly changing sector.’
Looking ahead to 2026, the company will maintain its roadmap: consolidating its presence in Europe through organic and inorganic growth, strengthening its expansion in Latin America, and continuing to advance the transition towards recurring revenue models based on proprietary technology.
‘Next year’s objectives are in line with what we have achieved in 2025,’ says Giner. ‘It’s about continuing to build, slowly but surely, a company that brings real value to organisations that manage credit in all its phases.’
About ubimia®: ubimia® is a multinational company specialising in technological, data and artificial intelligence solutions for comprehensive credit lifecycle management. With a presence in 26 countries and more than 560 professionals, it combines software, advanced analytics and automation to improve the efficiency of credit processes in companies across multiple sectors.
Further information and interview arrangements:
Ana Salvá I ana@comms-studio.com
