{"id":37837,"date":"2026-04-20T15:48:33","date_gmt":"2026-04-20T13:48:33","guid":{"rendered":"https:\/\/ub-st.kodaconsulting.dev\/memoria-de-actividad-2025-ubimia\/"},"modified":"2026-05-06T13:49:05","modified_gmt":"2026-05-06T11:49:05","slug":"ubimia-2025-activity-report","status":"publish","type":"post","link":"https:\/\/ub-st.kodaconsulting.dev\/en\/ubimia-2025-activity-report\/","title":{"rendered":"PR: ubimia\u00ae presents its 2025 Activity Report: a year of transformation, international expansion and the institutionalisation of artificial intelligence"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;section&#8221; _builder_version=&#8221;4.27.4&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_row admin_label=&#8221;row&#8221; _builder_version=&#8221;4.27.4&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||29px|||&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.27.6&#8243; header_2_font_size=&#8221;32px&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; header_2_font_size_tablet=&#8221;32px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;&#8221; header_3_font_size_phone=&#8221;18px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2025\/07\/logo_ubimia_color_full.svg\" width=\"300\" height=\"300\" alt=\"\" class=\"wp-image-99 alignnone size-medium\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #000000;\"><strong>PRESS RELEASE<\/strong><\/span><\/p>\n<h2 style=\"text-align: center;\" class=\"mb-l\">ubimia\u00ae presents its 2025 Activity Report: a year of transformation, international expansion and the institutionalisation of artificial intelligence<\/h2>\n<h3 style=\"text-align: center;\"><span>The company publishes its annual report, which covers a year marked by the birth of the new global brand, the integration of new companies in Europe and the year-end close with growth of 26%<\/span><\/h3>\n<p style=\"text-align: center;\"><span><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ub-st.kodaconsulting.dev\/wp-content\/uploads\/2026\/04\/Collage-memoria-ubimia-2025-300x180.jpg\" width=\"300\" height=\"180\" alt=\"\" class=\"wp-image-37608 alignnone size-medium\" \/><\/span><span><\/span><\/p>\n<p><em>Madrid, 20 April 2026<\/em> &#8211; <strong>ubimia\u00ae<\/strong>, a technology platform specialised in SaaS solutions, data and artificial intelligence applied to the credit lifecycle, has published its 2025 Activity Report. The document sets out the main milestones of a year marked by transformation, the consolidation of the business model and the future vision of a company that closed the year with growth of 26%.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>A year of structural transformation<\/strong><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">2025 has been marked by three pillars that redefine ubimia\u00ae&#8217;s positioning in the global market:<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The first, the <a href=\"https:\/\/ub-st.kodaconsulting.dev\/en\/press-release-pfstech-is-reborn-as-ubimia-and-accelerates-its-international-expansion-in-europe-and-latin-america\/\"><strong>birth of the ubimia\u00ae brand<\/strong><\/a>, presented in October before more than 500 clients, employees, partners and investors at an event held in Madrid. The change meant the unification of all the group&#8217;s brands and companies under a common identity, with a clearer and more coherent value proposition in the 26 countries where the company operates.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The second pillar was <a href=\"https:\/\/ub-st.kodaconsulting.dev\/en\/pfstech-expands-its-reach-and-enters-new-sectors-with-the-integration-of-ziqy\/\"><strong>European expansion through the integration of ZIQY<\/strong><\/a>, specialised in renting and the circular economy in France, <a href=\"https:\/\/ub-st.kodaconsulting.dev\/en\/pfstech-strengthens-its-presence-in-europe-with-the-acquisition-of-germanys-finstreet\/\"><strong>and finstreet<\/strong><\/a>, focused on digital financial onboarding in Germany. These operations strengthened the group&#8217;s technological capabilities and accelerated its presence in Central and Western Europe, a market which, together with America, already accounts for 47% of total revenue.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The third milestone was the <strong>institutionalisation of artificial intelligence as a structural capability of the group<\/strong>, with the creation of a cross-functional AI Oversight Committee, a corporate register of AI-based solutions and an internal framework for responsible use aligned with European regulation.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Strength of the business model<\/strong><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The 2025 financial year confirms the strength of ubimia\u00ae&#8217;s model: a high percentage of recurring revenue that reinforces the predictability and scalability of the business, with more than 6,000 active clients in 26 countries and a team of 566 professionals.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>2026-2030 strategic plan<\/strong><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The report also sets out the group&#8217;s strategic plan for the next five years, whose aim is to consolidate ubimia\u00ae as a global technology benchmark in the credit lifecycle, with sustained double-digit growth and a business model progressively based on intellectual property and recurring business.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>The 2025 Activity Report is available for download:<\/strong><a href=\"https:\/\/ub-st.kodaconsulting.dev\/en\/investors\/#modal-anual\"><strong><\/strong><\/a><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\" style=\"text-align: center;\">\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/ub-st.kodaconsulting.dev\/en\/investors\/#modal-anual&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Download Activity Report 2025&#8243; button_alignment=&#8221;center&#8221; module_class=&#8221;modal-open&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#152A35&#8243; button_bg_color=&#8221;#00F7BC&#8221; button_border_width=&#8221;0px&#8221; button_border_radius=&#8221;50px&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_button][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.27.6&#8243; header_2_font_size=&#8221;32px&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; header_2_font_size_tablet=&#8221;32px&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;&#8221; header_3_font_size_phone=&#8221;18px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><b><span data-contrast=\"auto\"><\/span><\/b><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><b><span data-contrast=\"auto\"><strong>About ubimia\u00ae: <\/strong><\/span><\/b>ubimia\u00ae <span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun SCXW250676681 BCX8\"><span class=\"NormalTextRun SCXW250676681 BCX8\">is<span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">a<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">multinational<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">company<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">specialised<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">in<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">technology<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">solutions<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">,<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">data<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span>and<span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">artificial<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">intelligence<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">for<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">the<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">end-to-end<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">management<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span>of<span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">the<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">credit<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">lifecycle<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">.<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span>With<span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">a<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">presence<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">in<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span>26<span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">countries<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span>and<span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">more<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span>than<span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">560<span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">professionals<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">,<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">it<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">combines<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">software<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">,<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">advanced<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">analytics<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span>and<span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">AI<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">to<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">improve<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">the<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">efficiency<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">of<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">credit<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">processes<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">in<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">companies<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">across<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">multiple<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\"><span> <\/span><\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">sectors<\/span><span class=\"NormalTextRun SCXW250676681 BCX8\">.<\/span><\/span><span class=\"EOP SCXW250676681 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\"> <\/span><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><b><span data-contrast=\"auto\">Further information and interview requests:<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Ana Salv\u00e1 I ana@comms-studio.com<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\"> <\/span><\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>PRESS RELEASE ubimia\u00ae presents its 2025 Activity Report: a year of transformation, international expansion and the institutionalisation of artificial intelligence The company publishes its annual report, which covers a year marked by the birth of the new global brand, the integration of new companies in Europe and the year-end close with growth of 26% Madrid, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":38438,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[230],"tags":[],"dipi_cpt_category":[],"class_list":["post-37837","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-releases"],"_links":{"self":[{"href":"https:\/\/ub-st.kodaconsulting.dev\/en\/wp-json\/wp\/v2\/posts\/37837","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ub-st.kodaconsulting.dev\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ub-st.kodaconsulting.dev\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ub-st.kodaconsulting.dev\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/ub-st.kodaconsulting.dev\/en\/wp-json\/wp\/v2\/comments?post=37837"}],"version-history":[{"count":11,"href":"https:\/\/ub-st.kodaconsulting.dev\/en\/wp-json\/wp\/v2\/posts\/37837\/revisions"}],"predecessor-version":[{"id":38470,"href":"https:\/\/ub-st.kodaconsulting.dev\/en\/wp-json\/wp\/v2\/posts\/37837\/revisions\/38470"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ub-st.kodaconsulting.dev\/en\/wp-json\/wp\/v2\/media\/38438"}],"wp:attachment":[{"href":"https:\/\/ub-st.kodaconsulting.dev\/en\/wp-json\/wp\/v2\/media?parent=37837"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ub-st.kodaconsulting.dev\/en\/wp-json\/wp\/v2\/categories?post=37837"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ub-st.kodaconsulting.dev\/en\/wp-json\/wp\/v2\/tags?post=37837"},{"taxonomy":"dipi_cpt_category","embeddable":true,"href":"https:\/\/ub-st.kodaconsulting.dev\/en\/wp-json\/wp\/v2\/dipi_cpt_category?post=37837"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}