Statement 2025
Annual report
https://storage.crowdster.eu/Crowdlending-Europe-AB-RB-2025-signed-15026324.pdf
Auditor’s report
https://storage.crowdster.eu/AR-Crowdlending-Europe-AB-2025-signed-15038346.pdf
Crowdsters 2025 Annual Report
Crowdlending Europe AB(Crowdster) has now published its first Annual Report, reflecting an expectednegative financial result. Management and the Board look back on a year inwhich the foundation for a European FinTech company was established and, most importantly,the company secured its licence from the Swedish Financial SupervisoryAuthority (Finansinspektionen) at the end of the year.
Establishing aregulated European crowdfunding platform is a comprehensive andcapital-intensive undertaking. Before a company is allowed to facilitateinvestments, EU regulation requires it to obtain a European CrowdfundingService Provider (ECSP) licence. This means that substantial investments mustbe made long before the business is able to generate its first revenues.
For Crowdster, thishas involved significant investments in the technology platform, theestablishment of a robust governance structure with an experienced Board ofDirectors and management team, the recruitment of key employees, closecooperation with Wistrand Advokatbyrå throughout the licensing process withFinansinspektionen, audits conducted by PwC, and the development ofcomprehensive compliance and risk management frameworks required of a regulatedEuropean financial institution.
CEO Gorm Ejmefors-Bjørkmann comments:
"Reaching thismilestone is a major achievement for Crowdster. We have successfully completednearly two years of work to obtain our license from Finansinspektionen whilesimultaneously raising approximately SEK 19 million in our Series A funding round.Our first investment opportunity has now been fully financed, and the platformhas moved from development into commercial operations.
Our first AnnualReport reflects the significant investments required to establish a regulatedEuropean FinTech company. We are very pleased that we have remained committedto our strategy throughout the entire process and now have a platform that isready for international expansion."
Crowdsters ambitionsextend well beyond the Swedish market. The company's strategy is to build oneof Europe's leading real estate crowdfunding platforms through a franchise andagency model, with its Swedish headquarters serving as the central hub for expertise,compliance, technology and governance.
Today, Crowdster isalready operating in Sweden and Denmark, and the next milestone will be thelaunch of its first international franchise on Spain's Costa del Sol inMarbella during the first quarter of 2027.
The Strategy Going Forward
"Our strategyis very clear. Our Swedish headquarters will be responsible for compliance,legal affairs, reporting to Finansinspektionen, technology, and overall riskmanagement.
Our franchisepartners and local agents will drive growth by sourcing the strongest realestate projects in their respective markets. This will enable investors todiversify across projects, countries and different risk profiles whileinvesting through one single regulated European platform."
Following the receiptof its European license, Crowdster has successfully completed its first fullyfunded real estate project and is experiencing strong interest from bothinvestors and property developers.
The company's currentpipeline includes projects in Sweden, Denmark and Spain, and with theestablishment of its Marbella franchise, Crowdster is taking the next steptowards building a pan-European network of local franchise and agency offices.
"We have spentthe first years building the foundation. Now we are entering the next phase,where our focus is on scaling the business across Europe," concludes Gorm Ejmefors-Bjørkmann.
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