Croatian EMI Business for Sale

EMI Croatian

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Financial Details

Asking Price:
$5,700,000
Annual Revenue:
$720,000
Cash Flow / SDE:
$720,000
Profit Metric:
Revenue
Valuation Multiple:
7.9x
Location:
Zagreb, HR
Source:
Date:
September 15, 2025

Key Highlights

Established EMI business with PI to EMI upgrade.
Own software (Gateway + Ledger) and office in Zagreb.
Serves both high and low risk clients with 600k assets and 350k capital.

Description

This listing presents an opportunity to acquire an EMI (Electronic Money Institution) business based in Croatia. The business has undergone a PI to EMI upgrade and serves both high and low-risk clients. It operates with two Croatian banks and is safeguarded in Lithuania, with dedicated IBANs planned. Key assets include proprietary software for Gateway and Ledger, an office in Zagreb staffed by 6 people, 600k in assets, and 350k in capital. The business reported revenue of 720k in 2021, though 2022 showed a loss. The current monthly burn rate is 20k.

Industry Information

Industry Description:
Commercial Banks, Savings Banks
Classification:
Financial Services

Operational Snapshot

Employees:
6

Real Estate & Lease

Status:
Available_on_request

Listing Details

Listing ID:
2e55835e-30a1-4916-8ad7-af5c208013a6
Deal Status:
For Sale
Date Posted:
December 11, 2023
Last Updated:
September 15, 2025
Currency:
USD

Features & Tags

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