Company

The financial platform for Southeastern Europe.

Group headquarters in Prishtina run the core: capital, credit models, technology, risk and compliance. Local brands run the markets.

We own the whole stack: licences, balance sheet, technology, data. That is why we move fast where others cannot. New product, weeks. New market, months. Credit decision, seconds. Privately held.

Couple unloading a car at a modern house in the hills
3
markets
4
brands
EUR100M
GMV
100K+
users
5.8M
people in our markets

One core. Four brands. More coming.

Each brand holds its own licence and runs its own market. All of them run on the Virtus core.

Woman beside a dark green SUV on a city street
Kosovo

Virtus Lending

Licence Non-bank financial institution. Licensed by the Central Bank of Kosovo.
Products Cars, equipment and credit. Decided in a minute.
Woman paying with her phone at a bakery in an old town
Kosovo

Swinto

Licence Electronic money institution. Licensed by the Central Bank of Kosovo.
Products Visa cards, accounts and transfers home. One app.
Business owner at a site with an excavator
North Macedonia

One Leasing

Licence Licensed by the Ministry of Finance of North Macedonia.
Products Vehicles and equipment for people who build things.
Southeastern Europe

Next market

Status In preparation.
Products Same core, new country.

Built different.

Engineered to ship fast and to stand up to scrutiny.

Man charging an electric car in the city
One core

One platform runs credit, cards and payments for every brand. Built and owned in-house.

Machine learning decides

Credit decisions in under a minute, around the clock. People review the exceptions.

Local licence, central control

Each brand is licensed and supervised in its market. Risk, compliance and capital are run from Prishtina.

Boring where it should be

Audited consolidated IFRS accounts. Independent board. Audit and risk committees.

Man walking through a meadow toward his car below snow peaks