Current Reports

RB 4/2026

The Management Board of PragmaGO S.A. (the “Issuer”) presents the estimated results of the Group in terms of turnover and number of clients for the fourth quarter and for 2025. The final results will be provided in the content of the interim report scheduled for publication on April 23, 2026.

Q4 2025 results.

Turnover understood as the face value of financed receivables in Q4 2025 amounted to PLN 838.6 million, up 24% year-on-year, of which PLN 583.7 million was attributable to factoring (up 14% year-on-year) and PLN 254.9 million to loans (up 55% year-on-year), including embedded finance products (Merchant Cash Advance and BNPL B2B).

The value of financed receivables under digital factoring amounted to PLN 372.5 million, up 35% from Q4 2024.

In Q4 2025, 15,761 businesses used PragmaGO Group’s services (a 16% increase over the same period in 2024), completing a total of 232,811 transactions (a 42% increase over the same period in 2024). Factoring was used by 1,338 customers (8% more than in the corresponding period of 2024).

In the fourth quarter of 2025, 14,470 entrepreneurs used embedded finance services(up 17% from Q4 2024), including:

• The Merchant Cash Advance service was used by 3,278 entrepreneurs(up 53% year-on-year in 2024), who received financing worth PLN 154.7 million (up 70% year-on-year in 2024),
• BNPL ‘s services (B2B deferred payments, including PragmaPay) were used by 11,751 entrepreneurs(up 12% y/y), who received financing worth PLN 98.4 million (up 33% from Q4 2024).

2025 results.

In 2025, the PragmaGO Group’s total turnover was PLN 3.1 billion (up 29% y/y), of which factoring generated PLN 2.2 billion (up 19% y/y) and loans PLN 877.6 million (up 67%). Factoring was used by 2,436 customers (up 2% year-on-year). The value of financed receivables under digital factoring amounted to PLN 1.4 billion, an increase of 40% y/y.

The value of financing provided for embedded finance services amounted to PLN 871.9 million (up 66% y/y), benefiting 23,921 companies (+24% y/y), including:

• The Merchant Cash Advance service was used by 6,626 entrepreneurs (up 67% y/y), who received financing worth PLN 539.8 million (up 95% y/y),
• BNPL’s services (B2B deferred payments) were used by 18,811 entrepreneurs (up 16% y/y), who received financing worth PLN 322.2 million (up 33% y/y).

During 2025, PragmaGO Group provided services to 26,297 traders, an increase of 22% over 2024. They completed a total of 823,219 transactions (up 64% year-on-year).

The above figures include the results of the PragmaGO Group, including Telecredit IFN S.A. (Omnicredit), a Romanian fintech that joined the PragmaGO Group on December 5, 2024.

Legal basis – Article 17 (1) Regulation of the European Parliament and of the Council ( EU) No. 596/2014 (MAR)

RB 3/2026

Pursuant to § 84 (1) of the Decree of the Minister of Finance dated June 6, 2025 on current and periodic information published by issuers of securities and conditions for recognizing as equivalent information required by the laws of a non-member state (hereinafter – the Decree), the Management Board of PragmaGO S.A. informs that periodic reports in 2026 will be made public on the following dates:

1. annual report for 2025: April 23, 2026.
2. quarterly report for Q1 2026: May 21, 2026
3. Semi-annual report for H1 2026: September 17, 2026
4. Quarterly report for Q3 2026: November 19, 2026.

At the same time, the Company’s Board of Directors declares that:

1. in accordance with Paragraph 83(2) of the Ordinance, the Issuer will not provide a quarterly report for the fourth quarter of the 2025 fiscal year and a quarterly report for the second quarter of the 2026 fiscal year,
2. in accordance with Paragraph 63(1) of the Ordinance, the Issuer will provide consolidated quarterly reports for the first and third quarters of the 2026 fiscal year containing quarterly financial information and will not provide separate stand-alone quarterly reports for these reporting periods,
3. In accordance with Section 63(3) of the Ordinance, the Issuer, which is the Parent Company, will not publish a separate stand-alone semi-annual report, and therefore the consolidated semi-annual report for the first half of fiscal 2026 will include the Issuer’s condensed semi-annual financial statements together with the report of the auditing firm.

RB 2/2026/K

The Issuer informs that the current report published on January 20, 2026 was mistakenly numbered 2/2026. The correct numbering of this report is 1/2026.

The correction described above does not affect the rest of the content of the corrected report, which remains unchanged.

Legal basis: § 16 (2) of the Decree of the Minister of Finance dated June 6, 2025 on current and periodic information (…).

RB 2/2026

In accordance with the Terms and Conditions of Issuance of bonds of series U, B1, C6, D2 and D3, PRAGMAGO S.A. presents a report on the status of the pledged receivables securing the claims of bondholders of these series. As of December 31, 2025, the nominal value of the claims included in the set of pledged claims for each series amounted to.

For the U series, PLN 12,477,517.

for the B1 series PLN 15,702,251.

for the C6 series PLN 36,041,767.

For the D2 series, PLN 45,283,984.

For the D3 series, PLN 61,127,212.

Total value of the collection: PLN 170,632,731.

A state of shortage did not exist.

Total receipts to the pledged bank account established to secure receivables from Series U, B1, C6, D2 and Series D3 Bonds for the last 6 months amounted to PLN 273,282,499.

The value of the Loss Ratio as of 31/12/2025 is 0.23%.

Legal basis – Article 17 (1) of Regulation (EU) No. 596/2014 of the European Parliament and of the Council (MAR).