Current Reports

12/2026

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 first quarter of 2026. The final results will be provided in the content of the interim report scheduled for publication on May 21, 2026.

The Group’s turnover understood as the nominal value of financed receivables in Q1 2026 amounted to PLN 782.2 million, up 9% year-on-year, and in Poland it reached PLN 753.2 million, up 18% year-on-year .

B2B embedded finance lending (Merchant Cash Advance and BNPL B2B), generated 248.3 million zlotys, up 35% year-on-year in Q1 2025, and factoring in Poland recorded a turnover of 504.8 million zlotys (+10% year-on-year)

In Romania, the value of financed invoices amounted to PLN 29 million, down 63% y/y. This was due to a lower supply of receivables resulting from construction work carried out under government infrastructure programs (an important source of high turnover in the first quarter of 2025).

In Q1 2026, 15,262 businesses used PragmaGO Group’s services (a 7% increase over the same period in 2025), completing a total of 227,052 transactions (a 26% increase over the same period in 2025). Factoring was used by 1,389 customers (a 5% increase over the same period in 2025).

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

11/2026

The Management Board of PragmaGO S.A. with its seat in Katowice (the “Company”, the “Issuer”), with reference to current report No. 10/2026 dated April 8, 2026. regarding the conclusion of agreements on registered pledges established on a set of receivables of the Issuer (the “Set”) securing claims of bondholders entitled under the Company’s series U, B1, C6, D2 and D3 bonds, presents a report on the status of the subject of pledges securing claims of bondholders entitled under the Company’s series U, B1, C6, D2 and D3 bonds.

This report presents the status of the Collection after excluding from the Collection the Issuer’s existing and future receivables arising from: (i) agreements entered into by the Issuer prior to January 1, 2019 (cut-off date) which are lump sum factoring agreements designated by the Issuer in the “Navi” system as “Lump Sum Factoring” or “Lump Sum Factoring + Advance, (ii)factoring agreements, designated by the Company in the “Navi” system as “Subscription Factoring” or “Subscription Factoring + Advance”, (iii) factoring agreements, designated by the Issuer in the “Navi” system as “Nanofactoring” (“Segregated Receivables”), and the exclusion of the possibility of entering the Segregated Receivables Collection.

As of February 28, 2026, the nominal value of the receivables included in the Collection (after excluding the Separated Receivables) covered by the registered pledge for each series of the Company’s bonds amounted to:

for series U PLN 12,000,242.

For the B1 series, PLN 15,447,546.

for the C6 series PLN 36,375,095.

For the D2 series, PLN 42,785,526.

For the D3 series, PLN 60,010,315.

Total value of the collection: PLN 166,618,723.

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 295,169,671.

The value of the Loss Ratio as of 28/02/2026 is 0.26%

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

10/2026

The Management Board of PragmaGO S.A. (“Issuer”, “Company”) announces that on April 8, 2026. The Issuer has entered into an agreement with CK LEGAL Chabasiewicz Kowalska i Wspólnicy Spółka Komandytowo-Akcyjna, with its registered office in Kraków, Poland (the “Collateral Administrator”), acting as a pledge administrator for the registered pledges established on the Issuer’s collection of receivables (the “Collection”), constituting security for the receivables of bondholders entitled under the Issuer’s bonds:

– U series designated with ISIN code PLGFPRE00271 in a total number of 100,000;

– B1 series marked with ISIN code PLGFPRE00289 in a total number of 127,792;

– C6 series marked with ISIN code PLGFPRE00404 in a total number of 300,000;

– D2 series marked with ISIN code PLGFPRE00420 in a total number of 350,000;

– D3 series marked with ISIN code PLGFPRE00446 in a total number of 500,000.

(collectively referred to hereafter as the “Bonds”), agreements to register pledges on the Collection regarding changes to the contents of the Collection and the rules for entering claims into the Collection.

The amendment to the Collection consists in excluding from the Collection existing and future receivables of the Issuer arising from: (i) agreements entered into by the Issuer prior to January 1, 2019 (cut-off date) which are lump sum factoring agreements designated by the Issuer in the “Navi” system as “Lump Sum Factoring” or “Lump Sum Factoring + Advance, (ii) factoring agreements, designated by the Company in the “Navi” system as “Subscription Factoring” or “Subscription Factoring + Advance”, (iii) factoring agreements, designated by the Issuer in the “Navi” system as “Nanofactoring (“Segregated Receivables”). In addition, the Agreements excluded the possibility of entering the Separated Receivables Collection (“Collection Change”). The basis for the Change of Collection is the mechanism for the Change of Collection provided for in the terms and conditions of issuance of the Issuer’s Series U, B1, C6, D2 and D3 bonds and in the pledge agreements on the Collection.

The change in the Collection will not result in a Deficiency Condition on the Collection within the meaning of the terms and conditions of issuance of each series of Bonds, details of the Collection Condition will be provided in Current Report No. 11/2026 dated April 8, 2026.

The possibility to amend the Collection was provided for both in the terms and conditions of issuance of each series of Bonds (Section 10.10 of the terms and conditions of issuance of Series U Bonds, Section 2.7.1. of the minimum scope of information with respect to collateral contained in the Offering Document for Secured Bonds forming part of the Base Prospectus for Secured Bonds of the Issuer’s Third Public Bond Issuance Program, under which Series B1 Bonds were issued, Section 2.7.1. the minimum scope of information with respect to collateral contained in the Offering Document for Secured Bonds, forming part of the Base Prospectus for Secured Bonds of the Issuer’s Fourth Public Bond Issuance Program, under which Series C6 bonds were issued, Section 2.7.1. minimum information with respect to collateral contained in the Offering Document for Secured Bonds, which is part of the Base Prospectus for Secured Bonds of the Issuer’s Fifth Public Bond Issuance Program, under which Series D2 and D3 bonds were issued), as well as in the individual contracts for registered pledges established on the Pool. The amendment of the Collection will not constitute an amendment to the terms and conditions of the Bonds.

The amendment of the Collection is made for the purpose of the Issuer obtaining financing, the disbursement of which is contingent on the Issuer establishing collateral on the Separated Claims.

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

9/2026

The Management Board of PragmaGO S.A., based in Katowice, Poland (the “Issuer”), informs that on April 3, 2026, it received information about the registration of PragmaGO d.o.o. in the Croatian Register of Entrepreneurs on April 2, 2026. PragmaGO d.o.o. is a company incorporated under Croatian law with its registered office in Zagreb, Croatia. The Issuer acquired 100% of the shares in the share capital of PragmaGO d.o.o., the amount of which is EUR 2,500.

The establishment of a foreign subsidiary is part of a long-term foreign expansion strategy to offer embedded finance in foreign markets. A local entity will enable effective adaptation of the financial product to regulatory and market requirements, as well as effective cooperation with business partners (including partner platforms). PragmaGO d.o.o. will operate largely on the basis of the Issuer’s technology and operational resources, which will allow for a significant reduction of initial expenditures and rapid scaling of revenues.

Appointed to its Board of Directors were: Vjaceslav Lipko and Joanna Budzik – Lister – persons responsible for the Issuer’s foreign expansion.

The Issuer considered the above information important due to the fact that the establishment of the company in Croatia is expected to expand the Issuer’s activities beyond Poland.

Legal basis: Article 17 (1) MAR – confidential information.

RB 8/2026

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 February 28, 2026, the nominal value of the claims included in the set of pledged claims for each series amounted to.

For the U series, PLN 12,022,517.

for the B1 series PLN 15,337,055.

for the C6 series PLN 36,058,924.

For the D2 series, PLN 47,835,765.

For the D3 series, PLN 60,009,960.

Total value of the collection: PLN 171,264,222.

There was no shortage condition

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 295,169,671.

The value of the Loss Ratio as of 28/02/2026 is 0.26%

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

RB 7/2026

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 subject of the pledge securing the claims of bondholders of these series. As of January 31, 2026, the nominal value of the receivables included in the set of pledged receivables for each series amounted to.

for the U-series PLN 12,031,644.

For the B1 series, PLN 15,440,069.

for the C6 series PLN 36,277,038.

For the D2 series, PLN 42,114,193.

For the D3 series, PLN 60,045,588.

Total value of the collection: PLN 165,908,532.

There was no shortage condition

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 282,061,888.

The value of the Loss Ratio as of 31/01/2026 is 0.25%.

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

RB 6/2026

The Management Board of PragmaGO S.A. (the “Issuer”) announces that on February 20, 2026, it adopted a resolution on the early redemption of series C1 bonds. The early redemption covers all 200,000 (two hundred thousand) series C1 bonds with a total nominal value of PLN 20 million. The bonds will be redeemed for cancellation.

The date for determining the entities entitled to receive early redemption benefits for the series C1 bonds was set for March 2, 2026, and the early redemption date was set for March 4, 2026. On the redemption date, the Issuer will pay the Early Redemption Amount, which consists of the bond principal, premium and interest.

All settlements for the early redemption of series C1 bonds will be carried out through the National Depository for Securities.

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

RB 5/2026

The Management Board of PragmaGO S.A., based in Katowice, Poland (the “Issuer”), informs that on February 11, 2026. The Issuer entered into the agreement of PragmaGO Spain, S.L. (“PragmaGO Spain”). PragmaGO Spain is a company incorporated under Spanish law with its headquarters in Barcelona, Spain. The Issuer subscribed for 100% of PragmaGO Spain’s share capital, which amounts to €3,000 and is divided into 3,000 undivided shares of €1 each.

The establishment of a foreign subsidiary is part of a long-term foreign expansion strategy to offer embedded finance in foreign markets. A local entity will enable effective adaptation of the financial product to regulatory and market requirements, as well as effective cooperation with business partners (including partner platforms). PragmaGO Spain will operate largely on the basis of the Issuer’s technology and operational resources, which will allow for a significant reduction in initial expenditures and rapid scaling of revenues.

PragmaGO Spain will begin operations after it is registered in the Register of Entrepreneurs. Appointed to its Board of Directors are: Vjaceslav Lipko and Joanna Budzik – Lister – persons responsible for the Issuer’s foreign expansion.

The Issuer considered the above information important due to the fact that the establishment of the company in Spain is expected to expand the Issuer’s activities beyond Poland.

Legal basis: Article 17 (1) MAR – confidential information.

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).