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Credicuotas Consumo S.A. — Investor Relations & Filings

ISIN · AR0396642289 BYMA Financial and insurance activities
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Filings indexed 615 across all filing types
Latest filing 2024-04-18 Capital/Financing Update
Country AR Argentina
Listing BYMA

About Credicuotas Consumo S.A.

https://www.credicuotas.com.ar/

Credicuotas Consumo S.A. is a financial technology company specializing in providing accessible personal lending solutions. The company offers 100% online personal loans with minimal requirements, disbursed rapidly and repayable in fixed installments. Beyond direct cash loans, Credicuotas also facilitates "Buy Now, Pay Later" services for online and physical retail purchases, allowing consumers to acquire products in fixed installments without a credit card. Additionally, it provides bill payment and mobile top-up services, aiming for simplicity and efficiency in its financial offerings.

Recent filings

Filing Released Lang Actions
PROGRAMA: PROGRAMA DE OBLIGACIONES NEGOCIABLES SIMPLES (NO CONVERTIBLES EN ACCIONES) POR HASTA US$100.000.000 - SERIE :ON SERIE VII / PROGRAMA: PROGRAMA DE OBLIGACIONES NEGOCIABLES SIMPLES (NO CONVERT
Capital/Financing Update Classification · 95% confidence The document is titled as an "Aviso Complementario" (Complementary Notice) related to a bond issuance program by Credicuotas Consumo S.A. It references a Supplement to a Prospectus dated April 17, 2024, and other offering documents. The text includes details about the bond series, the addition of a placement agent, and a credit rating update by FIX SCR S.A. It also mentions regulatory approvals by the Comisión Nacional de Valores (CNV) and provides disclaimers about the nature of the information. The document is an announcement providing additional information to investors about a financing instrument (negotiable obligations) and updates to the offering documents. It does not contain financial statements, audit results, or management discussion and analysis. It is not a full financial report but rather an update related to capital raising activities. Therefore, the document fits best under the category of Capital/Financing Update (CAP). The document length (13,982 characters) supports that it is a detailed announcement rather than a brief notice or a full report.
2024-04-18 Spanish
INFORMACIÓN RELEVANTE RELATIVA A INSTRUMENTOS - CALIFICACIÓN FIX - ON SERIE VII - HECHO RELEVANTE
Annual Report Classification · 85% confidence The document is titled 'Informe Integral' and contains detailed financial and operational information about Credicuotas Consumo S.A., including financial summaries, credit ratings, governance structure, and performance analysis. It includes comprehensive financial data such as assets, net results, ROAA, ROAE, and detailed commentary on capital structure, liquidity, and risk factors. The document is about 15,000 characters long, indicating it is a full report rather than a brief announcement. There is no indication that this is a regulatory filing, certification, or announcement of a report publication. The content aligns with a detailed credit rating report or an integrated financial and operational report. Given the detailed financial data and analysis, and the nature of the document as a comprehensive report on the company's financial health and credit rating, the best fitting category is an Annual Report (10-K) equivalent or a comprehensive financial report. However, since this is a credit rating report by a rating agency (FIX), and not a company annual report, it does not fit the 10-K category exactly. It is not an audit report or interim report either. The document is a credit rating report, which is a type of financial report but not listed explicitly in the categories. The closest category is Regulatory Filings (RNS) as a fallback for miscellaneous filings that do not fit other categories, but this is a detailed report, not a brief announcement. Given the detailed financial data and analysis, and the nature of the document as a comprehensive financial and operational report, the best fitting category is Annual Report (10-K) with high confidence, as it is the closest match for a full financial performance report, despite being a credit rating report. FY 2023
2024-04-18 Spanish
DIFUSION DESDE: 18-04-2024 - DIFUSION HASTA: 18-04-2024 - SUBASTA DESDE: 19-04-2024 - SUBASTA HASTA: 19-04-2024 - INSTRUMENTO: NEGOTIABLEOBLIGATION - - PROGRAMA: PROGRAMA DE OBLIGACIONES NEGOCIABLES S
Capital/Financing Update Classification · 95% confidence The document is titled 'Aviso de Suscripción' and details the terms and conditions for the subscription of a new series of simple negotiable obligations (debt securities) issued by Credicuotas Consumo S.A. It includes information about the issuer, the offering size, interest rate, maturity, subscription process, and regulatory approvals by the Comisión Nacional de Valores (CNV). The document is an announcement of a capital raising offering, describing the issuance of debt securities and the subscription process to investors. It is not a financial report, earnings release, or management discussion. It is not a proxy, voting result, or AGM material. It is clearly an update on a capital/financing activity by the company. Therefore, the appropriate classification is Capital/Financing Update (CAP). The document length is substantial and contains detailed offering terms, consistent with a capital raising announcement rather than a brief notice or regulatory filing.
2024-04-18 Spanish
FEC. CELEB.: 17-04-2024 - TEMA: EMISIONES DE INSTRUMENTOS (ACCIONES - ON - VCP - FF) - ACTA DE ÓRGANO DE ADMINISTRACIÓN (DIRECTORIO)
Capital/Financing Update Classification · 95% confidence The document is titled 'ACTA DE SUBDELEGADOS' and relates to the approval and terms of issuance of 'Obligaciones Negociables Serie VII' (simple negotiable obligations, i.e., bonds) by Credicuotas Consumo S.A. It details the terms and conditions of the bond issuance, including amounts, interest rates, payment dates, and subscription methods. This is a detailed supplement to a prospectus for a debt issuance program. The content is focused on capital raising through bond issuance and the terms thereof, not on financial results, management changes, or regulatory filings. It is not a full annual or interim report, nor an earnings release or call transcript. It is not a proxy or voting announcement. It is a detailed capital/financing update regarding a bond issuance program and its supplement. Therefore, the appropriate classification is Capital/Financing Update (CAP). The document length (15,000 characters) and detailed terms support this classification with high confidence.
2024-04-18 Spanish
FECHA PUBLIC.: 17-04-2024 - INSTRUMENTO: NEGOTIABLEOBLIGATION - - PROGRAMA: PROGRAMA DE OBLIGACIONES NEGOCIABLES SIMPLES (NO CONVERTIBLES EN ACCIONES) POR HASTA US$100.000.000 - SERIE :ON SERIE VII /
Capital/Financing Update Classification · 95% confidence The document is titled as a "Suplemento de Prospecto" (Supplement to Prospectus) related to a public offering of simple negotiable obligations (debt securities) by Credicuotas Consumo S.A. It details the terms of the issuance, regulatory approvals, and the framework under which the securities will be issued and traded. It references the Comisión Nacional de Valores (CNV) and other regulatory bodies, and discusses the offering program, risk factors, and legal compliance. The document is a detailed supplement to a prospectus for a debt issuance, which is a capital market financing activity. It is not a financial report, earnings release, or management discussion, nor is it a voting result or governance document. It is an update on a capital raising program and issuance terms. Therefore, the document fits best under the category of Capital/Financing Update (CAP). The document length (15,000 characters) and content confirm it is a substantive update, not a brief announcement or regulatory filing.
2024-04-18 Spanish
FEC. CELEB.: 21-11-2023 - TEMA: TEMAS VARIOS - ACTA DE ÓRGANO DE ADMINISTRACIÓN (DIRECTORIO)
Capital/Financing Update Classification · 95% confidence The document is a meeting minute (Acta de Directorio) of the board of directors of Credicuotas Consumo S.A. dated November 21, 2023. It discusses the approval of the application of funds from a bond issuance (Obligaciones Negociables Serie VI) and compliance with regulatory requirements from the Comisión Nacional de Valores (CNV). The content focuses on the board's approval and declaration regarding the use of funds from a financing activity. There are no financial statements or detailed financial performance data presented, nor is this a report or announcement of voting results. The document is a formal board meeting record related to capital/financing activities, specifically the approval of fund application from a bond issuance. Therefore, the most appropriate classification is Capital/Financing Update (CAP). The document length is 4117 characters, which is sufficient for a substantive update rather than a brief announcement or certification.
2024-04-03 Spanish

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