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Credito Directo S.A. — Investor Relations & Filings

BYMA Financial and insurance activities
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Filings indexed 660 across all filing types
Latest filing 2025-03-07 Annual Report
Country AR Argentina
Listing BYMA

About Credito Directo S.A.

https://www.directo.com.ar/

Credito Directo S.A., operating as Directo, is a financial technology company specializing in payment solutions and consumer lending. It provides a flexible payment method enabling purchases in installments without requiring a traditional credit card, utilizing debit, digital, or prepaid cards, often with zero interest options. Directo also offers 100% online digital loans, credited rapidly to user accounts. Its services are accessible through an extensive network of over 6,000 affiliated physical and online merchants, simplifying transactions for consumers and expanding financing options for businesses.

Recent filings

Filing Released Lang Actions
NORMA CONTABLE: NIIF - TIPO BALANCE: INDIVIDUAL - PERIODICIDAD: 1 - FECHA CIERRE: 2024-12-31 - ESTADOS CONTABLES - NIIF
Annual Report Classification · 95% confidence The document is titled 'Estados Financieros' (Financial Statements) for the fiscal year ended December 31, 2024, with comparative figures from the previous year. It includes detailed financial statements such as the Statement of Financial Position, Comprehensive Income Statement, Statement of Changes in Equity, Cash Flow Statement, and Notes to the Financial Statements. It also contains auditor reports and fiscal commission reports. The length is substantial (15,000 characters), and the content is the full financial report for the year, not just an announcement or certification. This matches the definition of an Annual Report (10-K) as it covers the full financial performance and company activity for the year. FY 2024
2025-03-07 Spanish
FEC. CELEB.: 05-03-2025 - TEMA: APROBACIÓN DE EECC - ACTA ORGANO DE FISCALIZACIÓN
Audit Report / Information Classification · 95% confidence The document is titled 'Acta de Comisión Fiscalizadora' and contains a detailed report from the Comisión Fiscalizadora (Supervisory Committee) regarding the financial statements of Crédito Directo S.A. for the fiscal year ended December 31, 2024. It includes an opinion on the financial statements, references to the external auditor's report, compliance with auditing standards (NIA), responsibilities of management and the supervisory committee, and legal and regulatory compliance. The document is a formal audit-related report issued by the supervisory committee, which is distinct from the full Annual Report (10-K) but is a standalone audit-related report. It does not appear to be a mere announcement or certification but contains substantive audit opinion and findings. Therefore, it fits the category of an Audit Report / Information (AR). The document length (12,140 characters) supports it being a full report rather than a brief announcement. FY 2024
2025-03-07 Spanish
FEC. CELEB.: 05-03-2025 - TEMA: 5 - ACTA DE ÓRGANO DE ADMINISTRACIÓN (DIRECTORIO)
Management Reports Classification · 85% confidence The document is the minutes (‘Acta de Directorio’) of a Board of Directors meeting where the board approves the annual financial statements and transcribes the ‘Memoria’ – a detailed management narrative discussing the business description, strengths, strategy and outlook. This ‘Memoria’ aligns with a Management Discussion & Analysis (MD&A) style report rather than an announcement or the full annual report itself. The best fit under our definitions is Management Reports (MDA).
2025-03-05 Spanish
RECTIFICATIVA AVISO DE PAGO 3ER SERVICIO - ON CLASE XXVII - AVISO DE PAGO OBLIGACIONES NEGOCIABLES
Regulatory Filings Classification · 60% confidence The document is a rectification notice submitted to the Argentine securities regulator (CNV) regarding the payment of interest and amortization on a series of corporate bonds. It contains no substantive financial report or governance update but rather is a regulatory announcement of payment terms (amount, date, rate) for debt instruments. This does not fit dividend announcements (DIV) or a full report type, nor is it a rate change update per se. It is best classified as a general regulatory filing (RNS).
2025-02-28 Spanish
AVISO DE PAGO 3ER SERVICIO - ON CLASE XXVII - AVISO DE PAGO OBLIGACIONES NEGOCIABLES
Interest Rate Update/Notice Classification · 75% confidence The document is a formal notice to the Comisión Nacional de Valores regarding the upcoming interest coupon payment and amortization for its Class XXVII negotiable obligations. It provides the applicable interest rate, payment date, total interest and principal amounts, and agent of payment. This is not a dividend notice, share issuance, or fundraising announcement, but specifically details the interest rate and servicing of a debt instrument. Under our taxonomy, such notices fall under Interest Rate Update/Notice (IRAT).
2025-02-28 Spanish
FEC. CELEB.: 18-02-2025 - TEMA: 6 - ACTA DE ÓRGANO DE ADMINISTRACIÓN (DIRECTORIO)
Capital/Financing Update Classification · 60% confidence The document is the minutes of a board of directors meeting (Acta de Directorio) where the board unanimously resolved to increase the global issuance program for fiduciary securities from USD30 million to USD100 million and delegated authorities to implement and file the necessary documentation with the CNV and markets. It is an internal board resolution concerning financing and capital structure (Program Global de Valores Fiduciarios). This aligns with the Capital/Financing Update category (CAP).
2025-02-18 Spanish

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