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Delfin Group — Investor Relations & Filings

Ticker · DGR1R ISIN · LV0000101806 LEI · 2138002PKHUJIMVMYB13 Nasdaq Baltic Financial and insurance activities
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Filings indexed 1,666 across all filing types
Latest filing 2018-04-30 Annual Report
Country LV Latvia
Listing Nasdaq Baltic DGR1R

About Delfin Group

https://www.delfingroup.lv/

DelfinGroup is a financial technology company that provides consumer-focused financial and circular retail services. The company's core offerings include consumer loans, pawn loans, and "buy now, pay later" (BNPL) financing. A key part of its business model is the sale of pre-owned goods, promoting a circular economy. DelfinGroup also provides specialized loan products, such as those tailored for senior citizens. Services are delivered through an integrated omnichannel model, combining a network of physical branches with online platforms under its primary brands, Banknote and Vizia.

Recent filings

Filing Released Lang Actions
ExpressCredit_finance_statements_audited_2017_eng.pdf
Annual Report Classification · 100% confidence The document is titled 'ANNUAL ACCOUNTS FOR THE YEAR ENDED 31 DECEMBER 2017' and includes a full set of financial statements (Profit or loss account, Balance sheet, Cash flow statement), management reports, and independent auditor's reports. It is a comprehensive annual financial report for the fiscal year 2017, not an announcement or a summary. Therefore, it is classified as an Annual Report (10-K). FY 2017
2018-04-30 English
ExpressCredit financial results for the year 2017
Earnings Release Classification · 99% confidence The document explicitly states that 'SIA ExpressCredit published audited financial statements for the year 2017' and later confirms, 'SIA ExpressCredit submits audited consolidated and stand alone financial statement of the year 2017.' It also mentions submitting a 'Corporate governance report for year 2017.' Since the text contains detailed financial performance summaries (turnover, profit, portfolio growth) for the full year 2017, it strongly suggests the content is derived from or is the Annual Report (10-K equivalent for non-US filers, but based on the comprehensive nature, it aligns best with the annual reporting structure). However, the document is relatively short (5018 chars) and appears to be a summary or press release announcing the filing of the audited statements and governance report, rather than the full statutory 10-K document itself. The presence of the announcement 'SIA ExpressCredit submits audited consolidated and stand alone financial statement of the year 2017' and the short length suggests it might be a Report Publication Announcement (RPA) or a summary that precedes the full filing. Given that it summarizes the full year's audited results and mentions submitting the audited statements, it is more substantial than a typical RPA. If the full audited statements were attached, it would be 10-K. Since it summarizes the full year's audited results and mentions submitting the audited statements, it functions as the primary annual disclosure. In the context of the provided definitions, a comprehensive annual financial summary, even if presented as a release, is closest to the scope of an Annual Report (10-K) or a very detailed Interim Report (IR) if it were not annual. Since it covers the full year and includes audited statements, 10-K is the most appropriate classification for the underlying information being disclosed, even if this specific text is the announcement wrapper. If the document were significantly shorter and only pointed to the report, RPA would be chosen. Here, it contains substantial financial data and explicitly mentions the audited annual statements. FY 2017
2018-04-30 English
ExpressCredit_finansu_parskati_revideti_2017_lv.pdf
Annual Report Classification · 100% confidence The document is a comprehensive annual financial report for SIA 'ExpressCredit' for the year 2017. It includes a table of contents, management report, balance sheet, income statement, cash flow statement, notes to the financial statements, and an independent auditor's report. This aligns with the definition of an Annual Report (10-K). FY 2017
2018-04-30 Latvian
ExpressCredit_Korporativa_parvaldiba_2017_lv.pdf
Governance Information Classification · 99% confidence The document is titled "# Korporatīvās pārvaldības pārskats 2017" (Corporate Governance Report 2017) and explicitly states it is a "korporatīvās pārvaldības ziņojums par 2017.gadu" (corporate governance report for 2017), prepared based on Latvian legal requirements regarding corporate governance principles. The content details adherence (or non-adherence) to specific governance principles concerning shareholder meetings, the board (Valde), and management structure. This directly aligns with the definition of a Governance Information report, which details internal rules, board structure, and governance practices. Filing Type Code mapping: - AGM-R: No, this is a report on governance, not meeting materials. - 10-K: No, this is a specific governance report, not the full annual financial report. - AR: No, it's not a standalone audit report. - MANG: No, it discusses the board structure but is a comprehensive governance review, not just an announcement of changes. - CT: No, it is not a transcript. - ER: No, it is not an earnings release. - CGR (Governance Information): Yes, the title and content perfectly match the description: "Report detailing the company's internal rules, board structure, and governance practices." Therefore, the classification is CGR.
2018-04-30 Latvian
SIA "ExpressCredit" finanšu rezultāti par 2017. gadu
Earnings Release Classification · 98% confidence The document text explicitly states: "SIA "ExpressCredit" publicē auditētos 2017. gada finanšu pārskatus." (SIA "ExpressCredit" publishes audited 2017 financial statements.) and later confirms: "SIA "ExpressCredit" iesniedz auditēto konsolidēto un mātes sabiedrības 2017. gada pārskatu." (SIA "ExpressCredit" submits the audited consolidated and parent company 2017 report.). It also mentions submitting a Corporate Governance Report. The content details financial performance (revenue, profit, balance sheet items) for the full year 2017, which is characteristic of an Annual Report (10-K equivalent for non-US entities or a comprehensive annual filing). However, the document is relatively short (4861 chars) and appears to be an announcement or summary accompanying the full audited reports, rather than the full statutory 10-K filing itself. The presence of the line "SIA "ExpressCredit" iesniedz Korporatīvās pārvaldības pārskatu par 2017. gadu" (SIA "ExpressCredit" submits the Corporate Governance Report for 2017) suggests it might be a cover letter or announcement for multiple annual filings. Given the detailed financial summary and the mention of 'audited financial statements' for the full year, it strongly relates to the annual reporting cycle. Since it is an announcement/summary of the full annual report and governance report, and not the full statutory report itself, the most appropriate classification based on the provided definitions is either 'AR' (Audit Report/Information) or 'RPA' (Report Publication Announcement). Since it summarizes the full year's audited results and mentions the submission of the annual report, 'AR' (Audit Report / Information) is a strong candidate, as it covers the results of the audit. However, the document structure strongly suggests it is an announcement *about* the filing of the annual report and governance report, fitting the 'RPA' definition better if it's not the full statutory document. Given the explicit mention of submitting the 'audited consolidated and parent company 2017 report' and the inclusion of key financial tables, it functions as the primary disclosure of the annual results. If this were a full 10-K, it would be 10-K. Since it's a summary/announcement of the audited annual report, and 'AR' covers standalone audit reports, I will lean towards 'AR' as it contains the core audited results summary, but acknowledge the RPA possibility. Re-evaluating: The text is a press release summarizing the audited annual results and mentioning the submission of the annual report and governance report. This fits the pattern of an Earnings Release (ER) or a Report Publication Announcement (RPA). Since it covers the *full year* audited results, it is more substantial than a typical ER (which is usually quarterly). The most precise fit for an announcement summarizing the release of the full annual financial statements is often RPA, but 'AR' covers 'Audit Report / Information'. Given the context of submitting the full audited report, 'AR' is chosen as the classification for the information contained, even if presented in an announcement format, as it is the core annual financial disclosure. FY 2017
2018-04-30 Latvian
ExpressCredit_finance_statements_unaudited_2017_Q4_eng.pdf
Audit Report / Information Classification · 98% confidence The document is explicitly titled 'ANNUAL ACCOUNTS FOR THE YEAR ENDED 31 DECEMBER 2017 AND CONSOLIDATED ANNUAL ACCOUNTS FOR THE YEAR ENDED 31 DECEMBER 2017'. It contains a full Table of Contents listing the Profit or loss account, Balance sheet, Comprehensive income statement, and Cash flow statement, all prepared in accordance with IFRS. It also includes a 'Management report' and is signed off by the Board members. This structure is characteristic of a comprehensive annual financial report. Although it is marked '(UNAUDITED)', the scope and content align with the definition of an Annual Report (10-K), which covers full financial performance for the year. Since the provided definitions do not have a specific code for 'Unaudited Annual Accounts', the closest and most appropriate classification for a full-year financial statement package is '10-K'. It is not an Earnings Release (ER) as it is a full set of accounts, not just highlights, and it is not an Interim Report (IR) as it covers the full year ended December 31st. FY 2017
2018-02-27 English

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