JCURVE SOLUTIONS LTD — AGM Information 2025

Nov 19, 2025

Annual General Meeting

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Jcurve Solutions Limited (ASX: JCS)

Chris King

CEO

20[th] November 2025

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This presentation has been authorised for release by the Board of Jcurve Solutions Limited.

Disclaimer

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The information outlined in this investor presentation (“Presentation”) has been prepared by Jcurve Solutions Limited (“the Company”) and is delivered for informational purposes only.

The Company has prepared the Presentation Materials based on information available to it at the time of preparation. No attempt has been made to independently verify the information contained in this Presentation. The Presentation does not purport to contain all information that a prospective investor may require. While the information contained herein has been prepared in good faith, neither the Company nor its shareholders, directors, officers, agents, employees, or advisors give, has given or has the authority to give, any representations or warranties (express or implied) as to, or in relation to, the accuracy, reliability or completeness of the information in this Presentation, or any revision thereof, or of any other written or oral information made or to be made available to any interested party or its advisors (all such information being referred to as “information”) and liability therefore is expressively disclaimed.

Accordingly, neither the Company nor any of its shareholders, directors, officers, agents, employees or advisors take any responsibility for, or will accept any liability whether direct or indirect, express or implied, contractual, tortuous, statutory or otherwise, in respect of the accuracy or completeness of the information or for any of the opinions contained herein or for any errors, omissions or misstatements or for any loss howsoever arising from the use of this Presentation.

In furnishing this Presentation, the Company does not undertake or agree to any obligation to provide the recipient with access to any additional information or to update this Presentation or to correct any inaccuracies in, or omissions from, this Presentation which may become apparent.

This Presentation should not be considered as the giving of investment advice or recommendations by the Company or any of its shareholders, directors, officers, agents, employees or advisors. Each party to whom this Presentation is made available must make its own independent assessment of the Company after making such investigations and taking such advice as may be deemed necessary. In particular, estimates or projections or opinions contained herein necessarily involve significant elements of subjective judgement, analysis and assumption and each recipient should satisfy itself in relation to such matters.

This Presentation may contain “forward looking statements”. Where the Company expresses or implies an extension or belief as to future events or results such expectation or belief is expressed in good faith and believed to have reasonable basis. However, “forward looking statements” are subject to risks, uncertainties and other factors, which could cause actual results to differ materially from future results expressed, projected or implied by such “forward looking statements”. The Company does not undertake any obligation to release publicly any revisions to any “forward looking statement” to reflect events or circumstances after the date of this Presentation or to reflect the occurrence of unanticipated events, except as may be required under applicable laws.

All forward-looking statements, forecasts and projections contained in this Presentation are qualified by the foregoing cautionary statements. Recipients are cautioned that forward looking statements are not guarantees of future performance and accordingly recipients are cautioned not to put undue reliance on forward looking statements due to the inherent uncertainty therein.

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➢

➢ FY25 Results & Review ➢ FY26 Strategy and Business Model ➢ Strategic Initiatives ➢ FY26 Update & Outlook ➢ Questions

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FY25

Results & Review

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FY25 Financial Results

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Good progress from FY24 > FY25 as we continued with our ‘Let’s Grow’ transformation. Balancing the need to manage costs and cash whilst maintaining our growth capability

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$24.4M $39.1k 628
Ann. Contract ACV / Customers
Value (ACV) Customer
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$8.3M
$11.3M -$0.38M
Operating
Revenue Operating Loss
Expenses
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Review Of Priorities & Objectives Priorities & Activities from AGM November 2024

PRIORITY

ACTIVITY

OBJECTIVE FY25 RESULT

Business Unit Profitability	Services 30% Margin Jcurve Product Margins Country / BU Profitability Non-BU / Group Efficiencies Revenue (Not Cost) Focused 5% Operating Profit $258k = 2.28% (Normalised)
CustomerX TeamX Customer Acquisition	Always On Customer Feedback TeamX Programs CustomerX Programs ‘Let’s Grow’ Culture 2x Customer Acquisition 5x Lead Generation From Marketing Sales & Marketing H/C Community & Thought Leadership +100% improvement In Cx & Ex (NPS) +100% yr>yr New Customers +50% +50%
Portfolio Management	30% Reseller Margin Grow Av. ACV / Customer Jcurve Products 50% ARR Contribution Cust. Dev. as a Profit Centre +10% Margin +$5k ACV / Cust +5% Margin +$5,767 ACV / Cust
2023 AGM Presentation

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CEO RATING

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Current Horizon of ‘Let’s Grow’ is Complete Transformed to prepare us for the next phase of our growth

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FY24 FY25
Sales Annual Contract Value (ACV)
Revenue Customers Annual Recurring Revenue (ARR)
Services heavy Customer acquisition
Group profitability Bus. unit & product profitability
Inward looking Stakeholder Centric
Employee biased Team Shareholder value
2023 AGM Presentation |
Unprofitable programs Optimised for profit
Partners
Shareholders
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FY26

Strategy & Business Model

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What PROBLEMS do we solve?

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“I am a growing business that “I need to replace legacy
needs more capability than products and services that are
just accounting software” slowing me down or costing too
much”
20 – 200
Employees
“I have too many apps that do “I need to start preparing for
not share the same source of and integrating AI into my
“I need a partner to help me with
truth. I need a fully business. I know what I have is
my business transformation to
integrated suite” unlikely fit for purpose”
unlock my growth”
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What do our Customers NEED?

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Upgrade my Help me move off
Accounting my legacy systems
to ERP ERP+ Simple, Value and services
Single Data Source based
AI Ready Services
Help me
Consolidate my
Execute my
Cloud Apps A partner that’s
AI Strategy
Understands my
journey
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WHAT is the GROWTH Opportunity?

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15%+ MACRO
ECONOMIC
CAGR Cloud
conditions
ERP
for SME’s will improve
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AI Forcing Factor

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2023 AGM Presentation |
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Source:

What are the BUSINESS drivers?

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A Fragmented Application Strategy & AI are NOT COMPATIBLE .

ERP and AI have similar business drivers which are aligning to accelerate our growth

• ✓ Operational Efficiency and Cost Savings

• ✓ Competitive Edge and Market Pressure

• ✓ Enhanced Customer Experience and Revenue Growth

• ✓ Accessibility and Lower Barriers to Entry

• 2023 AGM Presentation | ✓ Workforce Augmentation and Growth Opportunities

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Source:

STRATEGY

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CUSTOMERS
INDUSTRIES
eCom SERVICES Wholesale
Tech Svcs Consulting
Retail ACCELERATORS Manuf.
Support Mgd Svc
CX TEAM TeamX
Tech.
Services
ERP
Innovation Trust Partnership Success Partners
VALUES Expense
Mgmt
CRM
Capital Leadership
Apps FSM
PRODUCTS
MARKETS
PARTNERS
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Strategic Initiatives

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Jcurve ERP for the ANZ Market

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Vendor	Estimated SME Market Share AU 2025	Notes
Xero MYOB NetSuite	20-25% 15-20% 3-5%	Small business leader, strong local compliance. Popular for cloud-based SME solutions Strong in mid-sized SMEs

Factors Influencing NetSuite’s SME Share…..

Strengths:

Acquire 100’s of customers by making ERP simple, fast and cost effective

Jcurve has a globally exclusive license to resell into the ANZ market small business editions of NetSuite ERP known as; Jcurve GO, Jcurve GROW & Jcurve PRO. See diagram above for market fit.

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Oracle AI is an
accelerator
Simple, automated
and cost-effective
implementation
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NetSuite’s integrated cloud platform (ERP, CRM, e-commerce) appeals to mid-sized SMEs needing scalability. Its 2024 AI enhancements and global brand (via Oracle) strengthen its position for businesses with international ambitions.

Challenges:

High implementation costs and complexity make NetSuite less attractive for micro and small SMEs (<50 employees), where Xero and MYOB dominate with lower-cost, Australiaspecific solutions. NetSuite’s focus on mid-market firms limits its share in the broader SME segment.

These products directly address the strengths, challenges and potential of the

NetSuite ecosystem in equal measure and Jcurve is the only company that has the products and knowhow to take advantage of this unique and material opportunity.

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Ideal for smaller
growing businesses
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Growth Potential:

With Australia’s cloud ERP adoption rising (40% by 2028, per industry forecasts), NetSuite could increase its SME share to 5-7% by 2030 if it enhances affordability or targets smaller firms more aggressively.

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Source:

Field Service Management

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12
$200k
Customers
Live ARR
13.5k Jobs in Oct
5
Fully Integrated
Existing Customers ERP
in FY26
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Product maturity helping us win against well known (ServiceM8) and Tier 1 (Oracle) competitors

Cross selling to existing ERP customers strategy gaining momentum.2023 AGM Presentation |

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25
Customers
$400k
ARR
Focus for Next Horizon
to increase JARR
Contribution
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Our next ‘Let’s Grow’ Horizon

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“100 New Customers”

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20 – 200 Employees

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Total Addressable Market 150,000 30,000 50,000 20,000

Serviceable Addressable Market 15,000 3,000 5,000 2,000

TARGET 60 15 15 10

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Estimates based on working and operational knowledge of the region and performance of Jcurve and other market participants. Total Addressable Market (TAM) – maximum number of potential customers. Serviceable Addressable Market (SAM) – our target segments within the TAM. Serviceable Obtainable Market (SOM) – target customer acquisition

FY26

Business Update & Outlook

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Q1FY26 Key Performance Indicators Unaudited

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Focus on Customer Acquisition

Unusually high churn due to economic conditions

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Q1FY26 Key Performance Indicators

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2023 AGM Presentation |
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Outlook

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‘Product Companies’
Horizon 2
Business Acquisition
(FY27/28)
”Share of wallet”
‘Jcurve Lookalikes’
Business Acquisition
”Faster to 1000”
Horizon 1
Next 100 Customers
(FY26/27)
“Scale the business” 1000 Customers
“Scale the business”
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Shareholder Value

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Questions.

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Thank you.

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