Valued at RON12.3 million (approximately EUR2.4 million) and maturing in 2032, this new funding round strengthens the group’s mission to advance digitalization and facilitate easier access to capital for Romanian entrepreneurs.
The OMRO32 bonds have a nominal value of RON100 and carry a variable annual interest rate, composed of the National Bank of Romania’s monetary policy rate plus a fixed margin of 5.5%, with interest paid semi-annually.
OMRO’s bond market journey began in 2020 with its first issue, OMRO25E (EUR2 million), which matured this year. The second issue, OMRO26, worth RON10 million, will mature in 2027. A third issue, OMRO29E, valued at EUR1.56 million, was listed earlier 2025 and matures in 2029. Altogether, OMRO has issued bonds worth EUR8 million since 2020.
“The listing of our fourth bond issue reaffirms investors’ confidence in our vision and in the strength of Romanian entrepreneurship. We are committed to building a financial and technological ecosystem that not only provides access to capital but also delivers smart, sustainable growth tools. Even in a complex economic environment, our mission remains clear: to be a reliable partner for Romanian entrepreneurs by offering efficient, fully digital solutions. This issue is more than just financing — it is a strategic step toward a more resilient and agile entrepreneurial economy. With each bond issue, OMRO demonstrates a sound and sustainable financing approach, reinforcing its position on the Romanian capital market,” stated Georgiana Andrei, CEO of OMRO, part of the Filbo fintech group.
“Romanian companies are increasingly turning to the capital market for financing, and often do so on a recurring basis to support their expansion plans. We welcome OMRO IFN’s return with a fourth bond issue on the MTS — its second this year. By facilitating microcredit for small businesses, OMRO plays an important role in developing the local economy and also contributes to deepening Romania’s capital market,” said Remus Vulpescu, General Manager of the Bucharest Stock Exchange.
The admission to trading was brokered by BRK Financial Group, which acted as the Authorized Consultant. The private offering was exclusively targeted at qualified investors, with four professional clients of BRK Financial Group subscribing.
“We are honored to support OMRO for the fourth time in a strategically important phase, structuring a transaction tailored to today’s market conditions. In a financing landscape where entrepreneurial companies face increasing hurdles, the success of this private placement—raising over RON 10 million—highlights strong investor interest in attractive-yield instruments. The structure—7-year maturity, interest tied to the central bank rate plus 5.5% margin, and progressive subscription discounts—proved crucial in attracting capital and signals market appetite for innovative funding solutions,” stated Monica Ivan, CEO of BRK Financial Group.
In 2024, the National Bank of Romania granted an e-money license to Filbo Pay S.A., the fourth such license ever issued and the first in the past six years. One year later, Filbo launched a current account service, furthering its strategy to provide fully digital, integrated financial services to entrepreneurs. Today, Filbo users can open current accounts directly via its mobile app on Google Play and App Store, enabling fast, simplified access to modern banking services designed for small businesses.
According to the offering memorandum, OMRO—which powers microcredit services through the 100% digital Filbo platform—secured approximately EUR 10 million in financing last year, reinforcing partnerships with Banca Transilvania, BNP Paribas, First Bank, and CEC Bank. By the end of 2024, OMRO’s loan portfolio had reached approximately RON 80 million—five times more than in 2019. For 2025, the company targets a loan volume increase of over 30%, leveraging all distribution channels: digital, partnerships, and consultant-led sales. The key focus remains on supporting small business microfinancing and sustainable institutional growth.