Fintech

Overview

Fintech covers software that delivers or automates financial services, from payments and invoicing to lending, investing and risk work. In Belgium the weight sits on business plumbing rather than on consumer apps, and the structured e-invoicing obligation that started on 1 January 2026 turned a compliance deadline into a market for Belgian companies like Unifiedpost Group, Digiteal and Chift.

Fintech covers companies that use software to deliver or automate financial services: payments, invoicing, accounting, lending, investing, and the compliance work behind them. Twikey in Ghent automates SEPA direct debits for around 2,000 businesses, IbanFirst in Brussels moves cross-border payments and FX for SMEs on EUR 200M of funding, and Unifiedpost Group serves more than 500,000 customers from Brussels.

Stated facts & numbers

• Entities tied to the concept: 73, including 28 companies and 15 people; discussed in 14 videos
• Belgian regulatory driver: Structured electronic invoices mandatory between VAT-liable Belgian businesses since 1 January 2026, exchanged over Peppol
• Global infrastructure based in Belgium: Euroclear (Brussels, founded 1968) and Swift (La Hulpe, founded 1973)
• Largest funding on the list: IbanFirst, EUR 200M raised, EUR 65M revenue in 2024
• Listed company: Unifiedpost Group, on Euronext since 2020, 500,000+ customers in 26 countries
• Largest exit: Ogone acquired by Ingenico for EUR 360M in 2013
• Other exits: Delta to eToro (November 2019), Yuki to Visma (2020), Keytrade Bank to Credit Agricole
• Deloitte Fast 50 2025 fintech entries: POM 490%, Harmoney 373%, Oper Credits 209%, Zapptax 208% revenue growth
• Payment volume proxy: Twikey automates SEPA direct debits for around 2,000 businesses in Europe and the UK
• Regulated by name: Digiteal's payment and e-invoicing platform is certified by the National Bank of Belgium