TMEDE: EBITDA rises 27.2% in 2025 as equity at €191.5M

In particular, TMEDΕ’s turnover reached €14.78 million, compared with €13.08 million in 2024, representing an increase of 12.98%. Compared with 2023, when turnover stood at €11.98 million, the increase over the three-year period amounts to approximately 23.3%. Performance was driven primarily by guarantee letters, which generated €13.86 million in revenue, up 15.59% year-on-year.

51% EBITDA Growth in Three Years

The increase in operating profitability was even stronger. EBITDA reached €8.58 million, compared with €6.75 million in 2024 and €5.68 million in 2023. On an annual basis, EBITDA increased by 27.2%, while over the three-year period it has risen by approximately 51.18%.

This performance is also reflected in the EBITDA margin, which expanded further to 58.07%, from 51.58% in 2024 and 47.36% in 2023. At the same time, the organisation’s total pre-tax profit, including income from shares, interest and other investments, amounted to €17.81 million, compared with €14.66 million in 2024, representing an increase of 21.5%.

Profit after tax stood at €15.83 million, up from €12.77 million a year earlier, representing an increase of 23.98%. Net worth also strengthened significantly. Equity reached €191.51 million, compared with €152.73 million in 2024, an increase of 25.39%, or approximately €38.8 million.

Strengthening Its Financing Role

Alongside the improvement in its financial performance, TMEDΕ continued in 2025 to expand its role in providing financing tools to technical and engineering companies. In cooperation with the Hellenic Development Bank, the lending programme through the “HDB-TMEDE Guarantee Fund” was extended through the end of 2026.

As part of the programme’s upgrade, the maximum working capital facility available to each eligible beneficiary was increased to €400,000, from €200,000 previously, while TMEDΕ provides banks with a guarantee covering 80% of the financing. As of 31 August 2026, approximately €64 million had been provided to 445 small and medium-sized technical companies.

In the microfinance segment, TMEDE Microfinance Solutions continued to expand, providing loans of up to €25,000 through its digital platform. As of 30 June 2026, approximately €23 million had been disbursed to more than 1,040 professionals, start-ups and small businesses. Another important development was the utilisation of the TEPIX III Microfinance Fund, managed by the Hellenic Development Bank, through the introduction of new financing products.

A New Digital Era with TMEDE Portfolio

As part of its digital transformation, TMEDE Portfolio, a new digital platform for the organisation’s members and borrowers, became operational in 2026. The platform provides 24/7 access to available services, while enabling users to monitor requests electronically, receive personalised updates and obtain a comprehensive overview of their transactions.

At the same time, TMEDΕ maintains specialised group insurance programmes covering professional liability and Life & Health insurance, in cooperation with Allianz and Generali. In the financial sector, TMEDΕ also retains a stake in CrediaBank, which forms part of its strategy to broaden financing opportunities for the technical sector and small and medium-sized enterprises.

ESG Strategy at the Core

Sustainable development has now become a key pillar of TMEDΕ’s strategy, with the organisation structuring its Sustainability Strategy around three areas: “Sustainable TMEDE”, “Sustainable Members” and “Sustainable Projects”.

In the environmental field, an Environmental Management System compliant with ISO 14001:2015 is in place, while initiatives are also being implemented to improve energy efficiency, reduce the organisation’s environmental footprint and strengthen climate resilience.

In terms of corporate governance, TMEDΕ operates certified systems in accordance with ISO 9001, ISO 37001 and ISO 37301, alongside a framework for risk management, internal controls and regulatory compliance.

According to the organisation’s financial-year data, there were no recorded incidents of corruption or bribery, regulatory non-compliance, or loss or breach of personal data.

As part of its efforts to promote sustainable development, TMEDΕ held its 2nd International Conference, “Redefining the Future Horizons – Designing Tomorrow’s Sustainable Strategies,” in December 2025. The conference addressed, among other issues, infrastructure resilience, water scarcity, natural resource management, green development and financing, as well as the adaptation of the production model to new climate and technological conditions.

Konstantinos Makedos, Chairman of the TMEDE Administrative Committee, stated:

“The 2025 financial results confirm the continued strengthening of TMEDΕ’s financial and operational performance. The increase in turnover, the improvement in EBITDA and, above all, the sustained improvement in the EBITDA margin over the past three years reflect the momentum of our activities and the improvement in our operational efficiency.

With a consistent focus on the principles of cost-effectiveness and sustainability, we are expanding our capacity to support the technical sector while strengthening TMEDΕ’s financial foundation. We continue to invest in modern financing and guarantee solutions, empower young professionals and small and medium-sized enterprises, and create meaningful and sustainable value for our members and the wider technical sector.”