Sifted, a Financial Times-backed media outlet focusing on the European startup ecosystem, has released its 2025 selection of the 250 fastest-growing startups in Europe, ranking these companies based on their revenue growth over the past three financial years.

These 250 startups, which span industries including fintech, business-to-business (B2B) software-as-a-service (SaaS) and climate, generated a combined EUR 9.3 billion in revenues over the past three years at an average two-year revenue compound annual growth rate (CAGR) of 226%. Together, they employ nearly 25,000 people, making them significant engines of economic growth.

This year, Sifted 250 reveals a more mature tech ecosystem in Europe. The number of profitable companies in the ranking has risen from 37 in 2024 to 57 in 2025, while the number of startups generating more than US$100 million in annual revenue have leapt from four to 18. Average revenues are also up, rising 48% year-over-year (YoY) from EUR 17.1 million to EUR 25.3 million.

Fintech is leading the 2025 Sifted 250 list, accounting for 31.2% of all the startups featured. The vertical overtakes B2B SaaS, which slipped to second place, followed by climate. Digital banking remains the most represented sector with 15 companies. However, it is insurtech that recorded the biggest gains, adding seven companies compared to last year.

Today, we spotlight the top 10 fintech companies in Europe featured in the Sifted 250 list, looking at those that have recorded the strongest growth over the past three years. We delve into their value propositions, what sets them apart, and what they have in store for the year onwards.

Finmid (Germany) – 582.9%

Ranked eighth in the overall list with a two-year revenue CAGR of 582.9%, Finmid is Berlin-based embedded lending infrastructure provider founded in 2021. The company enables marketplaces and platforms to provide tailored financial services to their clients at the right place and time.

Finmid’s infrastructure is available in 30 European markets, serving over 32 million small and medium-sized enterprises (SMEs) across the region. Since its launch, the platform has facilitated more than EUR 4 billion in capital offers to European SMEs via partners including Wolt, Glovo (Delivery Hero), and Bolt.

Narvi Payments (Finland) – 570.82%

Ranked ninth in the overall list with a two-year revenue CAGR of 570.82%, Narvi Payments is a Finnish regulated Electronic Money Institution (EMI) founded in 2021. The company has built its own core banking technology which allows for better banking experience for users, and relies on an API-first approach to let businesses seamlessly integrate payments.

Narvi Payments’ main offerings include IBAN accounts and international payment solutions via SEPA and SWIFT, primarily catering to business clients across the Nordics, Baltics, and broader European Union (EU) region. Key advantages include fast, paperless onboarding, robust security features, multi-user access, and transparent pricing.

Narvi Payments claims a user base of 1,000-2,000 primarily corporate customers.

Roundtable (France) – 516.44%

Ranked 14th with a two-year revenue CAGR of 516.44%, Roundtable is a French startup founded in 2021 which provides a community-driven investment platform for private assets in Europe. It enables individual investors and business angels to pool together and co-invest in startups or venture capital (VC) deals via simplified legal and financial structures. It also offers “fund-as-a-service” to help angels set up micro-funds more rapidly by handling regulatory, administrative and back-office tasks.

Roundtable manages over EUR million worth of assets, supports 450+ investment clubs, and connects 25,000+ investors from 100+ nationalities, facilitating 750+ deals and 15+ funds ranging from EUR 30,000 to EUR 20 million.

Monument Bank (UK) – 494.27%

Ranked 17th with a two-year revenue CAGR of 494.27%, Monument Bank is a fully regulated UK bank headquartered in London. It serves the mass-affluent market, offering a range of high-yield savings savings products, including Easy Access, Limited Access, Fixed Term Deposits, Notice Accounts and an Easy Access Cash Individual Savings Account (ISA), in addition to innovative wealth-tracking tools and curated lifestyle experiences.

Monument Bank claims over GBP 6 billion in deposits and 86,000 customers. It is eyeing its first full year of profitability in 2026, and says it is about to close its Series C round, which will exceed US$100 million.

Anyday (Denmark) – 444.23%

Ranked 23rd with a two-year revenue CAGR of 444.23%, Anyday is a Danish fintech company founded in 2020 offering buy now, pay later (BNPL) arrangements. Its service allows customers of online stores to split their payments into smaller installments, typically four interest-free installments with no fees, but also six, eight, or ten installments for a small one-time fee.

Anyday is designed to combine seamless checkout experience with transparency and ease of use, offering customers flexibility while providing businesses with higher basket sizes and improved conversion rates.

Since its launch, Anyday has seen impressive growth, attracting over 200,000 Danish users, and 3,000 partnered merchants.

Opti (Sweden) – 443.61%

Ranked 24th with a two-year revenue CAGR of 443.61%, Opti is an automatic savings and investment service designed to give everyone in Sweden access to high-quality wealth management at a low cost. Founded in 2014, the company uses modern financial research to provide broad, globally diversified portfolios matched to each customer’s risk level.

Opti offers several services within savings and investment, including savings accounts, investment savings accounts (ISKs), occupational pension transfers, and capital insurance for companies. The startup claims more than 100,000 customers in Sweden, and over 600,000 downloads.

Indo (Iceland) – 431.28%

Ranked 25th with a two-year revenue CAGR of 431.28%, Indo is an Icelandic neobanking startup. Founded in 2018, the company positions itself as a smaller, more transparent, and environmentally conscious alternative to traditional banks, offering a debit card account, and a simple and convenient app, with no transaction fees, and no monthly or yearly fees on debit cards.

Indo launched to the public in January 2023, and managed to acquire over 32,000 accounts for Icelandic households in the span of just six months.

Flagright (UK) – 347.21%

Ranked 32rd with a two-year revenue CAGR of 347.21%, Flagright is a regtech startup providing artificial intelligence (AI)-native transaction monitoring. Flagright is built as a highly customizable, risk‑based platform which enables financial institutions to centralize detection, investigation, and reporting of suspicious activity, streamlining regulatory workflows and strengthening financial crime controls.

The solution integrates anti-money laundering (AML) screening that links each transaction and entity to global sanctions and watchlists, dynamic risk scoring that embeds behavioral and contextual risk directly into detection logic, and centralized case management that automates alert triage, investigation workflows, and suspicious activity report (SAR) filing. It claims it can reduce false positives by 93%, compliance costs by 80%, and operational errors by 27%.

Flagright serves financial institutions in over 30 countries, helping them manage risk across cards, wallets, transfers, and stablecoin transactions. The company secured US$4.3 million in seed funding in March 2025 to fund international expansion.

Abound (UK) – 331.48%

Ranked 37th with a two-year revenue CAGR of 331.48%, Abound is a London-based fintech offering low-cost, fair and flexible loans between GBP 1,000 to GBP 20,000 for up to 5 years. Abound uses open banking and AI to analyze customers’ bank transactions in real time. This provides a more accurate view of affordability compared to traditional credit scores, which often rely on statistical averages and limited data.

Abound also provides its proprietary lending platform, Render, to companies looking to improve their credit decisioning or looking to launch lending products for the first time.

This year, Abound surpassed GBP 1 billion in total lending volume, less than five years after launching. For the year to February 2025, the company reported GBP 8 million in net profit.

Abound recently raised a new GBP 250 million lending facility from Deutsche Bank. In total, the company has raised over GBP 1.6 billion in debt and equity since launch from investors including Citi, Deutsche Bank, Salica, Informed Ventures, and West Coast Capital.

Chift (Belgium) – 311.83%

Ranked 43rd with a two-year revenue of CAGR of 311.83%, Chift is a Belgian company that simplifies and accelerate software integrations.

Chift provides a powerful, unified API that allows software vendors to connect once and immediately integrate with more than 90 financial tools, including accounting, invoicing, customer relationship management (CRM), e-commerce, point-of-sale (POS), payment, and property management systems across Europe. This allows clients to active complex integration with minimal development and zero ongoing maintenance.

Featured image: Edited by Fintech News Switzerland, based on image by kat_ka via Freepik