MeDirect: Digital Savings and Investing Platform Excellence Europe 2026
MeDirect merits recognition for disciplined strategic focus and execution that converts challenger intent into measurable customer outcomes, while operating under the heightened expectations that accompany ECB-level supervision. In 2025 it navigated a material ownership transition, completing the acquisition of MDB Group Limited by Banka CREDITAS in September 2025 following ECB approval in August 2025, and secured €40m of new capital invested to date, strengthening capacity to invest without diluting control of the operating model. Governance and resilience were treated as value drivers rather than compliance overheads, with explicit reinforcement of risk, compliance and data governance, alongside continued investment in platform security and fraud prevention. Performance in 2025 demonstrates resilience and managerial candour: a reported loss before tax of €6.3m was transparently linked to deliberate, non-recurring actions, while underlying net operating profit was €0.8m, evidencing a business capable of self-funding once restructuring effects unwind. Balance-sheet quality improved, with NPL ratio reduced to 0.9 percent and Tier 1 capital ratio lifted to 20.8 percent at 31 December 2025, supporting sustainable growth. Crucially for platform excellence, MeDirect paired product economics with scale-building traction, growing its Belgium investing client base 34 percent to 50,000 in 2025, and differentiating through the permanent elimination of brokerage fees on ETF transactions in Belgium from 26 August 2025, a decisive move that sharpened value-for-money and reinforced trust. ESG discipline is evidenced by an EcoVadis Gold Medal in 2025, placing the group in the top 5 percent globally. The Capital Finance International (CFI.co) Judging Panel congratulates MeDirect on winning the Digital Savings and Investing Platform Excellence 2026 Award (Europe).
