Core Insights - Late payments now account for 37% of the payment cycle, indicating that contractual payment terms do not dictate payment timing, but rather how invoices are managed by suppliers [3][5][12] - The Sidetrade Data Lake aggregates data from over 42 million buying companies, representing more than $8 trillion in B2B transactions, providing a comprehensive view of payment behaviors [3][21] - In a volatile macroeconomic environment, B2B payment behavior reflects buyers' efforts to optimize working capital, leading to commercial tensions and cash-flow risks [4][5] Global Payment Behavior - Businesses globally took an average of 51 days to get paid in 2025, with 37% of the days-to-pay cycle occurring after the payment due date [6][5] - The Netherlands sets a global benchmark with an average of 40 days-to-pay, including only 12 days of delay, while India records an average of 77 days-to-pay due to 43 days of delay beyond agreed terms [19] Regional Insights - Europe outperforms the United States in payment discipline, with average delays of 18 days compared to 29 days in the U.S. [9] - In the U.S., the Financial Services, Insurance, and Real Estate sectors experience an average delay of 57 days, while Manufacturing and HR Services have shorter delays of 24 days [7] Industry-Specific Payment Delays - Payment delays vary significantly by industry, with the average payment delay in Germany at 15 days, while France averages 19 days, with variations across sectors [10][11] - The UK averages 21 days of delay, with Life Sciences and Manufacturing being among the slowest [11] Technological Advancements - Sidetrade's AI, Aimie, utilizes a data-driven approach to improve cash collection efficiency, executing over 5.1 million collection actions in 2025 and supporting a 49% increase in cash collection efficiency [18] - The Sidetrade Data Lake continuously captures and standardizes buyer and vendor interactions, enabling reliable domain-specific AI at scale [15][20] Conclusion - The findings highlight that payment delays are structural and exceed statutory limits, impacting cash forecasting and accounts receivable costs [12] - Companies must focus on controlling the Order-to-Cash cycle rather than merely renegotiating commercial terms to address the root causes of payment delays [12][20]

Core Insights - Randstad France has introduced Aimie, the world's first autonomous AI Cash Collection Agent, developed by Sidetrade, to enhance its finance team and optimize cash collection processes [1][3][4] Group 1: Industry Trends - The integration of agentic AI reflects a growing trend among finance organizations to move away from outdated legacy systems, which are increasingly inadequate in a volatile global environment [2] - CFOs are adopting intelligent, autonomous systems like Aimie to redefine operational workflows and improve financial execution [3][5] Group 2: Aimie's Capabilities - Aimie is designed specifically for corporate finance, leveraging Sidetrade's extensive transaction Data Lake of over $8 trillion to provide contextual intelligence in cash collection [4][7] - The AI agent delivers consistent execution aligned with company policies, enhances cash flow, reduces manual workloads, and allows finance teams to focus on higher-value tasks [4][7] Group 3: Competitive Advantage - By adopting agentic AI, Randstad France positions itself among the first companies to gain a structural advantage in financial execution, while competitors who delay may fall behind [5]

Core Insights - Sidetrade reported a gradual recovery in bookings momentum with an Annual Contract Value (ACV) of €3.25 million in Q4 2025, reflecting a 14% year-over-year decline compared to Q4 2024 [6][9] - The company achieved strong revenue growth in 2025, with a 14% increase at constant currency and a 12% increase on a reported basis, driven by a 20% growth in SaaS subscriptions [10][12] - The launch of Sidetrade's autonomous AI Cash Collection Agent, Aimie, is set for commercial release in Q1 2026, with pre-orders secured from four multinational companies [3][19] Financial Performance - For the full year 2025, Sidetrade's ACV bookings totaled €11.04 million, down from €12.73 million in 2024, with a notable improvement in the second half of the year [9][12] - Revenue for 2025 reached €61.4 million, with SaaS subscription revenue at €53.5 million, marking an 18% increase on a reported basis [10][12] - The company experienced organic growth of 10% in 2025, highlighting the resilience of its recurring revenue base amid a challenging macroeconomic environment [12][13] Market Expansion - International markets accounted for 71% of Sidetrade's revenue in 2025, with North America becoming the leading region, contributing 30% of total revenue and experiencing a 25% growth [14][15] - The acquisition of ezyCollect contributed €2.2 million in revenue in Q4 2025, representing 13% of Group revenue for that quarter and serving as a new growth engine in the Asia-Pacific region [15] Technological Advancements - Aimie, the autonomous AI Cash Collection Agent, is designed to operate without human intervention, enabling the qualification of tens of thousands of invoices and reaching thousands of B2B debtors [3][19] - The agentic capabilities of Aimie are expected to reshape the Order-to-Cash cycle, marking a significant technological advancement in the industry [16][17] Certifications and ESG Performance - Sidetrade renewed its ISO 27001 certification and published SOC Type II reports, enhancing its credibility and operational control for enterprise customers [20][21] - The company received recognition for its ESG performance, with a Gold medal from EthiFinance and a top 15% ranking from EcoVadis, reflecting its commitment to sustainability and governance [22][26]

Core Insights - Sidetrade has achieved SOC 1 Type II and SOC 2 Type II reports with an unmodified auditor's opinion, validating its control maturity and data protection practices [1][2] - The company has also completed a full ISO/IEC 27001:2022 recertification, confirming the effectiveness of its Information Security Management System (ISMS) [4][6] SOC Reports and ISO Certification - The SOC reporting framework provides independent assurance on the design and operating effectiveness of controls over time, with Sidetrade's reports confirming that internal controls were suitably designed and operated effectively [2][5] - SOC 1 Type II focuses on controls relevant to customer-facing applications supporting financial processing, while SOC 2 Type II covers controls across people, processes, and technology [8] - The ISO 27001:2022 recertification indicates alignment with international best practices, with no material nonconformities recorded [4][6] Operational Resilience and AI Integration - Sidetrade's successful audits occurred during a period of integration of acquisitions and expansion of its global footprint, demonstrating a level of control maturity capable of absorbing structural and technological changes [3][5] - The company's AI systems, including its agentic AI Aimie, are explicitly included in the scope of its ISO/IEC 27001:2022 certified ISMS [7] Regulatory Preparedness - The audit outcomes support Sidetrade's preparation for emerging regulatory frameworks, such as the EU AI Act, which will impose stricter expectations around risk management and transparency for AI companies [11] - The combination of SOC reports and ISO certification serves as a key trust signal for enterprises evaluating AI vendors in mission-critical financial workflows [11][12] Commitment to Security and Governance - Sidetrade emphasizes that security and compliance are designed as proactive control layers, developed to remain robust as products and market conditions evolve [5][6] - The company positions itself among AI providers that treat security assurance as a continuous operational discipline rather than a marketing milestone [12]

Core Insights - Sidetrade has achieved significant recognition for its ESG performance, receiving a Gold Medal from EthiFinance with a score of 79/100 and a Silver Medal from EcoVadis with a score of 70/100, placing it among the top 15% globally [1][3]. Group 1: ESG Ratings and Performance - Sidetrade's score from EthiFinance improved from 62/100 in 2023 to 73/100 in 2024, and then to 79/100 in 2025, indicating a consistent upward trajectory in ESG performance [1]. - EcoVadis rated Sidetrade in the "Advanced" category, significantly above industry norms where most companies score between 45 and 60/100 [3]. Group 2: Areas of Strength - EthiFinance highlighted Sidetrade's strong performance in human rights, diversity and inclusion, responsible procurement, and transparency in extra-financial reporting [2]. - EcoVadis recognized Sidetrade's advanced management systems in labor and human rights, ethics, and sustainable procurement, reporting no findings in third-party risk and compliance databases [4]. Group 3: Company Overview - Sidetrade is an AI company focused on enhancing enterprise cash flow, utilizing its agentic AI, Aimie, which has been trained on over $7.7 trillion in B2B transactions [6]. - The company operates in 85 countries and employs 450 people across Europe, North America, and Asia-Pacific [6].

Core Points - Sidetrade, a leader in AI-powered Order-to-Cash applications, has announced its financial calendar for 2026 [1][2] - The company analyzes over $7.7 trillion in B2B payment transactions daily, predicting payment behavior for over 41 million companies globally [2] Financial Calendar Summary - Annual Revenue for 2025 will be reported on January 20, 2026, after market close [1] - Annual Results for 2025 will be released on March 31, 2026, after market close [1] - First Quarter Revenue for 2026 is scheduled for April 14, 2026, after market close [1] - Annual Shareholder General Meeting for 2026 will take place on June 18, 2025, at 11:00 am (CEST) [1] - First Half Year Revenue for 2026 will be announced on July 21, 2026, after market close [1] - First Half Year Results for 2026 will be reported on September 22, 2026, after market close [2] - Third Quarter Revenue for 2026 is set for October 20, 2026, after market close [2] - Annual Revenue for 2026 will be disclosed on January 26, 2027, after market close [2] Company Overview - Sidetrade provides an AI-powered Order-to-Cash platform aimed at enhancing cash flow generation and security for companies [2] - The company employs over 450 staff across multiple countries, supporting large enterprises in over 85 countries [2] - Notable clients include AGFA, BMW Financial Services, KPMG, and Siemens [2]

Core Insights - Sidetrade has announced a partnership with NX Partners to enhance CFO capabilities in navigating market volatility through AI-driven solutions [1][4] - The partnership aims to implement Sidetrade's Order-to-Cash platform in the Benelux region and Switzerland, addressing payment punctuality challenges [2][4] Company Overview - Sidetrade is a leader in AI-powered Order-to-Cash applications, utilizing its agentic AI, Aimie, to analyze over $7.7 trillion in B2B payment behaviors [3][4] - NX Partners specializes in treasury management and CFO services, providing financial expertise and implementation support to enhance client performance [6][7] Technology and Implementation - Aimie, Sidetrade's AI, autonomously manages cash collection processes, allowing finance teams to focus on higher-value tasks [3] - The partnership will embed Sidetrade's technology into clients' finance-transformation programs, enhancing agility and control for CFOs [2][4]

Core Insights - Sidetrade has completed the acquisition of ezyCollect, a leading Australian SaaS provider specializing in Order-to-Cash solutions, marking a significant step in its international growth strategy [1][2] Financial Details - The acquisition values ezyCollect at €37.3 million (A$66.5 million), with €34.7 million (A$61.9 million) paid in cash and €2.6 million (A$4.6 million) in Sidetrade shares [2] - Founders of ezyCollect may earn up to €5.6 million (A$10 million) based on the company's Annual Recurring Revenue (ARR) growth through 2028, with an estimated current earnout of €3.3 million (A$6 million) [2] - The acquisition is financed through Sidetrade's cash reserves and a €25 million long-term credit facility at an interest rate of approximately 3.1% [3] Strategic Implications - The acquisition retroactively consolidates as of October 1, 2025, and enhances Sidetrade's mission to democratize its AI platform, Aimie, aimed at improving financial performance for mid-market and large enterprises [4] - Sidetrade plans to align long-term incentives for ezyCollect's key employees through additional share grants as part of an equity plan [3] Company Overview - Sidetrade operates a SaaS platform that analyzes $7.2 trillion worth of B2B payment transactions daily, anticipating customer payment behavior and attrition risk for 40 million buyers globally [5] - The company has a global presence with over 400 employees across Europe, the United States, and Canada, serving clients in more than 85 countries [5]

Core Insights - Sidetrade has signed binding agreements to acquire 100% of ezyCollect, enhancing its global expansion strategy and presence in the Asia-Pacific region [1][19] - The acquisition positions Sidetrade as a leader in Order-to-Cash solutions across three continents, leveraging ezyCollect's established market presence in Australia and New Zealand [2][10] Company Overview - ezyCollect, founded in 2014, specializes in Order-to-Cash solutions for small and mid-sized businesses, managing A$19 billion in B2B receivables with over 1,100 clients [4][26] - ezyCollect has demonstrated strong performance, with clients typically seeing a 40% reduction in late payments and an 80% decrease in bad debt within 90 days [5] Financial Projections - ezyCollect expects revenue of approximately A$14 million (around €8 million) for the 2025 calendar year, reflecting a 28% increase from 2024 [5] - Projected revenue for ezyCollect in 2026 is A$18 million (just over €10 million), indicating a growth rate of 29% [6] Strategic Importance - The acquisition allows Sidetrade to enhance its capabilities in the Asia-Pacific region, which is expected to contribute nearly 13% of the Group's consolidated revenue by 2026 [8] - ezyCollect's integration will enable Sidetrade to offer two complementary O2C solutions, targeting both large enterprises and mid-market companies [14] Technological Advancements - The integration of ezyCollect's payment digitalization module into Sidetrade's platform will enhance its electronic payment capabilities, positioning the company at the forefront of the digital B2B payments revolution [17][18] - Sidetrade's agentic AI, Aimie, will provide ezyCollect customers with enterprise-level capabilities, improving efficiency and cash flow management without increasing headcount [13][14] Acquisition Details - The acquisition is valued at approximately €37 million, marking Sidetrade's largest acquisition to date [19] - The transaction will be financed through a combination of available cash resources and a long-term bank loan facility of €25 million [21]

Core Insights - Sidetrade has released its 2024 CSR Report, emphasizing its commitment to sustainable technology, ethical governance, and inclusive growth [1] - The company achieved a remarkable revenue growth of 26% in 2024 while simultaneously reducing its carbon footprint by 3.3%, showcasing its ambition to decouple business growth from environmental impact [2] Financial Performance - In 2024, Sidetrade reported a revenue growth of 26% [2] - The company analyzes $7.2 trillion worth of B2B payment transactions daily, indicating its significant market presence [6] Environmental Initiatives - Sidetrade launched a digital sobriety program with a virtualization rate of 95.6% and data centers powered by renewable energy [3] - The company's Power Usage Effectiveness is 1.39, which is well below the EU average, setting new benchmarks in the SaaS industry [3] Recognition and Ratings - Sidetrade earned a Platinum Medal from EthiFinance and a Silver Medal from EcoVadis, placing it among the top 15% of rated companies in Europe [4] - These accolades reflect the company's tangible carbon reductions and strong CSR governance [4] Corporate Social Responsibility (CSR) Goals - Sidetrade aligns its roadmap with 10 of the UN's Sustainable Development Goals, focusing on climate action, workplace equity, ethical governance, and digital resilience [5] - The company emphasizes excellence and ambition as key drivers of its CSR journey [5]