Private company

Home Credit

Logo: PPF Group, Public domain, via Wikimedia Commons4

International consumer finance provider

Home Credit B.V. is an international consumer finance company founded in 1997 in the Czech Republic and headquartered in the Netherlands. The company provides installment loans, point-of-sale financing and other consumer credit products, primarily in emerging markets, with a focus on customers with limited credit histories.2 It is part of Home Credit Group.1 Wikipedia text CC BY-SA 4.0

Last updated Oct 20, 2026.

Overview

1997Founded1
  • Industryconsumer credit1
  • HeadquartersAmsterdam1
  • Websitewww.homecredit.net
  • Legal formnaamloze vennootschap1
  • LEI315700300000000006473
  • StatusActive3
  • LEI statusIssued and current3
  • Registered addressZuidplein 168, 1077XV Amsterdam, Netherlands3
  • Registered withThe Netherlands Chamber of Commerce, 341265973

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Home Credit B.V. is an international consumer finance company founded in 1997 in the Czech Republic and headquartered in the Netherlands. The company provides installment loans, point-of-sale financing and other consumer credit products, primarily in emerging markets, with a focus on customers with limited credit histories.2

Corporate structure

Home Credit is part of a group headed by AMALAR HOLDING s.r.o.. 128 entities, 20 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

  • AMALAR HOLDING s.r.o. Praha, Czechia
    • PPF Group 87.75% · Praha, Czechia
      • CETIN Group 100% · Amsterdam, Netherlands
        • CETIN Finco B.V. Subsidiary · 100% · Amsterdam, Netherlands
      • PPF Financial Holdings 100% · Praha, Czechia
        • Home Credit 100% · Amsterdam, Netherlands
          • 4 more
        • Arvum investiční společnost a.s. Subsidiary · 100% · Praha 6, Czechia
        • Yettel Bank a.d. Belgrade Subsidiary · 100% · Beograd, Serbia
      • Škoda a.s. 80% · Praha, Czechia
        • Bammer trade a.s. Subsidiary · 100% · Plzeň, Czechia
        • Skoda Group Components and Systems a.s. (Škoda Group Components and Systems a.s.) Subsidiary · 100% · Plzeň, Czechia
        • SKODA GROUP PILSEN a.s. (ŠKODA GROUP PILSEN a.s.) Subsidiary · 100% · Plzeň, Czechia
      • Central European Media Enterprises Subsidiary · 100% · Prague, Czechia
      • CETIN Subsidiary · 100% · Praha 9, Czechia
      • Škoda Transportation Subsidiary · 100% · Plzeň, Czechia
        • Ekova Electric 100% · Ostrava, Czechia
        • Škoda Electric 100% · Plzeň, Czechia
        • Škoda Pars 100% · Šumperk, Czechia
        • Škoda Vagonka 100% · Ostrava, Czechia
        • Poll Subsidiary · 100% · Praha 5, Czechia
        • Škoda Transtech Subsidiary · 100% · Oulu, Finland
        • Vagonmash Subsidiary · 51% · Saint Petersburg, Russia
        • Rolling Stock Components s.r.o. Subsidiary · 100% · Plzeň, Czechia
        • SKODA CITY SERVICE s.r.o. (ŠKODA CITY SERVICE s.r.o.) Subsidiary · 100% · Plzeň, Czechia
        • SKODA TVC s.r.o. (ŠKODA TVC s.r.o.) Subsidiary · 100% · Plzeň, Czechia
        • ŠKODA CITY SERVICE Subsidiary · 100% · Czechia
        • Škoda Digital Subsidiary · 100% · Czechia
        • ŠKODA TVC Subsidiary · 100% · Czechia
        • Ganz-Skoda Electric Subsidiary · Hungary
        • MOVO Subsidiary · Czechia
      • PPF Banka Subsidiary · 92.96% · Praha 6, Czechia
        • PPF Co3 B.V. Subsidiary · 100% · Amsterdam, Netherlands
      • SCTbio Subsidiary · 92.16% · Prague
      • Air Bank Subsidiary · 88.62% · Praha, Czechia
        • Home Credit 100% · Brno, Czechia
        • AB 4 B.V. Subsidiary · 100% · Amsterdam, Netherlands
        • Home Credit Slovakia, a.s. Subsidiary · Piešťany, Slovakia
      • Home Credit and Finance Bank Subsidiary · 88.62% · Москва, Russia
      • Zonky Subsidiary · 88.62% · Prague, Czech Republic
      • O2 Czech Republic Subsidiary · 83.4% · Praha 4, Czechia
        • Bolt Start Up Development Subsidiary · 100% · Prague, Czech Republic
        • INTENS Corporation Subsidiary · 100% · Prague, Czech Republic
        • Mluvii Subsidiary · 100% · Prague, Czech Republic
        • Nordic Telecom Regional Subsidiary · Czechia
        • Tesco Mobile ČR Subsidiary · Czechia
      • O2 IT Services Subsidiary · 83.4% · Prague, Czech Republic
      • O2 Slovakia Subsidiary · 83.4% · Bratislava
      • LEAG Subsidiary · 50% · Cottbus
        • Lausitz Energie Bergbau Subsidiary · 80% · Germany
        • Lausitz Energie Kraftwerke Subsidiary · 80% · Germany
      • CzechToll Subsidiary · Prague
      • PPF Comco Subsidiary · Amsterdam, Netherlands
      • Sotio Biotech Subsidiary · Prague
      • VITRONIC Machine Vision Subsidiary · Wiesbaden, Germany
      • VÚKV Subsidiary · Praha 5, Stodůlky, Czechia
      • Yettel Bulgaria Subsidiary · Sofia
      • Yettel Hungary Subsidiary · Törökbálint
      • Yettel Serbia Subsidiary · Belgrade
      • Škoda Investment Subsidiary · Praha 6, Czechia
        • ŠKODA SERVIS 100% · Plzeň, Czechia
        • FVE Tuchlovice Subsidiary · 100% · Czechia
      • ClearBank Stake · 36.36% · London, United Kingdom
      • and 38 more
    • BONAK a.s. Subsidiary · 100% · Praha, Czechia
    • Langen Property B.V. Subsidiary · 100% · Amsterdam, Netherlands
    • MATSUBA LIMITED Subsidiary · 100% · Nicosia, Cyprus
    • Monheim Property B.V. Subsidiary · 100% · Amsterdam, Netherlands
    • PPF Real Estate s.r.o. Subsidiary · 100% · Praha 6, Czechia
      • PLAZA DEVELOPMENT SRL Subsidiary · 100% · Bucuresti - Sectorul 1, Romania
    • Trigon Berlin B.V. Subsidiary · 100% · Amsterdam, Netherlands

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries, stakes and holdings from Wikidata (CC0). Each entity in the chart links to its source.

What it owns

What Home Credit reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Stakes and holdings (Wikidata)

Things Wikidata records the company as owning, with the share when stated.1

Subsidiaries and ownership

Parent company

Owners

Subsidiaries

Former owners and parents

  • Home Credit Group 100% until 2023

Ultimate parent

From Wikidata.1 Ownership links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); each one cites its LEI record.

Acquisitions

  1. 2015Acquired Air Bank1

Revenue over time

As stated on Wikidata, in the currency reported.

Net income

Home Credit net income by year1210.0M EUR in 2016
-100.0M EUR0100.0M EUR200.0M EUR300.0M EUR2015: -42.0M EUR-42.0M EUR20152016: 210.0M EUR210.0M EUR2016
  • 2016210.0M EUR1
  • 2015-42.0M EUR1

Former names

  • Home Credit B.V.until 20191

Timeline

  1. 2018Acquired Acquired by Home Credit Group1
  2. Jan 10, 2000Parent Directly consolidated by PPF Financial Holdings3
  3. 1997Founded Founded1

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
  2. 2
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  4. 4