Stock exchange release, 24 February 2026 at 19:45

The Board of Directors of Toivo Group Plc (“Toivo” or the “Company”) has decided to set the objective of gradually repaying the capital loans recorded in the Company’s balance sheet during the years 2026–2028.

The purpose of the repayment of the capital loans is to enhance the efficiency of the Company’s capital structure, reduce financing costs, and improve return on equity. In doing so, the Company will take into account not only the conditions for the repayment of capital loans under Chapter 12 of the Finnish Companies Act, but also the Company’s liquidity, financial position, capital requirements of the business, and dividend‑paying capacity.

Gradual repayment of the capital loans may be possible because, if successful, the Company’s current strategy binds less capital than before and/or releases capital without compromising profitability. At the end of the financial year 2025, the amount of capital loans totalled approximately EUR 16.8 million, and they formed part of the Group’s equity, which increased by approximately EUR 4.0 million during the financial year 2025. Correspondingly, the Group’s cash and cash equivalents amounted to approximately EUR 13.2 million at the end of the financial year 2025, excluding available operational credit facilities.

Toivo Group Plc
Board of Directors

Further information
Markus Myllymäki
CEO
Toivo Group Plc
Tel. +358 (0)40 847 6206
markus.myllymaki@toivo.fi

About Toivo

Toivo is a Finnish real estate company founded in 2015, specializing in residential and social infrastructure properties. The company’s business model is unique as it integrates the entire real estate value chain—from property development and construction to ownership, management, leasing, and sales of completed properties. Toivo’s in-house team manages the full lifecycle of a property, from raw land acquisition to lease negotiations and property maintenance.

Toivo’s strategy is to develop clear and efficient properties with strong development margins, stable and attractive returns, and excellent locations. This enables the company to deliver maximum added value to its customers, owners, and stakeholders. Toivo is backed by a skilled and experienced team of professionals with strong credentials in the real estate sector. The team members have collectively been involved in the development and construction of over 17,000 apartments and have an average of ten years of experience in the industry.

In 2024, Toivo’s revenue was EUR 39.8 million and operating profit EUR 4.5 million