Announcement • Mar 05
Credit Clear Limited (ASX:CCR) announces an Equity Buyback. Credit Clear Limited (ASX:CCR) announces a share repurchase program. Under the program, the company will repurchase up to 52,140,620 shares for $0.5 million. The repurchase program will be valid September 14, 2026. As of March 4, 2026, the company had 521,406,201 shares in issue. Announcement • Feb 17
Credit Clear Limited to Report First Half, 2026 Results on Feb 26, 2026 Credit Clear Limited announced that they will report first half, 2026 results on Feb 26, 2026 Announcement • Feb 05
Credit Clear Limited (ASX:CCR) completed the acquisition of illion Digital Tech Solutions Holdings Limited from Experian New Zealand Limited. Credit Clear Limited (ASX:CCR) entered into a Sale and Purchase Agreement to acquire illion Digital Tech Solutions Holdings Limited from Experian New Zealand Limited for AUD 7.7 million on December 18, 2025. A cash consideration of AUD 7.7 million will be paid by Credit Clear Limited. As part of consideration, AUD 7.7 million is paid towards common equity of illion Digital Tech Solutions Holdings Limited. The Acquisition consideration of AUD 7.7 million will be paid in a single upfront all-cash payment funded from the Company’s existing cash reserves.
There are no other material conditions that need to be satisfied prior to completion. The Acquisition is expected to be completed on or around January 1, 2026. illion Digital Tech Solutions Holdings Limited is expected to be earnings accretive in its first full financial year of ownership.
Credit Clear Limited (ASX:CCR) completed the acquisition of illion Digital Tech Solutions Holdings Limited from Experian New Zealand Limited on February 3, 2026. Announcement • Dec 19
Credit Clear Limited (ASX:CCR) entered into a Sale and Purchase Agreement to acquire illion Digital Tech Solutions Holdings Limited from Experian New Zealand Limited for AUD 7.7 million. Credit Clear Limited (ASX:CCR) entered into a Sale and Purchase Agreement to acquire illion Digital Tech Solutions Holdings Limited from Experian New Zealand Limited for AUD 7.7 million on December 18, 2025. A cash consideration of AUD 7.7 million will be paid by Credit Clear Limited. As part of consideration, AUD 7.7 million is paid towards common equity of illion Digital Tech Solutions Holdings Limited. The Acquisition consideration of AUD 7.7 million will be paid in a single upfront all-cash payment funded from the Company’s existing cash reserves.
There are no other material conditions that need to be satisfied prior to completion. The Acquisition is expected to be completed on or around January 1, 2026. illion Digital Tech Solutions Holdings Limited is expected to be earnings accretive in its first full financial year of ownership. Announcement • Oct 23
Credit Clear Limited (ASX:CCR) agreed to acquire Arc (Europe) Limited for AUD 10.9 million. Credit Clear Limited (ASX:CCR) entered into a binding agreement to acquire Arc (Europe) Limited for AUD 10.9 million on October 22, 2025. A cash consideration of AUD 8.6 million will be paid by Credit Clear Limited. The consideration consists of common equity of Credit Clear Limited having a value of AUD 2.3 million to be issued for common equity of Arc (Europe) Limited. As part of consideration, AUD 10.9 million is paid towards common equity of Arc (Europe) Limited. The transaction will be financed through placement of AUD 8.6 million.
ARC’s co-founders intend to continue in their existing roles to assist with the successful integration of ARC and Credit Clear.
For the period ending March 31, 2025, Arc (Europe) Limited reported total revenue of AUD 8.8 million and EBITDA of AUD 1.24 million.
Completion of the Acquisition remains subject to approval from the UK Financial Conduct Authority (FCA), which is a UK regulatory requirement. This FCA approval is anticipated to be received within 60 days, with completion to occur immediately thereafter. The expected completion of the transaction is December 20, 2025.
ARC expected to be earnings and EPS accretive in its first year of ownership. Announcement • Sep 27
Credit Clear Limited, Annual General Meeting, Nov 25, 2025 Credit Clear Limited, Annual General Meeting, Nov 25, 2025. Reported Earnings • Aug 22
Full year 2025 earnings released: EPS: AU$0.008 (vs AU$0.011 loss in FY 2024) Full year 2025 results: EPS: AU$0.008 (up from AU$0.011 loss in FY 2024). Revenue: AU$47.0m (up 11% from FY 2024). Net income: AU$3.55m (up AU$8.04m from FY 2024). Profit margin: 7.6% (up from net loss in FY 2024). The move to profitability was primarily driven by higher revenue. Revenue is forecast to grow 10% p.a. on average during the next 3 years, compared to a 17% growth forecast for the Software industry in Australia. Board Change • Aug 18
Less than half of directors are independent Following the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Chairman Paul Dwyer was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Announcement • Jul 22
Credit Clear Limited to Report Fiscal Year 2025 Results on Aug 22, 2025 Credit Clear Limited announced that they will report fiscal year 2025 results on Aug 22, 2025 Board Change • Feb 04
Less than half of directors are independent Following the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Chairman Paul Dwyer was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Board Change • Dec 24
Less than half of directors are independent There are 4 new directors who have joined the board in the last 3 years. Of these new board members, 2 were independent directors. The company's board is composed of: 4 new directors. 1 experienced director. No highly experienced directors. 2 independent directors (3 non-independent directors). Non-Executive Director Hugh Robertson is the most experienced director on the board, commencing their role in 2021. Independent Chairman Paul Dwyer was the last independent director to join the board, commencing their role in 2022. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of experienced directors. Recent Insider Transactions • Oct 23
Independent Chairman recently bought AU$669k worth of stock On the 22nd of October, Paul Dwyer bought around 2m shares on-market at roughly AU$0.32 per share. This transaction amounted to 34% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth AU$1.2m. This was Paul's only on-market trade for the last 12 months. Announcement • Oct 22
Credit Clear Limited, Annual General Meeting, Nov 22, 2024 Credit Clear Limited, Annual General Meeting, Nov 22, 2024. Location: at the office of arma, building 11, 41-43 bourke road, alexandria, nsw., Australia Recent Insider Transactions • Sep 03
Non-Executive Director recently bought AU$106k worth of stock On the 30th of August, Hugh Robertson bought around 357k shares on-market at roughly AU$0.30 per share. This transaction amounted to 5.0% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth AU$1.2m. Insiders have collectively bought AU$2.1m more in shares than they have sold in the last 12 months. Reported Earnings • Aug 28
Full year 2024 earnings released Full year 2024 results: Revenue: AU$42.2m (up 18% from FY 2023). Net loss: AU$4.50m (loss narrowed 59% from FY 2023). Revenue is forecast to grow 13% p.a. on average during the next 3 years, compared to a 15% growth forecast for the Software industry in Australia. Announcement • Aug 22
Credit Clear Limited Appoints Jodie Bedoya as Non-Executive Director, Effective from 1 September 2024 Credit Clear Limited announced the appointment of Ms. Jodie Bedoya as a non-executive Director of the Company effective from 1 September 2024. Jodie is a leading industry expert in debt resolution with over 25 years of experience. She is the founder and director of eMatrix. With a background in finance, she has held key executive roles, including as Chief Executive Officer of Recoveries Corporation Limited, which she attained at the age of 34. As one of Australia's leading experts in strategies for building organisational capability in collections, hardship, and vulnerability, Jodie has collaborated with leading banks, energy retailers, government, and commercial clients. Jodie is also a highly sought-after speaker and thought leader, frequently presenting at major industry conferences and workshops, such as the Australian Institute of Credit Management, Auscontact, Essential Services Commission, water industry groups and various debt-related and local government events. Announcement • Aug 20
Credit Clear Limited to Report Fiscal Year 2024 Results on Aug 28, 2024 Credit Clear Limited announced that they will report fiscal year 2024 results on Aug 28, 2024 New Risk • Nov 10
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Australian stocks, typically moving 12% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 27% per year over the past 5 years. Minor Risks Share price has been volatile over the past 3 months (12% average weekly change). Shareholders have been diluted in the past year (12% increase in shares outstanding). Market cap is less than US$100m (AU$74.3m market cap, or US$47.3m). Announcement • Nov 04
Credit Clear Limited (ASX:CCR) entered into a binding agreement to acquire DRA Group for AUD 1.5 million. Credit Clear Limited (ASX:CCR) entered into a binding agreement to acquire DRA Group for AUD 1.5 million on November 3, 2023. The consideration is payable in a 60/40 cash/scrip ratio and will be funded through the Credit Clear’s existing cash reserves and available placement capacity. The key persons of DRA will be retained. DRA generated AUD 2.1 million in revenue in FY23. The transaction is expected to complete within 30 days from the exchange of binding contracts. The transaction is expected to be immediately cash and earnings accretive. Announcement • Sep 28
Credit Clear Limited, Annual General Meeting, Nov 23, 2023 Credit Clear Limited, Annual General Meeting, Nov 23, 2023. Reported Earnings • Sep 01
Full year 2023 earnings released: EPS: AU$0 (vs AU$0.046 loss in FY 2022) Full year 2023 results: EPS: AU$0 (improved from AU$0.046 loss in FY 2022). Revenue: AU$36.0m (up 68% from FY 2022). Net loss: AU$11.1m (loss narrowed 12% from FY 2022). New Risk • Aug 30
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2022. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 32% per year over the past 5 years. Minor Risks Latest financial reports are more than 6 months old (reported December 2022 fiscal period end). Shareholders have been diluted in the past year (12% increase in shares outstanding). Market cap is less than US$100m (AU$86.6m market cap, or US$56.3m). Board Change • Mar 31
No independent directors There are 4 new directors who have joined the board in the last 3 years. Of these new board members, none were independent directors. The company's board is composed of: 4 new directors. 1 experienced director. No highly experienced directors. No independent directors (5 non-independent directors). Non-Executive Director Hugh Robertson is the most experienced director on the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of independent directors. Lack of experienced directors. 
