Entry into a Lending-Based Crowdfunding Comparison Service
First written in FY2019. 8 of 18 entries say "Advanced", first in FY2020. Latest entry: FY2025.
The whole theme swung hardest in 2022: 1 of 7 companies on the "Worse" side.
8 other companies' latest entry also says "Advanced".
- FY2025AdvancedAnnual report
「Financial transactions grew steadily, centered on fund formation, including lending-based and equity crowdfunding operated by Group companies. As a result, revenue was ¥1,888.941 million, up 52.1% from the previous consolidated fiscal year, and the operating result was an operating loss of ¥20.989 million, compared with an operating profit of ¥12.596 million in the previous consolidated fiscal year.」
Financial transactions expanded, centered on fund formation including lending-based and equity crowdfunding, and revenue from the fintech transaction business increased 52.1%. However, the operating profit turned into an operating loss. - FY2024-Q3AdvancedAnnual report
「Closed deals continued at a steady pace in lending-based crowdfunding. Financial instrument intermediary and insurance agency businesses also grew steadily, led mainly by ZUU Wealth Management Co., Ltd., which became a consolidated subsidiary in the previous consolidated fiscal year. Meanwhile, the number of equity crowdfunding deals remained sluggish, so costs continued to precede revenue. Although large orders were received for PDCA-related services (Note), the number of new orders remained sluggish. As a result, revenue was ¥825.003 million, up 31.7% year on year, and the operating loss was ¥71.608 million, compared with an operating loss of ¥166.589 million in the same period of the previous year. At a meeting held on 25 January 2024, our Board of Directors resolved to establish a private loan fund (the “Fund”) through COOL SERVICES Co., Ltd. and COOL Co., Ltd., both members of our Group. The Fund will be established to provide investors with additional investment opportunities and create new funding opportunities for borrowers. Total offering amount ¥1.5 billion (30 units) Investment period 6 February 2024–6 February 2025」
Revenue from the fintech transaction business increased 31.7% year on year, while the operating loss narrowed from ¥166.589 million to ¥71.608 million. Lending-based crowdfunding and the financial instrument intermediary and insurance agency businesses were described as performing steadily, while the number of equity crowdfunding deals and new orders for PDCA-related services remained sluggish. In addition, the company resolved to establish a private loan fund, with a total offering amount of ¥1.5 billion and an investment period from 6 February 2024 to 6 February 2025. - FY2024-Q2Higher revenue, wider operating lossAnnual report
「Closed deals continued at a steady pace in lending-based crowdfunding. Financial instrument intermediary and insurance agency businesses also grew steadily, led mainly by ZUU Wealth Management Co., Ltd., which became a consolidated subsidiary in the previous consolidated fiscal year. Meanwhile, the number of equity crowdfunding deals remained sluggish, so costs continued to precede revenue. Although large orders were received for PDCA-related services (Note), the number of new orders remained sluggish. As a result, revenue was ¥502.861 million, up 9.1% year on year, and the operating loss was ¥111.562 million, compared with an operating loss of ¥107.503 million in the same period of the previous year.」
Lending-based crowdfunding and the financial instrument intermediary and insurance agency businesses grew, while the number of equity crowdfunding deals and new orders for PDCA-related services remained sluggish. The transaction business reported higher revenue, but the operating loss widened from the same period of the previous year. - FY2024-Q1Financial instrument intermediary and insurance agency businesses grew, while equity crowdfunding deals and new orders remained sluggishAnnual report
「Closed deals continued at a steady pace in lending-based crowdfunding. Financial instrument intermediary and insurance agency businesses also grew steadily, led mainly by ZUU Wealth Management Co., Ltd., which became a consolidated subsidiary in the previous consolidated fiscal year. Meanwhile, the number of equity crowdfunding deals remained sluggish, so costs continued to precede revenue. Although large orders were received for PDCA-related services (Note), the number of new orders remained sluggish. As a result, revenue was ¥232.859 million, up 14.4% from the same period of the previous year, and the operating loss was ¥71.506 million, compared with an operating loss of ¥80.893 million in the same period of the previous year.」
Lending-based crowdfunding and the financial instrument intermediary and insurance agency businesses grew, while the number of equity crowdfunding deals and new orders for PDCA-related services remained sluggish. - FY2023AdvancedAnnual report
「During the consolidated fiscal year under review, closed deals continued at a steady pace in lending-based crowdfunding, but the number of equity crowdfunding deals remained sluggish. As a result, costs continued to precede revenue, with revenue of ¥96.595 million, up 24.0% from the previous consolidated fiscal year, and an operating loss of ¥112.138 million, compared with an operating loss of ¥196.421 million in the previous consolidated fiscal year.」
The crowdfunding business reported full-year revenue of ¥96.595 million, up 24.0% year on year, and the operating loss narrowed. However, the sluggish number of equity crowdfunding deals and the tendency for costs to precede revenue continued. - FY2023-Q3Revenue increased and the operating loss narrowed, but equity crowdfunding deals stagnated and costs preceded revenueAnnual report
「During the nine months ended December 31, 2025, closed deals continued at a steady pace in lending-based crowdfunding, but the number of equity crowdfunding deals remained sluggish. As a result, costs continued to precede revenue, with revenue of ¥81.262 million, up 54.2% year on year, and an operating loss of ¥82.743 million, compared with an operating loss of ¥135.534 million in the same period of the previous year.」
Closed deals continued at a steady pace in lending-based crowdfunding, and crowdfunding business revenue was ¥81.262 million, up 54.2% year on year. In equity crowdfunding, the number of deals remained sluggish and costs continued to precede revenue, while the operating loss narrowed from the same period of the previous year. - FY2023-Q1Lending-based crowdfunding remained solid, while equity crowdfunding deals stagnated and revenue declinedAnnual report
「During the three months ended June 30, 2025, closed deals continued at a steady pace in lending-based crowdfunding, but the number of equity crowdfunding deals remained sluggish. As a result, costs continued to precede revenue, with revenue of ¥8.623 million, down 63.0% year on year, and an operating loss of ¥50.662 million, compared with an operating loss of ¥43.083 million in the same period of the previous year.」
Closed deals continued at a steady pace in lending-based crowdfunding, while the number of equity crowdfunding deals remained sluggish. Revenue fell 63.0% year on year, and the operating loss was ¥50.662 million. - FY2022Stagnant growth in closed deals and lower full-year revenueAnnual report
「In the crowdfunding business, we continued to advance PMI at the subsidiaries operating crowdfunding, as in the previous consolidated fiscal year. However, the sluggish number of closed deals meant that costs continued to precede revenue. We will pursue future growth by continuing to advance PMI and form attractive deals.」
While stating its policy of continuing PMI at the subsidiaries and pursuing the formation of attractive deals, the company reported crowdfunding business revenue of ¥77.898 million, down 31.5% year on year because of sluggish growth in closed deals. - FY2022-Q3RestatedAnnual report
「Since the previous consolidated fiscal year, we have been building the structure needed to operate financial services directly going forward. During the nine months ended December 31, 2024, costs continued to precede revenue because the number of closed deals remained sluggish. Revenue was ¥52.696 million, down 34.9% year on year, and the operating loss was ¥135.534 million, compared with an operating loss of ¥181.212 million in the same period of the previous year.」
We continued to build the structure needed to operate financial services directly. The company reported sluggish growth in closed deals and a 34.9% year-on-year decline in revenue, while the operating loss narrowed from the same period of the previous year. - FY2022-Q2Stagnant growth in closed deals and lower revenueAnnual report
「Since the previous consolidated fiscal year, we have been building the structure needed to operate financial services directly going forward. During the six months ended September 30, 2024, costs continued to precede revenue because the number of closed deals remained sluggish. Revenue was ¥40.249 million, down 8.7% year on year, and the operating loss was ¥85.222 million, compared with an operating loss of ¥131.263 million in the same period of the previous year.」
While we continued to build the structure needed to operate financial services directly, the number of closed deals remained sluggish and revenue from the crowdfunding business declined year on year. The operating loss narrowed from the previous year. - FY2022-Q1AdvancedAnnual report
「(Crowdfunding business) Since the previous consolidated fiscal year, we have been building the structure needed to operate financial services directly going forward. During the three months ended June 30, 2024, costs continued to precede revenue, but revenue was ¥23.320 million, up 123.7% year on year, and the operating loss was ¥43.083 million, compared with an operating loss of ¥68.656 million in the same period of the previous year.」
We continued to build the structure needed to operate financial services directly. Revenue from the crowdfunding business was ¥23.320 million, up 123.7% year on year. The operating loss also narrowed from the same period of the previous year. - FY2021AdvancedAnnual report
「During the previous consolidated fiscal year, we added a lending-based crowdfunding operator and an equity crowdfunding operator to our Group and built the structure needed to operate financial services directly going forward. During the consolidated fiscal year under review, costs preceded revenue as a result of PMI at the subsidiaries, system renewal and other measures ahead of full-scale operations. This, together with delays in deal formation, resulted in revenue of ¥113.776 million, compared with revenue of ¥264 thousand in the previous consolidated fiscal year.」
Direct operation of lending-based and equity crowdfunding generated revenue of ¥113.776 million, up from ¥264 thousand in the previous fiscal year. PMI and system renewal progressed, but deal formation was delayed. - FY2021-Q3RestatedAnnual report
「During the previous consolidated fiscal year, we added a lending-based crowdfunding operator and an equity-based crowdfunding operator to our group and have been developing the necessary framework for directly operating financial services in the future. During the nine months ended the third quarter of the consolidated fiscal year under review, transactions began to close and PMI progressed smoothly. However, as costs preceded revenue due to PMI for subsidiaries, system renewals and other measures ahead of full-scale operations, net sales were ¥80.892 million (no results for the same quarter of the previous year) and the operating loss was ¥181.212 million (no results for the same quarter of the previous year).」
We continue to build the structure, advance PMI and renew systems in preparation for directly operating lending-based and equity crowdfunding. - FY2021-Q2AdvancedAnnual report
「During the previous consolidated fiscal year, we added a lending-based crowdfunding operator and an equity crowdfunding operator to our Group and have been building the structure needed to operate financial services directly going forward. During the six months ended September 30, 2024, deals began to close and PMI progressed smoothly. However, costs preceded revenue as a result of PMI at the subsidiaries, system renewal and other measures ahead of full-scale operations, resulting in revenue of ¥44.078 million (no comparable result for the same period of the previous year) and an operating loss of ¥131.263 million (no comparable result for the same period of the previous year).」
Deals began to close in lending-based and equity crowdfunding, and PMI also progressed smoothly. The crowdfunding business recorded revenue of ¥44.078 million. - FY2021-Q1AdvancedAnnual report
「In the previous consolidated fiscal year, the Group added operators of loan-based crowdfunding platforms and equity crowdfunding platforms to the Group and proceeded with developing its structure for the future direct operation of financial services. During the first quarter of the current consolidated fiscal year, as a result of advancing post-merger integration for the subsidiaries and system renewals in preparation for full-scale operations, revenue was ¥10.425 million (no comparable result for the same quarter of the previous year) and operating loss was ¥68.656 million (no comparable result for the same quarter of the previous year).」
To prepare for the direct operation of lending-based and equity crowdfunding, we advanced PMI of the subsidiaries and a system renewal, recording quarterly revenue of ¥10.425 million for the first time. - FY2020AdvancedAnnual report
「In preparation for the direct rollout of financial services, the Group strongly promoted the development of its structure by adding operators of loan-based crowdfunding platforms and equity crowdfunding platforms to the Group.」
In addition to COOL and other loan-based crowdfunding operators, the Group made Unicorn, an equity crowdfunding operator, a subsidiary and proceeded with the direct rollout of financial services. - FY2020-Q2ReframedAnnual report
「In connection with making the company a subsidiary, the Company plans to enter the lending-based crowdfunding sector by leveraging its strengths in “capturing users with a strong interest in finance” and “converting latent prospects into identified prospects using subscription history data.”」
The plan changed from acquiring and launching the existing comparison website "ZUU funding" to entering the loan-based crowdfunding field more directly by making COOL SERVICES Co., Ltd., which operates a money-lending business, and COOL Co., Ltd., which operates a Type II Financial Instruments Business and other businesses, subsidiaries. The planned voting rights acquisition ratio was 80.0%, and the planned business combination date was 15 November 2019. - FY2019First statedAnnual report
「January 2019: Acquired the business of "CrowdPort," a comparison website for loan-based crowdfunding (social lending), and launched "ZUU funding."」
As a specific measure to expand from its existing media and advertising model into financial services, the Company acquired a comparison website business and launched the service.