Interim report
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Interim report Checkin.com Group AB January - September 2026 (Compared to previous year) Report in brief Net revenue decreased to KSEK 12,563 (17,436) which corresponds to a growth of -28 (-6)% compared to the same period 2025. Gross profit for the period amounted to KSEK 8,896 (12,691) with a margin of 71 (73)%. EBITDA for the period amounted to KSEK 3,169 (6,044) with a margin of 25 (35)%. Cash flow from operating activities amounted to KSEK 658 (286). Cash and cash equivalents amounted to KSEK 13 600 (14 261). Net revenue decreased to KSEK 40,158 (54,365) which corresponds to a growth of -26 (-10)% compared to the same period 2025. Gross profit for the period amounted to KSEK 28,985 (38,547) with a margin of 72 (71)%. EBITDA for the period amounted to KSEK 9 959 (11 473) with a margin of 25 (21)%. Cash flow from operating activities amounted to KSEK 10,330 (5,999). Cash and cash equivalents amounted to KSEK 13 600 (14 261). July - September 2026 (Compared to previous year) January - September 2026
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2 Checkin.com Group AB | Org.No. 559096-3087 CEO letter From Analysis to Execution Since joining as CEO in May, the focus has been on conducting a thorough analysis of the company’s operations, historical bottlenecks, and future potential. This analysis resulted in a new overarching strategy and an updated Target Operating Model, which was approved by the Board at the end of August. The rollout and operational execution consequently began in September. Internal Structure and Order First To translate the strategy into practice, it has been structured into several concrete initiatives across the entire organization. Because the rollout has just begun, the first phase of execution focuses on establishing internal structure and order. We have realigned company governance around five core KPIs, with operational self- sufficiency as our primary guiding star, and introduced disciplined R&D governance to more strictly prioritize development resources toward strategic value and commercial customer needs. Cost discipline must be embedded in our DNA, and finding smarter ways to work through incremental adjustments should be second nature. As part of this, we are currently evaluating, through a dedicated initiative, how to incorporate AI into our day-to-day operations to accelerate production pace and everyday efficiency. ”Back to the Roots” – The Full Onboarding Journey On the product side, the transformation is about reconnecting with Checkin’s original DNA. The company was founded to optimize onboarding flows and maximize end-user conversion. Following the acquisition of our ID verification capabilities, however, the market increasingly came to associate us purely with standalone ID verification - a mere commodity. Through the ”One Stack” initiative, we are now returning to our roots: uniting Signup and ID Verification on a single platform to once again deliver a complete, frictionless onboarding experience. At the same time, we intend to broaden our offering from one-off registration checks to Lifecycle Compliance & Ongoing KYC (continuous re-verification and risk monitoring), building long-term recurring license revenue. Checkin.com is far more than an IDV platform. What we provide is an orchestration engine that embeds frictionless trust at every stage - from onboarding to continuous compliance - driving next-generation conversion for digital companies operating in regulated industries. Horizontal Strategy Validated by the Market A key component of our new strategy is shifting focus from individual verticals to a broad, horizontal use-case model, which we touched upon in the previous quarterly report. The market reality quickly confirmed that this was the right choice. A recent example is the extensive licensing and regulatory changes in Brazil, where we historically conducted business. This type of industry and market volatility provides the clearest confirmation of why our horizontal strategy is imperative: our business cannot rise or fall on individual verticals or local regulatory shifts. The Commercial Engine in Operation In parallel with our product and structural initiatives, we have now started our commercial machinery. We are building our outbound organization from the ground up with new, dedicated sales talent recruited in early October. They are currently undergoing comprehensive onboarding, and with a natural ramp-up period, it will take some time before this investment bears full fruit. Simultaneously, we have introduced the ”Business Rules” initiative to harmonize and streamline historically fragmented contracts through standardized price lists and packaging, as well as longer contract terms to increase predictability. New pipeline discipline is now established within the CRM, and the new pricing and contracting models are being applied in ongoing customer and renewal discussions. To ensure that closed deals translate into revenue more quickly, we have also established the Customer Enablement function, shortening the runway from signed contract to live volume. Building Phase in 2026 with sights set on 2027 The quarterly net revenues of MSEK 12.6 reflect the challenges characterizing this turnaround. The ripple effects of the difficult period we have been navigating are still being felt and will likely persist for some time, until the impact of taking the right measures in the right order takes full effect. Encouragingly, the core business remains strong - we successfully defended a gross margin above 70% and an EBITDA margin exceeding 25%, despite declining revenues. As previously communicated, the second half of 2026 represents our building phase. We are putting in the rigorous, methodical work required to build a sustainable commercial engine, with our sights firmly set on measurable improvements in revenue growth during 2027. Arif Rehman, CEO Stockholm, November 5, 2026
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3 Checkin.com Group AB | Org.No. 559096-3087 Interim report Jan - Sep 2026 Jul - Sep Jan - Sep Full year 2026 2025 2026 2025 2025 Amount in KSEK Net revenue Net revenue LTM Gross profit EBITDA Operating profit (EBIT) Net result Cash flow from operating activities Cash flow after investments Cash and cash equivalents 12,563 55,663 8,896 3,169 -2,352 -2,352 658 -3,874 13,600 17,436 71,527 12,691 6,044 -1,716 -1,667 286 -4,551 14,261 40,158 55,663 28,985 9,959 -8,911 -9,108 10,330 -3,796 13,600 54,365 71,527 38,547 11,473 -12,883 -12,758 5,999 -8,961 14,261 69,871 69,871 49,764 14,932 -131,552 -129,686 11,762 -8,178 13,675 Key performance indicators Net revenue growth Net revenue growth, organic Net revenue growth, per share Net revenue retention LTM Gross margin EBITDA margin Operating margin Equity ratio -28% -28% -35% 68% 71% 25% -19% 89% -6% -6% -7% 90% 73% 35% -10% 92% -26% -26% -29% 71% 72% 25% -22% 89% -10% -10% -11% 90% 71% 21% -24% 92% -10% -10% -11% 88% 71% 21% -188% 83% Data per share in SEK Earnings per share, before dilution Earnings per share, after dilution -0.07 -0.07 -0.06 -0.06 -0.30 -0.30 -0.43 -0.43 -4.34 -4.34 Summary of the third quarter and first nine months of 2026 Definitions of key performance indicators can be found on p. 13.
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4 Checkin.com Group AB | Org.No. 559096-3087 Summary of the period Net revenue and gross margin (KSEK) EBITDA and EBITDA margin (KSEK) Cash and cash equivalents (KSEK)
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5 Checkin.com Group AB | Org.No. 559096-3087 Financial development July - September 2026 Figures in parentheses refer to the corresponding period last year for profit/loss items and year-end 2025 for balance sheet items, unless otherwise stated. Net revenue Net revenue for the third quarter of 2026 amounted to KSEK 12,563 (17,436), corresponding to a growth of -28 (-6)% compared to the previous year. At constant exchange rates relative to the comparison period, growth was -28 (-3)%. The decrease was driven by negative development from existing customers, primarily within the Travel and iGaming verticals. Compared to the second quarter of 2026, net sales growth was -5 (-4)%, driven by generally weaker performance across existing customers. Following two strong quarters within the Travel vertical, we saw lower volumes for our largest customers, while we continue to see high churn within the iGaming vertical, driven by consolidation, generally heightened competition, and a tougher business climate in certain countries and regions. The most extreme example of this is Brazil, where the entire iGaming market was shut down until further notice at the end of September. Operating costs During the quarter, direct costs for products and services sold amounted to KSEK -3,668 (-4,745), with the decrease driven by cost optimizations and lower revenue. Other external expenses amounted to KSEK -2,342 (-2,309). Personnel costs decreased to KSEK -7,788 (-9,112), driven by cost savings. Other operating expenses amounted to KSEK -611 (-462). Depreciation and amortization of tangible and intangible assets amounted to KSEK -5,521 (-7,760) during the period. Amortization attributable to the application of IFRS 16 amounted to KSEK 0 (0). Income tax The income tax of the Group for the period amounted to KSEK 0 (163). The group’s tax loss carry-forwards are not capitalized on the balance sheet. Result of the period Gross profit for the period amounted to KSEK 8,896 (12,691), with a margin of 71 (73)%. Earnings before depreciation, amortization, and impairment (EBITDA) amounted to KSEK 3,169 (6,044), corresponding to a margin of 25 (35)%. The lower EBITDA margin was primarily driven by lower revenues. Operating profit (EBIT) amounted to KSEK -2,352 (-1,716), and the profit for the period amounted to KSEK -2,352 (-1,667). Net revenue Net revenue for the first nine months of 2026 amounted to KSEK 40,158 (54,365), corresponding to a growth of -26 (-10)% compared to the previous year. At constant exchange rates in relation to the comparison period, the growth was -25 (-6)%. The decrease was driven by negative development from existing customers, primarily within the Travel vertical, where one of our largest customers shut down one of their major verification flows during Q3 of last year, representing the single largest contributing factor to the decline in revenue. Operating costs During the period, direct costs for products and services sold amounted to KSEK -11,172 (-15,818), with the decrease driven by cost optimizations and lower revenue. Other external expenses amounted to KSEK -7,301 (-9,998). Personnel costs decreased to KSEK -25,422 (-31,500), driven by cost savings. Other operating expenses amounted to KSEK -2,329 (-2,567). Depreciation, amortization, and impairment of tangible and intangible assets amounted to KSEK -18,870 (-24,356) during the period. Depreciation attributable to the application of IFRS 16 amounted to KSEK 0 (-856). Income tax The income tax of the Group for the period amounted to KSEK 0 (488). The group’s tax loss carry-forwards are not capitalized on the balance sheet. Result of the period Gross profit for the period amounted to KSEK 28,985 (38,547), with a margin of 72 (71)%. Earnings before depreciation, amortization, and impairment (EBITDA) amounted to KSEK 9,959 (11,473), corresponding to a margin of 25 (21)%. The improved EBITDA margin was primarily driven by lower operational costs. Operating profit (EBIT) amounted to KSEK -8,911 (-12,883), and the profit for the period amounted to KSEK -9,108 (-12,758). January - September 2026
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6 Checkin.com Group AB | Org.No. 559096-3087 Financial position Cash flow Cash flow from operating activities during the third quarter amounted to KSEK 658 (286). After investments, the cash flow amounted to KSEK -3,874 (-4,551). During the first nine months of 2026, the cash flow from operating activities amounted to KSEK 10,330 (5,999), and KSEK -3,796 (-8,961) after investments. Intangible assets Checkin.com has intangible assets valued at KSEK 46,538 (50,681), of which KSEK 45,392 (49,389) consists of capitalized development expenditures. Investments in intangible assets during the first nine months amounted to KSEK -14,011 (-15,020). The period’s investment was fully related to capitalized development costs for new functionality in the Group’s software. Other intangible assets amounted to KSEK 1,146 (1,292) and primarily consist of domains. Cash and cash equivalents Cash and cash equivalents as of September 30, 2026, amounted to KSEK 13,600 (13,675). Net cash, after deducting interest-bearing liabilities, amounted to KSEK 13,600 (9,765). Equity ratio Total equity as of September 30, 2026, amounted to KSEK 65,466 (64,961). The equity ratio was 89 (83)%. Employees At the end of the period, total number of employees, including consultants, was 30 (35) people, of which 15 (16) were employed by the group. Stock option program The Group has outstanding incentive programs for selected key personnel and board members. As of September 30, 2026, there were 1,057,963 outstanding options, which in total entitle the holders to subscribe for 1,357,948 shares. This corresponds to a maximum dilution of 4%. Customers During the quarter, the group had 89 revenue generating customers. iGaming was the largest vertical, accounting for 59% of net revenue, followed by Travel & Leisure (18%), Financial Services (9%), and Other (13%). The group’s five largest customers accounted for a total of 51% of net revenue during the quarter. Significant events during the quarter No significant events identified. Significant events after the quarter On October 20, 2026, the Board of Directors resolved to convene an extraordinary general meeting for Monday, November 30, 2026. This resolution was prompted by the Board receiving a request to convene an extraordinary general meeting to address a proposal for a special examination (swe: särskild granskning) from Quinary Equity AB, which controls 14 percent of the company’s outstanding shares. Figures in parentheses refer to the corresponding period last year for profit/loss items and year-end 2025 for balance sheet items, unless otherwise stated.
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7 Checkin.com Group AB | Org.No. 559096-3087 Consolidated statement of comprehensive income Amount in KSEK Jul - Sep Jan - Sep Full year 2026 2025 2026 2025 2025 OPERATING INCOME Net revenue Other operating income Capitalized work for own account 12,563 520 4,495 17,436 398 4,837 40,158 2,015 14,011 54,365 1,971 15,020 69,871 2,370 20,001 Total operating income 17,578 22,671 56,184 71,356 92,242 OPERATING COSTS Direct costs Other external costs Personnel costs Depreciation and write-down Other operating costs -3,668 -2,342 -7,788 -5,521 -611 -4,745 -2,309 -9,112 -7,760 -462 -11,172 -7,301 -25,422 -18,870 -2,329 -15,818 -9,998 -31,500 -24,356 -2,567 -20,107 -13,404 -40,706 -146,484 -3,093 Total operating costs -19,931 -24,387 -65,094 -84,239 -223,794 Operating profit -2,352 -1,716 -8,911 -12,883 -131,552 PROFIT AFTER FINANCIAL ITEMS Financial income Financial costs 0 0 1 -115 6 -203 60 -423 65 -519 Profit after financial items -2,352 -1,830 -9,108 -13,246 -132,006 Income tax - 163 - 488 2,320 NET RESULT Other comprehensive income -2,352 -1,667 -9,108 -12,758 -129,686 Items that may be classified to profit or loss Translation differences of foreign operations 772 -1,268 1,694 -5,969 -6,844 Other comprehensive income for the period 772 -1,268 1,694 -5,969 -6,844 Total comprehensive income for the period Total comprehensive income for the period is attributable in its entirety to the parent company’s shareholders -1,580 -2,935 -7,414 -18,727 -136,530 Earnings per share, before dilution, SEK Earnings per share, after dilution, SEK -0.07 -0.07 -0.06 -0.06 -0.29 -0.29 -0.43 -0.43 -4.34 -4.34
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8 Checkin.com Group AB | Org.No. 559096-3087 Amount in KSEK 30 Sep 31 Dec 2026 2025 2025 ASSETS Non-current assets Capitalized development costs Goodwill Other intangible assets Right-of-use assets Inventory Other financial receivables 45 392 - 1 146 - 196 - 51 060 106 513 10 513 - 214 - 49 389 - 1 292 - 175 - Total non-current assets 46 734 172 316 50 856 Current assets Trade receivables Other receivables Prepaid expenses and accrued income Cash and cash equivalents 9 878 1 505 1 944 13 600 12 275 1 149 2 344 14 261 11 328 1 180 1 457 13 675 Total current assets 26 927 30 029 27 640 TOTAL ASSETS 73 661 198 329 78 496 EQUITY AND LIABILITIES Equity Share capital Other paid-in capital Translation reserves Retained earnings, including profit for the period 829 229 999 10 040 -175 402 747 222 488 9 221 -49 809 747 222 488 8 346 -166 621 Total equity attributable for the owners of the parent company 65 466 182 648 64 961 Non-current liabilities Long term interest bearing liabilities Long term lease liability Deferred tax liability - - 1 100 983 0 2 932 - - 1 100 Total non-current liabilities 1 100 3 915 1 100 Current liabilities Short term interest bearing liabilities Short term lease liability Trade payables Tax liabilities Other liabilities Accrued expenses and prepaid income - - 3 082 - 766 3 247 3 901 - 3 692 - 750 3 423 3 910 - 3 893 - 541 4 091 Total current liabilities 7 095 11 767 12 435 Total liabilities 8 195 15 682 13 535 TOTAL EQUITY AND LIABILITIES 73 661 198 329 78 496 Consolidated statement of financial position
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9 Checkin.com Group AB | Org.No. 559096-3087 Amount in KSEK Attributable to the owners of the parent company Share capital Other paid-in capital Translation reserves Retained earnings incl. profit for the period Total equity 2025 Opening balance 1 Jan 2025 747 222,488 15,190 -37,524 200,902 Profit for the period Other comprehensive income - - - - - -6,844 -129,686 - -129,686 -6,844 Total comprehensive income Transactions with shareholders Share-based compensation Issue of shares Issue of warrants - - - - - - - - -6,844 - - - -129,685 435 - 153 -136,530 435 - 153 Total transactions with shareholders - - - 588 588 CLOSING BALANCE 31 DEC 2025 747 222,488 8,346 -166,621 64,961 2026 Opening balance 1 Jan 2026 747 222,488 8,346 -166,621 64,961 Profit for the period Other comprehensive income - - - - - 1,694 -9,108 - -9,108 1,694 Total comprehensive income Transactions with shareholders Share-based compensation Issue of shares Issue of warrants - - 82 - - - 7,511 - 1,694 - - - -9,108 327 - - -7,414 327 7,593 - Total transactions with shareholders 82 7,511 - 327 7,9 19 CLOSING BALANCE 30 SEP 2026 829 229,999 10,040 -175,402 65,466 Consolidated statement of changes in equity
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10 Checkin.com Group AB | Org.No. 559096-3087 Amount in KSEK Jul - Sep Jan - Sep Full year 2026 2025 2026 2025 2025 OPERATING ACTIVITIES Operating profit Financial items Reversal of depreciation Other items not included in the cash flow -2,352 0 5,521 223 -1,716 -115 7,760 202 -8,911 -197 18,870 735 -12,883 -363 24,356 1,526 -131,552 -453 146,484 1,653 Cash flow from operating activities before changes in working capital 3,392 6,131 10,497 12,637 16,132 Cash flow from changes in working capital Increase/decrease in operating assets Increase/decrease in operating liabilities -2,235 -499 5,285 -11,130 1,780 -1,947 788 -7,426 2,126 -6,497 Change in working capital -2,734 -5,845 -166 -6,638 -4,370 Cash flow from operating activities 658 286 10,330 5,999 11,762 INVESTING ACTIVITIES Investments in intangible assets Investments in tangible assets Acquisition of subsidiaries Deposits -4,495 -36 - - -4,837 - - - -14,011 -115 - - -15,020 - - 61 -20,001 - - 61 Cash flow from investing activities -4,532 -4,837 -14,126 -14,959 -19,940 FINANCING ACTIVITIES New share issue Issue of warrants New loans Amortization of loans - - - - - 153 - -1,163 7,593 - - -4,000 - 153 - -4,377 - 153 - -5,375 Cash flow from financing activities - -1,010 3,593 -4,224 -5,222 CASH FLOW FOR THE PERIOD -3,874 -5,561 -203 -13,185 -13,400 Cash and cash equivalents at beginning of period Exchange rate difference in cash and cash equivalents 17,326 148 19,998 -176 13,675 129 28,966 -1,519 28,966 -1,891 Cash and cash equivalents, end of period 13,600 14,261 13,600 14,261 13,675 Consolidated statement of cash flow
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11 Checkin.com Group AB | Org.No. 559096-3087 Amount in KSEK Jul - Sep Jan - Sep Full year 2026 2025 2026 2025 2025 OPERATING INCOME Net revenue Other operating income Capitalized work for own account Total operating income 2,288 131 - 2,324 2,649 66 - 2,715 6,697 354 - 7,051 7,713 523 - 8,236 10,034 560 - 10,594 OPERATING EXPENSES Direct costs Other external costs Personnel costs Depreciation and write-downs Other operating costs Total operating costs -290 -564 -1,808 - -25 -2,687 -335 -692 -2,575 - -122 -3,724 -943 -2,184 -5,952 0 -158 -9,238 -1,273 -3,286 -8,382 0 -307 -13,247 -1,795 -4,597 -10,934 - -360 -17,686 Operating profit -267 -1,009 -2,187 -5,011 -7,092 PROFIT AFTER FINANCIAL ITEMS Financial income Financial costs Impairment of non-current financial assets 0 0 - 0 -115 - 2 -202 - 35 -411 - 40 -507 -118,524 Profit after financial items -267 -1,124 -2,387 -5,388 -126,083 Group contribution Profit before taxes Income tax - -267 - - -1,124 - - -2,387 - - -5,388 - - -126,083 - NET RESULT -267 -1,124 -2,387 -5,388 -126,083 Income statement for the parent company
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12 Checkin.com Group AB | Org.No. 559096-3087 Amount in KSEK 30 Sep 31 Dec 2026 2025 2025 ASSETS Non-current assets Capitalized development costs Other intangible assets Inventory Shares in subsidiaries Other non-current assets Total non-current assets - - - 125 - 125 - - - 118,649 - 118,649 - - - 125 - 125 Current assets Trade receivables Trade receivables group companies Other receivables Prepaid expenses and accrued income Cash and cash equivalents Total current assets - 19,518 736 341 890 21,484 - 22,994 664 344 1,348 25,350 - 20,559 462 262 1,036 22,320 TOTAL ASSETS 21,609 143,999 22,445 Balance sheet for the parent company EQUITY AND LIABILITIES Equity Share capital Fund for development costs Share premium fund Retained earnings Profit for the period Total equity 829 - 229,999 -208,298 -2,387 20,143 747 - 222,488 -82,279 -5,388 135,569 747 - 222,488 -82,266 -126,083 14,886 Non-current liabilities Debt to credit institutions Total non-current liabilities - - 983 983 - - Current liabilities Debt to credit institutions Trade payables Liabilities group companies Tax liabilities Other liabilities Accrued expenses and prepaid income Total current liabilities Total liabilities - 951 - - 331 186 1,467 1,467 3,901 1,238 1,232 0 249 827 7, 4 47 8,430 3,910 1,620 541 - 134 1,355 7,559 7,559 TOTAL EQUITY AND LIABILITIES 21,609 143,999 22,445
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13 Checkin.com Group AB | Org.No. 559096-3087 Auditor Checkin.com Group’s auditor is Ludvig Kollberg, certified auditor at Moore KLN AB. This report has not been subject to review. Certified Adviser Checkin.com Group shares are listed on Nasdaq First North since 2021. Companies listed on Nasdaq First North are required to have a Certified Adviser which is, among other things, responsible for supervision and compliance. Checkin.com Group’s Certified Adviser is DNB Carnegie Investment Bank AB. Forward-looking statements This report contains forward-looking statements. Such statements are subject to risks and uncertainties. Actual developments may differ materially from the expectations expressed, due to various factors, many of which are beyond the control of Checkin.com Group. Number of shares The Group has one share class and each share corresponds to one vote at the General Meeting. At the end of the period, total number of shares before dilution, amounted to 33,166,425. Adjusted for dilution, using the treasury method, the number of shares amounted to 33,166,425. Parent Company Checkin.com Group AB is the parent company of the group, which on September 30, 2026 consisted of two wholly owned operating subsidiaries; the Swedish company Checkin.com International AB and the Estonian company GetID OÜ. Risks and uncertainties Checkin.com Group AB is exposed to risks, particularly the dependence on key persons, the ability to manage growth and retain customers, plus the exposure to currency fluctuations. A more detailed risk analysis is presented in Checkin.com’s latest published Annual Report. Transactions with related parties No transactions between the Group and its related parties significantly affected the Group’s financial position or earnings during the period. Presentation of the report This report was submitted for publication on November 5, 06:00 CET. At the same time, the report is made available on Checkin.com’s website. On the same day, Checkin.com will present the interim report to investors, analysts and media via a webcasted telephone conference, at 15:00 CET. This report has been made in a Swedish and English version. In the event of any discrepancies between the Swedish and English version, the Swedish version shall prevail. DefinitionsDefinitions Rounding off Since amounts have been rounded off in KSEK, the tables do not always add up. Number of shares, after dilution Average number of shares during the period, adjusted for dilution from issued options where both share price and strike price are taken into account. Gross profit Net revenue minus direct costs. Gross margin Gross profit as a percentage of net revenue. Direct costs Costs driven by increased volumes. This includes for example costs for cloud infrastructure and third party services. EBITDA Earnings before interest, taxes, depreciation and amortization. EBITDA margin EBITDA as a percentage of net revenues. Cashflow after investments Cashflow from operating and investing activities, excluding acquisitions and disposals of subsidiaries. Net cash/debt Cash and bank balances minus interest bearing liabilities. Net revenue growth, organic Net revenue compared to the same period last year, for all entities now part of the group. Net revenue growth, per share Net revenue divided by the average number of shares during the period, compared to the same period previous year. Net revenue LTM Net revenue during the last twelve months. Net revenue retention (NRR) Net revenue during the quarter minus net revenue from new customers in the quarter, divided by net revenue during the previous quarter. Net revenue retention LTM Average NRR over the last four quarters raised to four. Equity ratio Total equity in relation to total assets. Additional information
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14 Checkin.com Group AB | Org.No. 559096-3087 Note 1 Accounting principles Checkin.com AB follows the International Financial Reporting Standards (IFRS) and interpretations (IFRIC), as adopted by the EU. This interim report has been prepared according to IAS 34 Interim Financial Reporting and the Swedish Annual Accounts Act. The interim report for the Parent Company has been prepared in accordance with Chapter 9 Interim Reports of the Swedish Annual Accounts Act. The Parent Company applies the Swedish Annual Accounts Act and RFR2 Accounting principles for legal entities. Under RFR2 the parent company of a legal entity applies all EU approved IFRS principles and interpretations within the framework defined by the Swedish Annual Accounts Act and taking into consideration the connection between accounting and taxation. The accounting principles applied are consistent with those described in Checkin.com’s Annual Report for 2025. Notes Note 2 Currency exchange rates used in group consolidation January - September Average rate Rate at end-of-period 2026 2025 2026 2025 Euro (EUR) 10.8930 11.1015 11.3310 11.0565
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15 Checkin.com Group AB | Org.No. 559096-3087 Emanuel Stihl Chairman of the Board Alexey Kuznetsov Board member Arif Rehman CEO Tobias Lindh Board member The Board of Directors’ assurance The Board of Directors and the CEO confirm that this report provides a fair overview of the company’s operations, position and results. Stockholm, November 5, 2026
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Upcoming reports and events Year-end report 2026: 18 Feb 2027 Annual Report 2026: 16 Apr 2027 Interim report quarter 1 2027: 13 May 2027 Interim report quarter 2 2027: 18 Aug 2027 Interim report quarter 3 2027: 4 Nov 2027 Contact Investor Relations ir@checkin.com Checkin.com in short Checkin.com Group, founded in 2017, specializes in creating secure digital environments by helping businesses establish who is on the other side of the screen. The company’s advanced KYC solutions streamline user registration, identification and login processes while also ensuring that their customers meet strict regulatory standards. This is achieved through a variety of advanced technologies that in real time verify user identities, assess ages, and scan official documents with high accuracy. The software also features biometric technologies to provide an extra layer of fraud prevention while enabling seamless experiences for end-users. By offering a smooth and secure experience for users and flexibility and customer-focus for partners, the software drives both user trust and business growth. Since the foundation of the Company, the software platform has handled millions of checkin sessions from more than 170 countries. Checkin.com Group currently targets primarily three main customer verticals, iGaming, Financial services and Travel & Leisure. The market for each vertical is growing, and Checkin.com sees great potential to grow together with their customers. The Group assesses that the global market for checkins is major, fragmented and unsaturated and the Group sees great opportunity for growth in additional verticals. During 2021 Checkin.com Group acquired the rapidly growing Estonian tech company GetID and another Estonian technology company, DataCorp, with closing in January 2022. The Group is headquartered in Stockholm, Sweden, but operates and recruits globally to attract world-leading talent. Checkin.com Group’s share is since May 2021 listed on Nasdaq First North Growth Market under the trading symbol ”CHECK”. For more information about the company visit: https://group.checkin.com/investors/ Vision and business idea Checkin.com’s vision is to change how end-users interact and identify themselves with products and brands online across the world. The business idea is to help the Group’s customers grow faster by providing individually adapted KYC solutions that enable user friendly and regulatory compliant user verifications. Business model The group’s product is delivered through a cloud-based software, Software as a Service, where customers mainly sign monthly subscriptions. Checkin.com offers different monthly packages at fixed prices, based on size and ancillary services. The subscription-based business model also includes a variable component for use beyond what is included in any monthly packages.