Adie Annual_Report_2025.pdfADIE’s Annual Report 2025

Adie is Franceʼs leading nonprofit network, supporting entrepreneurs who do not have access to traditional bank credit. It relies on a nationwide presence built on its 209 branches and 320 outreach hubs, the expertise of 926 employees, and the dedication of more than 1,300 volunteers and experts.

In 2025, Adie financed and supported more than 30,000 entrepreneurs, contributing to the creation or preservation of 22,000 jobs. Thanks to the commitment of our teams and the support of our partners, a wide range of projects came to life: local businesses, service, innovative activities, and solidarity-based initiatives. Every support programme is designed to strengthen the entrepreneurʼs autonomy and local impact in keeping with the principles of solidarity and sustainability that have guided our work for more than 35 years.

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In 2025, the European Microfinance Network (EMN) reached new milestones, strengthening its network, expanding its partnerships, and reinforcing its role in promoting microfinance as a key tool for social and financial inclusion. From hosting the closing event of the European Microfinance Day Campaign in Barcelona to bringing together stakeholders at its Annual Conference in Cagliari, EMN continued to foster collaboration and raise the visibility of the sector across Europe.

This report provides an overview of the main activities and achievements of the EMN team, its members, and partners throughout the year. It highlights EMN’s continued work to promote inclusive finance, support underserved communities, contribute to European and national policy discussions, and strengthen knowledge and collaboration across the microfinance sector. In 2025, EMN also welcomed 11 new members, expanded its partnerships with organisations such as UNESCO and EUIPO, and further developed its research activities and community.

This 13th edition of the Survey on Microfinance in Europe, produced by the European Microfinance Network (EMN) and the Microfinance Centre (MFC), draws on data from 198 microcredit providers operating across 30 European countries in 2024.

While the primary focus is on EU-27 countries, the survey also includes data from candidate and potential candidate countries, offering a comprehensive picture of the sector’s European footprint. This edition places a particular emphasis on social outreach to vulnerable groups and microbusinesses.

This focus paper explores the growing cybersecurity challenges facing Europe’s Micro and Small Enterprises (MSEs), which play a vital role in economic growth but are increasingly vulnerable due to rapid digitalisation and limited resources. While digital transformation has helped MSEs remain competitive (particularly during crises such as the COVID-19 pandemic) it has also exposed them to a broad spectrum of cyber threats, including ransomware, phishing, malware, DDoS attacks, and supply chain breaches. These threats are intensified by a lack of cybersecurity expertise, dependence on costly or ill-suited technology solutions, and constrained budgets, all of which can result in significant operational and financial consequences.

The paper underscores the urgent need for comprehensive policy measures and targeted support from EU authorities and National Coordination Centres (NCCs). It recommends expanding access to practical training, increasing funding, and developing user-friendly cybersecurity tools to foster a strong cybersecurity culture and safeguard both individual businesses and the broader digital ecosystem.