The Executive Board of Rubean AG, a Munich-based FinTech company specializing in software-only point-of-sale solutions, has announced optimistic revenue forecasts for 2026 and a path to profitability in 2027. Speaking at the annual shareholders’ meeting in Munich, Co-CEO Jochen Pielage stated that consolidated revenue is expected to rise to between 5.0 million and 6.0 million euros this year, up from 3.71 million euros in the previous year. Revenue in the first half of the year already grew by approximately 50 percent to 2.4 million euros.
Pielage emphasized that recurring revenue from fees for the use of Rubean’s SoftPOS software is growing strongly. "Half of the 2026 annual revenue will already come from the particularly profitable recurring revenue. That is significantly more than in the previous year," he said. This shift toward high-margin recurring income is a key driver of the company’s improving financial health. Rubean’s SoftPOS solution allows merchants to accept card payments directly on smartphones without additional hardware, eliminating logistical overhead.
The positive trend is expected to continue into 2027. "Thanks to the continued significant growth in recurring revenue, we will reach monthly breakeven in 2027 and close the entire year with a positive net income for the first time," Pielage noted. Rubean is already a market leader in Germany and Spain, and has successfully entered markets in Switzerland, France, and the United Kingdom with support from major banks and payment service providers. Expansion efforts are also underway in North and South America.
Pielage highlighted the company’s partnerships with 19 major banks, including the German Sparkassen, BBVA in Spain, and Commerzbank, as well as internationally active payment service providers. "The groundwork has been laid for expanding a very successful sales operation, especially with the help of my new colleague on the Executive Board, Stephan Kuck," he added. Rubean’s PhonePOS solution is the only SoftPOS that supports the girocard (EC card) in Germany, further strengthening its competitive position. With a clear focus on recurring revenue and international expansion, Rubean is poised for sustainable growth and profitability.
