About Us

Welcome to Fine'sa Grupa, a cornerstone of financial innovation and consulting excellence in Croatia and beyond. For over two decades, we have been dedicated to empowering individuals, entrepreneurs, and businesses with tailored financial solutions, investment opportunities, and strategic guidance. Our mission is simple yet profound: to turn your financial aspirations into tangible successes through expertise, integrity, and a relentless commitment to your growth.

Fine'sa Grupa was founded in 2003 in the historic city of Varaždin, Croatia, by a group of visionary entrepreneurs led by Josip Samaržija. With a collective background spanning banking, real estate, and investment management, our founders saw an opportunity to bridge the gap between traditional financial services and the evolving needs of a modern economy. What began as a modest consulting firm with a handful of dedicated professionals has grown into a robust holding system of multiple companies, employing over 300 individuals and serving clients across Europe.

In our early years, we focused on providing financial consulting to local businesses recovering from the post-Yugoslav economic transition. By 2008, we expanded into investment management with the launch of Fine'sa Conceptus, our investment arm, capitalizing on Croatia’s emerging real estate and eco-energy markets. The 2010s marked a period of rapid growth: we established Fine'sa Credos for financial development and Fine'sa Cordis for specialized sector investments, such as fisheries. By 2015, we had issued over €30 million in corporate bonds, achieving a 100% renewal rate—a testament to the trust our investors place in us.

Today, Fine'sa Grupa stands as a beacon of stability and innovation, having weathered global financial crises and regional challenges. Our history is not just a timeline of events but a story of resilience, adaptability, and an unwavering focus on client success.

Our headquarters remain in Varaždin, a city renowned for its baroque architecture and vibrant entrepreneurial spirit. Nestled in northern Croatia, this location offers us a strategic base to serve both rural and urban clients while maintaining close ties to our roots. The Fine'sa Grupa headquarters, a modern five-story building with sleek glass windows, is a hub of activity where our financial analysts, consultants, and investment managers collaborate daily.

Beyond Varaždin, we operate two key satellite offices:

• Donje Ladanje: Home to Fine'sa Consors, this rural outpost focuses on niche industries like footwear manufacturing and eco-energy projects. Its proximity to natural resources and agricultural communities allows us to support sustainable development initiatives.
• Zadar: Our coastal office, housing Fine'sa Cordis, overlooks the Adriatic Sea and drives our investments in marine industries, tourism, and real estate along Croatia’s stunning coastline.

With a growing international presence, we’ve established partnerships in Austria, Germany, and the United Kingdom, enabling us to offer cross-border investment opportunities and consulting services. Whether you visit us in Varaždin’s historic charm or Zadar’s coastal allure, you’ll find a team ready to bring global expertise to your doorstep.

At Fine'sa Grupa, we believe that investments should do more than generate returns—they should create value, support communities, and shape a sustainable future. Our investment arm, Fine'sa Conceptus, specializes in a diverse portfolio that includes real estate, eco-energy, and short-term financing for businesses.

• Real Estate: We manage residential and commercial projects along the Adriatic coast, from luxury apartments in Split to logistics hubs in Zagreb. Our portfolio includes over 500 properties, offering citizens accessible ways to invest in Croatia’s booming real estate market.
• Eco-Energy: Committed to sustainability, we’ve invested in solar farms and wind energy projects across northern Croatia, contributing to the nation’s renewable energy goals while delivering steady returns to our clients.
• Short-Term Financing: Through Fine'sa Credos, we provide flexible, low-risk financing solutions to entrepreneurs, helping them navigate cash flow challenges and seize growth opportunities.

Our savings investment program offers a standout feature: a 4% fixed annual interest rate, non-taxable and low-risk, with an additional 0.5% bonus for three-year commitments. These funds fuel a balanced portfolio of secured loans to reputable companies, ensuring profitability and stability. Since 2015, we’ve issued €34 million in corporate bonds, reinforcing our position as a trusted investment partner.

Fine'sa Grupa is more than an investment firm—we’re your financial partner. Our services span:

• Financial Consulting: From business plans to feasibility studies, we guide clients through complex financial landscapes with practical, tailored advice.
• Investment Management: Whether you’re a novice saver or a seasoned investor, we craft strategies to maximize your wealth.
• Project Management: We oversee construction, sales, and operational projects, ensuring seamless execution from concept to completion.

Our team combines seasoned banking veterans with young, dynamic professionals trained within Fine'sa. This blend of experience and innovation allows us to offer cutting-edge solutions while maintaining the reliability our clients expect.

With over 300 employees across our network, Fine'sa Grupa thrives on the dedication and expertise of our people. Our leadership, including founder Josip Samaržija, brings decades of entrepreneurial success from ventures like Banka Kovanica and Ivančica d.d. Our staff includes financial analysts with international credentials, real estate experts with deep local knowledge, and a customer service team committed to your satisfaction.

We foster a culture of collaboration and continuous learning, ensuring that every interaction with Fine'sa Grupa is informed by the latest industry insights and a genuine passion for client success.

Our business philosophy is encapsulated in a single phrase: “Ako uspijevate Vi, uspijevamo i mi”—“If you succeed, we succeed.” We see ourselves as partners, not just providers. By offering innovative financial products, personalized consulting, and a client-first approach, we aim to build long-term relationships that drive mutual prosperity.

Since our inception, we’ve supported thousands of clients—individuals saving for retirement, entrepreneurs launching startups, and corporations expanding their reach. Our track record speaks for itself: consistent bond renewals, a growing real estate portfolio, and a reputation for integrity in Croatia’s financial sector.

As we move forward, Fine'sa Grupa is poised to expand our footprint in Europe and enhance our digital offerings. We’re developing online platforms to streamline investment access and exploring new sectors like technology and healthcare. Our goal remains unchanged: to be your trusted partner in navigating the financial world, today and tomorrow.

Join us on this journey. Whether you’re investing in your future, seeking expert advice, or partnering on a bold new project, Fine'sa Grupa is here to make it happen. Contact us today and discover how we can turn your vision into reality.