Wise Group plc (WSE): Kristo Kaarmann reports 18.2% stake in Class A shares

Rhea-AI Filing Summary

Wise Group plc reported that Kristo Kaarmann beneficially owns 186,858,255 Class A Ordinary Shares, representing 18.2% of the outstanding Class A Ordinary Shares. He has sole voting and sole dispositive power over all of these shares, with no shared voting or dispositive authority.

Key Figures

Beneficial Ownership: 186,858,255 Class A Ordinary Shares Ownership Percentage: 18.2% Sole Voting Power: 186,858,255 shares +3 more

6 metrics

Beneficial Ownership 186,858,255 Class A Ordinary Shares Shares beneficially owned by Kristo Kaarmann

Ownership Percentage 18.2% Percentage of Wise Group plc outstanding Class A Ordinary Shares

Sole Voting Power 186,858,255 shares Shares over which the reporting person has sole voting power

Shared Voting Power 0 shares Shares over which the reporting person has shared voting power

Sole Dispositive Power 186,858,255 shares Shares over which the reporting person has sole dispositive power

Shared Dispositive Power 0 shares Shares over which the reporting person has shared dispositive power

Key Terms

beneficially owns, sole voting power, sole dispositive power, Schedule 13G

4 terms

beneficially owns financial

"The Reporting Person beneficially owns 186,858,255 Class A Ordinary Shares."

Beneficially owns means a person or entity enjoys the economic benefits and control of a security even if the legal title or registration is held in another name. Think of it like having the keys and profits from a car that is registered to a friend: you use it, benefit from it, and make decisions about it even though the official paperwork lists someone else. For investors, this matters because it reveals who truly controls shares, affects voting power, potential conflicts of interest, and regulatory disclosure obligations.

sole voting power financial

"The Reporting Person has sole power to direct the vote of 186,858,255 Class A Ordinary Shares."

Sole voting power is the exclusive right to cast votes attached to a shareholder’s stock without needing approval from anyone else. Like holding the only remote control for a TV, it lets that holder decide corporate matters such as board members, mergers, and policy changes, making it important to investors because it concentrates control and can strongly influence a company’s strategy and the value of its shares.

sole dispositive power financial

"The Reporting Person has sole power to dispose or to direct the disposition of 186,858,255 Class A Ordinary Shares."

Sole dispositive power is the exclusive legal authority to decide what happens to a security — for example, whether to sell, transfer, or retain shares — without needing anyone else’s permission. Investors care because it signals who truly controls the economic outcome of an investment: like holding the only key to a safe, the holder can realize gains or losses and may trigger regulatory reporting, insider rules, or influence over corporate ownership.

Schedule 13G regulatory

"Ownership is disclosed on a Schedule 13G as beneficially owned."

A Schedule 13G is a formal document that investors file with the government when they acquire a large ownership stake in a company, usually for investment purposes rather than control. It helps keep the public informed about who owns significant parts of a company's shares, which can influence how the company is managed and how investors make decisions. Filing this schedule is important for transparency and understanding the ownership landscape of publicly traded companies.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/11/2026 - 04:52 PM Accepted by SEC EDGAR 08/11/2026 - 04:52 PM Learn about SEC filing dates

FAQ

How many Wise Group plc (WSE) shares does Kristo Kaarmann beneficially own?

Kristo Kaarmann beneficially owns 186,858,255 Class A Ordinary Shares of Wise Group plc. He controls voting and disposition for all of these shares on a sole basis, with no shared authority reported.

What percentage of Wise Group plc (WSE) does Kristo Kaarmann own?

Kristo Kaarmann may be deemed to beneficially own 18.2% of Wise Group plc’s outstanding Class A Ordinary Shares. This reflects his reported holdings and control as disclosed in the Schedule 13G filing.

Does Kristo Kaarmann share voting power over Wise Group plc (WSE) shares?

No. The filing states that Kristo Kaarmann has sole voting power over 186,858,255 shares and shared voting power over 0 shares, indicating exclusive voting control of his reported stake.

Does Kristo Kaarmann have sole dispositive power over his Wise Group plc (WSE) stake?

Yes. The Schedule 13G reports that he has sole dispositive power over 186,858,255 shares and shared dispositive power over 0 shares, meaning he alone directs any sale or transfer of these shares.

What class of Wise Group plc (WSE) securities is reported in this Schedule 13G?

The filing covers Class A Ordinary Shares of Wise Group plc. The CUSIP number reported for this class is G9723Y105, and all ownership figures refer specifically to this class.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

Wise Group plc

(Name of Issuer)

Class A Ordinary Shares

(Title of Class of Securities)

G9723Y105

(CUSIP Number)

06/30/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): G9723Y105

1

Names of Reporting Persons

Kristo Kaarmann

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

ESTONIA

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 186,858,255.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 186,858,255.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

186,858,255.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

18.2 %

12

Type of Reporting Person (See Instructions)

IN

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Wise Group plc
(b)	Address of issuer's principal executive offices: 65 CLIFTON STREET, LONDON, X0, EC2A 4JE.
Item 2.
(a)	Name of person filing: Kristo Kaarmann (the "Reporting Person")
(b)	Address or principal business office or, if none, residence: c/o Wise Group plc 1st Floor Worship Sq. 65 Clifton Street London, UK EC2A 4JE
(c)	Citizenship: Estonia
(d)	Title of class of securities: Class A Ordinary Shares
(e)	CUSIP Number(s): G9723Y105
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: The Reporting Person beneficially owns 186,858,255 Class A Ordinary Shares.
(b)	Percent of class: The Reporting Person may be deemed to beneficially own 18.2% of the Issuer's outstanding Class A Ordinary Shares.
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: The Reporting Person has sole power to direct the vote of 186,858,255 Class A Ordinary Shares.
	(ii) Shared power to vote or to direct the vote: 0
	(iii) Sole power to dispose or to direct the disposition of: The Reporting Person has sole power to dispose or to direct the disposition of 186,858,255 Class A Ordinary Shares.
	(iv) Shared power to dispose or to direct the disposition of: 0
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.	Certifications:
	Not Applicable

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Kristo Kaarmann

Signature:	/s/ Kristo Kaarmann
Name/Title:	Kristo Kaarmann
Date:	08/11/2026