# EDGAR Filing Document

**Accession Number:** 0002089330
**File Stem:** 0001193125-25-277522
**Filing Date:** 2025-11
**Character Count:** 30949
**Document Hash:** a08f80307b2945e569ee53a6a918b110
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-277522.hdr.sgml**: 20251112

**ACCESSION NUMBER**: 0001193125-25-277522

**CONFORMED SUBMISSION TYPE**: SCHEDULE 13G

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20251112

**DATE AS OF CHANGE**: 20251112

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Klarna Group plc
- **CENTRAL INDEX KEY:** 0002003292
- **STANDARD INDUSTRIAL CLASSIFICATION:** FINANCE SERVICES [6199]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** X0
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13G
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 005-95321
- **FILM NUMBER:** 251472576

**BUSINESS ADDRESS:**
- **STREET 1:** 10 YORK ROAD
- **CITY:** LONDON
- **STATE:** X0
- **ZIP:** SE1 7ND
- **BUSINESS PHONE:** 0046734205795

**MAIL ADDRESS:**
- **STREET 1:** 10 YORK ROAD
- **CITY:** LONDON
- **STATE:** X0
- **ZIP:** SE1 7ND

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Klarna UK II plc
- **DATE OF NAME CHANGE:** 20231205
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** JACOBSSON KARL ANDERS VICTOR
- **CENTRAL INDEX KEY:** 0002089330

**ORGANIZATION NAME:**

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13G

**MAIL ADDRESS:**
- **ADDRESS IS A NON US LOCATION:** YES
- **STREET 1:** NORRLANDSGATAN 15 FLOOR 6
- **CITY:** STOCKHOLM
- **NON US STATE TERRITORY:** SWEDEN
- **PROVINCE COUNTRY:** V7
- **ZIP:** 11143

### Attached PDF Documents

**Attachment 1:** `ck0000000000-ex99_1.pdf`

_No text found in this document._

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## SCHEDULE 13G

### Under the Securities Exchange Act of 1934

**Issuer:** Klarna Group plc

**Title of Class of Securities:** Ordinary Shares

**CUSIP Number:** G5279N105

**Date of Event Which Requires Filing of this Statement:** 09/30/2025

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

- [ ] Rule 13d-1(b)

- [ ] Rule 13d-1(c)

- [x] Rule 13d-1(d)

---

| 1. | Names of Reporting Persons<br>Lux Horizon Holding S.a r.l. | Names of Reporting Persons<br>Lux Horizon Holding S.a r.l. |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>N4 | Citizenship or Place of Organization<br>N4 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>14979264 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>14979264 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>14979264 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>14979264 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>4.0% | Percent of Class Represented by Amount in Row (9)<br>4.0% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** Rows 6, 8 and 9: The amount reported represents 14,979,264 Ordinary Shares directly held by Lux Horizon Holding S.a r.l. and beneficially owned by Victor Jacobsson following the transfer of all such Ordinary Shares from Stenbranten Holding AB to Lux Horizon Holding S.a r.l. following the IPO. Each of the foregoing persons have shared dispositive and voting powers.

Row 11: The aggregate percentage of shares reported owned by each person named in the tables herein is based upon 377,255,045 ordinary shares ("Ordinary Shares") of the Issuer, which is the total number of Ordinary Shares outstanding as of the completion of the Issuer's initial public offering (the "IPO"), as reported on the Issuer's final prospectus dated September 9, 2025 filed pursuant to Rule 424(b)(4) with the Securities and Exchange Commission on September 10, 2025.

---

| 1. | Names of Reporting Persons<br>Northbridge S.a r.l. | Names of Reporting Persons<br>Northbridge S.a r.l. |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>N4 | Citizenship or Place of Organization<br>N4 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>2959176 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>2959176 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>2959176 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>2959176 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>0.8% | Percent of Class Represented by Amount in Row (9)<br>0.8% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** Rows 6, 8 and 9: The amount reported represents 2,959,176 Ordinary Shares directly held by Northbridge S.a r.l. and beneficially owned by TTS Pass AB and Victor Jacobsson following the distribution of all such Ordinary Shares from TTS Pass A AB, an entity controlled by Victor Jacobsson, to Northbridge S.a r.l. following the IPO. Each of the foregoing persons have shared dispositive and voting powers.

Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l.

---

| 1. | Names of Reporting Persons<br>Krokusvik Holding AB | Names of Reporting Persons<br>Krokusvik Holding AB |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>V7 | Citizenship or Place of Organization<br>V7 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>861463 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>861463 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>861463 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>861463 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>0.2% | Percent of Class Represented by Amount in Row (9)<br>0.2% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** Rows 6, 8 and 9: The amount reported represents 861,463 Ordinary Shares directly held by Krokusvik Holding AB and beneficially owned by Victor Jacobsson following the distribution of 1,468,937 Ordinary Shares by Krokusvik Holding AB to limited partners following the IPO. Each of the foregoing persons have shared dispositive and voting powers.

Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l.

---

| 1. | Names of Reporting Persons<br>Kraftdalen Holding AB | Names of Reporting Persons<br>Kraftdalen Holding AB |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>V7 | Citizenship or Place of Organization<br>V7 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>3192444 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>3192444 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>3192444 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>3192444 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>0.8% | Percent of Class Represented by Amount in Row (9)<br>0.8% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** Rows 6, 8 and 9: The amount reported represents 3,192,444 Ordinary Shares directly held by Kraftdalen Holding AB and beneficially owned by Victor Jacobsson with respect to which each of the foregoing persons have shared dispositive and voting powers.

Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l.

---

| 1. | Names of Reporting Persons<br>TTS Pass AB | Names of Reporting Persons<br>TTS Pass AB |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>V7 | Citizenship or Place of Organization<br>V7 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>4552051 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>4552051 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>4552051 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>4552051 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>1.2% | Percent of Class Represented by Amount in Row (9)<br>1.2% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** Rows 6, 8 and 9: The amount reported represents (1) 1,358,389 Ordinary Shares directly held by TTS Pass AB and beneficially owned by Victor Jacobsson following the sale of 723,743 Ordinary Shares by TTS Pass AB in the IPO and subsequent exercise in full by the underwriters of the underwriters' option to purchase additional Ordinary Shares, (2) 234,486 Ordinary Shares directly held by TTS Pass B AB and beneficially owned by TTS Pass AB and Victor Jacobsson following the distribution of 153,474 Ordinary Shares by TTS Pass B AB to limited partners following the IPO and (3) 2,959,176 Ordinary Shares directly held by Northbridge S.a r.l. and beneficially owned by TTS Pass AB and Victor Jacobsson following the distribution of all such Ordinary Shares from TTS Pass A AB, an entity controlled by Victor Jacobsson, to Northbridge S.a r.l. following the IPO. Each of the foregoing persons have shared dispositive and voting powers.

Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l.

---

| 1. | Names of Reporting Persons<br>Svalviken Holding AB | Names of Reporting Persons<br>Svalviken Holding AB |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>V7 | Citizenship or Place of Organization<br>V7 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>79933 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>79933 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>79933 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>79933 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>0.0% | Percent of Class Represented by Amount in Row (9)<br>0.0% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** Rows 6, 8 and 9: The amount reported represents 79,933 Ordinary Shares directly held by Svalviken Holding AB and beneficially owned by Victor Jacobsson following the distribution of 1,553,987 Ordinary Shares by Svalviken Holding AB to limited partners following the IPO. Each of the foregoing persons have shared dispositive and voting powers.

Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l.

---

| 1. | Names of Reporting Persons<br>K Opportunity  AB | Names of Reporting Persons<br>K Opportunity  AB |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>V7 | Citizenship or Place of Organization<br>V7 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>256442 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>256442 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>256422 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>256422 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>0.1% | Percent of Class Represented by Amount in Row (9)<br>0.1% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** Rows 6, 8 and 9: The amount reported represents 256,422 Ordinary Shares directly held by K Opportunity AB and beneficially owned by Victor Jacobsson following the sale of 7,600 Ordinary Shares by K Opportunity AB in the IPO and subsequent exercise in full by the underwirters of the underwriters' option to purchase additional Ordinary Shares and the distribution of 1,029,338 Ordinary Shares by K Opportunity AB to limited partners following the IPO. Each of the foregoing persons have shared dispositive and voting powers.

Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l.

---

| 1. | Names of Reporting Persons<br>TTS Pass B AB | Names of Reporting Persons<br>TTS Pass B AB |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>V7 | Citizenship or Place of Organization<br>V7 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>234486 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>234486 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>234486 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>234486 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>0.1% | Percent of Class Represented by Amount in Row (9)<br>0.1% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** Rows 6, 8 and 9: The amount reported represents 234,486 Ordinary Shares directly held by TTS Pass B AB and beneficially owned by TTS Pass AB and Victor Jacobsson following the distribution of 153,474 Ordinary Shares by TTS Pass B AB to limited partners following the IPO. Each of the foregoing persons have dispostive and voting powers.

Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l.

---

| 1. | Names of Reporting Persons<br>Algbranten Holding AB | Names of Reporting Persons<br>Algbranten Holding AB |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>V7 | Citizenship or Place of Organization<br>V7 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>190713 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>190713 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>190713 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>190713 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>0.1% | Percent of Class Represented by Amount in Row (9)<br>0.1% |
| 12. | Type of Reporting Person (See Instructions)<br>PN | Type of Reporting Person (See Instructions)<br>PN |

**Comment for Type of Reporting Person:** Rows 6, 8 and 9: The amount reported represents 190,713 Ordinary Shares directly held by Algbranten Holding AB and beneficially owned by Victor Jacobsson following the sale of 503,000 Ordinary Shares by Algbranten Holding AB in the IPO and subsequent exercise in full by the underwriters of the underwriters' option to purchase additional Ordinary Shares and the distribution of 93,713 Ordinary Shares from Svalviken Holding AB, an entity controlled by Victor Jacobsson, following the IPO.

Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l.

---

| 1. | Names of Reporting Persons<br>Victor Jacobsson | Names of Reporting Persons<br>Victor Jacobsson |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [ ] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>V7 | Citizenship or Place of Organization<br>V7 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>1200 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>24112290 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>1200 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>24112290 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>24113490 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>24113490 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>6.4% | Percent of Class Represented by Amount in Row (9)<br>6.4% |
| 12. | Type of Reporting Person (See Instructions)<br>IN | Type of Reporting Person (See Instructions)<br>IN |

**Comment for Type of Reporting Person:** Rows 6, 8 and 9: The amount reported represents (1) 1,200 Ordinary Shares directly held by Victor Jacobsson, (2) 1,358,389 Ordinary Shares directly held by TTS Pass AB and beneficially owned by Victor Jacobsson following the sale of 723,743 Ordinary Shares by TTS Pass AB in the IPO and subsequent exercise in full by the underwriters of the underwriters' option to purchase additional Ordinary Shares, (3) 190,713 Ordinary Shares directly held by Algbranten Holding, AB and beneficially owned by Victor Jacobsson following the sale of 503,000 Ordinary Shares by Algbranten Holding AB in the IPO and subsequent exercise in full by the underwriters of the underwriters' option to purchase additional Ordinary Shares and the distribution of 93,713 Ordinary Shares from Svalviken Holding AB, an entity controlled by Victor Jacobsson, following the IPO, (4) 0 Ordinary Shares directly held by Talces AB and beneficially owned by Victor Jacobsson following the sale of 67,740 Ordinary Shares by Talces AB in the IPO and subsequent exercise in full by the underwriters of the underwriters' option to purchase additional Ordinary Shares, (5) 256,422 Ordinary Shares directly held by K Opportunity AB and beneficially owned by Victor Jacobsson following the sale of 7,600 Ordinary Shares by K Opportunity AB in the IPO and subsequent exercise in full by the underwriters of the underwriters' option to purchase additional Ordinary Shares and the distribution of 1,029,338 Ordinary Shares by K Opportunity AB to limited partners following the IPO, (6) 861,463 Ordinary Shares directly held by Krokusvik Holding AB and beneficially owned by Victor Jacobsson following the distribution of 1,468,937 Ordinary Shares by Krokusvik Holding AB to limited partners following the IPO, (7) 79,933 Ordinary Shares directly held by Svalviken Holding AB and beneficially owned by Victor Jacobsson following the distribution of 1,553,987 Ordinary Shares by Svalviken Holding AB to limited partners following the IPO, (8) 234,486 Ordinary Shares directly held by TTS Pass B AB and beneficially owned by TTS Pass AB and Victor Jacobsson following the distribution of 153,474 Ordinary Shares by TTS Pass B AB to limited partners following the IPO, (9) 2,959,176 Ordinary Shares directly held by Northbridge S.a r.l. and beneficially owned by TTS Pass AB and Victor Jacobsson following the distribution of all such Ordinary Shares from TTS Pass A AB, an entity controlled by Victor Jacobsson, to Northbridge S.a r.l. following the IPO, (10) 14,979,264 Ordinary Shares directly held by Lux Horizon Holding S.a r.l. and beneficially owned by Victor Jacobsson following the distribution of all such Ordinary Shares from Stenbranten Holding AB, an entity controlled by Victor Jacobsson, to Lux Horizon Holding S.a r.l. following the IPO, and (11) 3,192,444 Ordinary Shares directly held by Kraftdalen Holding AB and beneficially owned by Victor Jacobsson with respect to which each of the foregoing persons have shared dispositive and voting powers.

Row 11: See Note to Row 11 for Lux Horizon Holding S.a r.l.

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**Item 1(a). Name of Issuer:**
Klarna Group plc

**Item 1(b). Address of Issuer's Principal Executive Offices:**
10 York Road, London SE1 7ND, United Kingdom

**Item 2(a). Name of Person Filing:**
1.     Lux Horizon Holding S.a r.l.
2.	Northbridge S.a r.l.
3.	Krokusvik Holding AB
4.	TTS Pass AB
5.	Kraftdalen Holding AB
6.	Svalviken Holding AB
7.	K Opportunity AB
8.	TTS Pass B AB
9.	Algbranten Holding AB
10.	Victor Jacobsson

**Item 2(b). Address of Principal Business Office:**
Norrlandsgatan, 15 Floor 6, Stockholm, Sweden 11143

**Item 2(c). Citizenship:**
Swedish

**Item 2(d). Title of Class of Securities:**
Ordinary Shares

**Item 2(e). CUSIP Number:**
G5279N105

**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:**

24,113,490

**(b) Percent of class:**

6.4

**(c) Number of shares as to which the person has:**

**(i) Sole power to vote or to direct the vote:**

1,200

**(ii) Shared power to vote or to direct the vote:**

24,112,290

**(iii) Sole power to dispose or to direct the disposition of:**

1,200

**(iv) Shared power to dispose or to direct the disposition of:**

24,112,290

**Item 5. Ownership of Five Percent or Less of a Class.**

[x] If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following.

**Item 6. Ownership of More than 5 Percent on Behalf of Another Person.**

Not Applicable

**Item 7. Identification and Classification of the Subsidiary**

Not Applicable

**Item 8. Identification and Classification of Members of the Group**

By virtue of the relationships as described above in Item 4, the Reporting Persons may be deemed to be a group.

Exhibits.

Joint Filing Agreement dated November 12, 2025, by and among Victor Jacobsson, TTS Pass B AB, Northbridge S.a r.l., Lux Horizon Holding S.a r.l., K Opporunity AB, Krokusvik Holding AB, Svalviken Holding AB, Kraftdalen Holding AB, TTS Pass AB and Algbranten Holding AB.

**Item 9. Notice of Dissolution of Group**

Not Applicable

**Item 10. Certification:**

—

### 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.

**Lux Horizon Holding S.a r.l.**

**Date:** 11/12/2025

**By:** /s/ Christine Collado

**Name & Title:** Christine Collado, Class A Manager

**Northbridge S.a r.l.**

**Date:** 11/12/2025

**By:** /s/ Christine Collado

**Name & Title:** Christine Collado, Class A Manager

**Krokusvik Holding AB**

**Date:** 11/12/2025

**By:** /s/ Victor Jacobsson

**Name & Title:** Victor Jacobsson, Board Member

**Kraftdalen Holding AB**

**Date:** 11/12/2025

**By:** /s/ Mikael Walther

**Name & Title:** Mikael Walther, Board Member

**TTS Pass AB**

**Date:** 11/12/2025

**By:** /s/ Mikael Walther

**Name & Title:** Mikael Walther, Chairman of the Board

**Svalviken Holding AB**

**Date:** 11/12/2025

**By:** /s/ Victor Jacobsson

**Name & Title:** Victor Jacobsson, Board Member

**K Opportunity AB**

**Date:** 11/12/2025

**By:** /s/ Victor Jacobsson

**Name & Title:** Victor Jacobsson, Board Member

**TTS Pass B AB**

**Date:** 11/12/2025

**By:** /s/ Mikael Walther

**Name & Title:** Mikael Walther, Board Member

**Algbranten Holding AB**

**Date:** 11/12/2025

**By:** /s/ Nils Hakansson

**Name & Title:** Nils Hakansson, Board Member

**Victor Jacobsson**

**Date:** 11/12/2025

**By:** /s/ Victor Jacobsson

**Name & Title:** Victor Jacobsson