=== Report 1: Tidewick Processing Fee Revenue by Month, 2025 (written by Bea) === Engineer's note: The payouts.status codes aren't enumerated in the catalog, so I filtered status IN ('paid','completed') as the settled/completed states; please flag if the warehouse uses different literal status values so we can correct. All 12 months of 2025 are shown (zero-filled where no settled payouts exist), with 2024 fee revenue for the same month as the comparison column. REPORT: Tidewick Processing Fee Revenue by Month, 2025 QUESTION: How much processing-fee revenue did Tidewick earn each month in 2025, and how is it trending? month | payout_count | gross_volume_eur | fee_revenue_eur | net_paid_out_eur | fee_rate_pct | fee_revenue_prior_year_eur --------+--------------+------------------+-----------------+------------------+--------------+--------------------------- 2025-01 | 503 | 199172.31 | 4954.45 | 151256.63 | 2.5 | 2988.79 2025-02 | 426 | 117777.21 | 2907.62 | 95906.6 | 2.5 | 3263.45 2025-03 | 475 | 135070.48 | 3567.13 | 115334.32 | 2.6 | 2972.1 2025-04 | 449 | 188851.76 | 5006.79 | 169982.71 | 2.7 | 3242.26 2025-05 | 482 | 127570.11 | 3482.02 | 98002.35 | 2.7 | 3490.98 2025-06 | 463 | 113673.02 | 3123.65 | 91578.07 | 2.7 | 2773.41 2025-07 | 484 | 132602.63 | 3604.89 | 108283.9 | 2.7 | 2844.58 2025-08 | 474 | 141126.23 | 4276.29 | 118864.4 | 3.0 | 2727.22 2025-09 | 458 | 122449.4 | 3165.85 | 100229.52 | 2.6 | 2991.07 2025-10 | 507 | 154129.95 | 4108.16 | 130131.01 | 2.7 | 3558.57 2025-11 | 621 | 236843.96 | 6380.01 | 199899.74 | 2.7 | 4548.44 2025-12 | 775 | 322182.01 | 8609.0 | 250319.95 | 2.7 | 7526.96 (12 rows) === Report 2: Top Merchants by 2025 Gross Payment Volume and Fee Revenue (written by Bea) === Engineer's note: Grain is one tenant aggregated over 2025 payouts with status completed/paid, gross/fee converted EUR via same-day EUR exchange rate (1.0 when already EUR); shares and cumulative share are computed against the full 2025 tenant universe (before the top-25 cut), and since the pre-LIMIT result set is one row per tenant with any 2025 payout activity, the report's printed total-row-count gives the analyst's requested "how many tenants had activity" figure. REPORT: Top Merchants by 2025 Gross Payment Volume and Fee Revenue QUESTION: Which merchants account for the largest share of Tidewick's gross payment volume and processing-fee revenue in 2025? rank | merchant_name | industry_vertical | tenant_status | gross_volume_eur | gross_volume_share_pct | cumulative_gross_volume_share_pct | fee_revenue_eur | fee_revenue_share_pct -----+-------------------------------+---------------------------+---------------+------------------+------------------------+-----------------------------------+-----------------+---------------------- 1 | Cragsley Outfitters | Apparel & Footwear | active | 702797.52 | 17.69 | 17.69 | 22263.37 | 23.79 2 | Ampfeld Elektronik | Consumer Electronics | active | 490656.47 | 12.35 | 30.04 | 8608.2 | 9.2 3 | Marrowby & Vane | Apparel & Footwear | active | 276394.66 | 6.96 | 37.0 | 4858.84 | 5.19 4 | Kontor24 Bürobedarf | Office Supplies (B2B) | active | 236709.76 | 5.96 | 42.95 | 3701.85 | 3.96 5 | Ballycorran Industrial Supply | Industrial Supplies (B2B) | active | 178917.44 | 4.5 | 47.46 | 2758.4 | 2.95 6 | Brennquell Kaffee | Food & Coffee | active | 176384.58 | 4.44 | 51.9 | 5539.25 | 5.92 7 | Midland Safety Wear | Industrial Supplies (B2B) | active | 155767.8 | 3.92 | 55.82 | 3779.36 | 4.04 8 | Cinder Peak Sports Co. | Sports & Outdoor | active | 126336.27 | 3.18 | 59.0 | 3877.43 | 4.14 9 | OfficeHub Nordic | Office Supplies (B2B) | active | 111821.72 | 2.81 | 61.81 | 3618.19 | 3.87 10 | Studio Vrij | Apparel & Footwear | active | 107823.51 | 2.71 | 64.53 | 1885.07 | 2.01 11 | Castell Fasteners | Industrial Supplies (B2B) | active | 107753.57 | 2.71 | 67.24 | 3499.84 | 3.74 12 | Gratlinie Outdoor | Sports & Outdoor | active | 94039.66 | 2.37 | 69.61 | 2104.17 | 2.25 13 | Deskline Supplies | Office Supplies (B2B) | active | 64727.75 | 1.63 | 71.23 | 974.76 | 1.04 14 | Fennel & Flint | Home & Living | active | 62508.63 | 1.57 | 72.81 | 1739.27 | 1.86 15 | Petalcourt Beauty | Beauty | active | 61865.09 | 1.56 | 74.36 | 1225.61 | 1.31 16 | Hanse Industriebedarf | Industrial Supplies (B2B) | active | 46691.54 | 1.18 | 75.54 | 1315.17 | 1.41 17 | Polder Packaging | Industrial Supplies (B2B) | active | 40169.59 | 1.01 | 76.55 | 1369.96 | 1.46 18 | Grind Collective | Food & Coffee | past_due | 39682.45 | 1.0 | 77.55 | 1265.15 | 1.35 19 | Kayak Corner | Sports & Outdoor | active | 39521.7 | 0.99 | 78.54 | 1174.45 | 1.25 20 | Wiesgrund Wohnen | Home & Living | active | 37813.12 | 0.95 | 79.5 | 710.12 | 0.76 21 | Linden & Loom | Home & Living | active | 36583.58 | 0.92 | 80.42 | 693.92 | 0.74 22 | Fell & Fjell | Sports & Outdoor | active | 33288.47 | 0.84 | 81.26 | 468.76 | 0.5 23 | Honeycomb Larder | Food & Coffee | active | 31808.64 | 0.8 | 82.06 | 1145.98 | 1.22 24 | Kibblewick | Pet Supplies | active | 31741.18 | 0.8 | 82.85 | 732.3 | 0.78 25 | Sourdough Club | Food & Coffee | active | 28997.99 | 0.73 | 83.58 | 577.02 | 0.62 (25 rows) === Report 3: Merchant Concentration Trend: 2024 vs 2025 (written by Ines) === Engineer's note: Filtered payouts.status to the two completed-equivalent codes ('completed','paid') since the catalog doesn't enumerate payout statuses explicitly; EUR conversion uses each payout's paid_at date against exchange_rates (base_code=EUR), dividing local amount by the EUR->local rate. REPORT: Merchant Concentration Trend: 2024 vs 2025 QUESTION: Is Tidewick's volume and revenue concentration among its largest merchants growing or shrinking year over year? year | active_merchant_count | total_gross_volume_eur | top5_gross_volume_eur | top5_share_pct | top10_gross_volume_eur | top10_share_pct | top10_fee_share_pct -----+-----------------------+------------------------+-----------------------+----------------+------------------------+-----------------+-------------------- 2024 | 92 | 3090208.98 | 1622754.42 | 52.5 | 2028894.53 | 65.7 | 67.3 2025 | 113 | 3972987.99 | 1885475.85 | 47.5 | 2563609.72 | 64.5 | 65.1 (2 rows)