Top Industries for Investment in Croatia

Croatia has quietly become one of Europe’s most intriguing destinations – not just for tourists flocking to its picturesque beaches and incredible historical attractions, but for investors, too.

As we near the halfway mark in 2025, global investors are increasingly turning their attention toward this Adriatic gem, drawn by its evolving economy, growing infrastructure and strategic location at the crossroads of Central and Southeast Europe.

But, what really makes Croatia so compelling now isn’t just where it is on the map, it’s where it’s going. Whether you’re a seasoned investor looking to diversify in emerging markets or someone simply curious about where the smart money is moving, especially in relatively untouched parts of Eastern Europe, understanding the broader context is key.

Before we dive into sectors and strategies, let’s take a moment to examine Croatia’s economic landscape and how it’s transformed in recent years.

The Croatian Economy, Then and Now

 

Over the past decade, Croatia has undergone a significant economic transformation. Following its 2013 accession to the European Union, major turning point for the country, Croatia has steadily worked to align with EU economic standards, modernise its infrastructure and attract foreign investment.

Indeed, the most notable milestone came in 2023, when Croatia adopted the Euro and joined the Schengen Area. Immediately, these two changes make Croatia more attractive to potential visitors and investors as not only does this mean standardise currency (and way more efficient business operations) but it also makes it easier for people to visit the country, which is great for investors themselves and it’s also a positive indication that the Croatian economy will continue to grow. Indeed, these two moves enhanced investor confidence and reduced barriers to doing business across Europe.

Traditionally very much reliant on tourism, Croatia’s economy is now diversifying significantly. Sectors like tech, renewable energy, manufacturing and logistics have all gained traction. Foreign direct investment (FDI) has increased, particularly in coastal cities and urban hubs like Zagreb, Rijeka, and Split, and structural reforms, improved digital infrastructure and a more business-friendly regulatory environment are also reshaping the investment climate.

While the country still faces challenges, including labour shortages and regional disparities, its medium-to-long-term outlook is looking very promising.

Many experts predict that over the next decade, EU-backed development funds, green energy initiatives and private capital will drive further growth. For investors, this means a landscape that is still maturing, but offers a great deal of potential in doing so. Croatia may not be the largest economy in Europe, but it’s quickly becoming one of its most dynamic investment frontiers.

 

 

Top 5 Industries for Investment in Croatia in 2025 

 

With all this in mind, here are the top five industries for investment in Croatia in 2025.

 

Tourism

 

While tourism has long been Croatia’s economic backbone, and is still one of the top reasons people visit the country these days, 2025 marks a turning point as the industry shifts toward more sustainable, high-value offerings.

Investments are increasingly flowing into eco-resorts, wellness tourism, heritage restoration and year-round experiences that move beyond the summer beach season. This diversification makes the sector more resilient and opens doors for innovative investors.

Enhanced transport infrastructure, including new flights and upgraded ports, has also expanded accessibility. With global travellers seeking authentic, culturally rich destinations, Croatia’s strategic pivot in tourism presents timely, high-return opportunities in both established locations and emerging inland regions.

 

IT and Software Development

 

The Croatian tech sector has grown rapidly over the past decade, fuelled by a talented, English-speaking workforce, strong universities and competitive costs. Cities like Zagreb and Split have emerged as regional tech hubs, with startups, software development firms and IT service providers attracting global clients and investors.

Government support for digital innovation and EU funding for tech infrastructure have helped create a thriving ecosystem. In 2025, the country’s favourable tax policies, skilled labour pool and expanding demand for digital solutions position technology and IT as a key area for growth, particularly in cybersecurity, fintech and AI-driven services.

 

Finance

 

Croatia’s financial sector is evolving rapidly in 2025, driven by eurozone integration, growing consumer sophistication and digital transformation. The adoption of the euro has strengthened investor confidence and simplified cross-border transactions, attracting foreign banks, fintech firms and investment funds.

Demand is rising for modern financial services – from digital banking to green financing – creating space for innovation and disruption. Regulatory reforms aligned with EU standards have improved transparency and market access.

With a relatively underdeveloped private equity scene and growing SME sector, there’s significant opportunity in lending, asset management and financial technology. Croatia offers a stable, increasingly dynamic environment for financial sector investment.

 

Engineering and Construction

 

Engineering and construction remain central to Croatia’s development trajectory in 2025, fuelled by public infrastructure projects, EU-funded initiatives, and rising demand for housing and commercial spaces. Urban development in cities like Zagreb and Split, as well as strategic projects in transport and energy, are driving steady growth.

Investors are particularly interested in sustainable building practices, smart infrastructure and green retrofitting. Labour shortages have increased demand for advanced equipment and international expertise, creating further opportunities. With the country modernising rapidly and building out its logistical and urban capacities, engineering and construction stand as a robust, long-term investment sector.

 

Healthcare

 

Croatia’s healthcare sector is undergoing major transformation, presenting strong investment potential in 2025. EU funding, demographic shifts and increased public-private cooperation are driving demand for better facilities, medical technology and digital health services.

The country is also emerging as a regional hub for medical tourism, especially in dental care, cosmetic surgery and rehabilitation. Infrastructure gaps and growing chronic disease burdens are pushing reforms and creating openings for private clinics, diagnostics, and elder care services.

As the government encourages innovation and partnerships, investors can find opportunities across both urban and regional markets. Healthcare in Croatia is becoming a resilient, high-impact sector.