We are a brokerage company that supports companies in concluding and servicing insurance and insurance guarantees. We prepare and implement solutions tailored to the needs and capabilities of our clients. Insurance contracts concluded with our participation are effective instruments supporting the company's operations and development. Well-informed knowledge and experience so that our clients can focus on their business. We work with dozens of insurers from the Polish and London market thanks to which we have a wide range of insurance products. We specialize in providing services to construction, transport and production companies (including wood production, furniture and plastics).
CERTUM offers a full brokerage service consisting of:
- risk assessment
- preparation of the insurance program
- negotiating insurance terms with insurers
- preparation of offer analyzes along with a recommendation
- implementation of insurance according to the client's decision (applications / policies)
- full service of insurance guarantees
- insurance support (changes, declarations, etc.)
- reporting and handling of damages as well as submitting appeals and complaints
- cyclical training for customer employees from insurance and claims settlement
- sharing information about insurance and online damage
- ongoing reporting
66.22.Z - Insurance agent and broker activities
46.18.Z - Activity of agents involved in wholesale trade of other specified goods
47 - Retail trade
64.99.Z - Other financial services, except insurance and pension funds, not elsewhere classified
66.19.Z - Other activities supporting financial services, excluding insurance and pension funds
66.29.Z - Activities supporting insurance and pension funds, not elsewhere classified
69.10.Z - Legal activities
70.22.Z - Head office activities and management consultancy
77 - Rental and leasing
85.59.B - Courses and training for acquiring knowledge, skills, and professional qualifications in non-school forms
2020 | 2021 | 2022 | ||
---|---|---|---|---|
M PLN | M PLN | M PLN | % | |
Gross profit (loss) | 0,1 | 0,1 | 0,2 | 98,6 |
EBITDA | 0,1 | 0,1 | 0,2 | 70,4 |
Short time liabilities | 0,2 | 0,1 | 0,2 | 60,4 |
Equity capital | 0,1 | 0,2 | 0,2 | -7,2 |
Operating profit (EBIT) | 0,1 | 0,1 | 0,2 | 98,6 |
Assets | 0,3 | 0,3 | 0,4 | 3,4 |
Net profit (loss) | 0,1 | 0,1 | 0,1 | 94 |
Cash | 0,2 | 0 | 0,1 | 175 |
Net income from sale | 0,7 | 0,9 | 1,2 | 29,3 |
Liabilities and provisions for liabilities | 0,2 | 0,2 | 0,2 | 15,1 |
Working assets | 0,2 | 0,2 | 0,3 | 44,9 |
Depreciation | 0 | 0,1 | 0,1 | 26,1 |
% | % | % | p.p. | |
Profitability of capital | 39,2 | 41,7 | 87,1 | 45,4 |
Equity capital to total assets | 42,8 | 52,6 | 47,2 | -5,4 |
Gross profit margin | 8,1 | 8,6 | 13,2 | 4,6 |
EBITDA Margin | 15,5 | 14,9 | 19,7 | 4,8 |
Days | Days | Days | Days | |
Short term commitment turnover cycle | 89 | 49 | 60 | 11 |
Current financial liquidity indicator | 1.240481972694397 | 1.535959243774414 | 1.387484073638916 | -0,1 |
Net dept to EBITDA | -0.482541024684906 | 0.0998314917087555 | -0.28072088956832886 | -0,4 |
Opinie dotyczące usług, produktów oraz działalności firmy nie są weryfikowane