We belong to the employers' organization - the Conference of Financial Enterprises in Poland, the Polish Association of Receivables Management and the LEWIATAN Confederation by the Świętokrzyski Association of Private Employers Lewiatan. As a member of these organizations, we co-create and promote high industry standards and professional ethics in the debt management and debt collection services market.
As part of secure business financing, we advise and implement individual debt management solutions. The "payment guarantee" we offer is a package of services consisting of:
We offer comprehensive cooperation, i.e. a full package of services "payment guarantee" or in any areas you choose.
82.91.Z - Activities of collection agencies and credit bureaus
64.19.Z - Other monetary intermediation
64.99.Z - Other financial service activities, except insurance and pension funding not elsewhere classified
66.19.Z - Other activities auxiliary to financial services, except insurance and pension funding
69.10.Z - Legal activities
70.22.Z - Business and other management consultancy activities
80.30.Z - Investigation activities
82.20.Z - Activities of call centres
82.99.Z - Other business support service activities not elsewhere classified
2019 | 2020 | 2021 | ||
---|---|---|---|---|
M PLN | M PLN | M PLN | % | |
Net sales | 4,9 | 5,1 | 4,6 | -8,8 |
Liabilities and provisions | 2,5 | 1,9 | 1,9 | 0,2 |
Equity | 5,2 | 5,6 | 2,6 | -53,3 |
Total assets | 7,7 | 7,5 | 4,5 | -39,5 |
Cash and cash equivalents | 0,6 | 0,4 | 0,4 | 4,5 |
Depreciation | 0,2 | 0,2 | 0,1 | -37,7 |
Gross profit / loss | 0,2 | 0,5 | -3 | -735,9 |
EBITDA | 0,5 | 0,8 | -2,8 | -467,4 |
Net profit / loss | 0,1 | 0,3 | -3 | -983 |
Operating profit (EBIT) | 0,3 | 0,6 | -2,9 | -591,5 |
Current assets | 7,3 | 7,3 | 4,4 | -39,2 |
% | % | % | p.p. | |
Return on equity (ROE) | 2,8 | 6 | -114 | -120 |
Return on sales (ROS) | 3 | 6,6 | -64,2 | -70,8 |
Equity ratio | 68 | 74,3 | 57,4 | -16,9 |
EBITDA margin | 11,1 | 15 | -60,3 | -75,3 |
Gross profit margin | 4,3 | 9,2 | -64,2 | -73,4 |
Days | Days | Days | Days | |
Current liabilities turnover ratio | 184 | 32 | 149 | 117 |
Current ratio | 3 | 13,9 | 2,3 | -11,6 |
Net debt to EBITDA | 2,7 | 1,3 | -0,3 | -1,6 |
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