Association "Bielskie Centrum Przedsiębiorczości" is a non-governmental non-governmental organization operating since April 1994.
The aim of the Association is:
- supporting the development of individual entrepreneurship,
- active combating of unemployment by providing assistance to the unemployed,
- undertaking and supporting social and economic initiatives in the field of supporting entrepreneurship,
- development of the region's economic potential and improvement of the quality of life of the local community.
1.
The Association of Bielskie Centrum Przedsiębiorczości as a result of signing a contract with the European Investment Bank offers a new financial service for people planning to start operations:
Preferential financial support "Start Loan"
Financial terms of the preferential loan:
- interest rate - 0.25%,
- up to PLN 120,000,
- repayment period of up to 7 years (84 months),
- a grace period for repayment of capital up to 12 months,
- handling fee - PLN 0,
- own contribution - PLN 0.
Who can apply for a loan?
The following individuals can apply for loan support:
- reside in the province Silesia and plan to launch a business in the Śląskie Voivodeship,
- are unemployed or professionally inactive (not working),
- have completed 30 years of age and have not been punished for tax offenses and enjoy full public rights and have full legal capacity,
- they did not have registered business activity within 12 months before submitting the loan application,
- they do not use other public funds, in particular the Labor Fund, PFRON, RDP and ESF funds related to starting and running a business
details on the website:
http://www.bcp.org.pl/fundusz-pozyczkowy/pozyczki-na-start
Please contact us at 334960240;
The financial resources of the LOANS FOR START fund come from the European Social Fund under the Regional Operational Program of the Śląskie Voivodeship for 2014-2020 (RPO WSL 2014 to 2020), Priority axis VII, Measure 7.5 - Support for people intending to start a business through financial instruments, Specific objective - Development of entrepreneurship and self-employment and own resources of the Association of Bielskie Centrum Przedsiębiorczości.
2. Loan fund for existing enterprises - EU bussiness for functioning companies:
Financial terms of the loan
Details at http://www.bcp.org.pl/fundusz-pozyczkowy/na-jakich- conditions
64.92.Z - Other credit granting
68.20.Z - Rental and operating of own or leased real estate
69.20.Z - Accounting, bookkeeping and auditing activities; tax consultancy
77.33.Z - Rental and leasing of office machinery and equipment, including computers
77.39.Z - Rental and leasing of other machinery, equipment and tangible goods not elsewhere classified
82.19.Z - Photocopying, document preparation and other specialised office support activities
82.30.Z - Organisation of conventions and trade shows
85.59.B - Other out-of-school forms of education, not elsewhere classified
85.60.Z - Educational support activities
94.99.Z - Activities of other membership organisations not elsewhere classified
2017 | 2018 | ||
---|---|---|---|
M PLN | M PLN | % | |
Net sales | 3,6 | 8,9 | 151,1 |
Liabilities and provisions | 0,9 | 8,4 | 805 |
Equity | 14,5 | 14,9 | 2,8 |
Total assets | 15,4 | 23,3 | 51,3 |
Cash and cash equivalents | 8,5 | 17,4 | 104,9 |
Depreciation | 0 | 0 | -10,8 |
Gross profit / loss | 0 | 0,4 | 3624,4 |
EBITDA | -0,2 | 0,2 | 216 |
Net profit / loss | 0 | 0,4 | 3407,5 |
Operating profit (EBIT) | -0,2 | 0,2 | 188,2 |
Current assets | 10,6 | 19,6 | 84 |
% | % | p.p. | |
Return on equity (ROE) | 0,1 | 2,7 | 2,6 |
Return on sales (ROS) | 0,3 | 4,5 | 4,2 |
Equity ratio | 94 | 63,8 | -30,2 |
EBITDA margin | -5,4 | 2,5 | 7,9 |
Gross profit margin | 0,3 | 4,8 | 4,5 |
Days | Days | Days | |
Current liabilities turnover ratio | 44 | 24 | -20 |
Current ratio | 11,4 | 8,9 | -2,5 |
Net debt to EBITDA | 44,5 | -50,5 | -95 |
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