Polish micro-enterprises suspicious of debt collection


Image by Roman Motizov / Shutterstock.com

Smaller Polish companies approach debt collection from a distance and have difficulty collecting payments for their work, writes the Warsaw Business Journal.

Compared to companies employing more than 10 people, micro-companies more often carry out debt collection on their own.

The vast majority, 78% of them, over the past two years, have used the services of professional companies against less than 5% of their debtors, according to a study by Kaczmarski Inkasso. The total debt of Polish companies registered in the National Debt Register (KRD) currently stands at PLN 11.5 billion (approximately € 2.53 billion). Most of this, nearly 63%, is made up of debts to the financial sector (banks, debt collection, leasing, factoring and insurance companies). It exceeds PLN 7.3 billion. On average, an indebted company has a debt of almost 24,000 PLN (5,271 EUR).

Refraining from claiming money from smaller businesses is often associated with fear of losing an entrepreneur and ignorance of market opportunities. Although the vast majority of businesses have already discovered that professional debt collection is an effective way to get their money back and maintain financial liquidity, many of the smaller entities still approach it with suspicion.

More than three-quarters of micro-enterprises, that is, those employing less than 10 employees, submitted unpaid invoices for collection to less than 5% of their debtors in the past 24 months. Every 6th decided to do so in the 6-10% range of unreliable entrepreneurs. Only 6% perceive more than a 10th non-paying business partner.

“The larger the company, the more we are aware that recourse to debt collection does not weaken the company’s image or contacts with principals. On the contrary, ordering debt collection from professionals is a clear signal to the environment that the business cares about finances and will not endanger its business due to unreliable subcontractors. It also makes it more believable. According to our research, such an opinion is confirmed by no less than three quarters of representatives of large and medium-sized enterprises in the SME sector This assessment is also shared by micro and small enterprises ”, said Jakub Kostecki, Chairman of the Board of Directors by Kaczmarski Inkasso.


Producing worthy journalism is an expensive endeavor. For 27 years, the editors, editors and journalists of the Budapest Business Journal have strived to bring you business news that works – information that is reliable, factual, accurate and presented without fear or favor.

News organizations around the world have struggled to find a business model that allows them to continue to excel, without compromising their ability to perform. More recently, some have experimented with the idea of ​​involving their most important stakeholders, their readers.

We want to offer this same opportunity to our readers. We would like to invite you to help us provide the quality business journalism you need. Hit our Support BBJ button and you can choose how much and how often you send us your contributions.


Comments are closed.