• We treat Clients with dignity
• We help to get out of the debt trap
• We care about the security of personal data

• We do not make empty promises
• We apply a unique approach to the expectations of each of our partners
• We respect all our competitors
• We keep confidential the information
• We avoid conflict of interests
• We do not accept any forms of corruption
• We are committed to long-term and lasting relationships

• We respect the views of all our Employees
• We protect the reputation of our company
• We foster good relations inside KRUK Group
• We help one another
• We are tolerant
• The relations are based on mutual respect and partnership
• We strive to constantly improve our skills

WE BELIEVE IN:

• Truth
• Comprehensiveness
• Continuity
• Speed
• Intelligibility

(Germany, since 2015)

BDIU is a leader and trustworthy representative of the receivables management industry. It promotes responsible dealings between members of the association, creditors and indebted people. The association is a mediator between the receivables management market and the state, representing and growing the industry.

(Germany, since 2015)

BvCM is an association that provides tools for receivables management processes and which minimize losses incurred in connection with non-payment. Members of the association contribute to the development of a pricing policy based on value, and they act to improve working capital.

(Germany, since 2015)

Bundesvereinigung Kreditankauf und Servicing (BKS) association is a federation of German companies operating in the market of so Sub- or Non-Performing Loans, on the site of the creditors. The association was founded in 2007, in Berlin, and represents 25 member companies operating in the area of credit claims management. Politically, the association takes an active part in the trade of the receivables. BKS association is listed in the public register of associations and their representatives.

(Poland, since 2004)

The Conference of Financial Enterprises in Poland was created on 27th October 1999. It was founded by a group of the largest companies in the financial intermediation sector in Poland. The initiative of financial firms arose as an answer to the need of regulating the dynamically developing market of consumer credits. It was decided that the best for of representation for these firms is an employers' union. Since 2003, KPF has invited to co-operation new parties offering additional services for the financial sector—including debt collecting agencies.  More about the company on www.kpf.pl

(USA, since 2007)

The Association of Credit and Collection Professionals is the largest association of debt collecting agencies in the world (with several thousand members at the moment of writing). The organisation serves mostly as a platform to exchange experiences in the receivables management market. Moreover, it ensures that the internal code of ethics and legal standards in the field of debt collecting are observed. More about the company on www.kpf.pl

(Romania, since 2009)

The purpose of the organisation is to implement and promote good standards in accounts receivable management. Furthermore, AMCC’s mission is to change the image of the ARM industry and to conduct educational activities about the problem of debt in business.

(Czech Republic, since 2014)

Among the members of the Association of Debt Collection Companies AIA are Czech companies operating in the ARM market. Through our membership in AIA we want to promote initiatives aimed at building a positive image of the ARM industry and to reinforce the bargaining position of member companies during negotiation and drafting of legislative amendments.

(Slovakia, since 2015)

ASINS is an association in Slovakia established for the purpose of promoting a positive image of receivables management enterprises. Its objective is to represent and protect the interests of its members and also to ensure compliance with legal regulations and stringent ethical principles.