KRUK Group is a financial player whose core business is the management of debt (both owned and outsourced by our Business Partners) in three segments: consumer (unsecured), mortgage-backed and SME/Corporate (both secured and unsecured), resulted from various economical areas: banking, insurance, leasing, telecommunication, cable TV, digital platform, utility and FMCG. 

KRUK Group is a leader in the Central European market and holds recent presence in new countries in Western Europe as well. Currently, we are covering the following markets:  

  • Poland: market leader with 18 years of track record;
  • Romania: leader of the debt purchase market with 9 years of track record;
  • Czech Republic and Slovakia: successful launch of operations in 2011, currently holding a strong position on the debt purchase markets;
  • Germany: successful launch of operations in 2014, first NPL transaction completed in 2015;
  • Italy: successful launch of operations in 2015, with significant investments in unsecured NPL portfolios, as well as acquisition of an operational platform.
  • Spain: successful launch of operations in 2015, with an active presence in the NPL purchasing segment of unsecured receivables.
We safeguard compliance with social and legal norms requiring that everyone must fulfil their obligations, always being respectful to people.
  • Values - We live our values in all we do.

  • People - We want to attract people who share our values and believe that the need for progress never ceases, even if we succeed.

  • Lean - We believe in striving to continually improve the efficiency of our processes. We are not afraid to pin down a problem and look for the best solutions.

    KRUK Group consists of KRUK S.A. and 23 subsidiaries.

    • 2019
    • 2018
    • 2017
    • 2016
    • 2015
    • 2014
    • 2013
    • 2012
    • 2011
    • 2010
    • 2009
    • 2008
    • 2007
    • 2006
    • 2005
    • 2004
    • 2003
    • 2002
    • 1999
    • 1998
    • KRUK purchased 100% shares of LLC
    • KRUK purchased 100% shares based on inkaso market Italian company Agecredit S.r.l.,
    • 20th KRUK Anniversary
    • Execution of a EUR 250m revolving facility agreement with a syndicate of four banks to finance further growth in Europe
    • Completing the integration of the acquired Italian and Spanish companies within the KRUK Group
    • KRUK purchased 100% shares of Italian company Credit Base International S.r.l.
    • KRUK Group won a tender on buying the first debt portfolio on the Spanish market
    • KRUK Group has finalised the acquisition of 100% of shares in Presco Investments S.a.r. with their debt portfolio on the Polish market.
    • Establishing two companies operating in the Italian market—Kruk Italia S.r.l and ItaCapital S.r.l—as well as Spain-operating company—Espana S.L.
    • GPW awards KRUK S.A. with “Stock Exchange Company of the Year” title
    • A historic moment in the Czech and Slovak television—KRUK Group has launched its advertisement campaign in these broadcasting channels
    • Establishing KRUK Deutschland GmbH
    • Purchase and servicing a mortage portfolio
    • 15th anniversary of incorporation of the company
    • Setting up Invest Capital Malta company
    • KRUK TFI joins the Group
    • Debut on WSE and Catalyst
    • Company expands to the Czech and Slovakian markets
    • First TV campaign targeted at people with debts
    • The first edition of Day without Debts
    • Development of new services, implementation of pro-settlement strategy
    • Establishment of KRUK România SRL
    • Poland’s first full securitization of receivables is closed
    • KRUK goes public and joins KPF (Conference of Financial Companies in Poland)
    • Establishment of detective agency
    • First version of the Delfin system implemented
    • Establishment of law firm dedicated to the debt collection process
    • Dynamic development of the company as KRUK becomes No 1 on the debt collection services market
    • Company establishment


    (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


    (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


    (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.

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