KRUK GROUP

The KRUK Group is one of the largest debt management companies in Europe, founded in 1998 in Wrocław. The Group manages debt portfolios in Poland, Romania, Italy, and Spain and also holds assets in France. The Group's main business line is the collection of purchased debt for its own account, primarily unsecured retail debt. Additionally, the Group provides debt management services on commission in Poland, Spain, and Italy and offers consumer loans in Poland and Romania.

KRUK S.A. shares are listed on the Warsaw Stock Exchange (GPW), while its bonds are traded on Catalyst and Nasdaq in Sweden. The company's shares are included in the WIG20 index. The Group employs over 3,500 full-time employees (FTE) and collaborates with the largest financial institutions in Europe.

 

MISSION AND VISION
We guide clients on the path to getting out of debt,
being ethical and effective while educating the public
about responsible finances.
We are building a world of financial balance
based on mutual trust, where promises
and commitments are fully honored.
KRUK GROUP STRUCTURE

KRUK Group consists of KRUK S.A. and 21 subsidiaries.

MILESTONES
  • 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 Wonga.pl 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
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