KRUK Spólka Akcyjna




MarketCap PL

PL Poland


KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally. The company operates through Debt Purchase, Credit Management, and Other segments. It purchases and manages debt portfolios, including consumer, mortgage-backed, and corporate debts; and offers consumer unsecured, mortgage, and SME/corporate loans, as well as credit management services. The company also manages the receivables of banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and FMCG companies. In addition, it provides Novum loan services; detective services; financial intermediation agency services; and auxiliary services to small and medium-sized enterprises. Further, the company collects, processes, and provides credit information on natural persons; offers receivable management services; and portfolio underwriting services. Additionally, the company invests in receivables and certificates of securitization funds; and acquires agricultural real estate properties. KRUK Spólka Akcyjna was founded in 1998 and is headquartered in Wroclaw, Poland.


KRUK Spólka Akcyjna was established in 1998 in Estonia by Zygmunt Kruk, and became one of the first private debt collection agencies in Central and Eastern Europe. In 2000, KRUK followed the first wave of financial expansion in Romania and established an office in Bucharest. The company listed itself in the Warsaw Stock Exchange in 2005. In the following years, KRUK has grown from a small regional business, with approximately 400 employees, to become a leader in the debt purchase and debt collection industry and one of the largest companies in the Central and Eastern European region.

Our mission is to provide innovative financial solutions for individuals, companies and institutions and to offer our customers and partners the highest possible standards of quality, professionalism, confidentiality and efficiency in our activities.

Our vision is to be the leading debt purchase and debt collection company in the Central and Eastern European region and to strive for the highest standards of ethical and sustainable finance.

Key Team

Mr. Piotr Kowalewski (COO & Member of the Management Board)

Mr. Adam Lodygowski (Member of Management Board and Chief Data & Technology Officer)

Mr. Damian Babka (Investor Relations & Bus. Devel. Mang.)

Recognition and Awards
KRUK has been recognized and rewarded by prestigious international bank organizations and independent experts in financial services. The company has been awarded several times – in 2008, 2010, 2011, 2013 and 2014 – with the ‘Best Debt Collection Agency in Europe’ by the European Banking Federation. In 2015, KRUK was awarded the ‘Best in Business’ prize within the European Debt purchase Association Annual Awards recognizing KRUK’s outstanding performance and contribution to the industry.

KRUK Spólka Akcyjna
Leadership team

Mr. Piotr Krupa (Pres of the Management Board & CEO)

Mr. Michal Zasepa (CFO & Member of the Management Board)

Ms. Urszula Okarma (Chief Investment Officer & Member of the Management Board)

Products/ Services
Debt Collections, Finance, Financial Services
Number of Employees
1,000 - 20,000
Wroclaw, Dolnoslaskie, Poland
Net Income
100M - 500M
100M - 500M
Traded as
Social Media
Sun Mar 03 2024

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