Kaczmarski Group

What Kaczmarski Group does

Kaczmarski Group is a privately held Polish financial services and business information group headquartered in Wrocław, structured as a spółka jawna (general partnership) with partners' contributions of 50,000,000 PLN and 501–1,000 employees. It operates an integrated ecosystem of 15+ sub-brands covering the full B2B financial lifecycle: business verification and credit reporting via KRD (Krajowy Rejestr Długów BIG S.A.) and RiskRadar; debt collection through Kaczmarski Inkasso, WinGO.pl and the VIA LEX law firm; business liquidity via NFG (eGotówka cash advances and factoring) and Fakturatka BNPL; and reputation management through Rzetelna Firma (40,000+ member companies). Consumer-facing offerings include ChronPESEL identity protection and the iLeMoge financial capability tool.

The underlying technology stack is anchored by proprietary machine learning models developed through an EU-funded R&D project (2020–2021, project value 2,073,800 PLN). These models evaluate business creditworthiness and value receivables based on predicted collection effectiveness, continuously improving via learning from the group's own debt collection and KRD data. Distribution is multi-channel: a self-serve KG Panel portal, a mobile-first KG Mobile app (iOS/Android) with biometric authentication, the API Raport+ integration for programmatic B2B access, and a centralized customer service center. Public sources do not disclose revenue, pricing tiers, or customer-level financials.

The business model combines commission-based debt collection (no upfront fees, payment only on recovery), recurring subscription revenue from verification/monitoring services and the Rzetelna Firma program, transaction-based revenue from financial products (eGotówka, factoring, BNPL), and professional services fees from VIA LEX legal work. Primary customers are Polish SMEs and enterprises seeking partner verification, receivables recovery, and liquidity; secondary customers are individual Polish consumers using identity protection services. Kaczmarski Inkasso is ranked #1 in Poland's Gazeta Finansowa 'Liderzy windykacji' 2026 ranking, and VIA LEX ranks 5th in Rzeczpospolita's Legal Firms Ranking.

Name

Kaczmarski Group

Legal name

Kaczmarski Group spółka jawna

Website

https://kaczmarskigroup.pl

Company type

Private

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Kaczmarski Group is a privately held Polish financial services group operating an integrated ecosystem of 15+ brands providing business verification, debt collection, financing, and legal services primarily to Polish SMEs and enterprises, with select consumer identity-protection offerings.

Ownership category

akta.pro rank

Product category

Business Credit Reporting & Debt Collection

NAICS

Sales Financing (52222)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industries

Third-Party Collection Agencies (Consumer) (FSAKAJAB), Customer Identity (KYC/CDD/EDD) & Onboarding (FSAMAMAA)

Keywords

• Business credit reporting
• Debt collection services
• Business verification
• Commercial credit information
• Business financing

Headquarters

HQ city

Wroclaw

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Debt Collection Services: Commission-based debt collection services including amicable collection (Windykacja polubowna), court-enforced collection (Windykacja sądowo-egzekucyjna), and online collection (WinGO.pl). Settlement is based on commission from actually recovered amounts.
2. Business Verification and Credit Reporting: Company verification services including Raport+, business monitoring, and creditworthiness reporting. API access for programmatic use.
3. Financial Products: Cash advances for businesses (eGotówka), factoring services (via NFG), installment purchases for businesses (via Fakturatka), and business financing solutions.
4. Legal Services: Legal advisory and representation through VIA LEX law firm, including court proceedings and legal assistance for business operations.
5. Business Reputation Programs: Rzetelna Firma program membership for businesses seeking to promote their reliability and positive market reputation.

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Kaczmarski Group operates a multi-brand financial services ecosystem providing Polish businesses with company verification and credit reporting (via KRD, API Raport+, and RiskRadar), debt collection services (via Kaczmarski Inkasso, VIA LEX law firm, and WinGO.pl), business financing and liquidity solutions (via NFG's eGotówka cash advances, factoring, and Fakturatka buy-now-pay-later), and business credibility certification (via Rzetelna Firma, with 40,000+ member companies). The group also offers consumer services including PESEL identity protection (ChronPESEL) and a mobile verification app (KG Mobile) for both iOS and Android.

Product overview

Kaczmarski Group operates as a diversified financial services ecosystem comprising multiple interconnected platforms and services. The core portfolio centers on: (1) business verification and creditworthiness assessment via KRD, API Raport+, and RiskRadar; (2) debt collection through Kaczmarski Inkasso, VIA LEX (legal), and WinGO.pl (online); (3) financial liquidity solutions via NFG (eGotówka, factoring) and Fakturatka; (4) business reliability certification through Rzetelna Firma; and (5) consumer services including ChronPESEL and KG Mobile application. The ecosystem serves both B2B and B2C segments with integrated services for company verification, debt management, financial access, and legal support.

Differentiator

Problem solved

Functional benefit

Brands

• KRD (Krajowy Rejestr Długów): Business Information Bureau - debt registry service protecting companies from dishonest contractors
• Rzetelna Firma
• Kaczmarski Inkasso
• NFG (Narodowy Fundusz Gwarancyjny)
• Fakturatka
• RiskRadar
• ChronPESEL
• VIA LEX
• Kapitalna Firma
• FairPay
• EasyCheck
• TransparentData
• WinGO
• Sprawdzaj
• KG Mobile

Products and services

• KG Mobile Application Mobile application for iOS and Android that enables businesses to verify companies in seconds via NIP or company name, with simplified authentication (biometrics, face scan, PIN) and access to the Kaczmarski Group service portfolio. Targets business users who need on-the-go verification and monitoring.
• API Raport+

Quantifiable outcome

• 80% of cases transferred for collection are recovered
• +1 more outcomes

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature4 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Posadzimy sp. z o.o.minorStrategic or Co-development PartnerPartnership for environmental initiative 'Sadzimy lepsze jutro' (Planting a better tomorrow). For each customer switching to e-invoicing, Kaczmarski Group plants a tree through Posadzimy. The partner company handles tree species selection, terrain preparation, and planting method decisions for forest renewal and land reclamation projects across Polish municipalities.
• KRD BIG S.A. (Krajowy Rejestr Długów Biuro Informacji Gospodarczej)coreTechnology or IntegrationCore data partner providing negative and positive credit information. API Raport+ integrates KRD BIG S.A. data including payment reliability categories, commercial credit limits, and debtor information. KRD is a subsidiary within the Kaczmarski Group ecosystem.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Atradius: Global credit insurance and debt collection provider operating across Europe. Comparable to the broader Kaczmarski ecosystem through overlapping services in commercial credit information, collections and trade credit management.
• Coface: Global credit insurance provider that also sells business information and creditworthiness data. Adjacent in customer base (corporates and factoring companies) and overlaps with KRD/RiskRadar on trade credit intelligence, but with a much wider product portfolio.
• Allianz Trade (formerly Euler Hermes): World-leading trade credit insurer with significant business information and credit scoring operations. Comparable to KRD on company credit data and to Kaczmarski's factoring-adjacent services through shared customer base of exporters, banks and factoring companies.
• LexisNexis Risk Solutions: Large-scale data, analytics and identity verification provider serving financial services and fintech. Comparable to API Raport+ and KRD on KYC/AML data products and decisioning analytics, though operating at much larger scale and across more geographies.

Direct peers

• Creditreform: German-headquartered group operating business information bureaus and debt collection services across Europe, including Poland. Directly comparable to KRD/Kaczmarski on the credit bureau + collection stack, with a comparable B2B verification and recovery value proposition.
• Biuro Informacji Kredytowej (BIK): Poland's principal consumer credit bureau, operated jointly by major Polish banks. Comparable to KRD BIG on credit registry operations and credit scoring, although BIK focuses on consumer credit while KRD's BIG registry emphasizes B2B payment reliability.
• Intrum: Europe's largest debt collection and credit management company, ranked #2 in the 2026 Polish 'Liderzy windykacji' ranking directly behind Kaczmarski Inkasso. Highly comparable in core service offering (amicable and judicial collection, credit information) with a much broader international footprint.
• Bisnode (now Dun & Bradstreet): European business information provider with deep coverage of Polish company data and credit risk analytics. Directly competes with KRD and API Raport+ on B2B verification, credit scoring and decisioning data products.
• Kancelaria Radców Prawnych Ryszewski, Szubierajski sp.k. Polish law firm ranked #3 in the same 2026 'Liderzy windykacji' ranking behind Kaczmarski Inkasso and Intrum. Directly comparable in judicial debt recovery services, making it a head-to-head competitor in the Polish legal-collection segment alongside VIA LEX.

Others

• Kaczmarski Inkasso: Listed for completeness as the debt collection subsidiary of Kaczmarski Group itself; not a peer but illustrates how the group's core operating brand compares against the broader peer set on case volume and ranking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/KaczmarskiGroup
• LinkedInlinkedin.com/company/kaczmarskigroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries14 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kaczmarski Group