Kaczmarski Inkasso

What Kaczmarski Inkasso does

Kaczmarski Inkasso is a Polish debt collection and receivables management firm founded in 1992 and headquartered in Wrocław, operating as a private partnership within the Kaczmarski Group. The company offers the full receivables lifecycle for B2B and B2C creditors — amicable collection (negotiations, payment reminders, SMS/email, field visits), court and enforcement collection (via affiliated Kancelaria Prawna VIA LEX), receivables monitoring, a debt exchange marketplace (Giełda wierzytelności), and securitized receivables servicing under a KNF permit. Its proprietary technology stack centers on WinGO.pl, a self-service web platform launched in 2021 that enables 24/7 case submission and real-time tracking, supplemented by direct ERP and accounting platform integrations and exclusive authorized access to the KRD BIG SA national credit registry.

The company serves two distinct customer segments. SMEs access the service self-serve through WinGO.pl, while large institutional clients — banks, leasing companies, insurers, telecoms, and SKOK credit unions — are managed through dedicated account managers with individually negotiated contracts. Pricing is purely success-based: Kaczmarski Inkasso charges commission only after debt recovery, with no upfront fees, and operating costs can be passed to the debtor under Poland's Anti-Delay Act. The business holds ISO 9001:2015 and ISO/IEC 27001:2022 certifications, passes annual ZPF Ethical Audits, and has been recognized as the Polish market leader in debt collection by Gazeta Finansowa's Lider Windykacji rankings in multiple consecutive years.

Monetization is driven by case volume rather than fixed fees, with revenue mechanics spanning transaction commissions on amicable collection, individually negotiated terms on judicial/enforcement matters, and fee-based servicing for securitization funds. The company has no public funding history and does not disclose financials; its 51–100 employee base, multi-decade market leadership, and Kaczmarski Group ecosystem (KRD BIG SA, NFG SA, VIA LEX) position it as a mature, mid-sized Polish market leader rather than a high-growth challenger.

Name

Kaczmarski Inkasso

Legal name

Kaczmarski Inkasso Spółka jawna

Website

https://kaczmarski.pl

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

51–100 employees

Short description

Kaczmarski Inkasso is a Polish debt collection and receivables management firm founded in 1992, serving banks, leasing firms, insurers, telecoms, and SMEs with amicable collection, judicial recovery, and securitized receivables servicing under a KNF permit, operated via the WinGO.pl platform and the Kaczmarski Group ecosystem.

Ownership category

akta.pro rank

Product category

Debt Collection and Receivables Management Services

NAICS

Collection Agencies (56144), Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

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

akta.pro secondary industries

Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG), Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery) (BPAAAEAE), Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB)

Keywords

• Debt collection services
• Receivables management
• Amicable collection
• Judicial enforcement
• Securitized receivables

Headquarters

HQ city

Wroclaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission on Successful Debt Recovery: Kaczmarski Inkasso charges a success-based commission (prowizja od sukcesu) only after money is recovered from the debtor. No upfront fees or other charges are applied. This is the primary revenue model for the company, applying to both amicable and judicial collection services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Kaczmarski Inkasso is a Polish debt collection and receivables management company that recovers unpaid invoices and outstanding receivables on behalf of businesses. Its services span amicable collection, judicial and enforcement proceedings, receivables monitoring, securitized receivables management, and a debt exchange marketplace. The company charges a success-based commission only after funds are recovered, and integrates with KRD BIG SA to list debtors in Poland's national credit bureau.

Product overview

Kaczmarski Inkasso operates as a multi-product debt management ecosystem rather than a single product. The core portfolio centers on amicable debt collection (Windykacja polubowna) and court-enforcement debt collection (Windykacja sądowo-egzekucyjna), supported by supplementary services: WinGO.pl (online order submission and case tracking platform), Monitoring należności (receivables monitoring), Giełda wierzytelności (debt exchange/marketplace), Zarządzanie Wierzytelnościami Sekurytyzowanymi (securitized receivables management for KNF-licensed fund servicing), and Doradztwo (advisory services). The ecosystem is anchored by its authorized partnership with Krajowy Rejestr Długów BIG SA and backed by the Kaczmarski Group, enabling end-to-end coverage from pre-litigation through court action and debt sale.

Differentiator

Problem solved

Functional benefit

Brands

• WinGO.pl: Online application for submitting debt collection cases and tracking their progress
• Giełda wierzytelności
• Windykacja polubowna

Products and services

• WinGO.pl An online platform enabling businesses to submit debt collection orders digitally and track the status of their cases 24/7. Provides real-time case monitoring and dashboards, eliminating the need for phone-based referrals.
• Windykacja polubowna (Amicable Debt Collection) Amicable debt collection service focused on negotiated settlement without court involvement. Includes phone calls, payment reminders, email/SMS campaigns, field visits, and debtor listing in KRD BIG SA. Maximum 90-day amicable process with costs transferred to the debtor under Polish Anti-Delay Act.
• Windykacja sądowo-egzekucyjna (Court and Enforcement Debt Collection) Legal debt collection service covering judicial proceedings (payment orders, EPU) and enforcement via bailiffs, including judicial disclosure of assets, bankruptcy petitions, and recovery from third-party debtors. Delivered through affiliated law firm VIA LEX.
• Monitoring należności (Receivables Monitoring) Individual monitoring process for clients' customers, providing reminders of approaching payment deadlines, real-time debtor balance updates, and early identification of potentially unreliable counterparties to minimize financial loss risk.
• Giełda wierzytelności (Debt Exchange) Online marketplace enabling creditors to list their outstanding debts for sale. Supports debt valuation, publication, and positioning of debt sale offers with SEO exposure on Google to attract potential buyers.
• Zarządzanie Wierzytelnościami Sekurytyzowanymi (Securitized Receivables Management) Management of securitized receivables for securitization funds, provided under Financial Supervision Commission (KNF) permit. Covers portfolio analysis, process optimization, reporting, and performance monitoring as a servicer.
• Doradztwo (Advisory Services) Expert advisory services on debt collection strategies and receivables management optimization, including analysis of clients' existing procedures and recommendations for improving cash flow and payment discipline.

Quantifiable outcome

• 8 out of 10 cases result in debt repayment (80%+ effectiveness rate)
• +3 more outcomes

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Krajowy Rejestr Długów BIG SA (KRD BIG SA)coreTechnology or IntegrationKaczmarski Inkasso is the only authorized partner of Krajowy Rejestr Długów BIG SA. This partnership provides the company with unique access to publish debtor data in Poland's largest credit bureau, serving as a powerful negotiation tool. The KRD integration enables the company to list debtors, send notifications, and leverage credit bureau data for debtor profiling and risk assessment. Both entities are part of the Kaczmarski Group ecosystem.
• Kancelaria Prawna VIA LEX L. Szcześniak i Wspólnicy Sp. k.coreStrategic or Co-development PartnerVIA LEX is an affiliated law firm specializing in judicial and enforcement debt recovery. It provides court proceedings, enforcement actions, and legal support services that Kaczmarski Inkasso recommends when amicable collection fails. The two companies operate as an integrated service offering within the Kaczmarski Group, with VIA LEX handling all legal stages: court proceedings, enforcement, and supplementary actions such as bankruptcy filings and asset discovery.
• Związek Przedsiębiorstw Finansowych w Polsce (ZPF)coreOthersKaczmarski Inkasso is a member of ZPF (Association of Financial Enterprises in Poland). The company undergoes annual Ethical Audits conducted by the ZPF Ethics Commission, verifying compliance with ZPF's Good Practice Principles. Passing the audit grants the company a ZPF Ethical Audit Certificate. ZPF organizes the prestigious CESSIO awards which Kaczmarski Inkasso has won multiple consecutive years.
• Rzetelna FirmaminorGTM or Marketing PartnerKaczmarski Inkasso participates in the Rzetelna Firma program, a national business credibility certification program that promotes trustworthiness and honesty in business. The program awards the only Credibility Certificate confirming the absence of unpaid obligations recorded in KRD BIG.
• ERP and Accounting Software ProviderscoreTechnology or IntegrationKaczmarski Inkasso has built integration partnerships with ERP and accounting software platforms, embedding its debt collection functionality directly into business management tools. This enables clients to submit debt collection cases with one click from within their existing software. The company is actively expanding its partner network for these integrations.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• EOS Group:
• Intrum AB: Sweden-based global debt collection and credit management leader, operating in Poland through Intrum Poland. Comparable in serving Polish banks and large corporates with end-to-end receivables services, but at far larger scale and as part of a pan-European portfolio offering.

Direct peers

• KRUK S.A. Polish-listed leader in debt management, both purchasing and servicing receivables. Closest direct peer: same Polish market, similar bank and corporate clients, comparable service portfolio (amicable, judicial, monitoring), but operates at much larger scale and owns debt portfolios rather than servicing purely on commission.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Inkasso