Idea Getin Leasing
VB Leasing S.A. (branded Idea Getin Leasing / VB Leasing) is a Polish financial leasing company in court-supervised restructuring since July 2023, providing financial and operational leasing of vehicles, machinery, and equipment to Polish SMEs and servicing roughly 27,500 active contracts.
- Company typePrivate
- Founded1998
- HeadquartersWarsaw, Poland
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Idea Getin Leasing does
VB Leasing S.A. w restrukturyzacji, operating commercially under the Idea Getin Leasing and VB Leasing brands, is a Polish financial leasing company founded in 1998 that provides financial and operational leasing of vehicles, machinery, and equipment primarily to small and medium enterprises. Following the resolution of its former parent entities Idea Bank and Getin Noble Bank between 2020 and 2022, the company entered court-supervised sanacja (restructuring) proceedings on July 25, 2023 with initial liabilities of approximately PLN 8.4 billion and a portfolio of roughly 110,000 contracts serving approximately 65,000 customers. As of mid-2026 the company has reduced its obligations to financing entities by approximately 70%, remitted over PLN 1.13 billion in VAT to the Polish state budget, and continues to service roughly 27,500 active contracts through shared customer portals (VB Leasing Portal and Bank Kierowcy Portal) that aggregate clients across the VB Leasing, Idea Getin Leasing, Idea Leasing and Automotive brand families.
The group is organized as a holding with several wholly-owned subsidiaries covering adjacent financial services: Finpulse S.A. (formerly Idea Fleet) manages NPL portfolios with a combined nominal value of approximately PLN 2.8 billion and generates monthly recoveries exceeding PLN 2 million for VB Leasing and VB Leasing Automotive while also investing in its own debt purchases; Leasy Group S.A. handles fleet management and asset remarketing; Multifinance Expert sp. z o.o. provides insurance intermediation; and EDB Services sp. z o.o. and Centrum Asysty Szkodowej sp. z o.o. deliver legal, operational support and claims assistance functions. The technology stack visible externally is limited to two shared web portals and a used-asset auction platform (aukcje.leasycar.pl); no API, SDK, or AI capabilities are disclosed. Pricing is not publicly disclosed and contracts are negotiated individually based on asset type, value and client profile.
Revenue mechanics combine ongoing leasing-servicing income on the residual active book, interest margins on the residual PLN 2.9 billion liability stack, NPL management fees and proprietary recovery income at Finpulse, insurance intermediation commissions at Multifinance Expert, and fleet/remarketing revenue at Leasy Group. Distribution is direct B2B sales to Polish SMEs. The company is managed by court-appointed administrators—AMS Restrukturyzacje sp. z o.o. for VB Leasing S.A. and Kancelaria Restrukturyzacyjna sp. z o.o. for VB Leasing Automotive—following a July 25, 2024 takeover of operational control. The Creditors' Council (Bank Pekao, PZA, PZU, Asseco Data Systems, First Mazovian Tax Office) voted 4:1 on July 14, 2025 to positively endorse the restructuring plan, which contemplates a carve-out and stock-market listing (IPO) of Finpulse with proceeds earmarked to support execution.
Idea Getin Leasing firmographics
Firmographics- Name
- Idea Getin Leasing
- Legal name
- VB Leasing S.A. w restrukturyzacji
- Website
- https://idealeasing.pl
- Company type
- Private
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- VB Leasing S.A. (branded Idea Getin Leasing / VB Leasing) is a Polish financial leasing company in court-supervised restructuring since July 2023, providing financial and operational leasing of vehicles, machinery, and equipment to Polish SMEs and servicing roughly 27,500 active contracts.
- Ownership category
- akta.pro rank
Idea Getin Leasing industry classification
Industry- Product category
- Commercial Leasing Services
- NAICS
- Passenger Car Leasing (532112), Automotive Equipment Rental and Leasing (5321), Passenger Car Rental and Leasing (53211), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324)
- SIC
- Services-Auto Rental & Leasing (No Drivers) (7510), Finance Lessors (6172)
- akta.pro primary industry
- SME & Small Business Vehicle Leasing (TLABAAAB)
- akta.pro secondary industries
- Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA), Leasing & Lease Buyout Financing (FSAKADAC), Consumer/Private Lease & Subscription (Personal Contract Hire) (TLABAAAC)
Keywords
Where Idea Getin Leasing is headquartered
LocationHeadquarters
- HQ city
- Warsaw
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
Idea Getin Leasing business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Distribution channels1 record
Idea Getin Leasing product offering
Product offeringCore offering
Idea Getin Leasing (VB Leasing S.A. w restrukturyzacji) provides financial and operational leasing for vehicles, machinery, and equipment, primarily to Polish small and medium enterprises. The offering is complemented by insurance intermediation products (motor, property, GAP, PPI, legal protection, assistance) and post-leasing asset disposal. The company operates through shared customer portals (VB Leasing Portal and Bank Kierowcy Portal) serving clients across the VB Leasing, Idea Getin Leasing, Idea Leasing, and related automotive brands.
Product overview
VB Leasing operates a multi-brand platform serving leasing and loan contract clients across several entities including VB Leasing, Idea Getin Leasing, and Idea Leasing. The core offerings include financial and operational leasing for vehicles, machinery, and equipment, supplemented by insurance products and NPL portfolio management services. The platform provides shared customer-facing portals (VB Leasing Portal and Bank Kierowcy Portal) that allow clients of Idea Getin Leasing and related brands to manage their contracts, make payments, and access support services.
Differentiator
Problem solved
Functional benefit
Products and services
- Financial and Operational Leasing Financial and operational leasing of vehicles, machinery and equipment for Polish businesses (primarily SMEs), including passenger cars, commercial vehicles, machinery and production equipment. Offered across the VB Leasing, Idea Getin Leasing, Idea Leasing, and Idea Getin Leasing Automotive brands.
- Insurance Products (Ubezpieczenia) Suite of insurance products intermediated alongside leasing contracts: motor insurance (ubezpieczenia komunikacyjne), property insurance (ubezpieczenia majątkowe), GAP insurance, Payment Protection Insurance / PPI (ubezpieczenie spłaty raty), legal protection insurance (ubezpieczenie ochrony prawnej), assistance, and third-party insurance products (ubezpieczenia obce).
- VB Leasing Portal Customer-facing web portal shared by VB Leasing, Idea Getin Leasing and Idea Leasing clients, allowing customers to manage their leasing and loan contracts, view invoices, make payments and access account information.
- Bank Kierowcy Portal Driver bank web portal for clients of VB Leasing Automotive, Idea Getin Leasing Automotive and Getin Leasing, providing fleet management and driver-related services.
- Post-Leasing Asset Auctions (Licytacje poleasingowe) Online auctions platform for disposal of post-leasing assets including vehicles, machinery and equipment, operated under aukcje.vbleasing.pl and aukcje.leasycar.pl.
- NPL Portfolio Management (Finpulse S.A.) Non-performing loan portfolio management services provided by subsidiary Finpulse S.A. to VB Leasing and VB Leasing Automotive, covering approximately 2.8 bln PLN of NPL portfolios and generating over 2 million PLN in monthly inflows, plus proprietary investment in NPL portfolios (over 53 million PLN invested since March 2025 with nearly 21 million PLN in repayments by end-June 2026).
Companies that use Idea Getin Leasing
Customer profileSegments1 record
Ideal customer profiles1 record
Idea Getin Leasing technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Idea Getin Leasing partnerships and signals
Strategic signalScale indicators1 record
Recent moves9 records
Expansion highlights5 records
Idea Getin Leasing competitors and assessment
Company assessmentDirect peers
- Millennium Leasing: Leasing arm of Bank Millennium in Poland, providing vehicle and equipment financing to SMEs and corporates. Comparable in scale, segment, and product breadth.
- mLeasing (mBank Group): Captive leasing arm of mBank, one of Poland's largest commercial banks, providing vehicle and equipment leasing to Polish businesses. Closely comparable in product mix, customer segment, and B2B distribution.
- EFL (Europejski Fundusz Leasingowy): Part of the Crédit Agricole group and one of the largest Polish leasing companies. Comparable as a multi-asset, SME-oriented lessor with overlapping product offering and distribution model.
- PKO Leasing (PKO Bank Hipoteczny / PKO Leasing): A major Polish vehicle and equipment leasing subsidiary of PKO BP, the largest Polish bank. Directly comparable as a domestic SME-focused lessor operating in the same regulatory and competitive environment as VB Leasing.
- ING Lease (Poland): Polish leasing subsidiary of ING Bank Śląski offering vehicles, equipment, and fleet leasing. Comparable captive-lessor model and SME customer focus.
- Santander Leasing (Poland): Captive leasing entity of Santander Bank Polska, offering vehicle and equipment leasing to corporate and SME clients. Direct competitor in the Polish SME leasing market.
- Raiffeisen Leasing Poland: Polish subsidiary of the Raiffeisen group's leasing business, serving SMEs with vehicle and equipment leases. Direct competitor with similar target customers.
Broad incumbents
- LeasePlan / Ayvens: Global fleet management and vehicle leasing major (now operating as Ayvens) with significant Polish presence. Comparable for the corporate vehicle leasing and fleet management services provided by VB Leasing Automotive and Bank Kierowcy.
- ALD Automotive / Société Générale: International corporate fleet leasing and management business, part of Société Générale, operating across Europe including Poland. Comparable as a large-scale incumbent in operational vehicle leasing.
Regional players
- Getin Noble Bank (pre-resolution peer): Predecessor banking entity within the same former Leszek Czarnecki-controlled group, now operating as VeloBank. Relevant historical peer for understanding VB Leasing's origin, customer base, and the resolution chain that led to its restructuring.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Idea Getin Leasing social profiles
Digital presenceIdea Getin Leasing financial estimates
Financial estimateRevenue estimate
Valuation estimate
Idea Getin Leasing leadership team
Management profileNumber of profiles
Profiles3 records
Idea Getin Leasing subsidiaries and ownership
Company hierarchySubsidiaries8 records
Idea Getin Leasing funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Idea Getin Leasing M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Idea Getin Leasing
What does Idea Getin Leasing do?
Idea Getin Leasing (VB Leasing S.A. w restrukturyzacji) provides financial and operational leasing for vehicles, machinery, and equipment, primarily to Polish small and medium enterprises. The offering is complemented by insurance intermediation products (motor, property, GAP, PPI, legal protection, assistance) and post-leasing asset disposal. The company operates through shared customer portals (VB Leasing Portal and Bank Kierowcy Portal) serving clients across the VB Leasing, Idea Getin Leasing, Idea Leasing, and related automotive brands.
Is Idea Getin Leasing a public or private company?
Idea Getin Leasing is a private company. It is classified as unknown and is currently operating.
When was Idea Getin Leasing founded?
Idea Getin Leasing was founded in 1998. It employs 11 to 50 people.
Where is Idea Getin Leasing based?
Idea Getin Leasing is headquartered in Warsaw, Poland, in the Europe region.
Who are Idea Getin Leasing's main competitors?
Direct peers on record are Millennium Leasing, mLeasing (mBank Group), EFL (Europejski Fundusz Leasingowy), PKO Leasing (PKO Bank Hipoteczny / PKO Leasing), ING Lease (Poland), Santander Leasing (Poland) and Raiffeisen Leasing Poland. Broad incumbents are LeasePlan / Ayvens and ALD Automotive / Société Générale. Getin Noble Bank (pre-resolution peer) is listed as a regional player.
Does Idea Getin Leasing have an API?
No public API is recorded for Idea Getin Leasing.
What industry is Idea Getin Leasing in?
Idea Getin Leasing's product category is Commercial Leasing Services. Its primary akta.pro industry code is TLABAAAB, SME & Small Business Vehicle Leasing, with a secondary code of TLABAAAA, Corporate/Enterprise Car Leasing (Closed-End/Open-End). Its NAICS code is 532112 and its SIC code is 7510.