Getin Leasing S A

What Getin Leasing S A does

VB Leasing S.A. w restrukturyzacji (legally operated under the tradenames VB Leasing, Idea Getin Leasing, and Idea Leasing) is a Wrocław-headquartered Polish leasing company founded in 1998, specializing in financial and operational leasing of vehicles, machinery, and equipment for small and medium enterprises (SMEs). The company historically operated for over 25 years on the Polish leasing market and currently services a remaining portfolio of approximately 27,500 active lease and loan contracts across roughly 51,000 SME customers. Its product set includes financial and operational leasing priced in PLN with variable rates indexed to WIBOR 3M, a bundled insurance product suite (motor, property, GAP, PPI, legal protection, and assistance), and post-leasing asset disposal through the LeasyCar online auction platform.

The company operates a group structure with six key subsidiaries: Finpulse S.A. (NPL portfolio management and debt investment, managing ~2.8 billion PLN in distressed assets and generating ~2 million PLN monthly in recoveries), Leasy Group S.A. (fleet management and the LeasyCar auction platform), Multifinance Expert (insurance intermediation), EDB Services (legal/operational support), and Centrum Asysty Szkodowej (damage claims handling). Customer-facing technology is delivered through two client portals — the VB Leasing Portal and the Bank Kierowcy Portal — providing access to contracts, e-invoices, and document management. Since the opening of court-sanctioned sanacja (restructuring) proceedings on July 25, 2023, the company has been under the operational management of court-appointed administrators AMS Restrukturyzacje and Kancelaria Restrukturyzacje, with the restructuring plan approved by the Creditors' Council on July 14, 2025.

The business model combines leasing margin on a run-off portfolio, fee-based insurance intermediation, NPL servicing and investment revenues through Finpulse, and post-leasing asset sales. Following the loss of financing partners Idea Bank (forced resolution 2020) and Getin Noble Bank (forced resolution 2022), and VeloBank's June 2023 termination of financing agreements, VB Leasing has reduced its obligations to financing entities by nearly 70% (from 8.4 billion PLN to 2.9 billion PLN) through monthly repayments of 80-100 million PLN. The company is majority-owned (50.01%) by LC Corp B.V. (Leszek Czarnecki) with the remaining 49.99% held by the bankruptcy estate of Idea Bank S.A., and is not publicly listed, though the restructuring plan contemplates a potential IPO of Finpulse.

Name

Getin Leasing S A

Legal name

VB Leasing S.A. w restrukturyzacji

Website

https://getinleasing.pl

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

VB Leasing S.A. is a Polish SME-focused leasing company (vehicles, machinery, equipment) operating under court-sanctioned restructuring since July 2023, servicing ~27,500 active contracts while its Finpulse subsidiary manages ~2.8 billion PLN in NPL portfolios.

Ownership category

akta.pro rank

Product category

Equipment and Vehicle Leasing

NAICS

Automotive Equipment Rental and Leasing (5321), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Passenger Car Leasing (532112)

SIC

Finance Lessors (6172), Services-Auto Rental & Leasing (No Drivers) (7510), Services-Equipment Rental & Leasing, Nec (7359)

akta.pro primary industry

Auto & Vehicle Leasing (Personal Use) (FSAKANAA)

akta.pro secondary industries

Lease Servicing, Management & Remarketing (Consumer) (FSAKANAL), Salvage, Total Loss & Insurance Auction Services (TLABAKAH)

Keywords

• Vehicle leasing services
• Equipment leasing
• SME financing
• NPL portfolio management
• Leasing insurance products

Headquarters

HQ city

Wrocław

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing Operations: Operating and financial leasing of vehicles, machinery and equipment for SMEs. Revenue generated from lease installments, residual value, and early termination fees.
2. Loan Servicing: Servicing of loan agreements, managing approximately 27,500 active contracts in the restructuring portfolio.
3. Insurance Intermediation: VB Leasing acts as insurance agent offering motor insurance, property insurance, GAP insurance, PPI insurance, legal protection insurance, and assistance services through Multifinance Expert.
4. NPL Portfolio Management (Finpulse): Finpulse manages distressed assets/NPL portfolios for VB Leasing Group, generating monthly recoveries of approximately 2 million PLN. The company also invests in purchased debt portfolios.
5. Post-Leasing Item Sales: Sale of repossessed vehicles, machinery and equipment through auctions (LeasyCar platform).

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels3 records

Core offering

VB Leasing provides financial and operational leasing of vehicles, machinery, and equipment to small and medium enterprises in Poland, supplemented by bundled insurance products (motor, property, GAP, PPI, legal protection, and assistance) intermediated through subsidiary Multifinance Expert. The company also disposes of returned leased assets via the LeasyCar auction platform and manages non-performing loan portfolios through subsidiary Finpulse S.A., which handles approximately 2.8 billion PLN in NPLs and generates around 2 million PLN in monthly recoveries.

Product overview

VB Leasing S.A. w restrukturyzacji operates a comprehensive leasing platform offering financial and operational leasing for vehicles, machinery, and equipment primarily to small and medium enterprises (SMEs). The product portfolio includes two core leasing products (financial and operational leasing), supported by a suite of insurance products (motor, property, GAP, PPI, legal protection, and assistance), an online pre-leased asset auction platform (LeasyCar), and client portals for account management. The company also operates through subsidiary Finpulse SA for NPL debt management. Services are delivered through authorized workshop networks and digital channels including KSeF-compliant electronic invoicing.

Differentiator

Problem solved

Functional benefit

Brands

• Finpulse: NPL portfolio management and debt recovery platform, previously known as Idea Fleet S.A. Transformed in 2024-2025 from a loss-making fleet management company into a profitable debt management and investment platform serving the VB Leasing group.
• Leasycar
• Bank Kierowcy

Products and services

• Financial Leasing (Leasing finansowy) Financial leasing product for financing vehicles, machinery, and equipment used in business operations, with fixed or variable interest rates based on WIBOR. Targeted at Polish SMEs.
• Operational Leasing (Leasing operacyjny) Operational leasing service providing vehicle and equipment financing with full service packages including maintenance and insurance. Targeted at Polish SMEs.
• Motor Insurance (Ubezpieczenia komunikacyjne) Motor vehicle insurance products offered as part of the leasing service package for vehicles financed through VB Leasing.
• Property Insurance (Ubezpieczenia majątkowe) Property insurance products available to leasing clients for coverage of financed assets.
• GAP Insurance (Ubezpieczenie GAP) Guaranteed Asset Protection insurance covering the gap between vehicle value and outstanding lease payments in case of total loss or theft.
• Payment Protection Insurance (Ubezpieczenie spłaty raty / PPI) Payment Protection Insurance covering lease installments in cases of borrower incapacity or unemployment.
• Legal Protection Insurance (Ubezpieczenie ochrony prawnej) Legal protection insurance covering legal costs associated with vehicle ownership and use.
• Assistance Services Roadside assistance services including emergency help, towing, and vehicle rental support for leased vehicles.
• Damage Claims Handling (Likwidacja szkód) Damage and claims handling service including assistance in accident management and repair coordination through authorized service centers. Provided to leasing clients via the Centrum Asysty Szkodowej subsidiary.
• LeasyCar Auction Platform (Post-Leasing Asset Sales) Online auction platform for the sale of returned leased vehicles, machinery, and equipment at competitive prices, with promotional financing available in PLN.
• Authorized Service Network (Autoryzowane serwisy) Network of authorized workshops and service providers across Poland for vehicle maintenance and repair of leased assets, available to leasing customers.
• Finpulse NPL Portfolio Management Specialized debt collection and NPL portfolio management subsidiary managing approximately 2.8 billion PLN in non-performing loans and generating approximately 2 million PLN in monthly recoveries for VB Leasing Group.
• VB Leasing Client Portal (Portal dla Klientów) Online client portal enabling lease customers of VB Leasing, Idea Getin Leasing, and Idea Leasing to access documents, invoices, contract details, and manage their leasing agreements remotely.
• Bank Kierowcy Driver Portal Driver portal for automotive leasing clients of VB Leasing Automotive, Idea Getin Leasing Automotive, and Getin Leasing providing remote access to contract details, e-invoices, and vehicle-related documentation.

Quantifiable outcome

• Nearly 70% reduction in obligations to financing entities (from 8.4 billion PLN to 2.9 billion PLN)
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Finpulse S.A.coreStrategic or Co-development PartnerFinpulse S.A. (formerly Idea Fleet S.A.) is a subsidiary managing NPL portfolios for VB Leasing Group worth approximately 2.8 billion PLN. The company generates approximately 2 million PLN monthly in recoveries and has transformed from 1.1 million PLN loss in 2024 to 1.5 million PLN profit in 2025.
• Leasy Group S.A.minorStrategic or Co-development PartnerSubsidiary of VB Leasing Group involved in post-leasing item sales through the LeasyCar auction platform.
• Multifinance Expert sp. z o.o.minorStrategic or Co-development PartnerSubsidiary of VB Leasing Group providing insurance intermediation services for leasing objects.
• EDB Services sp. z o.o.minorStrategic or Co-development PartnerSubsidiary of VB Leasing Group providing operational support services.
• Centrum Asysty Szkodowej sp. z o.o.minorStrategic or Co-development PartnerSubsidiary of VB Leasing Group specializing in damage claim handling and assistance services.
• AMS Restrukturyzacje sp. z o.o.coreImplementation/ SI/ Consulting PartnerQualified restructuring advisor managing the VB Leasing S.A. restructuring proceedings as court-appointed administrator. Led by Mikołaj Świtalski (license no. 549), member of AMS Restrukturyzacje management board.
• Kancelaria Restrukturyzacyjna sp. z o.o.coreImplementation/ SI/ Consulting PartnerQualified restructuring advisor managing VB Leasing Automotive S.K.A. restructuring proceedings as court-appointed administrator. Led by Kamil Hajduk (license no. 142), also CEO of Finpulse S.A.

Scale indicators10 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Santander Leasing (Poland): Leasing operations of Santander Bank Polska, a broad incumbent providing vehicle and equipment leasing. Larger and more diversified than VB Leasing but competes for the same Polish SME customers.
• ING Lease (Poland): Leasing operations of ING Bank Śląski in Poland, offering financial leasing for vehicles and equipment. Larger incumbent backed by ING Group with broader product portfolio than VB Leasing.
• ALD Automotive (Poland): Société Générale's fleet leasing and mobility services arm operating in Poland. Comparable in automotive leasing and fleet management but as part of a much larger global platform.
• LeasePlan Poland: Major international fleet leasing and management provider operating in Poland. Comparable in vehicle leasing services but with broader pan-European footprint and scale advantages.

Others

• Kancelaria Restrukturyzacyjna sp. z o.o. Court-appointed administrator for VB Leasing Automotive S.K.A. restructuring proceedings, led by Kamil Hajduk. Adjacent participant rather than competitor, but deeply engaged in VB Leasing's restructuring outcomes.

Direct peers

• Millennium Leasing: Leasing subsidiary of Bank Millennium in Poland, offering vehicle and equipment leasing to SMEs. Similar size and customer profile to VB Leasing with comparable product offerings.
• Pekao Leasing: Subsidiary of Bank Pekao S.A. offering financial and operating leasing for vehicles and equipment in Poland. Direct competitor that is also a creditor in VB Leasing's restructuring proceedings, providing insight into both sides of the comparable dynamic.
• mLeasing: Leasing arm of mBank, providing vehicle, machinery and equipment leasing to Polish SMEs and businesses. Closely comparable to VB Leasing in target customer segment and product offering.
• PKO Leasing: Subsidiary of PKO Bank Polski, one of Poland's largest leasing companies offering vehicle and equipment leasing to SMEs and corporates. Direct competitor to VB Leasing in the Polish SME leasing market with comparable customer base and product mix.
• EFL (Euro Fleet Leasing): Part of the Credit Agricole group, one of the largest fleet leasing providers in Poland. Comparable business model focused on vehicle leasing and fleet management for SME and corporate clients.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/getin-leasing-s-a

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries6 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 Getin Leasing S A