PGF sp. z o.o.

Name

PGF sp. z o.o.

Legal name

PGF sp. z o.o.

Website

https://pgfportal.pl

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Accounting & Bookkeeping Services

NAICS

Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (5412)

SIC

Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

Outsourced Finance & CFO Services (BPAHABAE)

Keywords

• Accounting services
• Bookkeeping services
• Payroll administration
• HR administration
• Business financing advisory

Headquarters

HQ city

Wrocław

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

Revenue model

1. Accounting Services Subscription: PGF charges a monthly subscription fee for full and simplified accounting services. Fees are defined in individual contracts (Umowa) with clients and subject to annual indexation based on GUS inflation indicators. The base accounting fee can be reduced to as low as 9 PLN/month through the referral program.
2. Payroll and HR Administration: Payroll processing, HR documentation, and employment contract management are provided as part of the bundled service offering or as additional services. Revenue is included in the monthly subscription or charged as an add-on.
3. Business Financing Services (Referral Commissions): PGF refers clients to financing partners for loans, leasing, and insurance products, potentially earning commissions. The primary financial benefit to PGF is client acquisition and retention through a bundled offering.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

PGF sp. z o.o. provides outsourced accounting (both simplified KPiR and full accounting books), payroll and HR administration, and business financing advisory services to small and medium-sized enterprises across Poland. All services are delivered through a proprietary online client portal that enables 24/7 digital document submission and direct communication with an assigned individual accountant.

Product overview

PGF sp. z o.o. is an accounting services company offering a suite of three interconnected core services: Księgowość (bookkeeping with full accounting records and simplified tax books), Kadry i Płace (HR and payroll administration), and Finansowanie Firmy (business financing advisory). All services are delivered through a proprietary Client Portal platform where clients submit documents online 24/7 and communicate with assigned accountants. An optional Partner Program allows clients to reduce accounting costs through referral bonuses.

Differentiator

Problem solved

Functional benefit

Products and services

• Księgowość (Bookkeeping Service) Comprehensive bookkeeping services for Polish SMEs, covering both simplified tax records (Podatkowa Księga Przychodów i Rozchodów / KPiR) and full accounting books (Księgi Rachunkowe). Clients submit documents online via the proprietary client portal and are supported by an individually assigned accountant.
• Kadry i Płace (HR and Payroll) Full-service HR and payroll administration for employers, including preparation of employment contracts, payroll processing, personnel records management, and ZUS/US declarations. Provided as a bundled or add-on service alongside bookkeeping.
• Finansowanie Firmy (Business Financing Advisory) Advisory and intermediation services for business financing products, including business loans, leasing, and insurance. PGF acts as an intermediary, helping clients identify suitable offers from external financing partners.
• Program Partnerski (Partner/Referral Program) Structured referral program that rewards existing clients who refer new customers. Referrers receive 20 PLN net monthly discount per referred KPiR client and 100 PLN net monthly discount per referred full-accounting client, which can reduce the referrer's own monthly accounting fee to as low as 9 PLN/month permanently.
• Portal Klienta (Client Portal) Proprietary cloud-based client portal providing 24/7 secure (HTTPS) access for digital document submission, document storage (starting at 512 MB with paid additional storage), invoicing, and direct communication with the assigned accountant.

Quantifiable outcome

• Clients can reduce their monthly accounting fee to 9 PLN/month permanently through the referral program

Named customers3 records

Segments3 records

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

Three partnerships are on record, tiered core and minor.

• Comarch Spółka AkcyjnacoreTechnology or IntegrationPGF uses Comarch's 'Optima' accounting software system to process client bookkeeping and payroll data. The software is referenced in the OWU KH contract terms as the designated accounting system for storing and processing client employee data under GDPR data processing agreements.
• Reset 2 sp. z o.o.coreTechnology or IntegrationPGF uses Reset 2's 'R2' accounting software system for client bookkeeping. The system is referenced in the company's privacy policy (Regulamin) as a system where employee personal data is stored and processed.
• Banking and Insurance PartnersminorChannel Partner/ Reseller/ DistributorPGF acts as an intermediary for business financing products including loans, leasing, and insurance. The company presents these offerings under its 'Finansowanie Firmy' (Business Financing) service line, helping clients find the most suitable credit, leasing, or insurance products from external providers.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Xero: Global cloud accounting platform. Indirect competitor via Polish accountant partnerships and cloud-bookkeeping trend that pressures traditional outsourced accounting firms like PGF.
• PwC Poland: Big Four professional services firm offering outsourced finance, accounting, and CFO advisory in Poland. Competes for the upper end of PGF's SME client base as those firms grow into larger entities.
• Comarch: Polish ERP/accounting software vendor whose Optima platform PGF already uses. Strategic upstream/downstream relationship and broader competitor in delivering digitized accounting services to Polish SMBs.
• Sage (Poland): Global accounting/payroll software and services provider with Polish operations (Sage Symfonia). Competes at the broader SMB back-office software layer underpinning services like PGF's.

Direct peers

• inFakt: Leading Polish online accounting and invoicing platform serving SMBs and sole proprietorships with digital document handling and tax filing — directly competing with PGF for the same micro/SMB segment in Poland.
• Fakturownia: Polish online invoicing and accounting SaaS targeting SMBs and freelancers. Overlaps with PGF on digital-first bookkeeping, document management, and self-service portals.
• Biuro Rachunkowe Online (BRO): Polish online accounting office providing bookkeeping, payroll, and tax services via a digital portal — closest functional analogue to PGF's outsourced-accounting model with bundled services.
• wFirma: Polish cloud accounting platform offering KPiR, full books, payroll, and invoicing for SMBs. Competes with PGF on subscription accounting services for the same micro/small business segment.
• Taxxo: Polish accounting and tax services firm offering online bookkeeping and tax filing for SMBs. Comparable online delivery model and target customer base to PGF.

Emerging players

• Biuro Rachunkowe 'Księga' / iKsięga: Polish online-first bookkeeping services for sole proprietorships and small companies. Niche overlap with PGF on simplified accounting (KPiR) and digital document workflow.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/pgf-sp-z-o-o

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 PGF sp. z o.o.