Skok Skarbiec

What Skok Skarbiec does

SKOK Skarbiec (legal name: Spółdzielcza Kasa Oszczędnościowo-Kredytowa „Skarbiec" w upadłości) is a Polish cooperative savings and credit union founded on September 5, 1996, and headquartered at ul. Skłodowskiej 53 in Piekary Śląskie, Silesia. The institution operated under Poland's SKOK Act of November 5, 2009, and was supervised by the Komisja Nadzoru Finansowego (KNF). Its business model was the standard Polish cooperative model: individuals became members by submitting a written declaration, paying an entrance fee, and holding at least one mandatory share; in exchange, the cooperative accepted cash deposits from members and extended loans, credits, financial settlement services, and insurance intermediation exclusively to that membership base. The original statutes were amended in 1998, 2003, and 2006; on June 30, 2015, the General Meeting of Representatives resolved to raise the mandatory share value from 1 PLN to 95 PLN, a change approved by KNF on September 28, 2015 and registered in the National Court Register on October 14, 2015.

The institution had a single product line (savings and credit services for members), no subsidiaries, no documented technology stack, no mobile application, no published API, and no disclosed pricing. Distribution was through physical service points (punkty kasowe) anchored at the Piekary Śląskie headquarters. The headcount is reported at 6, consistent with a minimal operating footprint.

On September 29, 2016 (case XII GU 235/16), the Regional Court in Gliwice, 12th Commercial Division, declared SKOK Skarbiec bankrupt and appointed Jarosław Reszka as Syndyk Masy Upadłości. Since that date, the entity has not operated as a going concern; current activity is limited to liquidation administration: notifying members of their obligation to pay outstanding mandatory shares, publishing statute documents and trustee communications via the skokskarbiec.pl website, holding member information meetings, and processing membership withdrawals. A revised statute was registered on April 19, 2018 following KNF's April 11, 2018 decision. As of the most recent site updates (2018), the cooperative's status is "closed" as a going concern, with residual activity confined to wind-down.

Name

Skok Skarbiec

Legal name

Spółdzielcza Kasa Oszczędnościowo-Kredytowa „Skarbiec" w upadłości

Website

https://skokskarbiec.pl

Company type

Private

Founded year

1996

Operating status

Closed

Headcount range

1–10 employees

Short description

SKOK Skarbiec is a Polish cooperative savings and credit union (SKOK) founded in 1996 in Piekary Śląskie, serving members with deposits, loans, and settlements. Declared bankrupt in September 2016, it now operates solely under bankruptcy trustee administration for member liquidation.

Ownership category

akta.pro rank

Product category

Cooperative Savings and Loan Banking

NAICS

Credit Unions (522130), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institutions, Not Federally Chartered (6036), Short-Term Business Credit Institutions (6153), Services-Membership Organizations (8600)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Cooperative savings fund
• Member lending
• Credit union services
• Financial settlements
• Insurance intermediation

Headquarters

HQ city

Piekary Śląskie

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations

Distribution channels1 record

Marketing channels1 record

Core offering

SKOK Skarbiec was a Polish cooperative savings and loan fund (Spółdzielcza Kasa Oszczędnościowo-Kredytowa) that accepted cash deposits from, and extended loans and credits to, its registered cooperative members. It also conducted financial settlements on members' behalf and acted as an insurance intermediary. The cooperative was declared bankrupt by the Regional Court in Gliwice on September 29, 2016, and currently operates only under bankruptcy administration to collect mandatory member shares and inform members.

Product overview

SKOK Skarbiec is a single-service cooperative financial institution, not a multi-product platform. The organization offers a unified portfolio of savings and credit products including member deposits, loans and credits, financial settlements, and insurance intermediation services. All services are exclusively for registered members of the cooperative.

Differentiator

Problem solved

Functional benefit

Products and services

• Member Savings Deposits
• Loans and Credits to Members
• Financial Settlement Services
• Insurance Contract Intermediation

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Direct peers

• SGB-Bank S.A. Central cooperative bank for the Spółdzielcza Grupa Bankowa network of Polish cooperative banks. Highly comparable in cooperative ownership structure, retail deposit gathering, and member/consumer credit activities under shared Polish financial regulation.
• Kasa Krajowa Spółdzielcza Kasa Oszczędnościowo-Kredytowa (SKOK im. F. Stefczyka): Largest surviving Polish cooperative savings and credit union (SKOK), operating under the same Polish SKOK Act and KNF supervision as SKOK Skarbiec. Directly comparable member-owned deposit-taking and consumer-lending model, with a national footprint versus Skarbiec's single Silesian location.
• Bank Polskiej Spółdzielczości (Bank BPS): Central institution for the BPS Group of Polish cooperative banks, offering deposit, lending, and settlement services to member banks under cooperative law. Comparable cooperative depository and small-business/consumer lending franchise within the same Polish regulatory perimeter.
• Spółdzielczy Bank Ludowy (example local cooperative bank): Local Polish cooperative banks (Banki Spółdzielcze) operating under the same cooperative-law framework as SKOKs, pooling member deposits to extend credit in defined geographic communities. Closest surviving analog to SKOK Skarbiec's pre-bankruptcy member-owned, single-region model.

Broad incumbents

• Bank Pekao S.A. One of Poland's largest universal banks, providing retail deposits, mortgage and consumer lending, and payment services. Comparable in product scope to a SKOK but at national scale and with full banking charter.
• PKO Bank Polski: Largest Polish universal bank, offering retail deposits, consumer credit, and settlement services nationwide. Represents the scaled incumbent alternative for SKOK Skarbiec's member profile across Poland.
• Santander Bank Polska: Large Polish universal bank with nationwide retail deposit and consumer credit franchises, including in Silesia. Competes for the same customer pool as SKOK Skarbiec pre-bankruptcy.
• BNP Paribas Bank Polska: Universal bank in Poland providing retail deposits, consumer lending, and wealth services. Comparable product mix to a cooperative savings and credit institution but operating with a full commercial banking license and national branch network.
• Credit Agricole Bank Polska: Major Polish universal bank serving retail and small-business customers with deposit and credit products. Comparable offering set to SKOK members (savings, consumer loans, settlements) at materially larger scale.

Regional players

• ING Bank Śląski: Major universal bank headquartered in Katowice and dominant in the Silesia region where SKOK Skarbiec operated. Competes for the same retail deposits, consumer loans, and small-business banking customers in the same geographic market.

Market position

Weaknesses5 records

Competitive moat1 record

Key risks6 records

Key highlights1 record

Customer concentration

• LinkedInlinkedin.com/company/skok-skarbiec

Compliance1 record

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 Skok Skarbiec