Kruk S.A.
ISIN: PLKRK0000010 | Ticker: KRU | LEI: 259400T1FZYBIW8XUJ78
Country: Poland
KRUK S.A. is a leader of the debt management market. Over nearly two decades, we have grown from a small firm employing less than 20 staff into a global financial group, specialising broadly in debt management. Currently, the KRUK Group comprises a number of companies offering a comprehensive range of modern integrated services, which we are ready to tailor to the needs and expectations of our partners in order to recover payments owed to them.
On a mass scale, KRUK pursues a strategy focused on amicable settlements with its clients, i.e. debtors, spreading repayment of their debt over manageable instalments. Supported through media campaigns, the strategy aims to convince debtors to start talking with KRUK about repayment terms.
The Group’s core business is the management of debt purchased for the Group’s own account or outsourced for collection by other institutions in three segments:
- consumer debt (unsecured),
- mortgage-backed debt,
- corporate debt.
1998
Served areaPoland
HeadquartersWołowska 8, 51-116 Wrocław – Poland
| Line item in (pln) | 01.01.2019 | 01.01.2020 | 02.01.2020 | 01.01.2021 | 02.01.2021 | 01.01.2022 | 02.01.2022 | 01.01.2023 |
|---|---|---|---|---|---|---|---|---|
| Assets | N/A | 4,839,914,000.00 | N/A | 4,643,031,000.00 | N/A | 5,909,400,000.00 | N/A | 7,681,082,000.00 |
| Goodwill | N/A | 47,206,000.00 | N/A | 23,916,000.00 | N/A | 23,840,000.00 | N/A | 17,026,000.00 |
| Intangible Assets Other Than Goodwill | N/A | 50,252,000.00 | N/A | 50,729,000.00 | N/A | 43,474,000.00 | N/A | 70,833,000.00 |
| Deferred Tax Assets | N/A | N/A | N/A | 31,180,000.00 | N/A | 37,560,000.00 | N/A | 44,921,000.00 |
| Cash and cash equivalents | 147,302,000.00 | 150,274,000.00 | 150,274,000.00 | 145,552,000.00 | 145,552,000.00 | 199,164,000.00 | 199,164,000.00 | 202,160,000.00 |
| Equity And Liabilities | N/A | 4,839,914,000.00 | N/A | 4,643,031,000.00 | N/A | 5,909,400,000.00 | N/A | 7,681,082,000.00 |
| Equity | 1,732,750,000.00 | 1,959,093,000.00 | 1,959,093,000.00 | 2,043,460,000.00 | 2,043,460,000.00 | 2,600,227,000.00 | 2,600,227,000.00 | 3,253,297,000.00 |
| Issued Capital | N/A | 18,972,000.00 | N/A | 19,011,000.00 | N/A | 19,013,000.00 | N/A | 19,319,000.00 |
| Retained Earnings | N/A | 1,557,821,000.00 | N/A | 1,544,127,000.00 | N/A | 2,032,745,000.00 | N/A | 2,589,066,000.00 |
| Share Premium | N/A | 307,192,000.00 | N/A | 310,430,000.00 | N/A | 333,264,000.00 | N/A | 358,506,000.00 |
| Other Reserves | N/A | 104,582,000.00 | N/A | 103,626,000.00 | N/A | 122,202,000.00 | N/A | 149,896,000.00 |
| Equity Attributable To Owners Of Parent | N/A | 1,958,426,000.00 | N/A | 2,043,771,000.00 | N/A | 2,600,817,000.00 | N/A | 3,254,017,000.00 |
| Noncontrolling Interests | N/A | 667,000.00 | N/A | -311,000.00 | N/A | -590,000.00 | N/A | -720,000.00 |
| Liabilities | N/A | 2,880,821,000.00 | N/A | 2,599,571,000.00 | N/A | 3,309,173,000.00 | N/A | 4,427,785,000.00 |
| Deferred Tax Liabilities | N/A | N/A | N/A | 134,339,000.00 | N/A | 167,077,000.00 | N/A | 201,420,000.00 |
| Line item in (pln) | 01.01.2019/ 01.01.2020 |
01.01.2020/ 01.01.2021 |
01.01.2021/ 01.01.2022 |
01.01.2022/ 01.01.2023 |
|---|---|---|---|---|
| Revenue From Rendering Of Services | 76,539,000.00 | 66,421,000.00 | 70,783,000.00 | 74,372,000.00 |
| Interest Income On Financial Assets Designated At Fair Value Through Profit Or Loss | N/A | N/A | 40,243,000.00 | 10,129,000.00 |
| Services Expense | 152,389,000.00 | 134,928,000.00 | 150,051,000.00 | 205,059,000.00 |
| Employee Benefits Expense | 356,998,000.00 | 341,862,000.00 | 396,488,000.00 | 475,486,000.00 |
| Depreciation And Amortisation Expense | 44,043,000.00 | 46,543,000.00 | 48,355,000.00 | 51,188,000.00 |
| Other Expense By Nature | 279,088,000.00 | 302,214,000.00 | 288,173,000.00 | 371,216,000.00 |
| Profit Loss From Operating Activities | 440,339,000.00 | 332,265,000.00 | 859,616,000.00 | 1,042,841,000.00 |
| Finance Income | 211,000.00 | 89,000.00 | 11,479,000.00 | 7,319,000.00 |
| Finance Costs | 126,340,000.00 | 127,913,000.00 | 97,139,000.00 | 186,450,000.00 |
| Impairment Loss Impairment Gain And Reversal Of Impairment Loss Determined In Accordance With I F R S9 | -146,300,000.00 | -6,143,000.00 | -573,364,000.00 | -664,135,000.00 |
| Profit Loss Before Tax | 314,210,000.00 | 204,441,000.00 | 773,956,000.00 | 863,710,000.00 |
| Income Tax Expense Continuing Operations | 37,153,000.00 | 123,443,000.00 | 79,053,000.00 | 58,692,000.00 |
| Profit (loss) | 277,057,000.00 | 80,998,000.00 | 694,903,000.00 | 805,018,000.00 |
| Profit Loss Attributable To Owners Of Parent | 276,390,000.00 | 81,356,000.00 | 694,758,000.00 | 804,982,000.00 |
| Profit Loss Attributable To Noncontrolling Interests | 667,000.00 | -358,000.00 | 145,000.00 | 36,000.00 |
| Line item in (pln) | 01.01.2019 | 01.01.2020 | 01.01.2021 | 02.01.2020 | 01.01.2022 | 02.01.2021 | 01.01.2023 | 02.01.2022 |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) | N/A | 277,057,000.00 | 80,998,000.00 | N/A | 694,903,000.00 | N/A | 805,018,000.00 | N/A |
| Adjustments For Income Tax Expense | N/A | 37,153,000.00 | 123,443,000.00 | N/A | 79,053,000.00 | N/A | 58,692,000.00 | N/A |
| Adjustments For Finance Costs | N/A | 115,181,000.00 | 127,824,000.00 | N/A | 85,660,000.00 | N/A | 179,131,000.00 | N/A |
| Adjustments For Decrease Increase In Inventories | N/A | 693,000.00 | 2,623,000.00 | N/A | 11,774,000.00 | N/A | 3,926,000.00 | N/A |
| Adjustments For Increase Decrease In Trade Account Payable | N/A | -71,751,000.00 | 17,749,000.00 | N/A | 50,971,000.00 | N/A | N/A | N/A |
| Adjustments For Increase Decrease In Other Operating Payables | N/A | 4,861,000.00 | 3,517,000.00 | N/A | 5,801,000.00 | N/A | N/A | N/A |
| Adjustments For Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss | N/A | 13,112,000.00 | 25,051,000.00 | N/A | 0.00 | N/A | N/A | N/A |
| Adjustments For Provisions | N/A | 7,156,000.00 | 28,946,000.00 | N/A | -10,064,000.00 | N/A | -6,629,000.00 | N/A |
| Adjustments For Sharebased Payments | N/A | 9,658,000.00 | -1,156,000.00 | N/A | 18,576,000.00 | N/A | 27,694,000.00 | N/A |
| Adjustments For Fair Value Gains Losses | N/A | 0.00 | 1,803,000.00 | N/A | N/A | N/A | N/A | N/A |
| Adjustments For Losses Gains On Disposal Of Noncurrent Assets | N/A | -287,000.00 | -597,000.00 | N/A | -455,000.00 | N/A | -1,617,000.00 | N/A |
| Other Adjustments For Which Cash Effects Are Investing Or Financing Cash Flow | N/A | -667,000.00 | 358,000.00 | N/A | -145,000.00 | N/A | -36,000.00 | N/A |
| Interest Received Classified As Operating Activities | N/A | N/A | N/A | N/A | 1,121,881,000.00 | N/A | 1,400,195,000.00 | N/A |
| Income Taxes Paid Refund Classified As Operating Activities | N/A | 40,510,000.00 | 22,344,000.00 | N/A | 39,760,000.00 | N/A | 36,967,000.00 | N/A |
| Cash Flows From Used In Operating Activities | N/A | 208,642,000.00 | 743,516,000.00 | N/A | -288,797,000.00 | N/A | -567,772,000.00 | N/A |
| Cash Flows Used In Obtaining Control Of Subsidiaries Or Other Businesses Classified As Investing Activities | N/A | 92,325,000.00 | 0.00 | N/A | N/A | N/A | N/A | N/A |
| Proceeds From Sales Of Property Plant And Equipment Classified As Investing Activities | N/A | 3,175,000.00 | 5,980,000.00 | N/A | 2,411,000.00 | N/A | 1,274,000.00 | N/A |
| Purchase Of Property Plant And Equipment Classified As Investing Activities | N/A | 48,039,000.00 | 16,974,000.00 | N/A | 16,068,000.00 | N/A | 34,256,000.00 | N/A |
| Interest Received Classified As Investing Activities | N/A | 211,000.00 | 89,000.00 | N/A | 45,000.00 | N/A | 711,000.00 | N/A |
| Cash Flows From Used In Investing Activities | N/A | -136,978,000.00 | -10,905,000.00 | N/A | -13,612,000.00 | N/A | -32,271,000.00 | N/A |
| Proceeds From Issuing Shares | N/A | 7,095,000.00 | 3,238,000.00 | N/A | 22,836,000.00 | N/A | 25,548,000.00 | N/A |
| Payments To Acquire Or Redeem Entitys Shares | N/A | 0.00 | 94,850,000.00 | N/A | 0.00 | N/A | N/A | N/A |
| Proceeds From Borrowings Classified As Financing Activities | N/A | 1,738,898,000.00 | 824,927,000.00 | N/A | 1,894,837,000.00 | N/A | 2,381,102,000.00 | N/A |
| Repayments Of Borrowings Classified As Financing Activities | N/A | 1,589,672,000.00 | 1,280,865,000.00 | N/A | 1,228,490,000.00 | N/A | 1,378,216,000.00 | N/A |
| Payments Of Lease Liabilities Classified As Financing Activities | N/A | 18,593,000.00 | 26,552,000.00 | N/A | 25,718,000.00 | N/A | 33,795,000.00 | N/A |
| Dividends Paid Classified As Financing Activities | N/A | 95,049,000.00 | 667,000.00 | N/A | 206,583,000.00 | N/A | 248,828,000.00 | N/A |
| Interest Paid Classified As Financing Activities | N/A | 114,983,000.00 | 98,754,000.00 | N/A | 95,861,000.00 | N/A | 219,846,000.00 | N/A |
| Cash Flows From Used In Financing Activities | N/A | -68,692,000.00 | -737,333,000.00 | N/A | 356,021,000.00 | N/A | 603,039,000.00 | N/A |
| Effect Of Exchange Rate Changes On Cash And Cash Equivalents | N/A | N/A | 12,899,000.00 | N/A | -2,767,000.00 | N/A | 130,000.00 | N/A |
| Increase (decrease) in cash and cash equivalents after effect of exchange rate changes | N/A | 2,972,000.00 | -4,722,000.00 | N/A | 53,612,000.00 | N/A | 2,996,000.00 | N/A |
| Cash and cash equivalents | 147,302,000.00 | 150,274,000.00 | 145,552,000.00 | 150,274,000.00 | 199,164,000.00 | 145,552,000.00 | 202,160,000.00 | 199,164,000.00 |
Please note that some sums might not add up.
PLKRK0000010
LEI259400T1FZYBIW8XUJ78
SectorWIG30
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