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Kruk S.A. — Investor Relations & Filings

Ticker · KRU ISIN · PLKRK0000010 LEI · 259400T1FZYBIW8XUJ78 WAR Financial and insurance activities
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Filings indexed 2,283 across all filing types
Latest filing 2020-03-05 Audit Report / Informat…
Country PL Poland
Listing WAR KRU

About Kruk S.A.

https://en.kruk.eu/customers

Kruk S.A., established in 1998, is a debt management company specializing in the collection of purchased debt portfolios. The company manages receivables across various segments, including consumer, mortgage-backed, and corporate debt. A key aspect of its operational model is a pro-settlement strategy, which emphasizes amicable resolutions and debt restructuring to assist customers in managing their financial obligations. The company also offers comprehensive loss prevention services.

Recent filings

Filing Released Lang Actions
KRUK_Sprawozdanie Finansowe_2019
Audit Report / Information Classification · 98% confidence The document text contains multiple structured financial statements, including 'Jednostkowe sprawozdanie z zysków lub strat' (Statement of Profit or Loss), 'Jednostkowe sprawozdanie z całkowitych dochodów' (Statement of Comprehensive Income), 'Jednostkowe sprawozdanie z sytuacji finansowej' (Statement of Financial Position/Balance Sheet), and 'Jednostkowe sprawozdanie ze zmian w kapitale własnym' (Statement of Changes in Equity). The title explicitly states it is a 'Jednostkowe sprawozdanie finansowe za rok obrotowy kończący się 31 grudnia 2019 r.' (Individual financial statement for the financial year ending December 31, 2019). A comprehensive set of financial statements covering a full fiscal year strongly indicates an Annual Report, which corresponds to the 10-K filing type in the US context, or the most comprehensive annual filing available in this classification scheme. Since the document is the full set of financial statements and not just an announcement of their release, it is classified as 10-K. FY 2019
2020-03-05 Polish
Informacja o aktualizacji wstępnego szacunkowego wyniku finansowego Grupy KRUK za rok 2019 - Content (EN)
Earnings Release Classification · 95% confidence The document is very short (745 characters) and serves as an 'Update of KRUK Group's preliminary estimated net profit for 2019'. It explicitly states that the final results will be disclosed later in the audited consolidated annual report. This structure—providing preliminary figures and announcing an update to inside information—is characteristic of an initial, brief financial results announcement, often preceding the full report. This aligns best with the Earnings Release (ER) definition, which covers the initial announcement of periodical financial results (key highlights only). It is not the full report (10-K) nor a mere announcement of a report's publication (RPA), as it contains substantive preliminary data. FY 2019
2020-02-28 English
Informacja o aktualizacji wstępnego szacunkowego wyniku finansowego Grupy KRUK za rok 2019 - Content (PL)
Earnings Release Classification · 99% confidence The document text is very short (624 characters) and announces preliminary, estimated financial results for the year 2019 (Wstępny szacunkowy wynik finansowy Grupy KRUK za 2019 rok). Crucially, it explicitly states that the final results will be presented in the audited consolidated annual report (zaudytowanym skonsolidowanym raporcie rocznym) scheduled for publication on March 5, 2020. Because this document is an announcement about the preliminary results and points to a future, more comprehensive report (10-K/AR), it fits best as an initial announcement of financial results, which corresponds to the Earnings Release (ER) category. It is not the full report itself, nor is it a transcript or a general regulatory filing. FY 2019
2020-02-28 Polish
Informacja o nakładach oraz wpłatach dotyczących portfeli wierzytelności oraz wstępnym szacunkowym wyniku finansowym Grupy KRUK za 2019 rok - Content (EN)
Earnings Release Classification · 99% confidence The document is titled 'Current Report No. 2/2020' and is dated January 10th, 2020. It discloses preliminary financial estimates for the full year 2019 (net profit estimate of PLN 304m) and operational metrics (debt portfolio purchases, expenditures, and recoveries) for Q4 2019 and Y 2019. This content—the initial announcement of key financial highlights for a period—fits the definition of an Earnings Release (ER). Although it mentions the final results will be in the audited annual report, this document itself is the preliminary announcement, not the final report or a mere announcement of the report's publication. FY 2019
2020-01-10 English
Informacja o nakładach oraz wpłatach dotyczących portfeli wierzytelności oraz wstępnym szacunkowym wyniku finansowym Grupy KRUK za 2019 rok - Content (PL)
Earnings Release Classification · 98% confidence The document provides key financial highlights, specifically focusing on debt portfolio acquisitions, servicing payments, and a preliminary net profit figure (304 mln zł) for the full year 2019, comparing Q4 2019 results to Q4 2018. This structure—presenting key figures for a period before the full audited report—is characteristic of an Earnings Release (ER). The text explicitly mentions that the final results will be presented in the audited annual report, confirming this document is the preliminary announcement. The document length is short (1588 chars), and it announces financial results, fitting the ER definition better than a comprehensive Interim Report (IR) or Annual Report (10-K). Q4 2019
2020-01-10 Polish
Terminy publikacji raportów okresowych w roku 2020 - Content (EN)
Report Publication Announcement Classification · 98% confidence The document is titled 'Current Report No. 1/2020' and its subject is 'Dates of publication of interim reports in 2020'. It explicitly announces the future release dates for the Company's full-year and interim reports (Q1, H1, Q3 reports for 2020). According to Rule #2 (The 'MENU VS MEAL' Rule), a document that announces the timing or publication of other reports, especially when it is short (1470 chars), should be classified as a Report Publication Announcement (RPA). It is not the report itself (like 10-K or IR).
2020-01-08 English

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