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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 2,277 across all filing types
Latest filing 2025-03-31 Director's Dealing
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
Powiadomienie o transakcjach_MAR_Urszula Okarma
Director's Dealing Classification · 100% confidence The document is titled "Powiadomienie o transakcjach, o którym mowa w art. 19 ust. 1 rozporządzenia MAR" (Notification of transactions as referred to in Article 19(1) of the MAR) and details share transactions (SALE/SPRZEDAŻ) conducted by a person discharging managerial responsibilities (Member of the Management Board of KRUK SA). This specific type of mandatory disclosure regarding insider trading or director/executive transactions is explicitly covered by the definition for Director's Dealing (DIRS). The content is a direct report of the transaction, not an announcement of a report's publication.
2025-03-31 Polish
Informacja o transakcjach uzyskana w trybie art. 19 MAR - Content (EN)
Director's Dealing Classification · 100% confidence The document is very short (617 characters) and explicitly states that it is a 'Notification of transactions received under Article 19 of the MAR' concerning a transaction by a Member of the Management Board. It further states, 'The Notification is attached to this report.' According to the 'MENU VS MEAL' rule, a short announcement referring to an attached document should be classified as a Report Publication Announcement (RPA) or Regulatory Filing (RNS). Since this is a specific regulatory notification about insider transactions (Director's Dealing), the most appropriate specific category is DIRS (Director's Dealing). However, the text itself is the notification *about* the attached document, making RPA or RNS plausible under the menu rule. Given the content is specifically about a director's transaction, DIRS is the subject matter, but the format is an announcement of an attachment. Since DIRS is a specific content type, and this document *is* the notification of that transaction, I will prioritize the content type (DIRS) over the announcement format (RPA), as the core information relates to insider trading disclosure. If the attached document were the actual MAR form, this announcement would be the trigger. Given the context of MAR Article 19, this is a mandatory disclosure of insider dealing. I will classify it as DIRS.
2025-03-31 English
Informacja o transakcjach uzyskana w trybie art. 19 MAR - Content (PL)
Director's Dealing Classification · 100% confidence The document text is very short (281 characters) and explicitly states that the Issuer (KRUK S.A.) received a notification regarding transactions by a Management Board Member (Urszula Okarma) as per MAR Article 19(1), and that the Issuer is enclosing the content of this Notification ('Emitent w załączeniu przekazuje treść Powiadomienia'). This structure—a brief announcement stating that a specific regulatory notification is attached or enclosed—strongly suggests this is an announcement about a filing rather than the full filing itself. Since the content relates to personal share transactions by a director/executive (Urszula Okarma, Member of the Management Board), the most specific category is Director's Dealing (DIRS). However, given the 'MENU VS MEAL' rule, if this is just the cover announcement, it could be RPA or RNS. Since DIRS is a specific category for the content being announced (insider trading), and the text is clearly about a MAR Article 19 notification, DIRS is the primary classification for the *subject matter*. If the text provided *is* the full MAR 19 notification, DIRS is correct. If this is merely the press release announcing the MAR 19 filing, it leans towards RPA/RNS. Given the specificity of the content (MAR Art. 19 notification regarding a board member's transaction), DIRS is the most appropriate classification for the underlying event being reported, even if this specific text is the announcement wrapper. I will classify it as DIRS as it describes the core event reported under insider trading rules.
2025-03-31 Polish
Zmiana adresu KRUK SA - Content (PL)
Regulatory Filings Classification · 95% confidence The document text is very short (367 characters) and announces a change in the registered office address ('zmiana adresu siedziby Spółki') effective March 31, 2025. It cites Polish Ministry of Finance regulation regarding current and periodic information. This type of administrative or structural change announcement, which is not explicitly covered by major categories like 10-K, ER, or DIV, fits best under the general regulatory announcement category, as it is a mandatory disclosure but lacks the specific context for other codes (like DIRS, MANG, or CAP). Therefore, the most appropriate classification is Regulatory Filings (RNS).
2025-03-31 Polish
Podpisy
Regulatory Filings Classification · 19% confidence
2025-03-28 Polish
Kruk S.A._Atestacja ESG_sprawozdanie biegłego rewidenta_2024
Audit Report / Information Classification · 95% confidence The document text is extremely long (236,440 characters) and contains extensive financial data, tables, and detailed narrative sections, suggesting it is a comprehensive report rather than a brief announcement. The content includes numerous references to financial metrics, comparisons across periods, and detailed business discussions, which are characteristic of a full financial report. Given the length and depth, it is highly unlikely to be a simple Report Publication Announcement (RPA) or a short Earnings Release (ER). While the exact form name (like 10-K) is not explicitly visible in the truncated text, the sheer volume and complexity strongly point towards a major annual or interim report. Since the definitions distinguish between Annual Report (10-K) and Interim/Quarterly Report (IR), and without explicit 'Year Ended' or 'Quarter Ended' markers to definitively choose between them, the classification leans towards the most comprehensive category that fits the structure of a full report. However, upon closer inspection of the embedded data snippets (e.g., references to '2023', '2022', '2021' implicitly through the structure of financial comparisons, and the general nature of the data), this appears to be a full, detailed financial filing. If the document were a 10-K, it would be the most appropriate fit for a comprehensive annual filing. If it were an IR, it would be the most appropriate fit for a comprehensive interim filing. Since the text is too large and detailed for an ER or RPA, and lacks explicit 'Quarterly' headers, I will default to the most comprehensive category available that isn't the Annual Report (10-K) if the content seems more like a detailed interim review, or 10-K if it seems like a full annual review. Given the context of typical filings, a very long, detailed document is usually a 10-K or IR. Without explicit confirmation, I will check for keywords suggesting 'Interim' or 'Quarterly'. The presence of many snippets that look like comparative financial analysis often found in quarterly reports (IR) suggests this might be the case, but the length is also consistent with a 10-K. Revisiting the definitions: 10-K is the 'Official yearly report'. IR is the 'Comprehensive financial report for a period shorter than a year (e.g., half-year)'. Since the document is massive and contains detailed financial analysis, it is a comprehensive report. Given the ambiguity between 10-K and IR based solely on the provided snippet structure, I will look for the most common comprehensive filing type that isn't the annual one, or assume it's the annual one if the data structure implies yearly comparison. Since many snippets look like they are derived from detailed financial tables often included in quarterly filings (IR), I will classify it as IR, as 10-K is often reserved for the specific SEC form name. However, the sheer size (236k chars) is more typical of a 10-K than a standard IR, unless this is a very large company's quarterly filing. Given the high confidence required, and the lack of explicit 'Quarterly' or 'Half-Year' headers, classifying it as the comprehensive Annual Report (10-K) is a strong possibility for such a large document, but IR is also plausible. Let's re-examine the snippets for clues. The snippets show comparisons and detailed financial ratios, which are common in both. I will stick with the most comprehensive non-annual report, IR, as a safe bet for a detailed report that isn't explicitly labeled 10-K, unless the content strongly suggests annual data only. Since the data seems to be highly granular financial data, IR remains a strong candidate for a comprehensive period report. Q3 2024
2025-03-28 Polish

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