Debt Recovery PolandDebt Recovery Polandby KCOD
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Debt collection in Poland

A Polish contractor has not paid you?

You delivered building materials, rented out equipment or completed subcontracted works for a Polish construction company — and the invoice sits unpaid while the debtor keeps winning new projects.

Submit your claim — free assessmentOne business day, no obligation, no upfront fees.
18–6%
success fee, bracket by bracket
€0
upfront costs
€120
minimum claim
€40–100
per invoice — paid by the debtor

Where the pressure lands

Public exposure hurts a contractor

Polish contractors bid for projects and rely on their reputation with investors and general contractors. A listing in a public debt registry, indexed by Google, appears exactly when a new client checks them — a strong incentive to settle.

Credit and bonding pressure

Construction companies depend on bank credit lines, leasing for machinery and insurance bonds. A BIG InfoMonitor entry is visible to all of them and is removed only after payment.

Retentions and set-offs are checked, not assumed

Debtors in construction often claim set-offs for alleged defects. We review the documents first; the undisputed part of the claim proceeds without waiting for the dispute to resolve.

How the recovery works

01
You submit online
02
Registered demands from Poland
03
Public registry + BIG entry
04
E-court — only on your decision

Full process: how it works · fees: pricing table.

No upfront fees. A success fee of 18%–6% only on what we recover.

Submit the unpaid invoices online — your company is verified automatically, the debtor’s Polish tax ID fills in the rest. Assessment is free and non-binding.

Submit your claim — free assessment

Frequently asked — a polish contractor has not paid you

The debtor says the investor has not paid them. Does that excuse them?

No. In Polish law your contract is with your customer — their cash-flow problems upstream do not suspend their obligation to pay you. It is, however, a signal to act before other creditors do.

Part of my invoice is held as a retention (kaucja). Can you recover the rest?

Yes. The due, unretained part is recovered normally. Retention terms are reviewed separately — many "retentions" in Polish practice turn out to be contractually due for release.

The works were accepted without objections. Does that help?

Very much. A signed acceptance protocol (protokół odbioru) is decisive evidence in Polish proceedings and usually removes any defect-based defence for the accepted scope.

How long do I have to act?

Standard B2B claims in Poland are time-barred after 3 years, but construction chains deteriorate quickly — insolvencies cluster in this industry. Earlier action means recovering before the queue forms.

Get your free assessment

One business day, no obligation, no upfront fees. Minimum claim €120. Statutory interest and the €40/€70/€100 per-invoice compensation are pursued on top of the principal.

Submit your claim