Overview
Certum Centrum Finansów Osobistych is a credit intermediary that offers a variety of loan products for retail clients and small to medium-sized enterprises, including housing loans, refinancing loans, cash loans, and commercial loans. The company provides a platform to compare financial offers from different banks, helping clients make informed financial decisions. Additionally, it offers insurance products tailored to individual needs.
Financials
The financial statement for 2025 has not yet been filed with the Financial Document Repository (past deadline).
Revenue history (in k)
Data and insights are generated automatically based on financial statements and may contain errors. This analysis is for informational purposes only and does not constitute an official assessment of the company's credibility or business advice.
Statistics
How the company ranks by revenue within its industry, region and across Poland in 2024.
Results vs industry
Industry
Bank accounts
Registered as a VAT taxpayer on 2018-01-03. Active
21 1090 1056 0000 0001 1844 2293
Debt
No entries in the National Debtors Register (KRZ). No proceedings in KRZ
Public aid
13 public aid cases recorded, with a total value of $22,465.
| Grant date | Purpose | Gross amount | Granting body | |
|---|---|---|---|---|
| Oct 18, 2023 | De minimis aid (in accordance with Commission Regulation No 1407/2013 or earlier) | $5,331$5,331 | Prezes Banku Gospodarstwa Krajowego | |
| Oct 19, 2022 | De minimis aid (in accordance with Commission Regulation No 1407/2013 or earlier) | $1,196$1,196 | Prezes Banku Gospodarstwa Krajowego | |
| Sep 30, 2021 | De minimis aid (in accordance with Commission Regulation No 1407/2013 or earlier) | $835$835 | Prezes Banku Gospodarstwa Krajowego |
Tenders
No recorded participation in tenders.
Regulatory authorisations
| Authority | Type | Status | |
|---|---|---|---|
 KNF | Mortgage intermediary agent | Active | |
| KNF | Mortgage credit intermediary | Active | |
| KNF | Consumer credit intermediary | Active |
Authorized Representatives
Manner of representation
Each member of the management board acting independently is authorized to make declarations on behalf of the company.
Ownership
| Owner | Shares | Share value | Stake |
|---|---|---|---|
Radosław Koseski (46) | 34 | $4,592.11 | 33.3333% |
Katarzyna Anna Łobaza (46) | 34 | $4,592.11 | 33.3333% |
Katarzyna Przybylska (41) | 34 | $4,592.11 | 33.3333% |
Beneficial owners
| Person | Rights | |
|---|---|---|
Radosław Koseski (46)  | Shareholder of a limited liability company, 17000.0 PLN | |
Katarzyna Anna Łobaza (46) | Shareholder of a limited liability company, 17000.0 PLN | |
Katarzyna Przybylska (41) | Shareholder of a limited liability company, 17000.0 PLN |
Competitors
| Name | Revenue | Website | ||
|---|---|---|---|---|
| Trust Financesp. z o.o. | $949,177.03 | trustfinance.pl | ||
| Projekt 15S.A. | $826,961.02 | grupaang.pl | ||
| Polska Platforma Kredytowasp. z o.o. | $772,475.67 | kredytmarket.com | ||
| Alpha Creditsp. z o.o. | $726,427.14 | alphacredit.pl | ||
| Prosp. z o.o. | $622,233.12 | prodoradcy.pl | ||
| Credit Onesp. z o.o. | $463,129.62 | alphacredit.pl | ||
| Credit Omegasp. z o.o. | $452,391.10 | alphacredit.pl | ||
| Credit Gammasp. z o.o. | $452,391.10 | alphacredit.pl | ||
| Banking Retail System Leasingsp. z o.o. | $417,106.64 | brsonline.pl | ||
| Horyzont Capitalsp. z o.o. | $345,545.36 | horyzontcapital.com |
Change history
| Date | Event | |
|---|---|---|
| 2022-05-06 | Share capital change (50,000.00 PLN → 51,000.00 PLN) | |
| 2020-11-06 | Address change (Toruńska 78/55, 03-266, Warszawa → Ul. Obozowa 20/64, 01-161, Warszawa) | |
| 2020-11-06 | PKD change (Removed: 45, 46, 47, 66.21.Z, 66.30.Z, 70.2, 73, 74) | |
| 2008-12-03 | Entered in the register |
FAQ
Last updated: 2026-04-16