FinesS.A.
Other activities auxiliary to financial services, except insurance and pension funding
Overview
Fines is a leading financial intermediary in Poland, operating a nationwide network of credit agencies. The company offers a variety of loans and credit products from multiple banks and lending firms in one location. Additionally, Fines is involved in industry events, such as the Loan Magazine Awards and the Financial Intermediary Congress, highlighting its active role in the consumer finance sector.
Financials
Revenue history (in m)
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 2025.
Results vs industry
News
Fines on the Polish Fintech Map 2026
Fines S.A. Official Partner of Fintech Rejs 2026
FINES S.A. at the 15th Loan Sector Congress
FINES S.A. Honored at the Credit Information Bureau Conference
Fines S.A. President Piotr Przedlacki to Lead Panel at Loan Sector Congress
Fines S.A. Partner of the 15th Edition of the Loan Sector Congress
Industry
Bank accounts
Registered as a VAT taxpayer on 2005-02-17. Active
61 1090 1098 0000 0001 5415 2526
84 1050 1764 1000 0022 9507 8295- 03 1050 1764 1000 0022 9507 6455
Debt
No entries in the National Debtors Register (KRZ). No proceedings in KRZ
Public aid
| Grant date | Purpose | Gross amount | Granting body | |
|---|---|---|---|---|
| May 20, 2020 | Aid compensating for the negative economic consequences of COVID-19, granted in limited amounts | $897,482 | Polski Fundusz Rozwoju S.A. | |
| May 11, 2020 | Other crisis aid | $66,027 | Prezydent Miasta Gdynia |
Tenders
No recorded participation in tenders.
Regulatory authorisations
| Authority | Type | Status | |
|---|---|---|---|
 KNF | Small payment institution | Active | |
| KNF | Insurance agent of UNIQA Towarzystwo Ubezpieczeń Spółka Akcyjna | Active | |
| KNF | Insurance agent of Towarzystwo Ubezpieczeń i Reasekuracji WARTA Spółka Akcyjna | Active |
Authorized Representatives
Manner of representation
The President of the Management Board acting with another member of the management board or a commercial proxy is authorized to make declarations of will and sign on behalf of the company. In the case of a one-person management board, representation is by one person.
Supervisory board
Beneficial owners
| Person | Rights |
|---|---|
Krzysztof Opaliński (69)  | Shareholder of a joint-stock company, 35.0% |
Piotr Daniel Przedlacki (52) | Shareholder of a joint-stock company, 35.0% |
Competitors
| Name | Revenue | Website | |
|---|---|---|---|
| Poczta Polska FinanseS.A. | $12,057,287.50 | poczta-polska-finanse.pl | |
| Diamond Financesp. z o.o. | $9,537,712.64 | diamondfinance.pl | |
| ProfitowiS.A. | $8,503,686.09 | profitowi.pl | |
| PAGsp. z o.o. | $4,649,330.81 | pagsa.pl | |
| Investment PartnersS.A. | $3,425,964.20 | inpartners.pl | |
| Plus Ratysp. z o.o. | $3,130,629.55 | plusraty.pl | |
| Banking Retail Systemsp. z o.o. | $3,058,638.33 | brsonline.pl | |
| Invest IncasoS.A. | $1,742,723.18 | investincaso.com | |
| Bookfinansesp. z o.o. | $1,310,687.57 | bookfinanse.pl | |
| Msleasingsp. z o.o. | $981,778.31 | msleasing.com.pl |
Change history
| Date | Event |
|---|---|
| 2020-10-16 | PKD change (Removed: 47.91.Z, 66.29.Z; Added: 46.18.Z, 46.19.Z) |
| 2018-09-19 | Share capital change (500,000.00 PLN → 1,000,000.00 PLN) |
| 2016-02-03 | PKD change (Removed: 73.20.Z; Added: 66.22.Z) |
| 2015-09-29 | PKD change (Removed: 18.20.Z, 47.99.Z, 58.19.Z, 58.29.Z, 61.10.Z, 61.20.Z, 61.30.Z, 61.90.Z, 62.02.Z, 62.03.Z, 62.09.Z, 63.99.Z, 64.19.Z, 64.91.Z, 64.99.Z, 66.11.Z, 66.21.Z, 68.10.Z, 68.20.Z, 68.31.Z, 68.32.Z, 69.20.Z, 70.22.Z, 73.12.C, 77.11.Z, 77.33.Z, 77.39.Z, 77.40.Z, 78.30.Z, 82.99.Z) |
| 2013-10-22 | Address change (Grunwaldzka 59, 81-771, Sopot → Józefa Wybickiego 13 C, 81-842, Sopot) |
FAQ
Last updated: 2026-07-16