What is the main business of Transcards.Eu?

The main business activity of Transcards.Eu focuses on other financial service activities n.e.c..

When was the company founded?

The company was registered in the Polish National Court Register (KRS) on December 8, 2015.

Where is the headquarters located?

The headquarters is located at: ul. Fiołkowa 1, 52-200 Wysoka.

Who is on the management board?

The management board includes Waldemar Wysowski (President of the Management Board).

What is the share capital?

The share capital of the company is PLN 1,968,680 (approx. $531,788).

What period do the latest financial data cover?

The latest available financial statement covers the period from January 1, 2025 to December 31, 2025.

What was the revenue?

The company reported a revenue of $8,324,776 in 2025, which is an increase of 34.4% compared to 2024.

Yes, the company recorded a net profit of $2,485,671 in 2025, meaning the company increased its profit by 60.1%.

What is the main operating cost?

The largest operating cost category falls under employee remuneration. This category amounted to $1,715,078 in 2025, representing 45% of all operating expenses.

Transcards.Eusp. z o.o.

Other financial service activities, except insurance and pension funding not elsewhere

KRS: NIP: REGON:

Overview

Status

Active

Registry date

2015-12-08

Share capital

1,968,680.00 PLN

Average employment (FTE)

60.1 (2025)

Activity description

Transcards.Eu (bonabanco) provides financing and payment services for transport companies. bbSPOT accelerates and secures payments for freight orders, lets carriers verify payers, and offers financing for fuel, leasing and road tolls. bbCash pays the full freight invoice after unloading, while bbpay enables fast payment for transport booked through Trans.eu.

Registered address

ul. Fiołkowa 1, 52-200 Wysoka, Poland

Website

bonabanco.com

Phone

Social media

Electronic delivery address

AE:PL-28853-80515-EUHSA-31

Financials

Revenue history (in k)

Financial insight

Possible Estonian CIT: Equity includes Art. 28d line items, but all amounts are 0 – this may be an accounting template or the first year of the regime.

From the notes

Current income tax (CIT due)	$644,547
Profit allocation	Dividend and reserves
Loans and borrowings	$9,052,368
Capital expenditure	$108,268
Foreign sales	2.12% of revenue ($174,061)
Revenue structure	Prowizja handlowa

Filing timeliness

1 of 6 financial statements was filed late (for 2021, 89 days late). 4 of 6 audited by a statutory auditor.

202530/06/2026
202418/06/2025
202326/06/2024
202212/07/2023
202112/10/2022
202020/09/2021

Filed on timeDelayFiling deadline

Data and insights are generated automatically from financial statements – they may contain errors and are neither a credit assessment nor business advice.

Statistics

How the company ranks by revenue within its industry, region and across Poland in 2025.

Results vs industry

Revenue

This companyUSD 8.32mMedianUSD 76.94kAverageUSD 1.58m

Net profit

This companyUSD 2.49mMedianUSD 1.83kAverageUSD 196.01k

Operating costs

This companyUSD 3.84mMedianUSD 43.63kAverageUSD 954.90k

Assets

This companyUSD 23.26mMedianUSD 196.78kAverageUSD 10.26m

Industry

Offer

Freight financing
Transport factoring
Payer verification
Fuel cards
Road toll financing

Website technology

Website

WordPress
Elementor

Payments

Przelewy24

Analytics and marketing

Google Tag Manager

Trademarks

Transcards.Eu holds 1 active trademark registered with the Polish Patent Office. The first mark was filed in 2025.

Mark	Number	Classes	Status	Protected until
bonabanco	Z.587789	35, 36	Protected	Jul 22, 2035

Mark	Protected until
bonabanco	Jul 22, 2035

Authorized Representatives

Adam Jacek Garbiński – Attorney-in-fact (sole)

Waldemar Wysowski – President of the Management Board

Manner of representation

In the case of a multi-member management board, the representation of the company and the making of declarations of will on behalf of the company require the joint action of two members of the management board or a member of the management board jointly with a commercial proxy.

Supervisory board

Piotr Aleksander Hunker – Supervisory Board Member

Ewa Węgorkiewicz – Supervisory Board Member

Kamil Klebaniuk – Supervisory Board Member

Krzysztof Kazimierz Wachowski – Supervisory Board Member

Łukasz Szymczyk – Supervisory Board Member

Ownership

Owner	Shares	Share value	Stake
Trans.Eu Group S.A.	1,122	$478,865.48	90.0482%
Others	124	$52,922.74	9.9518%

Beneficial owners

Person	Rights

Bank accounts

Registered as a VAT taxpayer on 2015-12-28.

Erste Bank Polska
59 1090 2398 0000 0001 6043 0506
Erste Bank Polska
28 1090 0004 0000 0012 4566 0001
Erste Bank Polska
26 1090 2398 0000 0001 3441 0656

Debt

No entries in the National Debtors Register (KRZ).

Real estate

Type	Amount
Buildings and premises	PLN 1.2MPLN 1,179,571

Properties named as collateral

Nieruchomość lub nieruchomości spółki

Secured liabilities

Type	Creditor
Mortgage	–
Registered pledge	–
Promissory note	–

Public aid

6 public aid cases recorded, with a total value of $61,674.

Grant date	Purpose	Gross amount	Granting body
Nov 27, 2023	Liquidity support for undertakings affected by the war in Ukraine	$9,796$9,796	Prezes Banku Gospodarstwa Krajowego
Nov 22, 2023	Liquidity support for undertakings affected by the war in Ukraine	$12,435$12,435	Prezes Banku Gospodarstwa Krajowego
Dec 5, 2022	Liquidity support for undertakings affected by the war in Ukraine	$12,889$12,889	Prezes Banku Gospodarstwa Krajowego

Competitors

Name	Revenue	Website
Bibby Financial Servicessp. z o.o.	$20,745,878.80	bibbyfinancialservices.pl
Transcash.EuS.A.	$8,389,553.84	transcash.eu
CashbillS.A.	$7,871,346.69	cashbill.pl
EsourcingS.A.	$6,577,837.92	esourcing.pl
Erste F24S.A.	$5,891,723.25	ersteleasing.pl
Wealthon Poscashsp. z o.o.	$4,847,636.52	wealthon.com
Skycash PolandS.A.	$4,416,461.60	skycash.com

Change history

Date	Event
2018-10-04	Share capital increase (758,400.00 PLN → 1,968,680.00 PLN)
2017-12-14	PKD change (Removed: 47.78.Z, 47.91.Z; Added: 64.99.Z, 66.19.Z)
2017-06-05	Address change (Ul. Chabrowa 4, 52-200, Wysoka → Ul. Fiołkowa 1, 52-200, Wysoka)
2017-06-05	Share capital increase (158,000.00 PLN → 758,400.00 PLN)
2017-06-05	Name change (Trans24.eu → Transcards.eu)

FAQ

Last updated: 2026-10-04