What is the main business of SM Finance?

The main business activity of SM Finance focuses on other monetary intermediation.

When was the company founded?

The company was registered in the Polish National Court Register (KRS) on June 19, 2020.

Where is the headquarters located?

The headquarters is located at: ul. Komunalna 3C, 64-300 Nowy Tomyśl.

What is the share capital?

The share capital of the company is PLN 5,000 (approx. $1,351).

What period do the latest financial data cover?

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

How much revenue was generated?

In 2025, the company generated total revenue of $16,796.

No, the company recorded a net loss of $14,003 in 2025. For comparison, in 2024 the loss was $7,317, meaning the company increased its loss by 90.9%.

What is the largest operating cost?

The largest operating cost category falls under employee remuneration. This category amounted to $24,108 in 2025, representing 80% of all operating expenses.

SM Financesp. z o.o.

Other monetary intermediation

KRS: NIP: REGON:

Overview

Status

Active

Registry date

2020-06-19

Share capital

5,000.00 PLN

Registered address

ul. Komunalna 3C, 64-300 Nowy Tomyśl, Poland

Financials

Revenue history (in k)

Filing timeliness

4 of 6 financial statements were filed late (the longest delay 1119 days for 2020).

202526/05/2026
202408/05/2025
202305/11/2024
202205/11/2024
202105/11/2024
202007/11/2024

Filed on timeDelayFiling deadline

The statements for 2020–2023 report only zeros (no activity).

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 16.80kMedianUSD 283.18kAverageUSD 34.90m

Net profit

This companyUSD -14.00kMedianUSD 14.88kAverageUSD 6.70m

Operating costs

This companyUSD 30.18kMedianUSD 156.41kAverageUSD 19.31m

Assets

This companyUSD 6.17kMedianUSD 535.44kAverageUSD 471.18m

Industry

Authorized Representatives

Radosław Molenda – Management Board Member

Manner of representation

In the case of a one-person management board, the member of the management board makes declarations on behalf of the company. In the case of a management board consisting of two or more persons, joint action by two members of the management board or by one member of the management board jointly with a commercial proxy is required to make declarations on behalf of the company.

Ownership

Owner	Shares	Share value	Stake
Radosław Molendaage 47	50	$675.31	50%
Łukasz Szkudlarekage 43	50	$675.31	50%

Beneficial owners

Person	Rights

Debt

No entries in the National Debtors Register (KRZ).

Public aid

No public aid cases recorded in the last 10 years.

Regulatory authorisations

Authority	Type	Status
KNF	Mortgage intermediary agent	Active

Competitors

Name	Revenue	Website
Krajowy Integrator PłatnościS.A.	$26,378,247.19	tpay.com
F-Trust IwealthS.A.	$2,637,511.41	f-trust.pl
Social BankingS.A.	$608,929.07	socialbanking.pl
TO Twój Adressp. z o.o.	$410,291.47	totwojadres.pl
Social Bankingsp. z o.o.	$353,578.52	socialbanking.pl
Grupa Polski Dom Finansowysp. z o.o.	$230,940.38	gpdf.pl
Sgb-BankS.A.	$171,389.29	sgb.pl
Szósta - Sowiniec GroupS.K.A.	$99,224.17	sowiniec.pl
Premium Park 30sp. z o.o.	$1,118.89	fortis.investments
Avidasp. z o.o.	$7.01	avida.com.pl

Change history

Date	Event
2024-03-20	Address change (Ul. Woźna 9c/2, 61-777, Poznań → Ul. Komunalna 3c, 64-300, Nowy Tomyśl)
2024-03-20	Name change (Sm Budownictwo → Sm Finance)
2024-03-20	PKD change (Removed: 9 codes; Added: 3 codes)
2020-06-19	Entered in the register

FAQ

Last updated: 2026-05-26