What is the main business of Spec od Kredytu?

The main business activity of Spec od Kredytu focuses on data processing, hosting and related activities.

When was the company founded?

The company was registered in the Polish National Court Register (KRS) on August 16, 2023.

Where is the headquarters located?

The headquarters is located at: ul. Abp. Józefa Teodorowicza 4, 02-972 Warszawa.

Who is on the management board?

The management board consists of: Iwona Klepacka (President of the Management Board).

What is the share capital?

The share capital of the company is PLN 6,000 (approx. $1,621).

What period do the latest financial data cover?

The latest available financial statement covers the period from January 1, 2024 to December 31, 2024.

What revenue was generated?

The company reported a revenue of $2,552 in 2024, which is an increase of 2036704.0% compared to 2023.

Is the company profitable?

No, in 2024 the company was not profitable, reporting a net loss of $1,616. For comparison, in 2023 the loss was $902, meaning the company increased its loss by 70.2%.

What is the main operating cost?

The largest operating cost category falls under external services. This category amounted to $4,125 in 2024, representing 99% of all operating expenses.

SPEC od Kredytusp. z o.o.

Data processing, hosting and related activities

KRS: NIP: REGON:

Overview

Status

Active

Registry date

2023-08-16

Share capital

6 000,00 PLN

Activity description

Spec Od Kredytu is a company that offers housing loans and provides consultations for various credit needs, including home construction and property purchases. They also facilitate access to the "Mieszkanie na start" program and assist clients in checking their creditworthiness or refinancing existing loans. Additionally, they provide a free e-book with important information about a new legislative project related to housing loans.

Registered address

ul. Abp. Józefa Teodorowicza 4/87, 02-972 Warszawa, Poland

Website

specodkredytu.pl

Financials

The financial statement for 2025 has not yet been filed with the Financial Document Repository (past deadline).

Revenue history

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

Revenue

This companyUSD 2.55kMedianUSD 51.82kAverageUSD 1.99m

Net profit

This companyUSD -1.62kMedianUSD 747.87AverageUSD 105.82k

Operating costs

This companyUSD 4.17kMedianUSD 52.39kAverageUSD 1.79m

Assets

This companyUSD 1.76kMedianUSD 45.63kAverageUSD 2.43m

Industry

Bank accounts

Registered as a VAT taxpayer on 2023-09-18. Active

ING Bank Śląski
63 1050 1025 1000 0090 8269 5611

Debt

No entries in the National Debtors Register (KRZ). No proceedings in KRZ

Public aid

No public aid cases recorded in the last 10 years.

Tenders

No recorded participation in tenders.

Authorized Representatives

Iwona Klepacka — President of the Management Board

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
Iwona Klepacka (45)	10	$162.07	10%
Marcin Krzyszczak (37)	45	$729.34	45%
Mariusz Damian Tober (39)	45	$729.34	45%

Beneficial owners

Person	Rights
Iwona Klepacka (45)	Shareholder of a limited liability company, 600.0 PLN
Marcin Krzyszczak (37)	Shareholder of a limited liability company, 2700.0 PLN
Mariusz Damian Tober (39)	Shareholder of a limited liability company, 2700.0 PLN

Competitors

Name	Revenue	Website
Mecenatura Polskasp. z o.o.	$15,056.88	mecenatura.org
Emediator.Plsp. z o.o.	$11,462.05	emediator.pl
Krajowa Grupa Poręczeniowasp. z o.o.	$2,774.85	grupaporeczeniowa.pl

FAQ

Last updated: 2026-04-24