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About us

Who we are?

We are an independent broker specializing in receivables management (including receivables insurance, debt collection, trade reports, factoring or insurance guarantees).

For more than 20 years we have been gaining experience working with the largest companies in Poland. We are happy to share our knowledge with our clients, finding the best solutions and supporting them through the entire process of taking care of their receivables.

Our clients appreciate our professionalism and commitment throughout our cooperation and maintaining the receivables insurance policy.

Our specialists have more than 20 years of experience working with accounts receivable insurance

We are an independent broker

We are the only one with our own debt collection company Optimal Balance

We are a member of the Business Centre Club – "the prestigious business club for entrepreneurs and the country's largest organization of individual employers."

Our clients appreciate our professionalism and commitment throughout the cooperation

Meet our team

Artur Kras


Piotr Kulik

Vice President

+48 507 122 460

Rafał Wietrzyński

Vice President

+48 783 440 217

Joanna Kras

+48 603 852 386

Malwina Banasik

Key Account Manager

+48 609 544 112

Magdalena Zielonka

Assistant to the Board

+48 661 380 605

Adrianna Jasiukajć

Regional Representative

+48 533 088 468

Iwona Starzyńska

Key Account Manager

+48 533 088 043

Jakub Działecki

Regional Representative

+48 533 088 486

Frequently Asked Questions

Who is an insurance broker?

A broker is an independent agent representing the client and acting on behalf of the client. A broker assesses risks, negotiates contract clauses, maintains the insurance contracts and help with claims settlements. A broker is paid by the insurer not the client. The services of the broker are free.

What is the role of the broker?

The broker acts on behalf of the client to provide the best trade insurance offer.

What regulations does an insurance broker acts on?

Broker acts on the basis of The Insurance Distribution Act from the 15 December 2017. It is also a state holder of a brokerage services permit no 2054/14 issued by The Polish Financial Supervision Authority.

What does it look like to work with Credit Risk Solution?

Credit Risk Solution represents its client on the basis of a power of attorney issued by the client and prepares an inquiry to Insurers, collects bids, conducts a tender and makes a recommendation to its client. We tabulate more than 30 pricing parameters and provisions. After signing the contract, we actively support the Client during the cooperation with the Insurer. We remind you of the obligations under the receivables insurance contract. We monitor the level of satisfaction with cooperation with the insurer.

Get in touch with our representatives