subra.pl zarządzanie należnościami

receivables management


Optimum solutions in the field of debt collection, factoring, financing and legal services for businesses.

Receivable insurance

This protects the company if domestic or international contracting parties are in default with payment. Trade credit insurance also means effective receivables management, allowing you to select your contracting parties appropriately.

Insurers examine the creditworthiness and solvency of the insured’s contracting parties. The selected insurer sets the limits for the individual entities. If the specific contracting party fails to pay within the agreed date, compensation is paid up to the amount of the limit granted.

Insurance companies are under the obligation to analyse the solvency and creditworthiness of the insured’s contracting parties. The insurer gathers data concerning the payers using various information sources: available archives, payment history, records, financial reports, as well as information obtained from other economic operators. The information gathered in this manner is updated and analysed.

We rely on these fundamental data concerning the company’s activity to analyse its situation in order to determine the advantages and disadvantages of trade credit insurance. If insuring receivables is the right solution for the given entity, we start requesting insurers for quotations.

We then select the best ones and recommend them to you.

If any of the proposals is accepted, we take care to make sure that the relevant agreement with the insurer is signed. We are available to the you throughout the insurance period, looking after your interests.

“In the case of insurance, risk concerns the indeterminacy of future situations and events that may lead to the occurrence of loss.”

Tadeusz T. Kaczmarek, Ryzyko i zarządzanie ryzykiem. Ujęcie interdyscyplinarne, Difin, Warszawa 2005.

DEBT
COLLECTION

Receivables management involves a number of carefully considered and calculated decisions protecting the business from losing liquidity.


LEGAL SERVICES
FOR BUSINESSES

Stay safe, save money as well as time to focus on your core business. Remember, the day only has 24 hours.


FACTORING AND
FINANCING

One of the key challenges any business faces involves finding and using sources of financing that match its plans and capacities.


BUSINESS
RESTRUCTURING

Although it seems obvious that a crisis within a business may lead to collapse, the visible symptoms of problems are often consciously ignored.



contact

Warsaw Office:
Tel. no.: 22 299 19 76
E-mail: biuro@subra.pl
Silesian Office:
Tel. no.: 32 307 46 45
E-mail: biuro@subra.pl

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CASE STUDY: FROM OUR ARCHIVES

Business restructuring

A manufacturing and sales company, strongly impacted by seasonality, targeting its products at demanding high earners with specific interests; it used to be an industry icon at a certain point in the past. The market was dynamic however, and several large entities appeared, reaching customers with products that may have been worse in terms of quality, but cheaper and accessible for everyone. Their good marketing and PR strategies made our client’s market share shrink, and the revenues drop as a result; payment problems appeared, along with requests for payment and enforcement by bailiffs. The first thought the company had was “we’ve been through a lot already, we’ll cope this time too”. However, neither good intentions nor magical thinking managed to solve the problem. What they needed was to contact someone like us. It was hard work: changes were needed in nearly every single area within the company, but the management board cooperated with us, despite initial resistance. Eventually, we managed to restructure the business, calm down the situation, reorient activities and develop a good strategy for the future.

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