zarządzanie należnościami

receivables management

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

Tomasz Makowski

Debt Collection Department

I have been working with Subra ever since it was established, and my experience in the field of receivables trading spans 10 years. In this period, I have developed particular expertise with regard to business debt collection, risk analysis and debt purchasing. In my work with clients, I focus on reliability and diligence. I am firm and consistent, on the other hand, when dealing with debtors. I look after the efficient functioning of the Debt Collection Department, making sure it performs up to the highest standards. What motivates me is the possibility of meeting new people face-to-face, and of constantly learning new things.

I am an economist by education, but I don’t like to follow common thought patterns and behaviour models. I like to go off the beaten track. My career in the financial sector allows me to use the knowledge I have every single day.

I believe that clients’ expectations can only be met by approaching them in an individual and flexible manner.


Warsaw Office:
Tel. no.: 22 299 19 76
Silesian Office:
Tel. no.: 32 307 46 45

leave message

Phone number or email address. We will contact you as soon as possible.


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.

more information