What is the main business of Biuro Informacji Kredytowej?

The main business activity of Biuro Informacji Kredytowej focuses on other data processing, hosting and related activities.

When was the company founded?

The company was registered in the Polish National Court Register (KRS) on May 15, 2002.

Where is the headquarters located?

The headquarters is located at: ul. Zygmunta Modzelewskiego 77A, 02-679 Warszawa.

Who is on the management board?

The management board consists of: Agnieszka Szopa Maziukiewicz (Vice President of the Management Board), Mariusz Piotr Cholewa (President of the Management Board), and Sławomir Grzelczak (Vice President of the Management Board).

What is the share capital?

The share capital of the company is PLN 15,550,000 (approx. $4.2 million).

What period do the latest financial data cover?

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

How much revenue was generated?

The company reported a revenue of $72,917,766 in 2024, which is an increase of 10.9% compared to 2023.

Yes, in 2024 the company was profitable, achieving a net profit of $17,437,827, meaning the company increased its profit by 2.9%.

Which cost dominates operating expenses?

The largest operating cost category falls under employee remuneration. This category amounted to $21,933,759 in 2024, representing 43% of all operating expenses.

Biuro Informacji KredytowejS.A.

Other data processing, hosting and related activities

KRS: NIP: REGON:

Overview

Status

Active

Registry date

2002-05-15

Share capital

15 550 000,00 PLN

Activity description

Biuro Informacji Kredytowej is a company that provides credit history reports and scoring assessments to help individuals verify their creditworthiness. It offers services to check for any delays in loan repayments and to ensure that no unauthorized loans have been taken out in one's name. Additionally, it provides protection against credit fraud for individuals and their families.

Registered address

ul. Zygmunta Modzelewskiego 77A, 02-679 Warszawa, Poland

Website

bik.pl

Phone

Social media

Electronic delivery address

AE:PL-43591-59027-SVGWH-15

Financials

Revenue history (in m)

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 2025.

Results vs industry

Revenue

This companyUSD 79.06mMedianUSD 150.48kAverageUSD 5.32m

Net profit

This companyUSD 18.71mMedianUSD 3.26kAverageUSD 584.89k

Operating costs

This companyUSD 56.10mMedianUSD 106.32kAverageUSD 4.44m

Assets

This companyUSD 44.99mMedianUSD 112.24kAverageUSD 5.55m

Industry

Bank accounts

Registered as a VAT taxpayer on 1998-01-08. Active

Erste Bank Polska
14 1090 2851 0000 0001 1192 4861
BNP Paribas Bank Polska
25 1600 1127 0003 0122 8436 8001
Erste Bank Polska
26 1090 0004 0000 0010 6334 0001

Debt

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

Real estate

Type	Amount
Land (incl. perpetual usufruct)	$108$108
Buildings and premises	$5.9M$5,857,990

Public aid

Grant date	Purpose	Gross amount	Granting body
Aug 21, 2020	De minimis aid (in accordance with Commission Regulation No 1407/2013 or earlier)	$1,490$1,490	Zarządca Rozliczeń S.A.
Jul 27, 2020	De minimis aid (in accordance with Commission Regulation No 1407/2013 or earlier)	$1,656$1,656	Zarządca Rozliczeń S.A.

Tenders

No recorded participation in tenders.

Public sector contracts

Biuro Informacji Kredytowej is the contractor in 171 public sector contracts, worth PLN 19.35k in total. They were signed with 4 public buyers.

Signed	Subject	Public buyer	Value
Oct 2, 2026	Udostępnienie informacji dla Instytucji Upoważnionej.	Komenda Wojewódzka Policji w Gdańsku	PLN 13.90
Oct 1, 2026	Udostępnienie informacji dla Instytucji Upoważnionej.	Komenda Wojewódzka Policji w Gdańsku	PLN 13.90
Oct 1, 2026	Udostępnienie informacji dla Instytucji Upoważnionej.	Komenda Wojewódzka Policji w Gdańsku	PLN 13.90
Oct 1, 2026	Udostępnienie informacji dla Instytucji Upoważnionej.	Komenda Wojewódzka Policji w Gdańsku	PLN 13.90
Oct 1, 2026	Udostępnienie informacji dla Instytucji Upoważnionej.	Komenda Wojewódzka Policji w Gdańsku	PLN 13.90

Public buyer	Value
Komenda Wojewódzka Policji w Gdańsku	PLN 13.90
Komenda Wojewódzka Policji w Gdańsku	PLN 13.90
Komenda Wojewódzka Policji w Gdańsku	PLN 13.90
Komenda Wojewódzka Policji w Gdańsku	PLN 13.90
Komenda Wojewódzka Policji w Gdańsku	PLN 13.90

Trademarks

Biuro Informacji Kredytowej holds 37 active trademarks registered with the Polish Patent Office. 22 marks have expired or were not registered. The first mark was filed in 1998.

Mark	Number	Classes	Status	Protected until
KRS-firma	Z.554913	35, 36, 38, 42	Protected	Apr 17, 2033
BIK Open API	Z.554799	9, 35, 36, 38, 42	Protected	Apr 13, 2033
BIK SCO SOCJO-DEMO	Z.549279	35, 36, 38, 42	Protected	Nov 16, 2032
BIK TOOLBOX	Z.549268	35, 36, 38, 42	Protected	Nov 16, 2032
BIK KLIENT INDYWIDUALNY	Z.549287	35, 36, 38, 42	Protected	Nov 16, 2032

Mark	Protected until
KRS-firma	Apr 17, 2033
BIK Open API	Apr 13, 2033
BIK SCO SOCJO-DEMO	Nov 16, 2032
BIK TOOLBOX	Nov 16, 2032
BIK KLIENT INDYWIDUALNY	Nov 16, 2032

Authorized Representatives

Marta Anna Agatowska – Attorney-in-fact (joint)

Agnieszka Szopa Maziukiewicz – Vice President of the Management Board

Aleksandra Hybsz – Attorney-in-fact (joint)

Mariusz Piotr Cholewa – President of the Management Board

Sławomir Grzelczak – Vice President of the Management Board

Manner of representation

- President of the Management Board independently, - two members of the management board jointly, - a member of the management board jointly with a commercial proxy.

Supervisory board

Tadeusz Piotr Białek – Supervisory Board Member

Joanna Erdman – Supervisory Board Member

Marcin Gadomski – Supervisory Board Member

Maciej Grzegorz Krywoniuk – Supervisory Board Member

Joanna Ostrowska Szajnfeld – Supervisory Board Member

Beneficial owners

Person	Rights

Subsidiaries

	Name	Share value	Stake
	Digital FingerprintsS.A.	1,223,346.50 USD	100%

Competitors

Name	Revenue	Website
Krajowy Rejestr Długów Biuro Informacji GospodarczejS.A.	$50,399,528.69	krd.pl
Crifsp. z o.o.	$27,707,165.03	crif.pl
Biuro Informacji Gospodarczej InfomonitorS.A.	$11,247,504.25	big.pl

Change history

Date	Event
2019-01-22	Address change (Ul. Jacka Kaczmarskiego 77a, 02-679, Warszawa → Ul. Zygmunta Modzelewskiego 77a, 02-679, Warszawa)
2018-01-08	Address change (Zygmunta Modzelewskiego 77a, 02-679, Warszawa → Ul. Jacka Kaczmarskiego 77a, 02-679, Warszawa)
2006-07-31	Address change (Mariana Sengera "cichego" 1, 02-790, Warszawa → Zygmunta Modzelewskiego 77a, 02-679, Warszawa)
2002-09-30	Address change (Jana Sengera - Cichego 1, 02-790, Warszawa → Mariana Sengera "cichego" 1, 02-790, Warszawa)
2002-05-15	Entered in the register

FAQ

Last updated: 2026-06-29