What is the main business of Paytree?

The main business activity of Paytree focuses on other credit granting.

When was the company founded?

The company was registered in the Polish National Court Register (KRS) on October 17, 2022.

Where is the headquarters located?

The headquarters is located at: ul. Piastowska 7, 80-332 Gdańsk.

Who is on the management board?

The management board consists of: Bartłomiej Jakub Garczyk (President of the Management Board), Radosław Józef Dylik (Member of the Management Board), and Piotr Jackowski (Member of the Management Board).

What is the share capital?

The share capital of the company is PLN 1,192,250 (approx. $322,056).

What period do the latest financial data cover?

The latest available financial statement covers the period from January 1, 2025 to December 31, 2025.

What revenue was generated?

The company reported a revenue of USD 5,182,593 in 2025, which is an increase of 72.6% compared to 2024.

Is the company profitable?

Yes, in 2025 the company was profitable, achieving a net profit of USD 233,143.

What is the main operating cost?

The largest operating cost category falls under external services. This category amounted to USD 3,587,090 in 2025, representing 72% of all operating expenses.

PaytreeS.A.

Other credit granting

KRS: NIP: REGON:

Overview

Status

Active

Registry date

2022-10-17

Share capital

1 192 250,00 PLN

Activity description

Paytree is a company that provides flexible financial solutions in the non-banking sector, focusing on consumer finance. They utilize advanced statistical models and data analysis to streamline the loan application process, aiming to minimize formalities for clients. Additionally, Paytree operates under a white label strategy, creating customized financial products for their business partners.

Registered address

ul. Piastowska 7, 80-332 Gdańsk, Poland

Website

paytree.pl

Phone

Social media

Electronic delivery address

AE:PL-63097-47299-DWCEF-10

Financials

Revenue history (in k)

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 5.18mMedianUSD 81.74kAverageUSD 3.38m

Net profit

This companyUSD 233.14kMedianUSD 3.01kAverageUSD 15.03k

Operating costs

This companyUSD 4.96mMedianUSD 31.93kAverageUSD 2.47m

Assets

This companyUSD 2.92mMedianUSD 309.53kAverageUSD 22.85m

News

2020-06-08

We have started operations

Industry

Bank accounts

Registered as a VAT taxpayer on 2021-06-18. Active

BNP Paribas Bank Polska
27 1600 1462 1894 6674 6000 0001
Erste Bank Polska
08 1090 1098 0000 0001 4660 2709
BNP Paribas Bank Polska
16 1600 1462 1894 6674 6000 0005

Debt

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

Public aid

Grant date	Purpose	Gross amount	Granting body
Oct 17, 2022	De minimis aid (in accordance with Commission Regulation No 1407/2013 or earlier)	––	Prezydent Miasta Gdańsk

Tenders

No recorded participation in tenders.

Trademarks

Paytree holds 3 active trademarks registered with the Polish Patent Office. 1 mark has expired or was not registered. The first mark was filed in 2024.

Mark	Number	Classes	Status	Protected until
insurpay	Z.571693	36	Protected	Jul 9, 2034
OPENA(word)	Z.571690	36	Protected	Jul 9, 2034
opena	Z.571691	36	Protected	Jul 9, 2034
INSURPAY(word)	Z.571692	36	Refused	–

Mark	Protected until
insurpay	Jul 9, 2034
OPENA(word)	Jul 9, 2034
opena	Jul 9, 2034
INSURPAY(word)	–

Regulatory authorisations

Authority	Type	Status
KNF	Small payment institution	Inactive

Authorized Representatives

Bartłomiej Jakub Garczyk – President of the Management Board

Radosław Józef Dylik – Management Board Member

Piotr Jackowski – Management Board Member

Manner of representation

Each member of the management board is authorized to represent the company independently.

Supervisory board

Aneta Agnieszka Włostowska – Supervisory Board Member

Michał Zygmunt Chałaczkiewicz – Supervisory Board Member

Krzysztof Fąferek – Supervisory Board Member

Jerzy Tadeusz Kobyliński – Supervisory Board Member

Beneficial owners

Person	Rights

Competitors

Name	Revenue	Website
EfaktorS.A.	$18,048,886.92	efaktor.com.pl
Arena Financesp. z o.o.	$13,864,905.78	arenafinance.eu
AssetaS.A.	$12,178,247.63	asseta.pl
Transcash.EuS.A.	$8,389,553.84	transcash.eu
LM PayS.A.	$7,041,862.81	mediraty.pl
PRA Group Polska Sub-Holdingsp. z o.o.	$4,136,112.51	pragroup.pl
WealthonS.A.	$3,999,586.30	wealthon.com
BALT Creditsp. z o.o.	$3,512,273.59	baltcredit.pl
Fingo CapitalS.A.	$2,416,632.14	fingocapital.pl
JanvestS.A.	$2,293,613.50	janvest.pl

Change history

Date	Event
2026-08-03	Share capital change (1,205,900.00 PLN → 1,192,250.00 PLN)
2025-03-03	Address change (Ul. Chłopska 53, 80-350, Gdańsk → Ul. Piastowska 7, 80-332, Gdańsk)
2025-03-03	Share capital change (1,199,000.00 PLN → 1,205,900.00 PLN)
2025-01-23	Share capital change (1,137,250.00 PLN → 1,199,000.00 PLN)
2024-05-23	Share capital change (1,123,500.00 PLN → 1,137,250.00 PLN)

FAQ

Last updated: 2026-09-02