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about BEST S.A.

About BEST Group

Business profile

BEST S.A. is one of the largest businesses in the debt collection industry in Poland.

The company is the parent of the BEST Group, which actively invests in non-performing debt portfolios.

The company was established in 1994 under the name of BEST Przedsiębiorstwo Handlowe S.A. and at that time was involved in hire purchase and the distribution of credit products. In 2002 it underwent an operational and financial reorganisation, ceasing its credit intermediation activities, and focusing instead on the debt collection and debt portfolio management business.

In 2005 BEST S.A. established one of the first securitisation funds in the market, namely BEST I NSFIZ, followed in 2007 by a daughter company to manage investment funds: BEST TFI S.A.

In 2010 BEST S.A. obtained a licence of the Polish Financial Supervision Authority (KNF) to manage securitised assets of securitisation funds (as the first player in the Polish market).

BEST S.A., as a member and co-founder of the Conference of Financial Companies in Poland (KPF) and co-founder and moderator of the Principles of Good (Debt Collection) Practices, actively contributes to the development and shaping of the debt market in Poland.

Structure

BEST Group

Division of tasks between individual member entities of BEST Capital Group is a derivative of the distribution of tasks and activities related to a comprehensive management of non-performing debts.

Such an arrangement contributes to an improved organisational structure and a better management of operational risk, as well as making it possible to implement an excellent cost control scheme.

  • The Special Purpose Vehicle (SPV) has been created solely for entities belonging to the BEST Group
  • Interest of BEST S.A. – 100%
  • Type of relationship – subsidiary

  • Investing funds raised from investors by the issue of investment certificates and bonds in non-performing debt portfolios
  • Interest of BEST S.A. – 100%
  • Type of relationship – subsidiary

  • Investing funds raised from investors by the issue of investment certificates and bonds in non-performing debt portfolios
  • Interest of BEST S.A. – 100%
  • Type of relationship – subsidiary

  • Investing funds raised from investors by the issue of investment certificates and bonds in non-performing debt portfolios
  • Interest of BEST S.A. – 50%
  • Type of relationship – jointly controlled

  • Investing funds raised from investors by the issue of investment certificates and bonds in non-performing debt portfolios
  • Interest of BEST S.A. – 100%
  • Type of relationship – subsidiary

  • Stablishment of investment funds
  • Management of investment funds
  • Purchase / sale of debts
  • Interest of BEST S.A. – 100%
  • Type of relationship – subsidiary

  • Preparation of legal opinions
  • Providing legal advice and consultation
  • Investigation or enforcement of debt-related performances
  • Representing entities from the BEST Group in court and enforcement proceedings and in proceedings to secure claims
  • Interest of BEST S.A. – 90%
  • Type of relationship – subsidiary

  • BEST Capital Italy is a special purpose securitization company whose activities include investing in receivables or receivable-related assets.

  • Italian company based in Milan
  • Debt servicing and debt collection activities on the Italian market
  • Share of BEST S.A. – 100%
  • The nature of the dependency – dependent

Our values

Mission and ethics

Mission statement

We promote financially responsible behaviours and business reliability. We help our Customers deal with debt, restore their financial stability and promote ethical standards on the financial services market, and our relations with stakeholders are based on honesty and respect.

VISION

We are focused on growth and investing in new technologies to be a technology leader on the debt market in Europe, and by promoting our values, we build long-term trust and a positive reputation of the debt collection industry.

The BEST Group Code of Ethics is a guide to values and ethical standards that guide us in everyday activities.

Further details
Our values matter to us

We follow the Principles of Good Debt Collection Practices

The Principles of Good Practices is a document which is a set of rules of conduct adopted for application by enterprises operating on the financial market that are members of the Polish Financial Corporation.

As a member of the Union of Financial Companies in Poland (ZPF), once a year we undergo an ethical audit conducted by the Ethics Committee of the ZPF, checking compliance with the Principles of Good Practices. The following certificate confirms that we have passed the audit with a positive result.

Do you think that there has been a breach of the “Principles of Good Practice” by a BEST representative?

You have the option of submitting an application for the initiation of proceedings by the ZPF Ethics Committee:

ul. Długie Pobrzeże 30, 80-888 Gdańsk

Our history

Learn more about BEST history


Year

1994

Establishment of BEST S.A., a credit intermediary, which quickly becomes a market leader in the hire purchase business and distribution of banking products.

1994

1997

Debut of BEST S.A. on the Warsaw Stock Exchange.

1997

2002

Takeover of BEST S.A. by Krzysztof Borusowski and Marek Kucner. Moving away from the credit intermediation activity towards the debt collection business.

2002

2005

BEST creates one of the first securitisation funds – BEST I NSFIZ.

2005

2006

BEST I NSFIZ buys a claim porfolio from Kredyt Bank S.A. and Żagiel S.A. whose per value exceeds 1.5 bilion PLN. This is one of the largest transactions of this type in Poland.

2006

2007

Opening of the Service Centre in Elbląg.

2007

2007-2008

Establishment of BEST TFI S.A. and BEST II NSFIZ.

2007-2008

2010

BEST II NSFIZ becomes the first securitisation fund in Poland to issue bonds.

2010

2011

Bonds of BEST S.A., BEST II NSFIZ and BEST III NSFIZ make their debut on Catalyst (WSE Bond Market).

2011

2013

Taking over the management of BEST I NSFIZ by BEST TFI S.A. Historically high financial results.

2013

2014

Public issue of bonds.

2014

2015

Purchase of 33% of the shares of Kredyt Inkaso.

2015

2016

Sigma – launch of a system to support debt collection processes.

2016

2017

Establishment of BEST IV NSFIZ and BEST CAPITAL ITALY.

2017

Company authorities

Company authorities


Management Board

President of the Management Board

Krzysztof Borusowski

Vice-President of the Management Board

Marek Kucner

Member of the Management Board

Maciej Bardan

Supervisory Board

Chairman of the supervisory board

Prof. Dariusz Filar, Ph.D.prof. University of Gdańsk

Vice-chairman of the supervisory board

Prof. Leszek Pawłowicz, Ph.D.prof. University of Gdańsk

Chairman of the remuneration committee

Mirosław Gronicki

Chairman of the audit committee

Wacław Nitka

Member of the supervisory board

Ewa Sudoł

Member of the supervisory board

Maciej Matusiak

CSR at BEST

Social responsibility

Striving for perfection is integral to being socially responsible.

Being fully aware of our role in the internal and external environments, we keep CSR in mind in the daily activities of BEST Group.

ESG Strategy Corporate philanthropy
01

Based on values

On our path to success, we act based on our core values: KNOW-HOW, ETHICS and EFFICIENCY.

02

Aspiring to be a socially responsible company

Means for us being a professional and reliable business partner, a valued employer, a good neighbour and an inspiring partner in business and social initiatives.

03

Together we maximize the positive impact on sustainable development

We listen to our stakeholders and build responsible relations with the market, our employees, local communities and the natural environment to jointly maximise the positive impact on sustainable development.

Sustainable development

CSR means being responsible for the impact of our decisions – not only here and now, towards our existing stakeholders, but also towards future generations.

Check out our latest CSR report
01

Economy, society, environment

We promote activities in line with our triple guideline concept, taking into account economic, social and environmental aspects.

02

We consider the recommendations formulated in the 2030 Sustainable Development Agenda,

in particular in areas such as ending poverty in all its forms everywhere, providing quality education and promoting life-long learning as well as ensuring healthy lives and promoting well-being for all at all ages.

03

We have been reporting non-financial data since 2019

In the ESG Report, we show our approach to issues of social responsibility and sustainable development that are important from the perspective of the financial industry.

Code of ethics

The BEST Group Code of Ethics is a guide to values and ethical standards that guide us in everyday activities

The Code represents our core values and, based on moral principles, complements and reinforces the principles set out in the law. Its role is to promote ethical awareness and mutual trust in our daily work, to support the establishment and maintenance of harmonious

relations between our Employees as well as with our customers, business partners and third parties, including the local communities, and the natural environment.

View report

Suspected violations of the Code of Ethics can be reported by e-mail to etyka@best.com.pl or by putting a report in one of our “white boxes” at the company offices.

BEST towards Employees

Our advantage are the skills provided by our employees.

They are a derivative of their knowledge and experience. This is the intangible one capital, not fixed assets, that constitute our real assets. They allow us not only to successfully conduct our current operations but also look for new technological solutions and procedures. Thanks to them we can develop.

See more

Received awards

2023

Gryf Gospodarczy

Pomeranian Gryf Gospodarczy Award in the “Competence Development Leader” category.

2023

“Polityka Leaves” CSR Award

BEST awarded the White CSR Leaf in the list of socially responsible companies.

Od 2015

Polish Contact Center Awards

BEST consultants are regularly awarded in the PCCA competition (formerly Telemarketer of the Year).

2021

Award of the President of Elbląg

Entrepreneurship and Innovation Award – honoring contributions to the local economy and community.

Work

Career

Work with us, grow and expant your qualifications.

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