A debtor report compiled before Polish restructuring proceedings maps what encumbers the entity and what the official registers show about its asset base. It answers the collateral question directly: what security exists, what already attaches to it, and where the register trail ends.
- What the registers show
- Insolvency and restructuring filings, registered pledges, mortgage entries, enforcement proceedings, and KRS corporate status. Sources: Krajowy Rejestr Zadłużonych, Rejestr Zastawów, księgi wieczyste, KRS · verified 12.08.2026
- Access condition
- KRZ and KRS are publicly searchable by entity name or NIP/KRS number. Rejestr Zastawów requires the pledged asset identifier or debtor PESEL/NIP. Księgi wieczyste require the land-and-mortgage register number.
- What the registers do not show
- Undisclosed contractual pledges, unregistered retention-of-title arrangements, or security created under foreign law over Polish assets.
- Verified
- 12.08.2026
Why the timing matters: collateral before restructuring opens
Polish restructuring law — Prawo restrukturyzacyjne — creates a stay on enforcement the moment proceedings open. A creditor or lender who has not mapped the debtor's encumbrance position before that moment enters the process blind. The collateral angle of this report addresses that gap: it establishes what security exists and what already attaches to it, using official registers available before the stay takes effect.
The report does not predict the outcome of restructuring. It records what the registers show at the point of retrieval. That record becomes the baseline for any subsequent comparison.
What the Polish registers cover
Four registers are relevant to a debtor's collateral position. Each has a defined scope and a defined ceiling.
| Register | What it shows | What it does not show | Access condition |
|---|---|---|---|
| Krajowy Rejestr Zadłużonych (KRZ) | Filed restructuring and insolvency cases; court decisions; appointed supervisors and administrators | Pre-filing negotiations; informal moratoriums; foreign proceedings not recognised in Poland | Public, searchable by name or NIP/KRS number |
| Rejestr Zastawów | Registered pledges over movable assets and rights; pledgee identity; pledge amount where stated | Unregistered pledges; financial collateral arrangements under the 2004 Act; foreign-law security | Searchable by debtor NIP/PESEL or asset identifier |
| Księgi wieczyste | Mortgage entries (hipoteka); easements; ownership chain for Polish real property | Contractual restrictions not entered in the register; pending applications not yet processed | Searchable by land-and-mortgage register number (numer KW) |
| Krajowy Rejestr Sądowy (KRS) | Corporate status; registered share capital; management board; filed financial statements | Shareholder-level pledges over shares not entered in the register; beneficial ownership beyond direct layer | Public, searchable by name or KRS number |
The enforcement register and its role in collateral mapping
KRZ also records enforcement proceedings initiated against the debtor. An active enforcement entry alongside a restructuring filing signals that creditors have already moved. The sequence of entries — enforcement first, restructuring application second — is a factual data point the report records.
The register shows the existence of proceedings and the court involved. It does not show the amount claimed in each enforcement action, the stage reached, or whether the enforcement creditor holds security. Those details require separate retrieval from the court file, which is a distinct step covered at the Extended tier.
Registered pledges: what Rejestr Zastawów confirms and where it stops
A registered pledge (zastaw rejestrowy) is constituted by entry in Rejestr Zastawów. The register records the pledgee, the encumbered asset or category of assets, and — where the parties have stated one — the maximum secured amount. Retrieval requires the debtor's NIP or PESEL, or an asset identifier.
The register does not capture financial collateral arrangements under the Act of 2 April 2004. Those arrangements take effect by possession or control transfer, not registration. A clean result in Rejestr Zastawów therefore does not rule out financial collateral over the debtor's receivables or securities.
Foreign-law security created over Polish assets — for example, an English-law charge over shares in a Polish subsidiary — does not appear in any Polish register unless separately enforced or recognised here. The report states this ceiling explicitly.
Mortgage entries and real property collateral
Hipoteka is constituted by entry in the land-and-mortgage register (księga wieczysta). Each property has a separate register, identified by a unique KW number. The report retrieves the current mortgage section for each property identified as belonging to the debtor entity.
The mortgage section shows the creditor, the currency and — where entered — the maximum secured amount. It does not show the current outstanding balance of the secured debt. The balance requires a separate inquiry to the secured creditor or the court file.
Applications pending processing at the land registry court are not yet visible in the register. A mortgage may have been applied for and not yet entered. The report records the register position at the date of retrieval; it does not predict pending entries.
The limit of what the sources allow
The ceiling of what the sources allow is stated before payment. Four structural limits apply to any debtor report compiled from Polish registers at this stage.
First, KRZ shows filed proceedings. It does not show pre-filing negotiations, informal standstill agreements, or a restructuring plan under discussion but not yet submitted to the court. A debtor may be in active restructuring talks with its principal creditors while the register shows nothing.
Second, Rejestr Zastawów covers registered pledges only. Unregistered security — financial collateral, retention of title, contractual set-off arrangements — is outside the register's scope. A clean result means no registered pledge exists; it does not mean no security exists.
Third, the KW number for each property must be known or identified before the mortgage section can be retrieved. Where the debtor owns real property under a corporate name not yet matched to a specific KW number, an additional identification step is required. The Extended tier includes that step.
Fourth, the beneficial ownership register (CRBR) records the reported ultimate beneficial owner. It does not verify the accuracy of the declaration. Where the reported UBO differs from the economic reality, the register reflects the declaration, not the fact.
What is included at each tier
| Tier | Price (EUR, ex VAT) | Included | Not included |
|---|---|---|---|
| Signal | €590 |
KRZ check: restructuring and insolvency filings, enforcement entries. KRS check: corporate status, registered capital, management board, filed financials. Rejestr Zastawów check by debtor NIP: registered pledges, pledgee identity. Written summary with source references and retrieval dates. |
Mortgage section retrieval (requires KW numbers). Court file retrieval for enforcement proceedings. CRBR beneficial ownership check. Cross-border security analysis. Financial collateral identification. |
| Standard | €990 |
Everything in Signal. CRBR beneficial ownership check. Mortgage section retrieval for up to three KW numbers identified by the client. KW number identification for up to three properties where address is provided. Comparison table: registered security by creditor and asset class. |
Court file retrieval for enforcement proceedings. KW retrieval beyond three properties. Cross-border security analysis. Financial collateral identification. Sector-licence or permit checks. |
| Extended | €2,200 |
Everything in Standard. Court file retrieval for up to three enforcement proceedings identified in KRZ. KW retrieval beyond three properties (up to ten total). Rejestr Zastawów retrieval by asset identifier where NIP search returns incomplete results. CRBR chain mapping to the first natural-person layer. Sector-licence status check (UOKiK, KNF, or sector regulator as applicable). Structured findings memorandum with source matrix and gap analysis. |
Legal qualification of findings. Advice on restructuring strategy or creditor ranking. Court file retrieval beyond three proceedings. KW retrieval beyond ten properties. Foreign-law security analysis. |
Frequently asked questions
Can the report be ordered before restructuring proceedings open?
Yes. The registers are accessible regardless of whether proceedings have been filed. Ordering before the filing date establishes a pre-stay baseline. The report records the register position at retrieval date.
What if the debtor operates through multiple Polish entities?
Each legal entity requires a separate KRS and KRZ check. Rejestr Zastawów and KW retrieval are entity- and asset-specific. A multi-entity structure requires a scope discussion before the report is ordered. Contact info@kordeckipartners.com to confirm scope.
Does a clean KRZ result mean no restructuring is imminent?
No. KRZ shows filed proceedings. Pre-filing negotiations, informal standstills, and restructuring plans under discussion do not appear in the register. A clean result means no filed proceedings exist at the date of retrieval.
What is the turnaround time?
Signal and Standard reports are delivered within three business days of confirmed scope and receipt of the debtor's identifying details (name, NIP or KRS number). Extended reports require five business days. Court file retrieval may extend this where the court requires a formal request.
Is the report available in English?
Yes. All tiers are delivered in English. Source documents extracted from Polish registers are reproduced in the original Polish with an English summary of material entries.
What identifying information is needed to start?
At minimum: the debtor's full registered name and NIP or KRS number. For KW retrieval: the KW number or the property address. For Rejestr Zastawów retrieval by asset: the asset identifier where available.
Disclaimer: This report is a factual compilation from official registers and public sources. It is provided for informational purposes only, does not constitute legal advice, and contains no legal qualification of the facts established. KORDECKI & Partners assumes no liability for actions taken or not taken based on this material. For advice regarding your particular situation, please contact info@kordeckipartners.com.