KORDECKI & Partners prepares collateral-value reports for individual clients — private buyers, private lenders, and natural persons acting as guarantors on Polish transactions. The object of analysis is the asset or the deal structure, not the identity of the person ordering the report.
- Who may order
- Any natural person with a legitimate interest in a Polish asset. No corporate status required. Source: firm intake policy · confirmed 07.07.2026
- Object of the report
- The collateral itself — land register status, encumbrances, enforcement entries, insolvency of the transferring party. Source: KW (land register), KRZ (insolvency register), KRS (entity register) · verified 07.07.2026
- What is not assessed
- Market valuation. The reports establish what the registers show, not what the asset is worth in exchange. Source: firm scope policy · confirmed 07.07.2026
- Language of output
- English. Polish source extracts reproduced in original with translation notes where material.
What the collateral check covers for an individual client
The core question for any private buyer or lender is whether the asset is free to transfer and whether prior claims reduce its security value. Polish official registers answer parts of that question. Each register has a defined scope. Each has conditions of access. The report maps what each source shows, what it does not show, and where the chain stops.
For real property, the Księga Wieczysta (land register) is the primary source. It records ownership, mortgages, easements, and use rights. A mortgage entered in Section IV binds the property regardless of the buyer's knowledge. The register is public. Reading it requires the property's KW number, which is not always available to a foreign party before signing a preliminary agreement.
For movable collateral and registered pledges, the Rejestr Zastawów held by the Ministry of Justice records security interests over movables, receivables, and rights. The register is searchable by debtor name or PESEL/NIP identifier. An unregistered pledge does not appear here — that is a structural limit of the source, not a gap in the search.
Insolvency and enforcement status of the transferring party
A transfer of property by a party in insolvency or restructuring proceedings may be challenged. The Krajowy Rejestr Zadłużonych (KRZ) records insolvency petitions, restructuring proceedings, and enforcement suspensions. The register is public and free of charge.
This register is public and free of charge. What the report provides is the removed path: the correct identifier for the Polish party, the language barrier, the interpretation of procedural status entries, and a written summary usable in due diligence documentation.
A negative result in KRZ does not guarantee that no petition has been filed. Entries appear after court acceptance of the filing, not at the moment of submission. That gap is a structural limit of the source and is stated in every report.
Entity-level checks where the seller or pledgor is a company
Where the transferring party is a Polish legal entity, the Krajowy Rejestr Sądowy (KRS) records the entity's registered capital, management board, representation rules, and any liquidation or bankruptcy entries. A transaction signed by a person without authority to bind the entity is voidable. The KRS extract confirms who holds that authority at the date of signing.
The KRS does not record the ultimate beneficial owner. That information sits in the Centralny Rejestr Beneficjentów Rzeczywistych (CRBR). Access conditions and the reliability of CRBR entries are subject to ongoing regulatory change following CJEU case law on beneficial ownership registers across the EU. The report states current access conditions at the time of preparation.
The limit of what the sources allow
The ceiling of what the sources allow is stated before payment, not after. Each register has a defined perimeter. The land register shows encumbrances entered against the property number — it does not show oral agreements, unregistered usufructs created before 1982, or claims arising after the extract date. The insolvency register shows proceedings accepted by the court — it does not show pending petitions. The pledge register shows registered pledges — it does not show financial collateral arrangements governed by the 2004 Act on Financial Collateral, which do not require registration.
Where sources disagree — for example, where the KRS shows a company as active but KRZ shows a restructuring entry — that disagreement is itself a finding. It is reported as such, not resolved by the analyst.
The report does not assess market value, enforceability prospects, or the legal quality of the underlying transaction. Those questions fall outside the scope of a factual register compilation.
Where the sources disagree
Polish registers are maintained by different authorities under different update cycles. A KRS entry may reflect a board change registered weeks after the actual decision. A KW mortgage entry may remain after the underlying debt was discharged, if the creditor has not yet filed for deletion. These gaps are not errors in the registers — they are structural features of the system. The report identifies each discrepancy found and states which source is likely to reflect the current legal position, without qualifying which party bears the risk.
Format and delivery
Reports are delivered in English as a structured PDF. Each factual finding is tagged with the source register, the extract reference, and the retrieval date. The report is prepared under the substantive supervision of Marcin Stolarz, Analyst, Adwokat, who specialises in restructuring, insolvency law, and economic criminal defence.
To request a report or ask about scope for a specific asset, write to info@kordeckipartners.com. Describe the asset type, the KW number or entity NIP if known, and the nature of the transaction. Scope and turnaround are confirmed before any work begins.
Frequently asked questions
Does the firm work with private individuals, not just companies?
Yes. The reports are ordered by natural persons as often as by corporate clients. The object of analysis is the Polish asset or deal structure. The ordering party's legal form is not a condition of access.
Is a Polish tax number (PESEL or NIP) required to search the registers?
Searching some registers — notably the pledge register and KRZ — requires the debtor's PESEL or NIP, not the requester's. Establishing that identifier for a Polish counterparty is part of the work covered by the report.
What if the property has no KW number yet?
Unregistered properties exist in Poland, particularly in rural areas and in cases of inheritance. The report states that no KW entry was found and describes what alternative sources — notarial records, municipal registers — may be consulted. Those sources have different access conditions and are described in the report scope confirmation before work begins.
Can the report be used in foreign court or arbitration proceedings?
The report is a factual compilation from official registers. It does not constitute legal advice and contains no legal qualification of the facts established. Whether it is admissible in a given proceeding depends on the rules of that proceeding. That assessment is outside the scope of this report.
How long does preparation take?
Turnaround depends on the number of registers searched and whether any source requires a formal request with a declared legitimate interest. Standard scope — land register, KRZ, KRS — is typically completed within a short number of business days. The confirmation email states the expected delivery date before work begins.
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.