Polish court records and the official gazette (Monitor Sądowy i Gospodarczy, MSiG) are the primary public trail of enforcement actions, restructuring notices, and compulsory liquidations affecting a Polish asset or its owner. For collateral purposes, the absence or presence of those notices determines whether a lien is contested, whether a debtor is already under court supervision, and whether prior encumbrances survive a proposed transaction.
Two registries carry this material. MSiG holds the historical gazette archive from 1996. The Krajowy Rejestr Zadłużonych (KRZ) replaced MSiG as the mandatory publication venue for insolvency and restructuring proceedings opened after 1 December 2021. A complete collateral-grade check requires both.
- What MSiG shows
- Gazette announcements: compulsory liquidation notices, enforcement orders, creditor calls, restructuring publications. Archive from 1996. Source: wyszukiwarka-msig.ms.gov.pl · verified 2026-06-26
- What KRZ shows
- Insolvency and restructuring proceedings opened after 1 December 2021: parties, case signatures, stage, appointed administrators. Source: krz.ms.gov.pl · verified 2026-06-26
- Cost of search
- Both registries are public and free of charge. No login required for either.
- Critical gap
- KRZ contains only proceedings opened after 1 December 2021. MSiG contains proceedings published before that date. Neither registry cross-references the other automatically.
Both registries are free of charge. The fee for this report covers the removed path: correct search identifiers (KRS, NIP, PESEL), cross-registry reconciliation, language, and a structured output that a foreign lender or buyer can attach to a credit or acquisition file.
What the registries contain and how searches are structured
MSiG search criteria include entity name, KRS number, NIP, case signature, announcement type, and date range. Results are delivered as PDF issues of the gazette. There are no structured machine-readable data exports. Each announcement must be located and read individually.
KRZ search criteria include NIP, PESEL, KRS number, and case signature. The registry is public and requires no login. It shows the current stage of each proceeding, the appointed court administrator or trustee, and the list of creditors where that list has been filed.
| Parameter | MSiG | KRZ |
|---|---|---|
| Coverage period | 1996 – 30 November 2021 | 1 December 2021 – present |
| Proceeding types | Liquidation, enforcement, restructuring, creditor calls, court orders | Insolvency, restructuring, consumer bankruptcy, secondary proceedings |
| Search identifiers | Name, KRS, NIP, signature, text fragment, announcement type, date | NIP, PESEL, KRS, case signature |
| Output format | PDF gazette issues | Structured web interface, no bulk export |
| Cost | Free, no login | Free, no login |
| Machine-readable data | No | Partial (web display only) |
Pledge and charge registers: the parallel layer
Court and gazette records do not capture registered pledges. Poland operates two separate pledge registries, and a collateral-grade review of a Polish asset requires both.
The Rejestr Zastawów (Ministry of Justice, Centralna Informacja) covers registered pledges over movable assets and rights. A certificate per pledgor (DW-1) costs 20 PLN. A certificate per pledged asset (DW-2) costs 20 PLN. A certified extract (DW-4) costs 15 PLN per item. Source: Centralna Informacja Rejestr Zastawów · verified 2026-06-26.
The Rejestr Zastawów Skarbowych (Ministry of Finance) covers tax liens. Search by asset is free via e-Urząd Skarbowy. A certified statement costs 50 PLN. Source: e-Urząd Skarbowy, Ministerstwo Finansów · verified 2026-06-26.
| Registry | Authority | Search cost | Certificate cost | Covers |
|---|---|---|---|---|
| Rejestr Zastawów | Ministry of Justice | Paid per query | DW-1/DW-2: 20 PLN each; DW-4: 15 PLN | Registered pledges over movables and rights |
| Rejestr Zastawów Skarbowych | Ministry of Finance | Free (e-Urząd Skarbowy) | 50 PLN per statement | Tax liens securing tax and customs debts |
KRS and financial statements: the corporate layer
The Krajowy Rejestr Sądowy (KRS) provides the entity's registration history, current management, share structure, and filed court documents. Access is free. A certified extract costs approximately 30–60 PLN. Source: KRS, Ministerstwo Sprawiedliwości · verified 2026-06-26.
Filed financial statements are available without charge through the Repozytorium Dokumentów Finansowych. They are not audited by the repository. The report cross-references filed statements against KRS-recorded capital and flags discrepancies where present. Source: Repozytorium Dokumentów Finansowych · verified 2026-06-26.
VAT status and bank account verification
The Biała Lista (White List) published by the Head of the National Tax Administration shows current and historical VAT status, declared bank accounts, and the reasons for any deregistration or reinstatement with dates. A search on any past date is available. Source: podatki.gov.pl · verified 2026-06-26.
For collateral purposes, the bank accounts declared on the White List are material: a payment made to an account not on that list creates joint and several VAT liability for the payer. Confirming that a counterparty's account matches the White List record is a standard pre-closing step.
The limit of what the sources allow
MSiG covers announcements published before 1 December 2021. KRZ covers proceedings opened after that date. A proceeding opened before 1 December 2021 that is still active will appear in MSiG but not in KRZ. Neither registry provides a cross-reference. A gap between the two databases is structurally present and cannot be closed by searching one registry alone.
A negative result in KRZ does not confirm the absence of an active proceeding opened before December 2021. That gap requires a MSiG search against the same entity identifiers. The report covers both.
The Rejestr Zastawów and Rejestr Zastawów Skarbowych are separate systems with no shared interface. A pledge registered in one does not appear in the other. A full encumbrance picture requires certified outputs from both. The Land Register (EKW) records mortgage charges over real property and is not covered by this report; it is covered under the land and title register track.
The CRBR (beneficial ownership register) is public and free. It shows declared beneficial owners. It does not verify the accuracy of those declarations. The report records what is declared; it does not confirm the underlying ownership structure.
What is included at each tier
| Tier | Price | Included | Not included |
|---|---|---|---|
| Signal | €290 | KRZ search (post-December 2021 proceedings); MSiG search (pre-December 2021 archive); KRS current extract; VAT/White List status check; structured summary in English | Pledge register certificates (Rejestr Zastawów / Skarbowych); financial statement review; CRBR beneficial ownership extract; land register check; gap analysis between registries |
| Standard | €470 | All Signal items; Rejestr Zastawów certificate (DW-1 per pledgor, DW-2 per asset); Rejestr Zastawów Skarbowych statement; CRBR beneficial ownership extract; financial statement cross-reference against KRS capital; White List bank account confirmation; discrepancy flags | Land register (EKW) check; historical ownership chain; on-site asset inspection; legal qualification of findings |
| Extended | €960 | All Standard items; full MSiG archive review with manual gazette extraction; historical KRS filings review; financial statement trend analysis (three filing periods where available); CRBR cross-check against KRS management records; written gap analysis with registry-by-registry findings; English-language report suitable for lender or acquisition file | Legal advice; court representation; land register (EKW) chain of title; valuation; physical asset inspection |
Frequently asked questions
Does a clean KRZ result mean the entity has no insolvency history?
No. KRZ contains only proceedings opened after 1 December 2021. A proceeding opened before that date — and still active — appears in MSiG, not KRZ. A complete check requires both registries searched against the same identifiers.
Are pledge registrations visible in the court records?
No. MSiG and KRZ publish court announcements and insolvency notices. Registered pledges are recorded in the Rejestr Zastawów and Rejestr Zastawów Skarbowych, which are separate systems. None of the three registries cross-references the others.
What identifiers are needed to run the searches?
KRS number, NIP, and the entity's full registered name are the primary identifiers. For individuals, PESEL is required for KRZ. The report request form collects these at intake.
How long does delivery take?
Signal: two business days. Standard: three to four business days. Extended: five to seven business days. Pledge register certificates from Centralna Informacja add one to two business days to Standard and Extended timelines.
Is the beneficial ownership register (CRBR) included?
CRBR is included from Standard tier upward. The register is public and free. The report records declared beneficial owners and flags any discrepancy between CRBR declarations and KRS management records. It does not verify the underlying ownership structure.
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.