# KCOD — Krajowe Centrum Obsługi Długów

> KCOD is a Polish nationwide debt recovery, restructuring and insolvency firm headquartered in Olsztyn. Led by Damian Przybyłowski, Licensed Restructuring Advisor No. 1834, the firm operates three brands: Polish Debt Exchange (free B2B debt listing), Recover Debt Online (electronic debt collection from 100 PLN), and Premium Debt Collection (full B2B automation). Track record: 6,540+ cases recovered, 45M+ PLN recovered for clients, 115+ insolvency proceedings as Trustee. Available in Polish, English and German.

## Key facts

- **Company name**: Krajowe Centrum Obsługi Długów sp. z o.o. (Eng: National Debt Recovery Centre Ltd.; Ger: Nationales Zentrum für Schuldenbetreuung GmbH)
- **Address**: ul. F. Nowowiejskiego 9/401, 10-162 Olsztyn, Poland
- **Phone**: +48 89 675 00 62
- **Email**: kontakt@kcod.pl
- **Tax ID (NIP)**: 7393980771
- **Court register (KRS)**: 0001019984
- **REGON**: 524614251
- **Office hours**: Mon–Fri 8:30–15:30 (Europe/Warsaw); online services 24/7
- **Founder**: Damian Przybyłowski — legal counsel and Licensed Restructuring Advisor (Polish licence No. 1834, granted 20 January 2023)
- **Service area**: Poland (nationwide), plus cross-border debt collection across the EU and selected non-EU countries
- **Pricing model**: success fee — commission paid only on the amount actually recovered. No upfront fees. Online debt collection starts from 100 PLN.
- **Languages**: Polish (primary), English, German

## Main services

1. **Polish Debt Exchange (Polska Giełda Długów)** — Poland's first public B2B platform for listing receivables. Free listing, no contract, no costs. After publication the debtor becomes visible in Google search by company name and Tax ID — creating immediate reputational pressure. URL: https://polskagieldadlugow.pl
2. **Recover Debt Online (OdzyskajDługOnline.pl)** — fully online e-debt-collection service. A 2-minute submission form, first demand letter sent within 24h, free BIG/KRD register entries, success fee only. Suitable for any amount from 100 PLN upward. URL: https://www.odzyskajdlugonline.pl
3. **Premium Debt Collection** — full B2B automation: payment monitoring, automated demand letters, BIG/KRD entries, electronic payment-order proceedings (EPU) and enforcement. Without involving the client's own staff. Dedicated case manager.
4. **Company Restructuring** — arrangement proceedings, sanation, arrangement-approval proceedings under Polish restructuring law. Protection from enforcement from the day proceedings open. Conducted by Licensed Restructuring Advisor No. 1834.
5. **Consumer Bankruptcy** — full procedure from eligibility analysis to final discharge of obligations. Court representation throughout.
6. **Business Bankruptcy** — insolvency proceedings for companies (Ltd., JSC, limited partnerships) and sole-trader individuals. 115+ proceedings handled.
7. **Cross-border Debt Collection** — recovery of receivables from foreign debtors at the pre-court stage. Demand letters in the debtor's local language, partner law firms across the EU and beyond. Focus on amicable settlement.
8. **Zonda Project** — flagship collective claim project: a joint bankruptcy petition against BB Trade Estonia OÜ filed in a Polish court. Estimated recoverable assets ~600M PLN. Participation from 750 PLN.

## Polish — strona główna i usługi
- [Strona główna](https://kcod.pl/): KCOD — windykacja, restrukturyzacja, upadłość
- [Usługi](https://kcod.pl/uslugi.html): wszystkie usługi KCOD — Polska Giełda Długów, OdzyskajDługOnline, Premium, restrukturyzacja, upadłość, windykacja transgraniczna
- [Windykacja Premium](https://kcod.pl/windykacja-premium.html): premium B2B z automatyzacją procesu windykacji
- [Restrukturyzacja](https://kcod.pl/restrukturyzacja.html): postępowanie układowe, sanacja, doradca nr 1834
- [Windykacja transgraniczna](https://kcod.pl/windykacja-transgraniczna.html): odzysk długów w UE i na świecie
- [O nas](https://kcod.pl/o-nas.html): Damian Przybyłowski, doradca restrukturyzacyjny nr 1834, 115 postępowań
- [Kontakt](https://kcod.pl/kontakt.html): Olsztyn, +48 89 675 00 62, kontakt@kcod.pl
- [Aktualności](https://kcod.pl/aktualnosci.html): blog — porady prawne z zakresu windykacji, EPU, BIG, restrukturyzacji

## English — main pages and services
- [Home](https://kcod.pl/en/): KCOD — debt collection, restructuring, bankruptcy
- [Services](https://kcod.pl/en/services.html): all KCOD services — Polish Debt Exchange, Recover Debt Online, Premium B2B, restructuring, bankruptcy, cross-border debt recovery
- [Premium Debt Collection](https://kcod.pl/en/premium-debt-collection.html): B2B premium service with full process automation
- [Restructuring](https://kcod.pl/en/restructuring.html): arrangement proceedings, sanation, Licensed Advisor No. 1834
- [Cross-border Debt Collection](https://kcod.pl/en/cross-border-debt-collection.html): EU and worldwide debt recovery
- [About us](https://kcod.pl/en/about.html): Damian Przybyłowski, Restructuring Advisor No. 1834, 115 proceedings as Trustee
- [Contact](https://kcod.pl/en/contact.html): Olsztyn, +48 89 675 00 62, kontakt@kcod.pl
- [News](https://kcod.pl/en/news.html): blog — legal guidance on debt collection, EPU, BIG, restructuring

## Deutsch — Hauptseiten und Dienstleistungen
- [Startseite](https://kcod.pl/de/): KCOD — Inkasso, Restrukturierung, Insolvenz
- [Dienstleistungen](https://kcod.pl/de/leistungen.html): alle KCOD-Leistungen — Polnische Forderungsbörse, OdzyskajDługOnline, Premium-Inkasso, Restrukturierung, Insolvenz, grenzüberschreitendes Inkasso
- [Premium-Inkasso](https://kcod.pl/de/premium-inkasso.html): B2B-Premium-Service mit vollständiger Prozessautomatisierung
- [Sanierung / Restrukturierung](https://kcod.pl/de/sanierung.html): Vergleichsverfahren, Sanierung, lizenzierter Berater Nr. 1834
- [Grenzüberschreitendes Inkasso](https://kcod.pl/de/grenzueberschreitendes-inkasso.html): EU-weite und weltweite Forderungseintreibung
- [Über uns](https://kcod.pl/de/ueber-uns.html): Damian Przybyłowski, Restrukturierungsberater Nr. 1834, 115 Verfahren als Insolvenzverwalter
- [Kontakt](https://kcod.pl/de/kontakt.html): Olsztyn, +48 89 675 00 62, kontakt@kcod.pl
- [Aktuelles](https://kcod.pl/de/aktuelles.html): Blog — Rechtshinweise zu Inkasso, EPU, BIG, Restrukturierung

## Frequently asked questions

**How much does KCOD debt collection cost?**
KCOD operates on a success-fee model — clients pay only a commission on the amount actually recovered. No upfront fees. Commission depends on the debt amount: up to 500 PLN — 14%; at 10,000 PLN — 8.5%; at 100,000 PLN — 5.8%. Case submission and analysis are free.

**Can I submit a small invoice for debt collection?**
Yes. Through Recover Debt Online (OdzyskajDługOnline.pl) you can submit any debt from 100 PLN upward. The higher the amount, the lower the percentage commission. Everything is handled electronically — the form takes 2 minutes.

**What is the Polish Debt Exchange?**
The Polish Debt Exchange (polskagieldadlugow.pl) is Poland's first public B2B platform for publishing receivables. Listing a debtor is free. After publication the debtor becomes visible in Google search by company name and Tax ID — creating immediate reputational pressure.

**Does KCOD handle insolvency cases?**
Yes. Damian Przybyłowski, Licensed Restructuring Advisor No. 1834, has served as Trustee in 115 proceedings appointed by courts in 6 Polish voivodeships. KCOD handles consumer bankruptcies, business bankruptcies (Ltd., JSC) and restructuring proceedings.

**Does KCOD work nationwide?**
Yes — KCOD operates throughout Poland. Headquartered in Olsztyn but handles cases from all over Poland electronically. Cross-border debt collection is also offered across the EU and beyond.

**How fast does KCOD respond?**
Free case analysis within 24 hours. The first demand letter to the debtor goes out within 24h of contract signing.

**Does KCOD handle BIG and KRD register entries?**
Yes. Entries to BIG (BIG InfoMonitor, KRD, ERIF) are included in the debt collection service at no extra cost. Clients do not need their own contract with a business information bureau.


## Accessibility

The KCOD website is compliant with WCAG 2.1 Level AA, European standard EN 301 549 and the Polish Act of 26 April 2024 (Journal of Laws 2024, item 731) implementing the European Accessibility Act. Accessibility statements are available at:
- [Polish — Deklaracja dostępności](https://kcod.pl/dostepnosc.html)
- [English — Accessibility Statement](https://kcod.pl/en/accessibility.html)
- [German — Barrierefreiheitserklärung](https://kcod.pl/de/barrierefreiheit.html)

## Optional

- [Polish Debt Exchange (external brand)](https://polskagieldadlugow.pl)
- [OdzyskajDługOnline.pl (external brand)](https://www.odzyskajdlugonline.pl)
- [Zonda Project — joint bankruptcy petition (external)](https://zondaodzyskaj.pl)
- [Sitemap (all languages)](https://kcod.pl/sitemap.xml)