Debt and Liability Restructuring
We help when loan installments start to stifle the company or when counterparties stop paying. We negotiate with banks, leasors, and offices. We prepare realistic repayment plans that allow the company to continue operating without fear of account seizure. (Sometimes banks give in if they see hard economic arguments).
When Installments Block Company Growth
Most liquidity problems do not start with a lack of orders, but with too high debt servicing costs. At Vistula Risk Solutions, we see this regularly – the company earns money, but all the money immediately disappears for loan and lease installments. In March 2024, we worked with a transport company near Warsaw that had 12 active lease agreements for tractor units. After our intervention and renegotiation of terms, the monthly sum of installments fell by 4,200 PLN. This allowed them to pay salaries on time without taking another expensive working capital loan.
Negotiations with Banks and Leasors
Banks are not charitable institutions, but they count money very accurately. If we demonstrate that the current repayment schedule will lead to bankruptcy, the bank often agrees to change the terms, because recovering 74% of the amount over time is better for them than a bailiff auction. We prepare hard economic data, not pleas for mercy. Since 2018, we have conducted 84 such proceedings. Usually, it is possible to obtain a credit holiday for 4-6 months or extend the repayment time by another 2 years, which realistically lowers the monthly burden on the company account.
Relations with the Tax Office and ZUS
Arrears towards the state are the worst kind of debt because offices act mechanically and quickly block bank accounts. However, the tax ordinance allows for spreading arrears into installments or deferring the payment date. We submit applications backed by a specific financial analysis and repair plan. We don't write flowery petitions, but operate with figures. Last quarter, we helped 19 entrepreneurs establish realistic payment plans for overdue VAT, which saved them from immediate bailiff execution.
We Save Liquidity, Not Paper
Our work does not end with preparing documents. We are with the client during difficult meetings at the bank or with creditors. We know how to talk when emotions take over and threats of contract termination appear. Our team consists of 4 specialists who know bank procedures from the inside. This allows us to predict the other side's moves. We don't promise that debts will disappear on their own, but we show a specific way how to pay them off and not close the workshop or factory in the process.
Heads-up: Not every case is suitable for restructuring. If our analysis shows that the company's business model is permanently unprofitable, we will say it directly at the first meeting. We respect our clients' time and money, so we act fast because time is capital. Facts, not forecasts – that is our principle for every debt audit.