Restructuring a company facing insolvency is often the last realistic chance to save it from bankruptcy. A properly planned restructuring process – conducted in collaboration with an experienced restructuring advisor – allows not only to avoid bankruptcy but also to rebuild financial liquidity and maintain business continuity. In this article, you will learn: how company restructuring works, when it is worth initiating, and the role of a restructuring advisor.

Tax liabilities and arrears are among the most common problems faced by entrepreneurs and individuals. As Benjamin Franklin aptly observed, the only certainties in the world are death and taxes – and data from the Ministry of Finance shows that their burden can be severe. In 2023 alone, Poles' tax arrears exceeded PLN 115 billion, of which a staggering PLN 811 TP3T related to VAT. At the end of the first half of 2025, the total amount of tax arrears was approximately PLN 121.4 billion, with over PLN 76 TP3T of this...

Social Insurance Institution (ZUS) debt is one of the most serious problems facing entrepreneurs. Failure to pay contributions on time can lead to enforcement, account seizure, and even criminal liability. The good news is that in many cases, ZUS debt can be paid in installments and sometimes even partially written off. In this article, we explain: the penalties for ZUS arrears, and what steps are worth taking to regain financial control. A few words about the article - Listen Table of Contents 1. What is...

If you want to understand the planned consumer bankruptcy reform in 30 seconds, here are the key facts. The Ministry of Justice has published draft amendments to the Bankruptcy Law. The reform aims to simplify procedures and reduce the burden on courts. The draft includes, among other things, the automatic discharge of remaining liabilities after the completion of a repayment plan, limiting debtors' obligations, and changes to trustees' remuneration. A final assessment of the reform will only be possible after the law is passed,...

Find out what to do if you need to file for personal bankruptcy. Learn what documents to prepare, what the procedure entails, and what to watch out for to avoid mistakes. Discover a practical, step-by-step guide and benefit from professional support from PMR Restrukturyzacje SA experts. Regain your peace of mind and begin the process consciously. Personal bankruptcy is one of the most effective tools that allows individuals to get out of debt, regain control of their finances, and begin a new chapter in their lives.

In this article, we explain the current taxation status of family foundations following the announced changes to the Corporate Income Tax (CIT) and the presidential veto. You'll learn what solutions the draft amendment was intended to introduce, why the government planned to tighten regulations, what legislative risks apply to family foundations, and what this means for entrepreneurs planning their succession. The article also includes an expert assessment of the changes' impact on tax law stability and practical tips for further planning...

Learn how effective collaboration with a restructuring advisor increases a company's chances of overcoming a crisis, avoiding bankruptcy, and regaining stability. This article explains how to choose a professional advisor, why it's not worth waiting for a court decision, and what elements of collaboration determine restructuring success. Restructuring is a time when entrepreneurs often face difficult decisions, time pressure, and rising creditor expectations. In such a situation, collaboration...

This article explains whether a company on the verge of bankruptcy in 2025 has a realistic chance of saving its business, which restructuring tools are most effective, and how current economic data and forecasts for 2025-2026 affect the possibility of emerging from the crisis. Many entrepreneurs in Poland are entering 2025 with anxiety—rising operating costs, wage pressure, payment backlogs, and weaker demand have pushed thousands of companies to the brink of insolvency. However, the latest...

For several years now, personal bankruptcy has been gaining popularity among debtors seeking a real chance at a financial restart. Many wonder if it's possible to declare bankruptcy without assets and how long the entire process takes. It's worth taking a step-by-step look at it. TABLE OF CONTENTS: About the article - Listen About the article - Listen What is personal bankruptcy? Personal bankruptcy is a court proceeding for individuals...

Simplified restructuring is a tool that allows entrepreneurs to maintain control over their company, avoid bankruptcy, and rebuild financial stability. At PMR Restrukturyzacje SA, we have been supporting entrepreneurs in their restructuring processes for years, helping them navigate difficult decisions and emerge from the crisis with a stronger market position. A few words about the article - Listen to the benefits of entering the simplified restructuring process. Table of Contents: Maintaining control over your company and financial situation. Restructuring...