{"id":5813,"date":"2017-07-10T19:54:18","date_gmt":"2017-07-10T17:54:18","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/restrukturyzacja-firmy-bez-gotowki-sie-nie-uda\/"},"modified":"2025-01-31T18:10:52","modified_gmt":"2025-01-31T18:10:52","slug":"restructuring-a-company-without-cash-will-not-work","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/restructuring-a-company-without-cash-will-not-work\/","title":{"rendered":"Restructuring a company without cash will not work"},"content":{"rendered":"

More than a year has passed since the new restructuring law and the amended bankruptcy law came into force. It is already known that many restructuring and sanitation proceedings will fail. One of the main reasons for this is the lack of willingness to provide financial support to companies that have the ambition - and above all the chance - to recover.<\/p>\n

In Germany, an entrepreneur with a restructuring plan gets loans from banks on a par with those with financial problems. In our country, it is in vain to find similar examples.<\/p>\n

When informed of problems, many actors react with downright allergic reactions.<\/p>\n

\n\u2013 Economically irrational and unjustified aggressive debt collection actions by institutions financing entrepreneurs often occur restructuring<\/a>. There are many examples of even directly unlawful termination of contracts and debt collection - points out Ma\u0142gorzata Anisimowicz, president PMR Restructuring<\/a>.\n<\/div>\n

Alma Market, for example, had to deal with the termination of credit agreements by PKO BP. This meant the obligation to repay over PLN 60 million within seven days. A similar situation happened to the pharmaceutical wholesaler Intra, which, after the process had already begun, bank restructuring<\/a> significantly reduced the limits of factoring, which de facto meant the seizure of money in the bank account and caused additional difficulties in the company's financial liquidity. In addition, last year, the Action company was in dispute with the banks Societe Generale and HSBC, which, despite the ongoing restructuring process, did not implement the binding agreements.<\/p>\n

\nThe material appeared in the newspaper Puls Biznesu:
\n<\/b>
\n10 July 2017:
\n\" Repair without cash will not work<\/a>\n<\/div>","protected":false},"excerpt":{"rendered":"

Min\u0105\u0142 ponad rok od wej\u015bcia w \u017cycie nowego prawa restrukturyzacyjnego oraz znowelizowanego prawa upad\u0142o\u015bciowego. Wiadomo ju\u017c, \u017ce wiele post\u0119powa\u0144 restrukturyzacyjnych oraz sanacyjnych si\u0119 nie powiedzie. Jednym z g\u0142\u00f3wnych powod\u00f3w jest brak ch\u0119tnych do udzielenia finansowego wsparcia firmom, kt\u00f3re maj\u0105 ambicj\u0119 – a przede wszystkim szans\u0119 – na napraw\u0119. W Niemczech przedsi\u0119biorca maj\u0105cy opracowany plan restrukturyzacyjny dostaje od bank\u00f3w kredyty na r\u00f3wni z tymi, kt\u00f3rym problemy finansowe s\u0105 obce. U nas na pr\u00f3\u017cno szuka\u0107 podobnych przyk\u0142ad\u00f3w. Na informacj\u0119 o problemach wiele podmiot\u00f3w reaguje wr\u0119cz alergicznie. – Cz\u0119sto pojawiaj\u0105 si\u0119 nieracjonalne ekonomicznie i nieuzasadnione agresywne dzia\u0142ania windykacyjne ze strony instytucji finansuj\u0105cych przedsi\u0119biorc\u00f3w w restrukturyzacji. Jest mn\u00f3stwo przyk\u0142ad\u00f3w nawet wprost niezgodnego z prawem wypowiadania um\u00f3w i windykowania nale\u017cno\u015bci – zwraca uwag\u0119 Ma\u0142gorzata Anisimowicz, prezes PMR Restrukturyzacje. Z wypowiedzeniem um\u00f3w kredytowych przez PKO BP spotka\u0142 si\u0119 cho\u0107by Alma Market. Oznacza\u0142o to obowi\u0105zek sp\u0142aty ponad 60 mln z\u0142 w ci\u0105gu siedmiu dni. Podobna sytuacja przytrafi\u0142a si\u0119 hurtowni farmaceutycznej Intra, kt\u00f3rej ju\u017c po rozpocz\u0119ciu procesu restrukturyzacji bank znacznie ograniczy\u0142 limity w faktoringu, co de facto oznacza\u0142o zaj\u0119cie pieni\u0119dzy na rachunku bankowym i spowodowa\u0142o dodatkowe trudno\u015bci w p\u0142ynno\u015bci finansowej firmy. Ponadto sp\u00f3\u0142ka Action w ubieg\u0142ym roku prowadzi\u0142a sp\u00f3r z bankami Societe Generale i HSBC, kt\u00f3re pomimo trwaj\u0105cego procesu sanacyjnego nie realizowa\u0142y obowi\u0105zuj\u0105cych um\u00f3w. Materia\u0142 ukaza\u0142 si\u0119 w gazecie Puls Biznesu: dnia 10 lipca 2017: \u00bb Naprawa bez got\u00f3wki si\u0119 nie uda<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[],"ppma_author":[30],"class_list":["post-5813","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5813","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/comments?post=5813"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5813\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5813"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5813"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5813"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5813"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}