Independent Debt Audit
Where does the debt loop in a small business come from?
In 2023, we analyzed the finances of 38 companies from around Warsaw and the Masovian Voivodeship. Most of them got into trouble not because of a lack of orders, but due to a sudden accumulation of loan and lease installments in a single month. At Wisła Restructuring House, we know that talking to the bank is our daily reality, so we start with hard facts. We don't judge your past decisions – we only check how much you realistically owe and what can be done about it within the next 14 days.
What exactly do we check during the audit?
Our team, consisting of 4 financial analysts, examines every loan document from the last 16 months. We look for hidden costs, incorrectly charged commissions, and opportunities to suspend payments. The rules are clear: audit, plan, action. For example, in March 2024, we helped a local construction wholesaler discover that 19% of their monthly burdens were unnecessary insurance on working capital loans that could be canceled immediately.
- Verification of statements from the last 11 months of activity.
- Analysis of agreements with 3 main banks and 2 leasing companies.
- Checking the current status of arrears in Social Security (ZUS) and the Tax Office.
- Calculation of the realistic financial liquidity ratio after deducting fixed costs.
We will take this burden off your shoulders
We save what you have been building for years by providing you with a specific list of priorities. You will find out which creditor is the most dangerous and who can wait another 3 weeks for their payment. You will receive the audit report in the form of a 6-page PDF document within 4 business days of providing us with full documentation. To be honest, we are not the cheapest on the market, but our analyses allowed clients in the last quarter to recover an average of 4,200 PLN per month from erroneous bank fees alone.
What does our cooperation look like in practice?
We don't expect perfect order in your binders. We know that when debts become too heavy, the last thing you think about is arranging invoices chronologically. You simply provide us with access to statements and scans of agreements, and we handle the rest. Sometimes onboarding takes us about 3 days, but after that time, you have a full picture of the situation. Remember that ignoring a payment demand is the worst strategy – banks act schematically, and we know those patterns by heart.
P.S. If your account has already been blocked by a bailiff, let us know in the first message – we treat such cases as a priority and try to respond within 3 business hours.