Get to know the PragmaGO Group
We specialize in financial services aimed at micro, small and medium-sized companies. We create our solutions from the ground up – we are both a source of financing and a developer of the technology necessary to distribute them through diverse channels.
Get to know the PragmaGO Group
We specialize in financial services aimed at micro, small and medium-sized companies. We create our solutions from the ground up – we are both a source of financing and a developer of the technology necessary to distribute them through diverse channels.
OUR MISSION
We support entrepreneurs in their daily activities and together with them we are changing the Polish economy. In response to the needs of SME companies, we create solutions that allow them to gain permanent and stable access to financing. This gives the entrepreneur financial security, allows them to grow and achieve further business goals. We constantly invest in technology so that the process of obtaining financing requires minimal involvement from the client. We are at the “fingertips” – at the place and time when the client needs us.
Our role in the financial system
SMEs are a segment that has limited access to bank financing. We are reaching out to it:
We are developing financial technology
We responsibly manage credit risk:
PragmaGO Group structure
In 2021, Polish Enterprise Funds SCA became the majority shareholder of PragmaGO SA (as the Parent Company of the Parent Company).
The PragmaGO Capital Group includes:
Probably like a bank, only convenient and fast
PragmaGO SA – Parent company and financial institution with over 27 years of experience, providing a source of financing for clients. PragmaGO SA obtains financing through, among others, bond issues on the Catalyst market, or cooperation with the European Bank for Reconstruction and Development. The company maintains the highest equity in the non-bank sector with low debt ratios. This guarantees the implementation of even large and long-term projects.
The recipients of PragmaGO brand communications are entrepreneurs. Distribution of services under the PragmaGO brand is carried out online (pragmago.pl) and through broker networks. These include, for example, Expander, Notus Finance, and Platinum Financial.
Products under the PragmaGO brand:
PragmaGO clients have access to the Client Zone, an online platform where they can manage their financial products from anywhere at any time.
You do the business, we`ll do the finance.
PragmaGO.tech – Subsidiary of PragmaGO SA, a technology provider. PragmaGO.tech’s team includes more than 40 developers and UX/UI specialists and experienced managers. The company develops proprietary technology solutions and processes – both in the areas of analytics, financing risk and scoring, online customer environment and integration with partner ecosystems. These include, for example, marketplace platforms, payment card operators and SaaS store software providers.
It is a brand for innovative embedded finance B2B products aimed at partners and potential partners who want to integrate financial services and offer them to business customers. By doing so, PragmaGO.tech partners increase profits, competitiveness and build loyalty of their customers. PragmaGO.tech and its partner create a synergistic effect – reaching hundreds of thousands of entrepreneurs in a single moment, who get access to financing for their business.
PragmaGO.tech partners have access to the Partner Zone – an online panel where they can check billing, contract statuses, and download marketing materials.
Gross Ltd. – Subsidiary of PragmaGO SA, offering online financing in the form of targeted loans, tax and Social Security financing and factoring.
Monevia sp.z o.o. Subsidiary of PragmaGO SA . Leader in the market of financing single sales invoices(invoice discounting). This is invoice financing without a fixed contract and the obligations arising from it, 100% online. Monevia has developed User Experience solutions, thanks to which it is possible to finance receivables of low denominations (as low as PLN 700 or EUR 200), with an initial limit of PLN 50,000. Monevia’s solutions are appreciated especially by companies operating in the TSL segment, where the time of access to funds is crucial for the execution of subsequent orders.
Omnicredit specializes in digital factoring. The company has been growing rapidly for several years, increasing both its client base and turnover. It is efficiently managed and profitable – last year it achieved a net profit of 354 thousand euros, with a turnover of 40 million euros (+40% y/y). At the end of 2023, the receivables portfolio amounted to €6.4 million (+54% y/y). In the first half of this year, Omnicredit has already reached €28.5 million in turnover, achieving growth of as much as 90% y/y. Its receivables portfolio grew to €8.2 million. Omnicredit is licensed as a non-bank financial institution (IFN) and is regulated by the National Bank of Romania. With an expert model for estimating the cost of risk, the company maintains high standards in credit risk management and financial reporting.
Composition of management bodies
PragmaGO SA (Parent Company)
Management
Tomasz Boduszek
President, Chief Executive Officer
Since 2011, he is President of the Board of Directors of PragmaGO SA. He built the PragmaGO Group from scratch. He transformed a debt collection start-up with an initial capital of PLN 50,000 into a fast-growing fintech company. Tomasz Boduszek has experience in successful business development through M&A. He has participated in eight such transactions (five times as CEO of the buying side and three times as CEO of the selling side, and the value of the transactions amounted to several hundred million PLN). Since 2022 he has been managing various companies of the PragmaGO Group, listing them on New Connect, the main market of the Warsaw Stock Exchange and the Catalyst bond market.
Since 2011, he is President of the Board of Directors of PragmaGO SA. He built the PragmaGO Group from scratch. He transformed a debt collection start-up with an initial capital of PLN 50,000 into a fast-growing fintech company. Tomasz Boduszek has experience in successful business development through M&A. He has participated in eight such transactions (five times as CEO of the buying side and three times as CEO of the selling side, and the value of the transactions amounted to several hundred million PLN). Since 2022 he has been managing various companies of the PragmaGO Group, listing them on New Connect, the main market of the Warsaw Stock Exchange and the Catalyst bond market.
Jacek Obrocki
Vice President, Chief Financial Officer
Economist with more than 20 years of experience, including as Director of the Investment Banking Department at BDM Brokerage House. He specializes in investment banking and financial and stock market analysis. He is a Chartered Financial Analyst (CFA) and has completed numerous trainings in JBO, MBO, M&A, accounting (PSR, IAS, US GAAP), public securities law, commercial law. PragmaGO expert in the field of financial market analysis and macroeconomics, speaker for Puls Biznesu and specialized portals such as obligacje.pl, inwestycje.pl, etc.
Economist with more than 20 years of experience, including as Director of the Investment Banking Department at BDM Brokerage House. He specializes in investment banking and financial and stock market analysis. He is a Chartered Financial Analyst (CFA) and has completed numerous trainings in JBO, MBO, M&A, accounting (PSR, IAS, US GAAP), public securities law, commercial law. PragmaGO expert in the field of financial market analysis and macroeconomics, speaker for Puls Biznesu and specialized portals such as obligacje.pl, inwestycje.pl, etc.
Danuta Czapeczko
Vice President, Chief Growth Officer
She has more than 16 years of experience in marketing and sales management. She has been working for PragmaGO since 2011. She specializes in embedded financial services for businesses, introducing new solutions for Polish entrepreneurs. She coordinates the work of a team of managers responsible for cooperation with partners such as Allegro, imoje, Polskie ePłatności and InFakt. Speaker at industry panel discussions, including “Fintech and E-commerce Linking Days”, “Risk and Supervision Meeting”, “E-commerce. Opportunities, Trends, Challenges”.
She has more than 16 years of experience in marketing and sales management. She has been working for PragmaGO since 2011. She specializes in embedded financial services for businesses, introducing new solutions for Polish entrepreneurs. She coordinates the work of a team of managers responsible for cooperation with partners such as Allegro, imoje, Polskie ePłatności and InFakt. Speaker at industry panel discussions, including “Fintech and E-commerce Linking Days”, “Risk and Supervision Meeting”, “E-commerce. Opportunities, Trends, Challenges”.
Łukasz Ramczewski
Vice President, Chief Sales Officer
Manager with more than 12 years of experience in financial markets, factoring and SME financing. He has been professionally associated with PragmaGO since 2010, where he has been the Sales Director since 2018, leading a team of more than a dozen people. He actively participates in the development of financial products and solutions based on the changing needs of Polish entrepreneurs. He conducts trainings on factoring for financial intermediaries.
Manager with more than 12 years of experience in financial markets, factoring and SME financing. He has been professionally associated with PragmaGO since 2010, where he has been the Sales Director since 2018, leading a team of more than a dozen people. He actively participates in the development of financial products and solutions based on the changing needs of Polish entrepreneurs. He conducts trainings on factoring for financial intermediaries.
Supervisory Board
Dariusz Prończuk
Chairman of the Supervisory Board
A graduate of the Foreign Trade Faculty at the Warsaw School of Economics. He is a Managing Partner of Enterprise Investors sp. z o.o. and a member of its Management Board. He is also a member of the Supervisory Boards of companies in the Enterprise Investors portfolio, currently also of Vehis Sp. z o.o. and Unilink S.A. He has 35 years of experience in private equity and corporate finance in the Central European region. Since 1993, he has led Enterprise Investors in more than 20 investments, mainly in the financial services, IT, construction and FMCG sectors, including investments in Lukas, Comp Rzeszów (now Asseco Poland), COMP, Magellan, Kruk, Netrisk and AVG.
A graduate of the Foreign Trade Faculty at the Warsaw School of Economics. He is a Managing Partner of Enterprise Investors sp. z o.o. and a member of its Management Board. He is also a member of the Supervisory Boards of companies in the Enterprise Investors portfolio, currently also of Vehis Sp. z o.o. and Unilink S.A. He has 35 years of experience in private equity and corporate finance in the Central European region. Since 1993, he has led Enterprise Investors in more than 20 investments, mainly in the financial services, IT, construction and FMCG sectors, including investments in Lukas, Comp Rzeszów (now Asseco Poland), COMP, Magellan, Kruk, Netrisk and AVG.
Bartosz Chytła
Member of the Supervisory Board
A graduate of the Faculty of Management and Marketing at the AGH University of Science and Technology in Krakow. He holds an MBA from the École nationale des ponts et chaussées in Paris and the University of Bristol. He started his professional career in 1996 at First Polish-American Bank S.A. In 2004 he became Vice President of the Management Board of Fortis Bank S.A. In 2008 – 2012 he was a member and then President of the Management Board of Bank DnB NORD Polska S.A. In 2012 – 2013 he held the position of President of the Management Board of Bank DnB NORD Polska S.A. From 2012 to 2013 he served as Vice President of the Management Board of Getin Holding SA. From 2013 to 2015 he was President of the Management Board of Meritum Bank ICB S.A. From 2015 to 2019 he was First Vice President of the Management Board of Nest Bank S.A.
A graduate of the Faculty of Management and Marketing at the AGH University of Science and Technology in Krakow. He holds an MBA from the École nationale des ponts et chaussées in Paris and the University of Bristol. He started his professional career in 1996 at First Polish-American Bank S.A. In 2004 he became Vice President of the Management Board of Fortis Bank S.A. In 2008 – 2012 he was a member and then President of the Management Board of Bank DnB NORD Polska S.A. In 2012 – 2013 he held the position of President of the Management Board of Bank DnB NORD Polska S.A. From 2012 to 2013 he served as Vice President of the Management Board of Getin Holding SA. From 2013 to 2015 he was President of the Management Board of Meritum Bank ICB S.A. From 2015 to 2019 he was First Vice President of the Management Board of Nest Bank S.A.
Grzegorz Grabowicz
Member of the Supervisory Board
Graduated from the Faculty of Management and Marketing at the University of Lodz in 1998, specializing in accounting. In 2010 he completed a program organized by Nottingham Trent University and WSB at the University of Poznan, obtaining an EMBA (Executive Master of Business Administration) degree. He is also a chartered accountant. Since January 2019 he has been a member of the Management Board and Chief Financial Officer of Mabion S.A.. He gained his knowledge and experience in management by successively working: in the audit department of Deloitte from 1998 to 2003, in 2003 as Financial Controller in BFF Polska S.A. (formerly Magellan S.A.), from 2004 to 2017 as Chief Financial Officer of BFF Polska S.A. and Vice President of the Management Board of BFF Polska S.A. From 2010 to 2013 he was President of the Management Board of MEDFinance S.A. From 2007 to 2017 he was a member of the Supervisory Board of Magellan Czech Republic and Magellan Slovakia. In 2013-2017 he was the Chairman of the Supervisory Board of MEDFinance S.A. Since November 2018 he is a member of the Supervisory Board of XTB Dom Maklerski S.A., from 2014 to October 2018 he was a member of the Supervisory Board of Skarbiec Holding S.A.. From October 2017 to August 2020 he was a member of the Supervisory Board of Develia S.A. (formerly LC Corp S.A.) and from June 2018 to May 2019 he was a member of the Supervisory Board of Medicalgorithmics S.A.
Graduated from the Faculty of Management and Marketing at the University of Lodz in 1998, specializing in accounting. In 2010 he completed a program organized by Nottingham Trent University and WSB at the University of Poznan, obtaining an EMBA (Executive Master of Business Administration) degree. He is also a chartered accountant. Since January 2019 he has been a member of the Management Board and Chief Financial Officer of Mabion S.A.. He gained his knowledge and experience in management by successively working: in the audit department of Deloitte from 1998 to 2003, in 2003 as Financial Controller in BFF Polska S.A. (formerly Magellan S.A.), from 2004 to 2017 as Chief Financial Officer of BFF Polska S.A. and Vice President of the Management Board of BFF Polska S.A. From 2010 to 2013 he was President of the Management Board of MEDFinance S.A. From 2007 to 2017 he was a member of the Supervisory Board of Magellan Czech Republic and Magellan Slovakia. In 2013-2017 he was the Chairman of the Supervisory Board of MEDFinance S.A. Since November 2018 he is a member of the Supervisory Board of XTB Dom Maklerski S.A., from 2014 to October 2018 he was a member of the Supervisory Board of Skarbiec Holding S.A.. From October 2017 to August 2020 he was a member of the Supervisory Board of Develia S.A. (formerly LC Corp S.A.) and from June 2018 to May 2019 he was a member of the Supervisory Board of Medicalgorithmics S.A.
Agnieszka Kamola
Member of the Supervisory Board
She graduated from the L. Kozminski Academy of Entrepreneurship and Management in Warsaw with a degree in Finance and Banking. She has more than 21 years of sales experience, including more than 20 years in the field of electronic payments in e-commerce. She has been responsible for managing direct and indirect sales and has held management positions in companies such as eCard, eService, PayU and Straal. Since 2021 she has been managing the company BISCOM as the successor of Sebastian Bryzek.
She graduated from the L. Kozminski Academy of Entrepreneurship and Management in Warsaw with a degree in Finance and Banking. She has more than 21 years of sales experience, including more than 20 years in the field of electronic payments in e-commerce. She has been responsible for managing direct and indirect sales and has held management positions in companies such as eCard, eService, PayU and Straal. Since 2021 she has been managing the company BISCOM as the successor of Sebastian Bryzek.
Michał Kolmasiak
Member of the Supervisory Board
Graduated from the Faculty of Law and Administration at the University of Wroclaw (2001). Began his professional career in 2001 as a debt collection specialist in Dom Obrotu Wierzytelności Cash Flow S.A. and Sofor Inkaso s.c.. From April 2002 he was a member of the Management Board of Pragma Inkaso sp. z o.o., then of Pragma Inkaso S.A. From January 2008 to January 2015 he was Vice President of the Management Board of Pragma Inkaso S.A., and from February 2021 he was President of the Management Board of this company. From 2008 to 2017 he was a member of the Management Board of Pragma Collect sp. z o.o. (now Pragma Faktor sp. z o.o.). Since 2006 he has been the President of the Management Board of Guardian Investment sp. z o.o.. Since February 2011 he has been the Chairman of the Supervisory Board of PragmaGO S.A.
Graduated from the Faculty of Law and Administration at the University of Wroclaw (2001). Began his professional career in 2001 as a debt collection specialist in Dom Obrotu Wierzytelności Cash Flow S.A. and Sofor Inkaso s.c.. From April 2002 he was a member of the Management Board of Pragma Inkaso sp. z o.o., then of Pragma Inkaso S.A. From January 2008 to January 2015 he was Vice President of the Management Board of Pragma Inkaso S.A., and from February 2021 he was President of the Management Board of this company. From 2008 to 2017 he was a member of the Management Board of Pragma Collect sp. z o.o. (now Pragma Faktor sp. z o.o.). Since 2006 he has been the President of the Management Board of Guardian Investment sp. z o.o.. Since February 2011 he has been the Chairman of the Supervisory Board of PragmaGO S.A.
Jakub Kuberski
Member of the Supervisory Board
He studied Computer Science and Econometrics and Law at the University of Warsaw. He has 10 years of experience in private equity. From 2010 to 2013 he worked as an analyst and associate at Kulczyk Investments. In October 2013 he joined Enterprise Investors (EI). He started his career at EI as an Analyst, then was promoted to Chief Investment Officer, and in July 2019 assumed the position of Vice President. He has also served on the supervisory boards of several Enterprise Investors portfolio companies in the high-tech and financial services sectors and is currently a member of the supervisory board of Unilink S.A., based in Warsaw.
He studied Computer Science and Econometrics and Law at the University of Warsaw. He has 10 years of experience in private equity. From 2010 to 2013 he worked as an analyst and associate at Kulczyk Investments. In October 2013 he joined Enterprise Investors (EI). He started his career at EI as an Analyst, then was promoted to Chief Investment Officer, and in July 2019 assumed the position of Vice President. He has also served on the supervisory boards of several Enterprise Investors portfolio companies in the high-tech and financial services sectors and is currently a member of the supervisory board of Unilink S.A., based in Warsaw.
Piotr Lach
Member of the Supervisory Board
He graduated from the Warsaw School of Economics, majoring in finance and accounting. From 2014 to 2017 he worked at PwC Polska sp. z o.o. as an Associate. He started his career with EI in 2017 as an Analyst, and from January 2021 he took over the position of Investment Director. He currently sits on the Supervisory Board of Wento sp. z o.o. and Vehis Group companies.
He graduated from the Warsaw School of Economics, majoring in finance and accounting. From 2014 to 2017 he worked at PwC Polska sp. z o.o. as an Associate. He started his career with EI in 2017 as an Analyst, and from January 2021 he took over the position of Investment Director. He currently sits on the Supervisory Board of Wento sp. z o.o. and Vehis Group companies.
PragmaGO.tech (Subsidiary of PragmaGO SA)
Management
Wojciech Bublik
CEO of PragmaGO.tech, Chief Technology Officer
He started his professional career at BPH S.A. Bank. From 2007 to 2012 he worked at the software company Empathy and then for three years at Unity Group. He worked his way through all IT ranks – from programmer to director – to finally join PragmaGO in 2015. For the first six years he was CEO of PragmaGO.tech, and since 2021 he is also CTO of PragmaGO S.A. He leads a team of nearly 40 developers, UX/UI specialists and is responsible for the company’s technology strategy.
He started his professional career at BPH S.A. Bank. From 2007 to 2012 he worked at the software company Empathy and then for three years at Unity Group. He worked his way through all IT ranks – from programmer to director – to finally join PragmaGO in 2015. For the first six years he was CEO of PragmaGO.tech, and since 2021 he is also CTO of PragmaGO S.A. He leads a team of nearly 40 developers, UX/UI specialists and is responsible for the company’s technology strategy.
Monevia sp. z o.o. (Subsidiary of PragmaGO SA)
Management
Maciej Drowanowski
President, CEO
Expert in receivables management and financing. For more than 12 years he was responsible for the development of the Coface Group in Poland, managing various projects in Poland and the CEE region. Speaker at many conferences related to fintech, factoring, credit insurance, credit information and debt collection. CEO of Monevia since 2015.
Expert in receivables management and financing. For more than 12 years he was responsible for the development of the Coface Group in Poland, managing various projects in Poland and the CEE region. Speaker at many conferences related to fintech, factoring, credit insurance, credit information and debt collection. CEO of Monevia since 2015.
Marta Sankiewicz
Board Member, Chief Operating Officer
Expert in credit management and financing. For more than 12 years he was responsible for the development of the Coface Group in Poland, managing various projects in Poland and the CEE region. Speaker at many conferences related to fintech, factoring, credit insurance, credit information and debt collection. CEO of Monevia since 2015.
Expert in credit management and financing. For more than 12 years he was responsible for the development of the Coface Group in Poland, managing various projects in Poland and the CEE region. Speaker at many conferences related to fintech, factoring, credit insurance, credit information and debt collection. CEO of Monevia since 2015.
Tomasz Krzysztof Gąsiorowski
Board Member, Commercial Director
Sales and Business Development Manager with over 20 years of experience in retail and corporate banking. For 14 years, he has been associated with Raiffeisen Bank structures and has also worked as Sales Director at Idea Money, a factoring company belonging to the Idea Bank Group, and as Director of Direct Sales at BNP Paribas Factoring. Since 2019, he has been responsible for the development of Monevia’s distribution network, and since 2024, he has been a member of the Board of Directors.
Sales and Business Development Manager with over 20 years of experience in retail and corporate banking. For 14 years, he has been associated with Raiffeisen Bank structures and has also worked as Sales Director at Idea Money, a factoring company belonging to the Idea Bank Group, and as Director of Direct Sales at BNP Paribas Factoring. Since 2019, he has been responsible for the development of Monevia’s distribution network, and since 2024, he has been a member of the Board of Directors.
Telecredit IFN (Omnicredit) (Subsidiary of PragmaGO SA)
Management
Elisa Rusu
President, Chief Executive Officer
An executive with more than 15 years of experience in factoring, leasing and microfinance in the B2B sector. Before becoming CEO of Omnicredit, she headed Banca Transilvania Factoring, the second largest factoring company in Romania, as well as Meridian Leasing and Compania de Factoring. An expert in corporate finance, she effectively combines strategic knowledge with operational practice.
An executive with more than 15 years of experience in factoring, leasing and microfinance in the B2B sector. Before becoming CEO of Omnicredit, she headed Banca Transilvania Factoring, the second largest factoring company in Romania, as well as Meridian Leasing and Compania de Factoring. An expert in corporate finance, she effectively combines strategic knowledge with operational practice.
Board of Directors (Board of Directors) Telecredit IFN (Omnicredit)
Vjačeslav Lypko
Chairman of the Supervisory Board
Jacek Obrocki
Member of the Supervisory Board
Bilea-Arora Mihaela
Member of the Supervisory Board