Sustainability

We provide transparency to our customers, partners, bondholders and investors regarding our sustainability and environmental and social impact (ESG) activities.

Sustainability

We provide our clients, partners, bondholders and investors with transparency of information regarding sustainability and environmental and social impact (ESG) activities.

Responsibility for our environment,
or ESG activities

In 2025, we worked to achieve the objectives and goals set out in the 2025–2027 ESG Strategy. We also conducted a double materiality analysis, which allowed us to identify the areas of our operations with the greatest environmental and social impact.

Download Report 2025

A summary of the ESG activities we implemented in 2025:

Responsibility to society

Responsibility to customers

Digitalization of financial services is becoming an important means to support the success of the SME segment. Thanks to advanced technologies, we offer fast, 24/7/365 financing, minimizing the paperwork and time required to obtain funds.

We launched PragmaPay, the first “Buy Now, Pay Later” solution for B2B that matches the convenience and speed of services available in the consumer segment.

We have implemented new features in the Customer Area.

As part of cyber security, we have introduced a procedure for overseeing the execution of contracts with ICT providers.

We have invested in migrating our IT infrastructure to T-Mobile. This is a large-scale project that allows us to continue the development of financial services for entrepreneurs unhindered. The implementation of high-tech solutions from T-Mobile ensures the stability and highest quality of processes, and consequently of our financing. Entrepreneurs who use it can be sure that their data is protected at the highest level.

We created Pragmatic Business Academy to provide our clients with practical financial and management knowledge in an accessible format. Among other things, we offer webinars and tutorials, responding to the real needs of busy entrepreneurs.

Responsibility to employees

We have conducted a number of internal and external trainings on diverse topics. Our employees trained for 1,488 hours in 2024.

We are continuing our partnership with HeyLangu’s platform, which gives you the opportunity to participate in individual lessons – anytime. Our employees have spent 69,000 minutes in conversation during our 1150 subsidized lessons.

We want our employees to be able to take care of their relationships, family, health and rest and pursue their passions with peace of mind. Work rules are individually tailored to the specifics of each department and the scope of responsibilities. For many positions, we allow remote working in full compliance with applicable laws, with flexible hours.

Responsibility to the community

We regularly supported foundations: Ostoja4Łapy, Amazon.

We were pleased to partner with the #HolisticTalk conference “Good. Truth. Humanism,” organized by the Fiducia Foundation.

We collected and delivered the most necessary things for the charges of the Shelter for Homeless Animals in Bydgoszcz.

Together with the Warsaw Banking Institute, we supported the publication of educational books and comic books for children and young people entitled The Adventures of the Enterprising Jack, inspired by Janusz Korczak’s novel, which were distributed to Polish schools and the Polish Scouting and Guiding Association, among others. We also organized a podcast and webinar on factoring for students from six universities and student organizations, with 110 participants.

We took part in the “Poland Business Run,” a charity run, the proceeds of which go to help people with disabilities.

Together with our partner Shoper, we organized a sports competition in which teams collected kilometers in running, biking and walking – collectively covering nearly 60,000 kilometers. The winning team selected the FizjoTRIterapia Foundation as the beneficiary of the funds, which we jointly donated to support sports for children with disabilities.

Responsibility to bondholders

We attach great importance to our responsibility to our investors and bondholders, fulfilling our full disclosure obligations as a public company. We are subject to IFRS/IAS regulations, which guarantees the highest standards of accounting and transparency.

We provide full transparency and quality of financial information. We have been present on the Catalyst market since 2011.

Responsibility towards the environment

Reducing CO2 emissions

We were able to reduce direct CO2 emissions by 2% and indirect emissions by 24%.

In 2024, our fleet consisted of 31 vehicles, including 26 hybrids and 1 electric car.

Part of the electricity we buy is certified as coming from renewable energy sources (CERT). This supports the development of green energy and reduces our carbon footprint.

Moving toward paperless organizations and forest conservation

In 2024, 99% of the contracts we have with customers were signed electronically, without the use of paper.

We can estimate that we saved 347 reams of paper, for which 21 trees would have to be used, through digital contracts in 2024. We also estimate saving 86,850 courier shipments, avoiding the use of 17,370 liters of fuel and 46,552 kg of CO₂ emissions.

We supported the Forest Forever Foundation, which, among other things, used our funds to purchase 1.29 hectares of biodiverse forest located in Mostow, Mława County.

In March 2024, we took part in an action organized by the Civic Initiative Forge in Katowice. We joined volunteers and the local community and contributed to the cleanup of the Katowice forest near the Kokociniec housing estate.

Education on recycling and reducing consumption

We had the pleasure of participating in a webinar entitled. “Garbage less – why recycling isn’t everything?”, which, at our request, was prepared and hosted by Mr. Michal Paca – CEO of Bioodpady.pl.

On the occasion of World Recycling Day, we have prepared an educational campaign – a mailing with recycling information – developed in conjunction with BioWaste.

Odpowiedzialność wobec obligatariuszy

Responsible management and corporate governance

We have spun off the Compliance Department to effectively combine business development with increasing regulatory requirements. The team is responsible for overseeing, implementing and auditing key processes, including in the areas of IT, integration with partners and new financial products.

We have implemented a whistleblower protection system in accordance with the Law of June 24, 2024, enabling anonymous and secure reporting of legal violations. The procedure fosters a culture of transparency, protects whistleblowers from retaliation and increases PragmaGO’s operational compliance.

ESG targets for 2026

Society

Supporting the competitiveness of micro and small businesses by increasing the availability of financing and bridging the financing gap in this segment.

Continue to work toward a friendly, inclusive and attractive workplace.

Strive for full gender equality in all aspects and areas of the organization and outside the organization.

Countering bullying and harassment. Building an organization’s culture based on equal treatment, caring for the personal dignity of employees and acting in accordance with the code of ethics.

Environment

SCOPE 1 – CO₂ reduction in direct emissions

Maintaining the current fleet of hybrid cars.

Conducting ecodriving training.

SCOPE 2 – reduction of CO₂ in indirect emissions

Investment in green energy by installing solar panels on the company’s building (72 Brynowska Street, Katowice).

Optimization of energy consumption in offices (automatic lighting, efficient HVAC systems).

SCOPE 3 – reducing the carbon footprint in the supply chain

In 2025, develop in cooperation with a consulting firm a methodology for counting issues in the loan and factoring portfolio

Creation of a calculator that allows for correct data collection (in 2025 and 2026).

Increase commitment to the environment by supporting local ecosystems..

Identification of employees with the adopted ESG strategy.

Achieve paperless organization status.

Governance and corporate governance

Implementing the ESG strategy.

ESG reporting and disclosure according to market standards and practices and attestation of ESG report in 2029.

Engage stakeholders in the process of developing and monitoring ESG strategies.

Integration of ESG risks into PragmaGO’s risk management system.

Anti-corruption – zero tolerance.

Supplier relationship management, including payment practices.

Management of the ESG area

Strategic oversight of the ESG area has been assumed by Vice President Jacek Obrocki. His role is to oversee the implementation of ESG goals and their integration into operational, business and communication activities aimed at all stakeholder groups. The document that sets the principles of our sustainable activities is the Sustainability Policy.