Do you want to check if someone has filed for bankruptcy? Or perhaps you’re planning to submit an application in restructuring proceedings?
As of December 1, 2021, all bankruptcy, restructuring, and business prohibition proceedings are conducted exclusively via the National Debtors Register (KRZ).
How does KRZ work?
Who is required to use it?
What kind of information can be found in the register?
Here’s everything you need to know about the National Debtors Register!
What is KRZ??
The National Debtors Register (KRZ) is a modern IT system that provides faster access to information and streamlines legal processes.
Why Was KRZ Created?
KRZ was introduced in response to EU Regulation 2015/848, which mandated the creation of a register for insolvency and restructuring proceedings.
Main Goals and Functions of the System
Providing online access to case files for debtors and creditors.
Accelerating bankruptcy and restructuring processes – all documents are submitted electronically.
Increasing economic transaction security – easier verification of financial standing of potential contractors.
Important! If you want to file for consumer bankruptcy, restructure a company, or file a claim, you must do so through KRZ. The system is useful not only for debtors and creditors, but also for businesses wishing to check the financial credibility of a contractor before signing an agreement. Thanks to KRZ, you can easily verify if an individual or company is currently involved in insolvency or restructuring proceedings.
How Does KRZ Work?
What Portals Are Available Within KRZ?
KRZ is divided into four main sections:
Public portal – a public register accessible to everyone, no login required.
Registered user portal – for debtors and creditors; requires account creation.
Administrative portal – for public bodies (e.g. bailiffs).
Professional portal – for trustees, administrators, and supervisors involved in proceedings.
Who Is Required to Use KRZ?
Using the National Debtors Register is mandatory for parties involved in bankruptcy and restructuring proceedings.
Who Is Exempt From Using KRZ?
The law provides a few exceptions:
Alimony creditors – can file claims directly to the trustee in paper form.
Employees with claims such as wages or severance – may file outside the system unless represented by a legal professional.
Individuals receiving compensatory pensions, e.g. for work accidents – can file outside the system.
Individuals not running a business who wish to file for consumer bankruptcy – may file traditionally with the bankruptcy court without registering in the system.
What Information Can Be Found in KRZ?
Public Portal
No login required. You can check:
Bulletin board – current bankruptcy and restructuring proceedings.
Entity search – whether a company or person is bankrupt.
Partner search – whether someone is connected to a bankrupt entity.
Bankruptcy estate search – details of assets subject to division.
Document authenticity verification.
Registered User Portal
Accessible to parties involved in proceedings. Requires an account. Allows:
Filing for bankruptcy.
Submitting claims to the trustee.
Sending letters and documents related to proceedings.
Monitoring case progress.
Professional Portal
For professionals – trustees, administrators, and supervisors.
This portal allows them to perform key tasks in proceedings, such as posting announcements, submitting reports, updating debtor asset information, and managing case documentation. It is through this portal that they oversee the course of insolvency or restructuring processes in accordance with the law.
Why Is KRZ Important?
KRZ offers a range of benefits for all participants in proceedings:
Faster and clearer access to case files – for both debtors and creditors.
Secure communication and document submission – electronic format streamlines the process.
Better economic risk management – companies can easily check a contractor’s credibility.
Fewer formalities and procedural errors – the system guides users through each stage of the proceedings.
SUMMARY:
KRZ is a mandatory system for all bankruptcy and restructuring proceedings initiated after December 1, 2021.
Access to information is available 24/7 – you can check if a person or entity is bankrupt.
All documents are filed electronically – proceedings are faster and more transparent.
Not everyone is required to use KRZ – exceptions include alimony creditors and individuals not engaged in business activity.
Need Help with KRZ?
Having trouble navigating KRZ?
Don’t know how to register or file for bankruptcy?
Want to submit a claim and avoid mistakes?
Struggling with the system?
Contact our law firm! We’ll help you navigate the entire process step-by-step and avoid procedural errors!
FAQ – Frequently Asked Questions
Can I check a debtor in KRZ without logging in?
Yes! The public KRZ portal allows access to ongoing proceedings without registration.
What documents can I file in KRZ?
You can submit:
A bankruptcy application (consumer and business).
A restructuring application.
A creditor’s claim.
Other letters and documents related to your case.
Do I need an account in KRZ to submit a claim?
Yes, if you’re a creditor in bankruptcy proceedings, you must create an account and file your claim online.
Can a debtor avoid KRZ proceedings?
No. KRZ is mandatory for all new proceedings from December 1, 2021, onwards.
Are there records in KRZ for bankruptcies before 2021?
No. To check older proceedings, check at the Court and Commercial Gazette (Monitor Sądowy i Gospodarczy).
Can I get help using KRZ?
Absolutely! If you’re having trouble registering, filing documents, or submitting a claim, contact our law office – we’ll guide you through the entire process!
