Customer

• Intrum
• debt collection agency
• Interviewee: Elżbieta Uklejewska

The Challenge

• the need to establish a process for systematically collecting information on bankruptcies, restructurings, and removals from the National Court Register,
  
  
• support for the unit responsible for handling bankruptcy and restructuring proceedings,
  
  
• reducing the costs associated with continuing to pursue cases that are unlikely to succeed due to the debtor’s bankruptcy or the entity’s removal from the registry,
  
  
• ensuring ongoing access to data that can be integrated into internal operational processes.
  
  

Result

• launching a continuous process for collecting data on bankruptcies and restructurings through API integration,
  
  
• monthly monitoring of removals from the National Court Register and the ongoing identification of cases requiring a suspension of further action,
  
  
• reducing operating costs by eliminating unpromising cases,
  
  
• support for scoring algorithms and decision-making processes related to the further handling of cases.
  
  

The need and the decision to buy

What risk or issue was the key factor in your decision to purchase data from MGBI?

A key factor was the need to establish a unit responsible for handling bankruptcy and restructuring proceedings and to ensure that this team had access to the data necessary to manage these cases.

Another key aspect was cost optimization, specifically limiting further action in cases involving entities removed from the National Court Register (KRS) or subject to bankruptcy proceedings, while ensuring ongoing access to reliable information in this regard.

I see—it’s also about meeting the deadline for filing a claim. But even if the company decides not to participate in the proceedings, is there still value in simply suspending its activities?

Yes, even if we decide not to file a claim in the proceedings, the mere fact of suspending further collection efforts in cases that are unlikely to succeed due to the bankruptcy of an individual or entity represents significant operational and cost benefits.

The situation prior to implementation

How did you handle this problem in the past? Were any other solutions used?

No, we didn't previously have a solution that would allow us to handle this area on a large scale.

We obtained information only on a case-by-case basis, using publicly available websites. At that time, we were just beginning to develop this process, so we were looking for a provider that could offer bulk access to information on bankruptcies and removals from the National Court Register (KRS).

So there wasn't a solution that would allow us to do this on a large scale?

Yes. In the area of bulk processing—unlike single data lookups—it was precisely this solution, combined with API integration, that enabled us to operate effectively at the required scale.

Why did Intrum choose MGBI?

What was the most important factor for you when choosing this particular solution? What made you decide in its favor?

Our collaboration has gone very smoothly from the start. We had previously used another provider for KRS deregistration services, but later received an offer from you to provide this service as part of an annual subscription at significantly more favorable rates.

As a result, we have decided to rely entirely on your solutions and the information you provide in this area.

Implementation

How would you rate the implementation process?

As far as I recall, the implementation process went smoothly. It was carried out in phases: initially, it involved exchanging Excel files; then we used access to your platform; and finally, an API connection was established.

I don’t recall any significant issues during the implementation phase, so I rate both the process itself and our collaboration very highly.

The practical application of data

Which departments at Intrum receive information from MGBI?

The use of this information is spread across several areas of the organization, but it is first forwarded to the team responsible for bankruptcy and restructuring proceedings. That is where the main handling of bankruptcy and restructuring cases is concentrated.

At the same time, information regarding removals from the National Court Register (KRS) as well as bankruptcy and restructuring proceedings is also used by teams handling amicable debt collection and judicial enforcement.

How does the use of this data work in practice?

In the area of bankruptcy and restructuring, we utilize API integration. By continuously gathering information, we can appropriately flag cases and suspend further actions or—if it makes business sense—file claims in bankruptcy proceedings.

In the event of a company being removed from the National Court Register (KRS), we receive monthly updates from you. Based on this information, we also mark the cases accordingly and suspend further actions to avoid incurring unnecessary costs.

Results and benefits

In what ways has MGBI data actually made your work easier or more efficient?

On the one hand, the MGBI data supported the development of the department responsible for handling bankruptcy and restructuring proceedings; on the other hand, it helped reduce costs by discontinuing cases with no prospect of success, in which the entity had been declared bankrupt or removed from the National Court Register.

What are the two or three main benefits you’ve noticed since the implementation?

The key benefits include reduced operating costs and the ability to recover debts in bankruptcy and restructuring proceedings by joining such proceedings in a timely manner.

Does the data from the MGBI also have a broader impact on decision-making processes?

Information regarding account closures and bankruptcies also influences our scoring algorithms, which help determine which cases should proceed to further action—whether through out-of-court settlement or court-ordered enforcement.

If you had to recommend our product in one sentence, what would you say?

This solution enables the efficient, large-scale collection of information on bankruptcies, restructurings, and removals from the National Court Register (KRS), supporting both operational decisions and cost control.