KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally. The company operates through Debt Purchase, Credit Management, and Other segments. It purchases and manages debt portfolios, including consumer, mortgage-backed, and corporate debts; and offers consumer unsecured, mortgage, and SME/corporate loans, as well as credit management services.