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Poland’s Embattled Cinkciarz.pl Declared Bankrupt, Creditors Urged to File Claims

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Poland’s Embattled Cinkciarz.pl Declared Bankrupt, Creditors Urged to File Claims

Tuesday, 28/10/2025 | 20:29 GMT by Jared Kirui

  • A trustee has reportedly been appointed to liquidate the company’s assets and oversee the claims of creditors.
  • Logging into the company website currently displays the message, “This is not the end of the story.”

Bankruptcy_03

The District Court in Zielona Góra has declared online currency exchange Cinkciarz.pl bankrupt, triggering proceedings that could allow thousands of customers to recover lost funds. A trustee has been appointed to liquidate the company’s assets and oversee creditor claims, local media publication InteriaBiznes reported.

Discover how neo-banks become wealthtech in London at the fmls25

Bankruptcy Confirmed After Months of Financial Troubles

For over a year, Cinkciarz.pl users reported delays and failures in completing transactions. Some were waiting for amounts of a few hundred złoty, while others awaited tens or hundreds of thousands. The situation escalated in spring 2025 when one creditor, owed PLN 2 million, filed for bankruptcy.

The court supervisor, Łukasz Grenda of Grenda-Restrukturyzacja sp. z o.o., reviewed the bankruptcy petition and confirmed the company’s permanent insolvency. “The company lacks sufficient assets to repay all its creditors, and its legal situation is essentially incapable of continuing operations,” the report concluded. Grenda has now been appointed as the official bankruptcy trustee.

Lawyers representing affected customers stress that bankruptcy is the only viable route to recover funds. “Without Cinkciarz’s bankruptcy, reclaiming their money would be impossible or significantly more difficult,” said Paweł Grzebień from the Sobota Jachira Law Firm.

“Not The End of the Story”

Logging into the company website is met with a bizarre message: “This is not the end of the story.” Creditors must report their claims to the trustee to participate in the distribution of Cinkciarz.pl’s remaining assets.

A message displayed on Cinkciarz.pl’s website

Claims must be submitted electronically through the National Debt Register (KRZ). Legal experts caution that the system is not intuitive and requires precise documentation. According to Piotr Zimmerman, legal counsel at Zimmerman Sierakowski Frosztęga, claims must comply with Article 240 of the Bankruptcy Law, include procedural elements, and meet statutory requirements, Business Insider reported.

Related: Conotoxia Files Complaint Against Poland in the US, Claims Losses of “At Least Several Billion Zlotys”

Criminal Investigation and Interpol Red Notice

Timing is critical: creditors filing within 30 days of the bankruptcy declaration, October 27, 2025, will reportedly avoid fees. The deadline to submit claims without penalty is November 26, 2025. Late submissions carry a fee of PLN 1,239.95. Creditors have also been advised to gather supporting documents proving their debts to increase the likelihood of recovery.

The bankruptcy comes amid ongoing criminal investigations. The Regional Prosecutor’s Office in Poznań launched an inquiry on October 3, 2024, filing charges in March 2025 for alleged fraud and money laundering. The total estimated losses for Cinkciarz.pl clients now approach PLN 125 million.

The District Court in Zielona Góra has declared online currency exchange Cinkciarz.pl bankrupt, triggering proceedings that could allow thousands of customers to recover lost funds. A trustee has been appointed to liquidate the company’s assets and oversee creditor claims, local media publication InteriaBiznes reported.

Discover how neo-banks become wealthtech in London at the fmls25

Bankruptcy Confirmed After Months of Financial Troubles

For over a year, Cinkciarz.pl users reported delays and failures in completing transactions. Some were waiting for amounts of a few hundred złoty, while others awaited tens or hundreds of thousands. The situation escalated in spring 2025 when one creditor, owed PLN 2 million, filed for bankruptcy.

The court supervisor, Łukasz Grenda of Grenda-Restrukturyzacja sp. z o.o., reviewed the bankruptcy petition and confirmed the company’s permanent insolvency. “The company lacks sufficient assets to repay all its creditors, and its legal situation is essentially incapable of continuing operations,” the report concluded. Grenda has now been appointed as the official bankruptcy trustee.

Lawyers representing affected customers stress that bankruptcy is the only viable route to recover funds. “Without Cinkciarz’s bankruptcy, reclaiming their money would be impossible or significantly more difficult,” said Paweł Grzebień from the Sobota Jachira Law Firm.

“Not The End of the Story”

Logging into the company website is met with a bizarre message: “This is not the end of the story.” Creditors must report their claims to the trustee to participate in the distribution of Cinkciarz.pl’s remaining assets.

A message displayed on Cinkciarz.pl’s website

Claims must be submitted electronically through the National Debt Register (KRZ). Legal experts caution that the system is not intuitive and requires precise documentation. According to Piotr Zimmerman, legal counsel at Zimmerman Sierakowski Frosztęga, claims must comply with Article 240 of the Bankruptcy Law, include procedural elements, and meet statutory requirements, Business Insider reported.

Related: Conotoxia Files Complaint Against Poland in the US, Claims Losses of “At Least Several Billion Zlotys”

Criminal Investigation and Interpol Red Notice

Timing is critical: creditors filing within 30 days of the bankruptcy declaration, October 27, 2025, will reportedly avoid fees. The deadline to submit claims without penalty is November 26, 2025. Late submissions carry a fee of PLN 1,239.95. Creditors have also been advised to gather supporting documents proving their debts to increase the likelihood of recovery.

The bankruptcy comes amid ongoing criminal investigations. The Regional Prosecutor’s Office in Poznań launched an inquiry on October 3, 2024, filing charges in March 2025 for alleged fraud and money laundering. The total estimated losses for Cinkciarz.pl clients now approach PLN 125 million.

Jared Kirui

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Jared is an experienced financial journalist passionate about all things forex and CFDs.

  • 2351 Articles
  • 46 Followers

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    “Education & Information Are Key” – Ricardo Dias on Finance Magnates

    Ricardo Dias from Spotware shares why Finance Magnates is his go-to source for industry insights, education, and fast, high-quality information. “I like the part of the industry insights, the news, and especially the education. Fast and quality information is the best way for traders and companies to succeed in a very difficult industry.” – Ricardo Dias, Spotware 👉 Subscribe to Finance Magnates for more exclusive testimonials and industry insights. 📍 Filmed during iFX Expo International 2025.

    Ricardo Dias from Spotware shares why Finance Magnates is his go-to source for industry insights, education, and fast, high-quality information. “I like the part of the industry insights, the news, and especially the education. Fast and quality information is the best way for traders and companies to succeed in a very difficult industry.” – Ricardo Dias, Spotware 👉 Subscribe to Finance Magnates for more exclusive testimonials and industry insights. 📍 Filmed during iFX Expo International 2025.

    Ricardo Dias from Spotware shares why Finance Magnates is his go-to source for industry insights, education, and fast, high-quality information. “I like the part of the industry insights, the news, and especially the education. Fast and quality information is the best way for traders and companies to succeed in a very difficult industry.” – Ricardo Dias, Spotware 👉 Subscribe to Finance Magnates for more exclusive testimonials and industry insights. 📍 Filmed during iFX Expo International 2025.

    Ricardo Dias from Spotware shares why Finance Magnates is his go-to source for industry insights, education, and fast, high-quality information. “I like the part of the industry insights, the news, and especially the education. Fast and quality information is the best way for traders and companies to succeed in a very difficult industry.” – Ricardo Dias, Spotware 👉 Subscribe to Finance Magnates for more exclusive testimonials and industry insights. 📍 Filmed during iFX Expo International 2025.

    Ricardo Dias from Spotware shares why Finance Magnates is his go-to source for industry insights, education, and fast, high-quality information. “I like the part of the industry insights, the news, and especially the education. Fast and quality information is the best way for traders and companies to succeed in a very difficult industry.” – Ricardo Dias, Spotware 👉 Subscribe to Finance Magnates for more exclusive testimonials and industry insights. 📍 Filmed during iFX Expo International 2025.

    Ricardo Dias from Spotware shares why Finance Magnates is his go-to source for industry insights, education, and fast, high-quality information. “I like the part of the industry insights, the news, and especially the education. Fast and quality information is the best way for traders and companies to succeed in a very difficult industry.” – Ricardo Dias, Spotware 👉 Subscribe to Finance Magnates for more exclusive testimonials and industry insights. 📍 Filmed during iFX Expo International 2025.

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