Capital Service S.A. (Poland)

Capital Service S.A. operates as a Polish consumer finance and payment-services company, recognized as the owner and developer of the KredytOK brand. The company offers non-bank consumer lending solutions delivered through digital channels and a retail advisory model, including short-term and installment-style cash loan products marketed under KredytOK and supported by customer service and in-person advisory appointments. In parallel, Capital Service S.A. develops payment services activity as a regulated small payment institution model, positioning payments as an extension of its existing financial products and customer servicing capabilities. The companys geographic scope is primarily Poland, with nationwide reach through online onboarding and a branch/advisory network supporting customer acquisition and servicing. Key brands and assets include the KredytOK consumer finance brand, customer-contact infrastructure (infoline and advisory scheduling), and organizational capabilities spanning product design, sales execution, and compliance under Polish financial supervision frameworks. Strategically, the company positions itself around accessible, fast decision consumer financing and the gradual broadening of its offer with payment services to deepen customer relationships and diversify revenue streams within Poland.