BidFinance strengthens its position as a leader in the debt trading market

A brief summary of the year and prospects for the next one at BidFinance, in an interview with Piotr Szaciłło, Chief Revenue Officer (CRO) of the company and with a summary of Zheni Karastoyanova, CEO of BidFinance.

What does BidFinance's strategy look like now?

Zhenya Karastoyanov: Our strategy for 2026 focuses on three pillars.

The first is the scaling of the platform in Poland. We are strengthening our position as the market leader in the digital debt auctions segment. We are increasing the number of sellers, introducing new asset classes (banks, BNPL, leasing, telecom, energy), as well as investing in automation and security, a.o. advanced MFA mechanisms, improved onboarding and analytical tools for buyers. 

Another pillar is foreign expansion. Poland remains a key market, but the strategy for 2026 clearly assumes that BidFinance is becoming a pan-European auction platform, operating in several countries. The goal is to standardize the process of selling debt portfolios in Europe and bring it 100% online. 

And the third pillar is technology & AI as a competitive advantage. We invest in modules supporting portfolio pricing, automatic KYC/AML and tools for sellers and sellers that increase conversion and process comfort. We are laying the foundation for an AI-based valuation assistant, which will be one of the key features in 2026. 

How does entering foreign markets fit into the strategy?

ZK.: Foreign expansion is not an addition to the strategy - it is its central element.

In 2025, we launched our first auctions in Sweden, Romania and Bulgaria, confirming the need for a transparent, transparent and fully digital portfolio sales process.

In 2026, we focus on:

• entering more markets in Northern and Central Europe;
• development of dedicated local teams (Country Managers, Business Development, Customer Success);
• creating a single, European sales pipeline that allows buyers to invest cross-border;
• integration with European funds, banks and servicers who are looking for opportunities to buy/collect portfolios in different countries;
• Expansion opens up access to new asset classes, increases sales volume, and allows us to build economies of scale that are unattainable for local platforms.

First auctions on foreign markets – what does it change?

Piotr Szaciłło: The launch of auctions in Sweden, Romania and Bulgaria shows that the BidFinance model is scalable. This allows for key conclusions:

• the process is universal and local adaptation requires regulatory adaptation in the first place;
• buyers appreciate transparency, especially where the market has traditionally relied on bilateral relationships and offers;
• sellers get a higher price because the platform attracts international investors;
• we are building the brand as a European auction center for receivables, not a local platform.

The first foreign auctions became a catalyst for organizational changes for us: expanding the structure, international recruitment and creating new sales processes.

How do international recruitments and sales funnels work?

PSz.: In order to scale the model in Europe, we are building a European sales organization. In 2025, we started recruiting Country Managers for the northern and southern markets.  In 2026, we are developing this structure to:

• conduct local relationships with banks, BNPL, lending institutions, leasing and energy companies, insurers;
• build brand recognition in individual countries;
• acquire wallets in accordance with local regulations;
• transfer best sales practices between markets.

Our model assumes that a local competence center is established in each country, and the headquarters coordinates technological operations, compliance and the auction process.

A brief summary of recent achievements?

PSz.: Q3 and Q4 2025 were a period of dynamic growth for BidFinance, both in Poland and on foreign markets. The most important results are:

• record interest of buyers – both funds and debt collection companies;
• increase in the number of registered buyers and sellers;
• the first foreign transactions that confirmed the scalability of the model;
• an increase in the number of active auctions and the volume of portfolios listed;
• development of teams in three new countries.

It was a quarter that confirmed that the European direction is the right one, and the growth rate is higher than planned.

"By entering more European markets, we are implementing our vision of creating the first fully pan-European platform for the sale of debt portfolios. Q3 and Q4 showed that the transparent auction model works not only in Poland, but throughout Europe.  
This is just the beginning of a transformation in which BidFinance will play a key role." - sums  up Zhenya Karastoyanov, CEO of BidFinance.

Interviewed by Ewa Pysiewicz, December 2025