Company data from Slovak public registers

Andromia Insight

PB Finančné služby, a. s.

Company financial profile・Company ID 35817453・Hattalova 12, 83103 Bratislava・Founded 2001

Financial reportFinancial statements
Active

Turnover 2025

1.87 M €

−25 %
Company ID
35817453
Tax ID
2020284046
VAT ID
SK7020000680, under §4b, registered since Monday, September 17, 2001
Registered office
PB Finančné služby, a. s.Hattalova 12 83103 Bratislava
Established
Wednesday, August 1, 2001
Legal form
Akciová spoločnosť
Registered in
Obchodný registerMestský súd Bratislava III, Sa/2772/B

Profit 2025

169 K €

−25 %Net profit after tax

Assets

3.13 M €

−11 %Total assets, stated excl. VAT

Equity

2.16 M €

+8.5 %Assets less external liabilities

Debt ratio

31.1 %

−12 ppLiabilities / total assets

Gross margin

62.8 %

+8.2 ppGross profit / sales
Coming soon

Andromia score

—

Profit

−25 %
431 K €537 K €816 K €83 K €−323 K €−1.31 M €−391 K €2.42 M €1.31 M €73 K €226 K €169 K €2014201520162017201820192020202120222023202420252014431 K €2015537 K €2016816 K €201783 K €2018−323 K €2019−1.31 M €2020−391 K €20212.42 M €20221.31 M €202373 K €2024226 K €2025169 K €

Profit after tax as reported in each year's financial statements. A negative value is a loss.

Revenue

−28 %
6.25 M €9.41 M €9.44 M €8.06 M €2.78 M €6.85 M €10.37 M €12.78 M €8.21 M €1.4 M €1.76 M €1.28 M €20142015201620172018201920202021202220232024202520146.25 M €20159.41 M €20169.44 M €20178.06 M €20182.78 M €20196.85 M €202010.37 M €202112.78 M €20228.21 M €20231.4 M €20241.76 M €20251.28 M €

Sales of products, services and goods, i.e. income from the company's core business, without other revenue.

Income tax

Tax liability trend

103 K €108 K €213 K €207 K €213 K €225 €8 €405 K €100 K €0 €39 K €51 K €201420152016201720182019202020212022202320242025Total tax · 2014103 K €Total tax · 2015108 K €Total tax · 2016213 K €Total tax · 2017207 K €Total tax · 2018213 K €Total tax · 2019225 €Total tax · 20208 €Total tax · 2021405 K €Total tax · 2022100 K €Total tax · 20230 €Total tax · 202439 K €Total tax · 202551 K €Current tax · 2014114 K €Current tax · 2015156 K €Current tax · 2016314 K €Current tax · 2017268 K €Current tax · 201846 K €Current tax · 2019225 €Current tax · 20208 €Current tax · 2021405 K €Current tax · 2022100 K €Current tax · 20230 €Current tax · 202439 K €Current tax · 202551 K €

Total tax is the income tax reported in the income statement. Payable tax is the part the company pays to the state for that year.

Financial indicators

Calculated from accounting statements using standard financial formulas.

Net margin

9.1 %

Profit / revenue

Profit margin

13.3 %

+0.5 pp

Profit / sales

ROA

5.4 %

−1.0 pp

Return on assets

ROE

7.9 %

−3.5 pp

Return on equity

Return on costs

10.0 %

Profit / (revenue − profit)

Added value to revenue

42.9 %

+4.2 pp

Added value / revenue

Earnings before tax

221 K €

−17 %

Profit + income tax

Effective tax

23.1 %

+8.4 pp

Income tax / earnings before tax

Total revenue

Sales + other operating + financial income

10.08 M €201418.22 M €201510.5 M €20168.6 M €20173.31 M €20187.55 M €201912.03 M €202045.83 M €202152.95 M €20222.89 M €20232.48 M €20241.87 M €2025

All of the company's revenue for the year. Unlike sales, it also includes asset sales, financial and other revenue.

Income statement

Item2022202320242025
Sales of products, services and goods8.21 M €1.4 M €1.76 M €1.28 M €
Value added718 K €900 K €962 K €801 K €
Operating revenue52.95 M €2.89 M €2.48 M €1.87 M €
Profit after tax1.31 M €73 K €226 K €169 K €
Income tax100 K €0 €39 K €51 K €
Current income tax100 K €0 €39 K €51 K €

Revenue, costs and profit for each year, from the published financial statements.

Non-profit resources and costs

Item2022202320242025
Personnel costs979 K €645 K €657 K €699 K €

The main activity is untaxed, the business activity taxed. Figures from the published financial statements.

Assetsexcl. VAT

  • Non-current assets2,865 €
  • Current assets3.11 M €
  • Accruals and deferrals18 K €

What the company holds at year end: non-current and current assets, stated excl. VAT.

Liabilities and equity

  • Equity2.16 M €
  • Liabilities974 K €
  • Accruals and deferrals1,526 €

How those assets are financed: equity and external liabilities. Equity and liabilities always equal assets.

Balance sheet

Assets (excl. VAT)

Item2022202320242025
Total assets4.83 M €2.54 M €3.53 M €3.13 M €
Non-current assets962 K €664 K €200 K €2,865 €
Property, plant and equipment956 K €660 K €198 K €2,570 €
Non-current intangible assets5,667 €3,876 €2,086 €295 €
Non-current financial assets0 €0 €0 €0 €
Current assets3.83 M €1.85 M €3.3 M €3.11 M €
Inventory0 €49 K €106 K €106 K €
Non-current receivables642 K €183 K €92 K €93 K €
Current receivables1.16 M €938 K €1.16 M €567 K €
Current financial assets0 €0 €0 €0 €
Financial accounts2.02 M €677 K €1.95 M €2.35 M €
Accruals and deferrals35 K €29 K €23 K €18 K €

Liabilities and equity

Item2022202320242025
Total equity and liabilities4.83 M €2.54 M €3.53 M €3.13 M €
Equity4.19 M €1.76 M €1.99 M €2.16 M €
Share capital100 K €100 K €100 K €100 K €
Funds and other equity components278 K €278 K €278 K €278 K €
Profit/loss of previous years0 €1.31 M €1.39 M €1.61 M €
Profit/loss for the accounting period after tax1.31 M €73 K €226 K €169 K €
Liabilities623 K €772 K €1.53 M €974 K €
Non-current liabilities7,453 €8,282 €8,754 €7,444 €
Current liabilities348 K €443 K €1.08 M €510 K €
Short-term financial assistance0 €0 €0 €0 €
Long-term bank loans0 €0 €0 €0 €
Short-term bank loans0 €0 €0 €0 €
Provisions209 K €188 K €233 K €457 K €
Accruals and deferrals13 K €5,249 €3,334 €1,526 €

Assets and how they are financed at the end of each year. Assets are stated excl. VAT.

Company reliability

  • The entity is listed as an unreliable VAT payerNo
  • Former unreliable VAT payerNo
  • Excess VAT deductionNo
  • Tax reliability indexHighly reliable
  • Tax debtNo
  • State receivablesNo
  • State court receivablesNo
  • Debt with VšZPNo
  • Debt with UnionNo
  • Debt with Social Insurance AgencyNo

Central Register of Contracts

Contract count1
Total amount0 €
Counterparties1
Latest contractTuesday, October 1, 2019

includes 2 records with amendments and cancelled contracts

Largest partners

View all

Recent contracts

View all

Zdroj: Centrálny register zmlúv (www.crz.gov.sk), Úrad vlády SR, licencia CC BY 4.0

Public sector partner

Registered since

Wednesday, July 12, 2017

Beneficial owners

2

Registration status

Active

Beneficial-owner verification valid (Monday, January 5, 2026)Verified by: Advokátska kancelária RELEVANS s. r. o.

Beneficial owners

  • Ing. Ruth MichalikováNa Kalvárii 2, 81104 Bratislava - mestská časť Staré Mesto
    from Saturday, April 11, 2026
  • Ing. Tomáš RevajTomášikova 50A, 83104 Bratislava - mestská časť Nové Mesto
    from Saturday, April 11, 2026

Business activities

18 registered activities

  • vykonávanie činnosti podriadeného finančného agenta v sektore poistenia alebo zaisteniaValid from Saturday, June 12, 2021
  • poskytovanie úverov alebo pôžičiek z peňažných zdrojov získaných výlučne bez verejnej výzvy a bez verejnej ponuky majetkových hodnôt,Valid from Friday, December 28, 2012
  • prenájom námorných lodíValid from Thursday, July 30, 2009
  • automatizované spracovanie dát,Valid from Monday, October 29, 2001
  • činnosť organizačných a ekonomických poradcov,Valid from Monday, October 29, 2001
  • faktoring a forfaiting,Valid from Monday, October 29, 2001
  • nájom a prenájom motorových vozidiel,Valid from Monday, October 29, 2001
  • vedenie účtovníctva,Valid from Monday, October 29, 2001
  • kúpa tovaru za účelom jeho predaja iným prevádzkovateľom živnosti (veľkoobchod) v rozsahu voľnej živnosti,Valid from Wednesday, August 1, 2001
  • kúpa tovaru za účelom jeho predaja konečnému spotrebiteľovi (maloobchod) v rozsahu voľnej živnosti,Valid from Wednesday, August 1, 2001

Statutory bodies and related persons

Statutory body

2 active of 26
  • Ing. Ruth MichalikováActive
    Predstavenstvofrom Saturday, August 1, 2026

    Predseda predstavenstva

    Address Na Kalvárii 3292/2, 81104 Bratislava - mestská časť Staré Mesto, Slovenská republika

  • Mgr. Ján DžuppaActive
    Predstavenstvofrom Saturday, August 1, 2026

    Člen predstavenstva

    Address Stredná 33A, 82104 Bratislava - mestská časť Ružinov, Slovenská republika

  • Ing. Ruth MichalikováEnded
    PredstavenstvoSunday, November 2, 2025 – Monday, August 3, 2026

    Člen predstavenstva

    Address Na Kalvárii 3292/2, 81104 Bratislava - mestská časť Staré Mesto, Slovenská republika

  • Tomáš RevajEnded
    PredstavenstvoFriday, May 17, 2024 – Monday, August 3, 2026

    Predseda predstavenstva

    Address Tomášikova 50a, 83104 Bratislava - mestská časť Nové Mesto, Slovenská republika

  • Ing. Ruth MichalikováEnded
    PredstavenstvoSunday, November 1, 2020 – Monday, January 26, 2026

    Člen predstavenstva

    Address Na Kalvárii 2, 84103 Bratislava - mestská časť Lamač, Slovenská republika

  • Tomáš RevajEnded
    PredstavenstvoThursday, May 16, 2019 – Tuesday, June 25, 2024

    predseda predstavenstva

    Address Tomášikova 50a, 83104 Bratislava, Slovenská republika

  • JUDr. Branislav NikolíniEnded
    PredstavenstvoSaturday, December 1, 2018 – Monday, July 15, 2019

    predseda predstavenstva

    Address Pri tureckom kopci 777/11, 90046 Most pri Bratislave, Slovenská republika

  • Mgr. Martin JaníkEnded
    PredstavenstvoWednesday, August 1, 2018 – Monday, December 7, 2020

    člen predstavenstva

    Address Dovalovo 168, 03301 Liptovský Hrádok, Slovenská republika

  • Ing. Vladimír PotúčekEnded
    PredstavenstvoThursday, September 14, 2017 – Thursday, August 2, 2018

    člen predstavenstva

    Address Kaplinská 14, 83106 Bratislava, Slovenská republika

  • Katarína Rakyta-Komendáková, DiS.Ended
    PredstavenstvoThursday, September 14, 2017 – Monday, December 3, 2018

    predseda predstavenstva

    Address Krížna 4074/17, 81107 Bratislava, Slovenská republika

Related persons

4 active of 20
  • Ing. Juraj EbringerActive
    Člen dozorného orgánufrom Thursday, January 15, 2026

    Address Eisnerova 6968/6, 84107 Bratislava - mestská časť Devínska Nová Ves, Slovenská republika

  • Ing. Marcela VýbohováActive
    Člen dozorného orgánufrom Thursday, January 15, 2026

    Address Studenohorská 2061/19, 84103 Bratislava - mestská časť Lamač, Slovenská republika

  • 365.bank, a. s.Active
    Jediný akcionár a.s.from Friday, October 22, 2021

    Address Dvořákovo nábrežie 4, 81102 Bratislava, Slovenská republika

  • Ing. Peter HajkoActive
    Člen dozorného orgánufrom Wednesday, August 4, 2021

    Address Štefánikova 4649/25B, 90301 Senec, Slovenská republika

  • RNDr. Zuzana ŽemlováEnded
    Člen dozorného orgánuTuesday, August 9, 2022 – Thursday, February 12, 2026

    Address Stará Stupavská 4, 83106 Bratislava - mestská časť Nové Mesto, Slovenská republika

  • Ing. Andrej ZaťkoEnded
    Člen dozorného orgánuThursday, September 3, 2020 – Thursday, February 12, 2026

    Address Palisády 731/40, 81106 Bratislava - mestská časť Staré Mesto, Slovenská republika

  • RNDr. Zuzana ŽemlováEnded
    Člen dozorného orgánuWednesday, August 9, 2017 – Wednesday, October 5, 2022

    Address Stará Stupavská 4, 83106 Bratislava, Slovenská republika

  • Ing. Peter HajkoEnded
    Člen dozorného orgánuThursday, July 7, 2016 – Thursday, October 21, 2021

    Address Krížna 17, 81107 Bratislava, Slovenská republika

  • Ing. Andrej ZaťkoEnded
    Člen dozorného orgánuWednesday, September 2, 2015 – Friday, June 11, 2021

    Address Holubyho 1311/38, 81103 Bratislava - Staré mesto, Slovenská republika

  • Ing. Daniela PápaiováEnded
    Člen dozorného orgánuMonday, December 17, 2012 – Monday, September 4, 2017

    Address Záhradnícka 74, 82102 Bratislava, Slovenská republika

Company history

2 changes in the register

  • Names

    2 records
    • PB Finančné služby, a. s.from Wednesday, November 7, 2012
    • Auto Leas, a.s.Wednesday, August 1, 2001 – Tuesday, November 6, 2012

  • Registered office

    2 records
    • Hattalova 12, 83103 Bratislava, Slovenská republikafrom Monday, October 29, 2001
    • Grösslingova 45, 81109 Bratislava, Slovenská republikaWednesday, August 1, 2001 – Sunday, October 28, 2001

Registration

Registered in Business Register

Register
Obchodný register
Registration court
Mestský súd Bratislava III
Registration number
Sa/2772/B
Main activity
Prenájom a lízing automobilov a ľahkých motorových vozidiel
Sector (ESA 2010)
Nefinančné korporácie pod zahraničnou kontrolou
Tax registration
Active
VAT registration
Active

Legal facts

12 entries from the business register

  • Wednesday, May 7, 2014Rozhodnutie jediného akcionára zo dňa 22.04.2014.
  • Thursday, January 24, 2013Rozhodnutie jediného akcionára spoločnosti zo dňa 15.01.2013.
  • Friday, December 28, 2012Rozhodnutie jediného akcionára zo dňa 23.11.2012 vo forme notárskej zápisnice N1176/2012, Nz46101/2012, NCRIs46971/2012 a rozhodnutie jediného akcionára zo dňa 17.12.2012.
  • Wednesday, November 7, 2012Rozhodnutie jediného akcionára vo forme notárskej zápisnice č. N 1024/2012, Nz 39910/2012, NCRls 40690/2012 zo dňa 26.10.2012. Zmena obchodného mena z pôvodného Auto Leas, a.s. na nové PB Finančné služby, a. s.
  • Friday, September 7, 2012Rozhodnutie jediného akcionára zo dňa 27.08.2012.
  • Thursday, July 30, 2009Notárska zápisnica N 206/2009, Nz 21543/2009 zo dňa 25.06.2009 osvedčujúca priebeh valného zhromaždenia.
  • Saturday, July 28, 2007Notárska zápisnica N 164/2007 Nz 24794/2007 NCRls 24655/2007 osvedčujúca riadne valné zhromaždenie spoločnosti zo dňa 22.06.2007 - zvýšenie základného imania spoločnosti.
  • Wednesday, November 19, 2003Zápisnica z valného zhromaždenia zo dňa 27.10.2003. Mario Hoffmann, deň zániku funkcie člena dozornej rady: 27.10.2003. Mgr. Braňo Prieložný, deň zániku funkcie člena dozornej rady: 27.10.2003.
  • Tuesday, September 30, 2003Zánik funkcie člena predstavenstva Ing. Ľuboslava Elexu dňa 14.9.2002. Notárska zápisnica Nz 550/2002 zo dňa 16.12.2002 osvedčujúca priebeh riadneho valného zhromaždenia na ktorom bola schválená zmena stanov. Zápisnica zo zasadnutia dozornej rady zo dňa 17.12.2002.
  • Tuesday, March 5, 2002Zápisnica zo zasadnutia dozornej rady zo dňa 14.2.2002. Funkcia členov predstavenstva Ing. M.Seruga a Ing. S. Szokolaya sa končí dňom 14.2.2002.
  • Monday, October 29, 2001Zápisnica zo zasadnutia dozornej rady zo dňa 15.10.2001. Notárska zápisnica Nz 441/2001 zo dňa 23.10.2001 osvedčujúca priebeh mimoriadneho valného zhromaždenia a zmenu stanov spoločnosti. Zápisnica zo zasadnutia predstavenstva zo dňa 22.10.2001.
  • Wednesday, August 1, 2001Akciová spoločnosť bola založená zakladateľskou zmluvou dňa 25.07.2001 podľa § 172 Obchodného zákonníka rozhodnutím zakladateľov o založení spoločnosti formou notárskej zápisnice Nz 473/01.
PB Finančné služby, a. s.

Registered office

PB Finančné služby, a. s.

Hattalova 12, 83103 Bratislava

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