GENERAL FACTORING, a.s.

Company financial profile・Company ID 35838825・Michalská 387/16, 811 01 Bratislava - mestská časť Staré Mesto・Founded 2002

Financial report Financial statements

Active

Turnover 2025

283 K €

−97 %

Company ID: 35838825
Tax ID: 2020262519
VAT ID: SK2020262519, under §4, registered since Wednesday, January 1, 2003

Registered office: GENERAL FACTORING, a.s.Michalská 387/16 811 01 Bratislava - mestská časť Staré Mesto
Established: Friday, June 21, 2002
Legal form: Akciová spoločnosť
Registered in: Obchodný registerMestský súd Bratislava III, Sa/2975/B

Profit 2025

−327 K €

+38 %Net profit after tax

Assets

4.16 M €

−28 %Total assets, stated excl. VAT

Equity

−4.54 M €

−7.8 %Assets less external liabilities

Debt ratio

209.1 %

+36 ppLiabilities / total assets

Gross margin

-1,286.5 %

+3,060 ppGross profit / sales

Coming soon

Andromia score

—

Profit

+38 %

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

Revenue

+170 %

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

Income tax

Tax liability trend

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

-115.6 %

−110 pp

Profit / revenue

Profit margin

-1,117.2 %

+3,745 pp

Profit / sales

ROA

-7.9 %

+1.2 pp

Return on assets

ROE

7.2 %

−5.3 pp

Return on equity

Return on costs

-53.6 %

−48 pp

Profit / (revenue − profit)

Added value to revenue

-133.1 %

−128 pp

Added value / revenue

Earnings before tax

−325 K €

+38 %

Profit + income tax

Effective tax

-0.6 %

+0.1 pp

Income tax / earnings before tax

Total revenue

Sales + other operating + financial income

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

Income statement

Item	2022	2023	2024	2025
Sales of products, services and goods	85 K €	36 K €	11 K €	29 K €
Value added	−456 K €	−481 K €	−471 K €	−377 K €
Operating revenue	1.45 M €	798 K €	9.69 M €	283 K €
Profit after tax	−2.09 M €	−2.39 M €	−527 K €	−327 K €
Income tax	26 K €	2,826 €	3,840 €	1,920 €
Current income tax	26 K €	2,826 €	3,840 €	1,920 €

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

Non-profit resources and costs

Item	2022	2023	2024	2025
Personnel costs	51 K €	41 K €	43 K €	49 K €

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

Assetsexcl. VAT

Non-current assets65 K €
Current assets4.09 M €
Accruals and deferrals3,194 €

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

Liabilities and equity

Equity−4.54 M €
Liabilities8.7 M €
Accruals and deferrals0 €

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

Balance sheet

Assets (excl. VAT)

Item	2022	2023	2024	2025
Total assets	14.41 M €	11.81 M €	5.78 M €	4.16 M €
Non-current assets	11.98 M €	9.71 M €	128 K €	65 K €
Property, plant and equipment	9.66 M €	9.61 M €	128 K €	65 K €
Non-current intangible assets	0 €	0 €	0 €	0 €
Non-current financial assets	2.32 M €	106 K €	33 €	33 €
Current assets	2.42 M €	2.1 M €	5.65 M €	4.09 M €
Inventory	0 €	105 €	139 €	85 €
Non-current receivables	430 €	430 €	430 €	500 €
Current receivables	2.39 M €	2.09 M €	5.62 M €	3.79 M €
Current financial assets	0 €	0 €	0 €	0 €
Financial accounts	29 K €	6,154 €	29 K €	305 K €
Accruals and deferrals	4,783 €	3,281 €	4,989 €	3,194 €

Liabilities and equity

Item	2022	2023	2024	2025
Total equity and liabilities	14.41 M €	11.81 M €	5.78 M €	4.16 M €
Equity	−1.29 M €	−3.67 M €	−4.21 M €	−4.54 M €
Share capital	1.03 M €	1.03 M €	1.03 M €	1.03 M €
Funds and other equity components	40 K €	40 K €	40 K €	37 K €
Profit/loss of previous years	−263 K €	−2.35 M €	−4.74 M €	−5.27 M €
Profit/loss for the accounting period after tax	−2.09 M €	−2.39 M €	−527 K €	−327 K €
Liabilities	15.69 M €	15.49 M €	10.0 M €	8.7 M €
Non-current liabilities	94 K €	50 K €	44 K €	25 K €
Current liabilities	15.6 M €	15.44 M €	9.95 M €	8.68 M €
Short-term financial assistance	0 €	0 €	0 €	0 €
Long-term bank loans	0 €	0 €	0 €	0 €
Short-term bank loans	0 €	0 €	0 €	0 €
Provisions	373 €	285 €	148 €	0 €
Accruals and deferrals	0 €	0 €	0 €	0 €

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 deductionLatest taxable period0526Excess deduction for the period2,530.47 €Tax liability for the period0 €Yes
Tax reliability indexReliable
Tax debtNo
State receivablesNo
State court receivablesNo
Debt with VšZPNo
Debt with UnionNo
Debt with Social Insurance AgencyNo

Central Register of Contracts

Contract count4

Total amount6,170 €

Counterparties2

Latest contractThursday, February 23, 2023

includes 1 record with amendments and cancelled contracts

Largest partners

View all

Obec Báb3×6,170 €Thursday, February 23, 2023
Sociálna poisťovňa, ústredie1×0 €Tuesday, September 11, 2018

Recent contracts

View all

Dohoda o financovaní zmien a doplnkov č.1 územného plánu obce Báb
Obec Báb3,975 €Thursday, February 23, 2023
Dohoda o dofinancovaní územného plánu obce Báb GRANT
Obec Báb1,195 €Tuesday, November 8, 2022
Dohoda o financovaní zmien a doplnkov č.1 územného plánu obce Báb
Obec Báb1,000 €Saturday, November 5, 2022
Dodatok č. 5 k mandátnej zmluve o správe vybratých pohľadávok Sociálnej poisťovne uzavretej podľa §566 a nasl. Obchodného zákonníka
Sociálna poisťovňa, ústredie0 €Tuesday, September 11, 2018
DODATOK č. 4 K MANDÁTNEJ ZMLUVE O SPRÁVE VYBRATÝCH POHĽADÁVOK SOCIÁLNEJ POISŤOVNE UZAVRETEJ PODĽA § 566 A NASL. OBCHODNÉHO ZÁKONNÍKA
Sociálna poisťovňa, ústredie0 €Wednesday, July 6, 2011

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

Public sector partner

Registered since

Saturday, July 29, 2017

Beneficial owners

Registration status

Deleted

Registration deleted Tuesday, April 14, 2020 (voluntarily)

Beneficial-owner verification valid (Monday, January 7, 2019)Verified by: Mgr. Peter Mešenec, BUKNA, advokátska kancelária, s.r.o.

Business activities

18 registered activities

poskytovanie spotrebiteľských úverov bez obmedzenia rozsahu poskytovania spotrebiteľských úverovValid from Wednesday, November 7, 2018
automatizované spracovanie dát,Valid from Friday, July 7, 2006
montáž a správa štrukturovanej kabeláže počítačových sietí,Valid from Friday, July 7, 2006
poradenská a konzultačná činnosť v oblasti výpočtovej techniky, vrátane systémovej údržby software,Valid from Friday, July 7, 2006
poskytovanie software - predaj hotových programov na základe zmluvy s autorom,Valid from Friday, July 7, 2006
vedenie účtovníctva,Valid from Friday, July 7, 2006
záznam a archivácia dát nearchívnej povahy na CD-ROM,Valid from Friday, July 7, 2006
organizovanie dobrovoľných dražieb,Valid from Thursday, March 27, 2003
činnosť organizačných a ekonomických poradcov,Valid from Friday, June 21, 2002
faktoring a forfaiting,Valid from Friday, June 21, 2002

Statutory bodies and related persons

Statutory body

2 active of 18

Boris JakešActive
Predstavenstvofrom Thursday, September 14, 2023
Predseda predstavenstva
Address Michalská 387/16, 81101 Bratislava - mestská časť Staré Mesto, Slovenská republika
Ing. Juraj NestarecActive
Predstavenstvofrom Thursday, September 14, 2023
Člen predstavenstva
Address Michalská 387/14, 81101 Bratislava - mestská časť Staré Mesto, Slovenská republika
Boris JakešEnded
PredstavenstvoThursday, September 13, 2018 – Friday, September 29, 2023
predseda predstavenstva
Address Michalská 16/387, 81101 Bratislava, Slovenská republika
Boris JakešEnded
PredstavenstvoThursday, September 13, 2018 – Wednesday, June 10, 2020
Address Michalská 16/387, 81101 Bratislava, Slovenská republika
Ing. Juraj NestarecEnded
PredstavenstvoThursday, September 13, 2018 – Friday, September 29, 2023
člen predstavenstva
Address Michalská 14/387, 81101 Bratislava, Slovenská republika
Ing. Juraj NestarecEnded
PredstavenstvoThursday, September 13, 2018 – Wednesday, June 10, 2020
Address Michalská 14/387, 81101 Bratislava, Slovenská republika
Ing. Katarína KrajčírováEnded
PredstavenstvoFriday, May 30, 2014 – Wednesday, July 30, 2014
člen predstavenstva
Address Kadnárová 57, 83151 Bratislava, Slovenská republika
Ing. Katarína KrajičkováEnded
PredstavenstvoFriday, May 30, 2014 – Monday, May 21, 2018
člen predstavenstva
Address Kadnárová 57, 83151 Bratislava, Slovenská republika
Boris JakešEnded
PredstavenstvoFriday, June 5, 2009 – Thursday, September 26, 2019
predseda predstavenstva
Address Michalská 16/387, 81101 Bratislava - Staré mesto, Slovenská republika
Ing. Juraj NestarecEnded
PredstavenstvoFriday, June 5, 2009 – Thursday, September 26, 2019
člen predstavenstva
Address Michalská 14/387, 81101 Bratislava - Staré Mesto, Slovenská republika

Related persons

3 active of 22

Ing. Igor ŠtumpfActive
Člen dozorného orgánufrom Wednesday, July 2, 2025
Address Slnečnicová ul. 974/4, 94504 Komárno, Slovenská republika
Zdeněk JakešActive
Člen dozorného orgánufrom Tuesday, July 1, 2025
Address Sídlisko Dušana Jurkoviča 422/15, 90613 Brezová pod Bradlom, Slovenská republika
Ing. Barbora ŽemličkováActive
Člen dozorného orgánufrom Saturday, October 1, 2016
Address Mladoboleslavská 1, 90201 Pezinok, Slovenská republika
Ing. Igor ŠtumpfEnded
Člen dozorného orgánuThursday, July 30, 2020 – Monday, July 7, 2025
Address Slnečnicova 974/4, 94501 Komárno, Slovenská republika
Ing. Jozef ŠtumpfEnded
Člen dozorného orgánuThursday, July 30, 2020 – Tuesday, January 16, 2024
Address Slnečnicova 974/4, 94501 Komárno, Slovenská republika
Mgr. Martin MichalkoEnded
Člen dozorného orgánuThursday, July 30, 2020 – Monday, April 8, 2024
Address Tbiliská 7627/13, 83106 Bratislava, Slovenská republika
Ing. Miroslav ŠtetiarEnded
Člen dozorného orgánuMonday, March 12, 2018 – Thursday, April 23, 2020
Address Okružná 153/52, 02204 Čadca, Slovenská republika
Jozef SchmidtEnded
Člen dozorného orgánuMonday, March 12, 2018 – Monday, October 12, 2020
Address Doľany 384, 90088 Doľany, Slovenská republika
Ing. Zuzana PraženkováEnded
Člen dozorného orgánuSaturday, October 1, 2016 – Thursday, March 22, 2018
Address Karloveská 30, 84105 Bratislava, Slovenská republika
Nina MajerčíkováEnded
Člen dozorného orgánuMonday, February 1, 2016 – Tuesday, October 11, 2016
Address Horný rad 27/557, 90613 Brezová pod Bradlom, Slovenská republika

Company history

4 changes in the register

Registered office
5 records
- Michalská 387/16, 81101 Bratislava - mestská časť Staré Mesto, Slovenská republikafrom Saturday, April 10, 2021
- Mostová 2, 81102 Bratislava - mestská časť Staré Mesto, Slovenská republikaThursday, January 11, 2018 – Friday, April 9, 2021
- Košická 56, 82108 Bratislava, Slovenská republikaThursday, August 2, 2007 – Wednesday, January 10, 2018
- Trnavská cesta 50/B, 82102 Bratislava, Slovenská republikaThursday, March 27, 2003 – Wednesday, August 1, 2007
- Dr. Vl. Clementisa 10, 82602 Bratislava, Slovenská republikaFriday, June 21, 2002 – Wednesday, March 26, 2003

Companies in which this company is a shareholder

Registration

Registered in Business Register

Register: Obchodný register
Registration court: Mestský súd Bratislava III
Registration number: Sa/2975/B
Main activity: Činnosti inkasných agentúr a posúdenie úveruschopnosti
Sector (ESA 2010): Národné súkromné nefinančné korporácie
Tax registration: Active
VAT registration: Active

Legal facts

12 entries from the business register

Friday, September 27, 2019Zápisnica z mimoriadneho valného zhromaždenia zo dňa 12.09.2018.
Thursday, January 5, 2017Zápisnica z mimoriadneho valného zhromaždenia spoločnosti zo dňa 28.12.2016.
Friday, March 11, 2016Zápisnica z mimoriadneho valného zhromaždenia zo dňa 31.01.2016
Wednesday, June 25, 2014Zápisnica z valného zhromaždenia zo dňa 29.05.2014.
Thursday, June 18, 2009Notárska zápisnica N 131/2009, Nz 19510/2009 zo dňa 10.6.2009.
Wednesday, January 28, 2009Notárska zápisnica č. N 14/2009, Nz 1315/2009, NCRls 1302/2009 zo dňa 19.01.2009.
Thursday, August 2, 2007Notárska zápisnica N 173/2007, Nz 27554/2007, NCRls 27436/2007 napísaná dňa 12.7.2007 osvedčujúca priebeh valného zhromaždenia konaného dňa 11.7.2007. Zápisnica zo zasadnutia predstavenstva zo dňa 11.7.2007.
Saturday, October 22, 2005Notárska zápisnica č.N 224/2005, Nz 48619/2005, NCRls 47991/2005 zo dňa 17.10.2005, osvedčujúca priebeh mimoriadneho valného zhromaždenia konaného dňa 30.09.2005, na ktorom bolo schválené zvýšenie základného imania a zmena stanov spoločnosti.
Wednesday, June 22, 2005Zápisnica z mimoriadneho valného zhromaždenia zo dňa 12.5.2005. Zánik funkcie člena dozornej rady JUDr. Ľuboša Nováka dňa 12.5.2005.
Friday, October 8, 2004Zápisnica z mimoriadneho valného zhromaždenia spoločnosti zo dňa 28.9.2004. Zánik funkcie člena dozornej rady Ing. Martina Kosterca dňa 28.9.2004.
Thursday, March 27, 2003Notárska zápisnica N 1168/02, Nz 1107/02 zo dňa 12.12.2002.
Friday, June 21, 2002Akciová spoločnosť bola založená bez výzvy na upisovanie akcií zakladateľskou zmluvou, zo dňa 14.6.2002 v zmysle ust. § 154-220 a Obchodného zákonníka č. 513/1991 Zb. v znení neskorších predpisov. Notárska zápisnica č. N 546/02, Nz 515/02 zo dňa 14.6.2002 osvedčujúca rozhodnutie zakladateľov o založení akciovej spoločnosti a stanovy v zmysle Zák. č. 513/1991 Zb. v znení neskorších predpisov.

GENERAL FACTORING, a.s.

Registered office

GENERAL FACTORING, a.s.

Michalská 387/16, 811 01 Bratislava - mestská časť Staré Mesto

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GENERAL FACTORING, a.s.

Profit

Revenue

Income tax

Financial indicators

Total revenue

Income statement

Non-profit resources and costs

Assetsexcl. VAT

Liabilities and equity

Balance sheet

Assets (excl. VAT)

Liabilities and equity

Company reliability

Central Register of Contracts

Largest partners

Recent contracts

Public sector partner

Business activities

Statutory bodies and related persons

Statutory body

Related persons

Company history

Registered office

Companies in which this company is a shareholder

Companies in which this company is a shareholder

Registration

Legal facts

Registered office

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Companies in which this company is a shareholder