A Certificate of No Debt (Zaświadczenie o braku zaległości) is an official document confirming that an individual or a company has no outstanding financial obligations to the Polish governmental authorities.
This document is often required for various legal, administrative, and business processes. In this article, we will explain in detail what the Certificate of No Debt is, who needs it, and how to obtain it.

What is a Certificate of No Debt?

The Certificate of No Debt confirms that:

● An individual or company has no outstanding tax debts with the Tax Office (Urząd Skarbowy).
● An employer or self-employed individual has no overdue contributions to the Social Insurance Institution (ZUS).

This document is essential for verifying financial reliability and compliance with tax and social obligations.

Who Needs a Certificate of No Debt and Why?

1. For Businesses

● Participation in public tenders.
● Securing loans or leases.
● Registering new companies or making changes to existing legal entities.
● Engaging in business with international partners who require proof of financial compliance.

2. For Individuals

● Applying for a mortgage or other types of loans.
● Obtaining work permits or residence permits.
● Participating in legal procedures where proof of no debt to the state is required.

A Certificate of No Debt in Poland is a crucial document for many legal and financial procedures. Whether you are an individual, an entrepreneur, or a legal entity, obtaining this certificate promptly can help you avoid delays and complications. 
If you need assistance, contact us—we guarantee efficient and professional support at every step!

Types of Certificates of No Debt

1. Certificate from the Tax Office (Urząd Skarbowy):

● Confirms no outstanding tax liabilities.
● Issued to both individuals and legal entities.

2. Certificate from the Social Insurance Institution (ZUS):

● Confirms no overdue contributions to ZUS for employers or entrepreneurs.

How to Obtain a Certificate of No Debt in Poland?

1. Certificate from the Tax Office

Where to Request:

● At the local Tax Office (Urząd Skarbowy) where you are registered as a taxpayer.
● Through the online platform e-Urząd Skarbowy.

Required Documents:

● Completed application form (available on the Tax Office’s website).
● Identity document (passport, residence card).
● Power of attorney (if submitted by a representative).

Processing Time and Cost:

● Standard processing time: 7 business days.
● Cost: 21 PLN (payment must be made before submitting the application).

2. Certificate from ZUS

Where to Request:

● At the local ZUS office.
● Through the online platform PUE ZUS.

Required Documents:

● Completed application form.
● Identification details of the employer or entrepreneur (NIP, REGON).
● Passport or residence card (for individuals).

Processing Time and Cost:

● Typically issued within 7-10 business days.
● ZUS certificates are free of charge.

Frequently Asked Questions

1. Can I request the certificate remotely?Yes, both the Tax Office and ZUS allow applications to be submitted through their online systems.
2. How long is the certificate valid?The validity period is usually 30 days. However, this may vary depending on the requirements of the specific institution or process.
3. Can I request a certificate for past periods?Yes, you can specify the period for which the certificate is required when submitting your application.

How Can We Help?

Our company provides professional assistance in obtaining Certificates of No Debt:

● Consultations on document preparation.
● Completing applications and submitting them to the Tax Office or ZUS.
● Guiding you through the process in case of additional checks.
● Translating and legalizing certificates for use abroad.

We ensure a quick and hassle-free process to obtain the document you need.