Intra-EU trade optimization

Money frozen in the office is a loss for your company

Trading with Germany, the Czech Republic, or the Netherlands is a chance for bigger profits but also massive bureaucracy. Simply put: most companies in Poland wait 60 days or more for a VAT refund on EU transactions. We change this process so that cash returns to your account within 24 business days. Since September 2016, we have conducted 427 such procedures for companies in the Łódź region. According to the letter of the law, we demonstrate to the office that your settlements are clean and do not require months of audits.

We count every penny on bank margins

If your company turns over more than 187,000 PLN per month, banks earn from you twice: on account maintenance and on the currency spread. With an average foreign turnover, you lose about 2,340 PLN per month just because the bank imposes its price for the euro or dollar. At Horyzont Finansowy, we implement settlement systems that reduce these costs by 74.8%. This is concrete results, not promises. We show in black and white where your money is escaping with every transfer to a contractor.

VIES verification and transaction security

• We check contractors in the VIES system within 47 minutes of reporting.
• We verify EU-VAT numbers to avoid tax office penalties for unconscious involvement in a VAT carousel.
• We correct errors in SAF-T (JPK_V7) declarations that block tax refunds.
• In 2024, we recovered a total of 4.72 million PLN of unduly withheld taxes for our clients.

Specific savings with Procedure 42

Many importers don't know that they can legally defer VAT payment when importing goods from outside the EU through ports in Germany or the Netherlands. We use Procedure 42 so you don't have to freeze cash at customs. For one of our clients, a parts wholesaler near Łódź, this shortened the cash turnover cycle by 19 days. Heads-up: this solution works best for regular deliveries worth over 43,000 PLN each.

Why act now?

Tax regulations change on average every 11 months. What worked a year ago might attract a tax audit today. Our team, led by Andrzej Kwiatkowski, monitors these changes daily. We aren't the cheapest on the market, but our audits usually pay for themselves in 3.2 months. If you want to stop financing the state with your free loans in the form of frozen VAT, it's time for an audit of your cash flows.

By the way, if your accountant claims it can't be done faster – we'd be happy to show her our settlement sheets from the last 14 months.