Kamil Kołodziejczyk

Owner and creator of TreasuryStream

I am an expert in currency risk, through years of work on the market I have developed the necessary skills and profits for clients. At the beginning of 2024 I received a diploma from the Warsaw Institute of Banking, that I am a certified bank dealer, as confirmation of my knowledge.

When talking to entrepreneurs, I often hear phrases like: "My margin is so high that I don't need it." - I would really like it to be like that, but as the beginning of the year has shown, exporters who did not hedge are in a much worse situation than those who did and now have record profits related to currency exchange.

There is also a common statement: "What if the rate rises above what I secure?" - This is called a lost profit. But are you sure? The first and most important thing: you have protected the margin and with great probability you have even earned extra. There is also the possibility of using another type of transaction. In addition, there is always the possibility of netting the contract, but personally I do not approve of this method, because you show yourself as an unreliable business partner.

I also heard: "I don't care, my accountant does that." - Let's keep in mind that when running a company, an accountant has so many responsibilities that taking care of such matters falls into the background. You have to look at exchange rates, but also at current events in the world and react appropriately to the situation. Does your accountant have time for this?

"I will hire such a person myself." - Ok, no problem, just let me know how much money someone like that will tell you. When you sign a contract with us, you don't pay little, that's true, but you can deduct it from your tax, due to the B2B form. You also gain our specialist knowledge. If you don't like our cooperation, we will terminate the contract without penalties for the first 3 months, if later, it's one additional invoice to pay. You pay all invoices once a month is fully passed.