Invest Komfort Finance: corporate bonds on Catalyst
Invest Komfort Finance has 1 bond series listed on Catalyst with an issue value of PLN 100m. Next maturity: INV0928, PLN 100m, 25 September 2028.
Key figures
2025 annual report (gpwcatalyst.pl) · as at 11 Nov 2026and 1 more
- negative operating cash flow in 2024
Not shown yet: net debt / EBITDA. We only show figures verified against the company’s report, and these have not been confirmed yet.
Data on series and maturity dates come from GPW Catalyst; sources of the other figures are given in the tabs. This page describes the company’s data and is not an investment recommendation.
Invest Komfort Finance is a special purpose vehicle based in Gdynia that issues bonds on Catalyst and lends the proceeds to other companies of the Invest Komfort Group, a developer of premium flats in the Tricity. The company has no employees, and repayment of the bonds is guaranteed by its sole shareholder, Invest Komfort S.A. sp.k.
Financial results
PLN million, standalone figures; figures from the company’s reports. A dash (–) means the figure is not in our database.
| Item | 2023 | 2024 | 2025 | 6M 2026 |
|---|---|---|---|---|
| Revenue | – | 0.00* | 0.00* | 0.00* |
| Operating profit (EBIT) | −0.05 | −0.08 | −0.10 | −0.04* |
| Net profit | 0.32p | 0.20 | 0.13 | 0.20 |
| Total assets | 43.7p | 44.1 | 102.7 | 103.0 |
| Equity | 1.54p | 1.74 | 1.87 | 2.07 |
| Total liabilities | 42.2p | 42.3 | 100.8 | 101.0 |
| Cash and cash equivalents | 0.09 | 0.01 | 0.25 | 0.23 |
* Figure matches the company document (annual report for 2024; company data (cms.investkomfort.pl); half-year report for H1 2026) but has not yet been confirmed by a later report.
p Figure taken from the comparative column of a later company document (2023: annual report for 2024). The company may have restated the earlier period, for example after a change in accounting policies.
Sources: annual report for 2024, company data (cms.investkomfort.pl), half-year report for H1 2026, annual report for 2025.
Debt and repayment capacity
Ratios based on annual reports (standalone), using only figures verified against the company’s filings. A dash (–) means the figure is not available; a negative interest cover means an operating loss.
| Ratio | 2023 | 2024 | 2025 |
|---|---|---|---|
| Interest cover (how many times operating profit covers interest expense) | −0.01× (EBITDA) | −0.02× (EBITDA) | – |
| Equity / total assets (share of assets financed by equity) | 3.5% | 4.0% | 1.8% |
| Operating cash flow − capital expenditure (PLN million, cash from operations after investment) | −0.3 | −0.1 | – |
Sources: 2023 annual report, 2025 annual report, 2025 annual report (2).
Bonds on Catalyst
| Series | Maturity | Interest rate | Rate type | Margin | Security | Yield to maturity |
|---|---|---|---|---|---|---|
| INV0928 | 25 Sep 2028 | 6.64% | Floating (6M WIBOR) | +2.75 pp | Guaranteed | 6.57% |
Series codes link to the series pages in Polish. Yield to maturity is calculated by the Polish brokerage DM BDM, before tax and commissions; for floating-rate bonds it assumes the reference rate (WIBOR or EURIBOR) stays at its current level. “No quote” means no recent price.
Questions about Invest Komfort Finance bonds
How many Invest Komfort Finance bond series are listed on Catalyst?
Invest Komfort Finance has one bond series listed on Catalyst, with a nominal value of PLN 100 million. It matures on 25 September 2028.
When does the next Invest Komfort Finance bond mature?
The next maturity is series INV0928 on 25 September 2028 (nominal value PLN 100 million). An early redemption at the issuer’s request can change these dates.
How is the interest on Invest Komfort Finance bonds set?
The series pays a floating rate: 6M WIBOR plus a margin of 2.75 percentage points. The coupon changes with the reference rate in each interest period, while the margin stays the same until maturity.
Are Invest Komfort Finance bonds secured?
Security by number of series: guaranteed: 1. Secured or guaranteed series give bondholders an additional source of repayment if the issuer cannot pay.
Source: our database of Catalyst series, terms and conditions of the bonds and company announcements.
Our full analysis, financial results and news on Invest Komfort Finance are on the Polish-language issuer page.
This material is for information purposes only and does not constitute investment advice.