{
 "as_of": "2026-11-06",
 "cmr": "pl-cm-kg/XWAR/PLKRK0000010",
 "fence": "The page is the record's research on the issuer — no analyst, no rating, no view.",
 "markdown": "The page is the record's research on the issuer — no analyst, no rating, no view.\n\n# KRUK (GPW Main Market: PLKRK0000010) — research page\n\nAs of 2026-11-06 · pl-cm-kg · record version 1\n\n## Identity and listing\n\nThe issuer is KRUK, listed on GPW Main Market under ticker PLKRK0000010, with ISIN PLKRK0000010 and LEI 259400T1FZYBIW8XUJ78. Its security type, segment, sector and jurisdiction are not on the record. Its listing status is listed, not halted.\n\n## The disclosure read\n\nThe record holds 59 filings in the window 2025-11-06 to 2026-11-06, across 52 filing days. The filings comprise 2 EBI Current, 53 ESPI Current, 3 ESPI Quarterly and 1 ESPI half years. The median gap between filing days is 5 days. The latest filing is an ESPI Current dated 2026-11-04, 2 days before the record date of 2026-11-06. On GPW Main Market the median filing count is 31.0, the median cadence gap is 8.0 days and the median latency is 10 days, across 436 issuers. The sector peer figures for this market are not on the record.\n\n## Auditor\n\nThe auditor of record and its location are not on the record. The market's record does not carry auditor changes.\n\n## Events and halts\n\nThe listing, delisting, name change, domicile change and segment move lines are not on the record, because no lifecycle type map exists for this register yet. The halt flag shows listed, not halted.\n\n## Orderability\n\nThe outcome is not determinable, because the chapter's orderability section carries no client categories. The rule version is acm-68000/pl/mifid-ii-product-governance/r1, and the chapter is as of 2026-11-04.\n\n## Coverage\n\nThe issuer's investor-relations page names 14 research houses: Bank Pekao BM, mBank, Trigon, Erste Group, ODDO BHF, DM BDM, DM PKO BP, Trigon DM, DM mBanku, Ipopema, J.P.Morgan, Vestor DM, Haitong and WOOD.\n\n## Open research\n\nThe record holds 1 openly published research note, by Bank Pekao BM, dated 2025-03-13.\n\n## Licensed\n\nLicensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.\n\n## As-of depth\n\nThe market's vintage is not sealed. No issuer years are sealed, the market's earliest sealed date is not on the record, and the live record began is not on the record.\n\n## Sources\n\n8 source pages are named on this page; every value above carries its own source page and read date in the numbers.\n\n- https://firds.esma.europa.eu/firds/ (identity.exchange)\n- https://mapping.gleif.org/api/v2/isin-lei/latest/download (identity.lei)\n- https://mcp.pl-cm-kg.ai/events/XWAR/PLKRK0000010 (the disclosure lines)\n- https://www.gpw.pl/zawieszenia-i-wykluczenia (the halt flag)\n- https://pl.eu-cm-kg.ai/book/aio.json (the orderability chapter)\n- https://en.kruk.eu/investor-relations/reports/analytical-reports (coverage)\n- https://en.kruk.eu/media/analyticreport/file/besi_report_250313.pdf (open research)\n- https://mcp.pl-cm-kg.ai/record/XWAR/PLKRK0000010 (the record)\n",
 "market": "PL",
 "node": "pl-cm-kg",
 "numbers": {
  "as_of_depth": {
   "issuer_years_sealed": [],
   "live_record_began": null,
   "node_history_from": null,
   "node_years_sealed": [],
   "note": "the PL vintage is not sealed; the record is the live record as of 2026-11-06",
   "record_version": 1,
   "sealed": false
  },
  "auditor": {
   "auditor": {
    "market": "PL",
    "state": "not_on_record"
   },
   "auditor_firm_id": {
    "market": "PL",
    "state": "not_on_record"
   },
   "auditor_location": {
    "market": "PL",
    "state": "not_on_record"
   },
   "changes": {
    "market": "PL",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   }
  },
  "cmr": "pl-cm-kg/XWAR/PLKRK0000010",
  "coverage": {
   "count": 14,
   "houses": [
    {
     "house": "Bank Pekao BM",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "mBank",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "Trigon",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "Erste Group",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "ODDO BHF",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "DM BDM",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "DM PKO BP",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "Trigon DM",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "DM mBanku",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "Ipopema",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "J.P.Morgan",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "Vestor DM",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "Haitong",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    },
    {
     "house": "WOOD",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "state": "sourced"
    }
   ],
   "pages_checked": [
    {
     "page": "https://en.kruk.eu/investor-relations/reports/analytical-reports",
     "result": "read: 14 of 16 named houses found on the page"
    }
   ],
   "read_by": "Perplexity sonar (search) · page read by this rail",
   "read_date": "2026-11-12",
   "since": "not stated on the page read",
   "state": "found"
  },
  "disclosure": {
   "against": {
    "exchange": {
     "issuers": 436,
     "median_cadence_gap_days": 8,
     "median_filings": 31,
     "median_latency_days": 10,
     "name": "GPW Main Market"
    },
    "sector": {
     "market": "PL",
     "state": "not_on_record"
    }
   },
   "by_type": {
    "EBI Current": 2,
    "ESPI Current": 53,
    "ESPI Quarterly": 3,
    "ESPI half years": 1
   },
   "cadence_median_gap_days": 5,
   "filing_days": 52,
   "filings": 59,
   "latency_days": 2,
   "latest": [
    {
     "category": "ESPI Current",
     "date": "2026-11-04",
     "source": "https://www.gpw.pl/espi-ebi-report?geru_id=499985&title=Informacja+o+transakcjach+na+akcjach+KRUK+S.A.",
     "title": "Informacja o transakcjach na akcjach KRUK S.A.",
     "type": "ESPI Current"
    },
    {
     "category": "ESPI Current",
     "date": "2026-10-29",
     "source": "https://www.gpw.pl/espi-ebi-report?geru_id=499673&title=Informacja+w+sprawie+utrzymania+oceny+przez+agencj%C4%99+ratingow%C4%85+Moody%27s",
     "title": "Informacja w sprawie utrzymania oceny przez agencję ratingową Moody's",
     "type": "ESPI Current"
    },
    {
     "category": "ESPI Quarterly",
     "date": "2026-10-27",
     "source": "https://www.gpw.pl/espi-ebi-report?geru_id=499488",
     "title": null,
     "type": "ESPI Quarterly"
    },
    {
     "category": "ESPI Current",
     "date": "2026-10-22",
     "source": "https://www.gpw.pl/espi-ebi-report?geru_id=499243&title=Zawarcie+aneksu+do+umowy+konsorcjalnego+kredytu+rewolwingowego",
     "title": "Zawarcie aneksu do umowy konsorcjalnego kredytu rewolwingowego",
     "type": "ESPI Current"
    },
    {
     "category": "ESPI Current",
     "date": "2026-10-16",
     "source": "https://www.gpw.pl/espi-ebi-report?geru_id=499017&title=Informacja+o+wst%C4%99pnym+szacunkowym+wyniku+finansowym+Grupy+KRUK+za+III+kwarta%C5%82+2026",
     "title": "Informacja o wstępnym szacunkowym wyniku finansowym Grupy KRUK za III kwartał 2026",
     "type": "ESPI Current"
    }
   ],
   "latest_filing_date": "2026-11-04",
   "read": "the node's event lines (list_events_since), as get_filings serves them",
   "source": "https://mcp.pl-cm-kg.ai/events/XWAR/PLKRK0000010",
   "window": {
    "from": "2025-11-06",
    "to": "2026-11-06"
   }
  },
  "identity": {
   "exchange": {
    "read_by": "ESMA FIRDS full equity files 2026-11-07 (registers.esma.europa.eu Solr file index (esma_registers_firds_files)); CFI ES*, MIC in ['XNCO', 'XWAR'], no termination date",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/",
    "state": "sourced",
    "value": "GPW Main Market"
   },
   "isin": {
    "read_by": "ESMA FIRDS full equity files 2026-11-07 (registers.esma.europa.eu Solr file index (esma_registers_firds_files)); CFI ES*, MIC in ['XNCO', 'XWAR'], no termination date",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/",
    "state": "sourced",
    "value": "PLKRK0000010"
   },
   "jurisdiction": {
    "market": "PL",
    "state": "not_on_record"
   },
   "lei": {
    "read_by": "GLEIF ISIN-to-LEI mapping file (daily), LEI by exact ISIN",
    "read_date": "2026-11-09",
    "read_date_basis": "the field",
    "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download (ISIN PLKRK0000010)",
    "state": "sourced",
    "value": "259400T1FZYBIW8XUJ78"
   },
   "name": {
    "read_by": "ESMA FIRDS full equity files 2026-11-07 (registers.esma.europa.eu Solr file index (esma_registers_firds_files)); CFI ES*, MIC in ['XNCO', 'XWAR'], no termination date",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/",
    "state": "sourced",
    "value": "KRUK"
   },
   "sector": {
    "market": "PL",
    "state": "not_on_record"
   },
   "security_type": {
    "market": "PL",
    "state": "not_on_record"
   },
   "segment": {
    "market": "PL",
    "state": "not_on_record"
   },
   "ticker": {
    "read_by": "ESMA FIRDS full equity files 2026-11-07 (registers.esma.europa.eu Solr file index (esma_registers_firds_files)); CFI ES*, MIC in ['XNCO', 'XWAR'], no termination date",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/",
    "state": "sourced",
    "value": "PLKRK0000010"
   },
   "website": {
    "market": "PL",
    "state": "not_on_record"
   }
  },
  "licensed": {
   "columns": [
    "licensor",
    "entitlement",
    "title",
    "date",
    "source"
   ],
   "rows": [],
   "rule": "A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded."
  },
  "lifecycle": {
   "delisting": {
    "market": "PL",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "domicile_change": {
    "market": "PL",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "listing": {
    "market": "PL",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "name_change": {
    "market": "PL",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "segment_move": {
    "market": "PL",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   }
  },
  "market": "PL",
  "node": "pl-cm-kg",
  "numbers_hash": "sha256:6ecf63a5048283d7ba0eab75d1cf96a71c682e0b91e93a91a93d32879a497b22",
  "open_research": {
   "read_date": "2026-11-12",
   "rows": [
    {
     "date": "2025-03-13",
     "kind": "independent",
     "publisher": "Bank Pekao BM",
     "read_by": "the note's link answers (200 application/pdf); a document, not read as text",
     "read_date": "2026-11-12",
     "source": "https://en.kruk.eu/media/analyticreport/file/besi_report_250313.pdf",
     "state": "sourced",
     "title": "Bright spots among the gloom"
    }
   ],
   "state": "found"
  },
  "orderability": {
   "chapter_as_of": "2026-11-04",
   "client_categories": [],
   "determinable": false,
   "read": {
    "chapter": "https://pl.eu-cm-kg.ai/book/aio.json",
    "door": "https://pl.eu-cm-kg.ai/mcp",
    "tool": "get_orderability"
   },
   "reason": "the chapter's orderability section carries no client_categories: the outcome cannot name its client category",
   "rule_version": "acm-68000/pl/mifid-ii-product-governance/r1",
   "section": "pl.aio.v5"
  },
  "record": {
   "as_of": "2026-11-06",
   "url": "https://mcp.pl-cm-kg.ai/record/XWAR/PLKRK0000010",
   "version": 1
  },
  "schema": "research-numbers v0.1 (USR-01, 2026-11-11)",
  "status": {
   "read_date": "2026-11-09",
   "source": "https://www.gpw.pl/zawieszenia-i-wykluczenia",
   "value": "listed, not halted"
  }
 },
 "numbers_hash": "sha256:6ecf63a5048283d7ba0eab75d1cf96a71c682e0b91e93a91a93d32879a497b22",
 "path": "/pl/XWAR/PLKRK0000010",
 "schema": "research-page v0.1 (USR-02, 2026-11-11)",
 "sections": [
  {
   "id": "identity",
   "text": "The issuer is KRUK, listed on GPW Main Market under ticker PLKRK0000010, with ISIN PLKRK0000010 and LEI 259400T1FZYBIW8XUJ78. Its security type, segment, sector and jurisdiction are not on the record. Its listing status is listed, not halted.",
   "title": "Identity and listing"
  },
  {
   "id": "disclosure",
   "text": "The record holds 59 filings in the window 2025-11-06 to 2026-11-06, across 52 filing days. The filings comprise 2 EBI Current, 53 ESPI Current, 3 ESPI Quarterly and 1 ESPI half years. The median gap between filing days is 5 days. The latest filing is an ESPI Current dated 2026-11-04, 2 days before the record date of 2026-11-06. On GPW Main Market the median filing count is 31.0, the median cadence gap is 8.0 days and the median latency is 10 days, across 436 issuers. The sector peer figures for this market are not on the record.",
   "title": "The disclosure read"
  },
  {
   "id": "auditor",
   "text": "The auditor of record and its location are not on the record. The market's record does not carry auditor changes.",
   "title": "Auditor"
  },
  {
   "id": "events",
   "text": "The listing, delisting, name change, domicile change and segment move lines are not on the record, because no lifecycle type map exists for this register yet. The halt flag shows listed, not halted.",
   "title": "Events and halts"
  },
  {
   "id": "orderability",
   "text": "The outcome is not determinable, because the chapter's orderability section carries no client categories. The rule version is acm-68000/pl/mifid-ii-product-governance/r1, and the chapter is as of 2026-11-04.",
   "title": "Orderability"
  },
  {
   "id": "coverage",
   "text": "The issuer's investor-relations page names 14 research houses: Bank Pekao BM, mBank, Trigon, Erste Group, ODDO BHF, DM BDM, DM PKO BP, Trigon DM, DM mBanku, Ipopema, J.P.Morgan, Vestor DM, Haitong and WOOD.",
   "title": "Coverage"
  },
  {
   "id": "open_research",
   "text": "The record holds 1 openly published research note, by Bank Pekao BM, dated 2025-03-13.",
   "title": "Open research"
  },
  {
   "id": "licensed",
   "text": "Licensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.",
   "title": "Licensed"
  },
  {
   "id": "depth",
   "text": "The market's vintage is not sealed. No issuer years are sealed, the market's earliest sealed date is not on the record, and the live record began is not on the record.",
   "title": "As-of depth"
  },
  {
   "id": "sources",
   "text": "8 source pages are named on this page; every value above carries its own source page and read date in the numbers.",
   "title": "Sources"
  }
 ],
 "sources": [
  {
   "for": "identity.exchange",
   "source": "https://firds.esma.europa.eu/firds/"
  },
  {
   "for": "identity.lei",
   "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download"
  },
  {
   "for": "the disclosure lines",
   "source": "https://mcp.pl-cm-kg.ai/events/XWAR/PLKRK0000010"
  },
  {
   "for": "the halt flag",
   "source": "https://www.gpw.pl/zawieszenia-i-wykluczenia"
  },
  {
   "for": "the orderability chapter",
   "source": "https://pl.eu-cm-kg.ai/book/aio.json"
  },
  {
   "for": "coverage",
   "source": "https://en.kruk.eu/investor-relations/reports/analytical-reports"
  },
  {
   "for": "open research",
   "source": "https://en.kruk.eu/media/analyticreport/file/besi_report_250313.pdf"
  },
  {
   "for": "the record",
   "source": "https://mcp.pl-cm-kg.ai/record/XWAR/PLKRK0000010"
  }
 ],
 "title": "KRUK (PLKRK0000010) — research page",
 "writer": {
  "by": "Claude through the platform account, Haiku class; one pass; checked against the numbers",
  "engine": "claude-haiku-5-5"
 }
}