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PICM Associate (PICMa)

/PICM Associate (PICMa)

Why membership PICM Associate (PICMa)?

The Polish Institute of Credit Management (PICM) has been supporting trade credit and trade receivables managers for several years. Become a member of a community of highly qualified professionals and develop your competences!


Credit Manager’s Zone

As part of PICM Associate, you get access to a virtual Credit Manager Zone with a wide range of real practical support. We are constantly working on extending the offer for PICM Associate (PICMa) members!

How to join?

It’s easy! Click here, register on the PICM portal and you are ready to use!


The first year of PICM membership is free!
The next year is PLN 500 per person


PICM membership gives you complete flexibility – you can cancel at any time



Use the tool that provides the information necessary to monitor the financial condition of contractors on the basis of their eReports submitted to the National Court Register. An alternative to traditional commercial reports from economic intelligence agencies.


E-learning is an increasingly popular form of education that can be done from anywhere we are. You can learn comfortably without leaving your home using the available electronic training materials.

Networking Online

PICM is a social networking site creating a network of contacts for trade credit managers. Share your thoughts and see what others think! Like or comment! Send messages and exchange information!

PICMa membership certificate

The PICM Associate Membership Certificate (PICMa) confirms your membership in the European credit management community. Demonstrate your professionalism, continuous professional development and commitment to work!

PICM Webinars

PICM webinars are an excellent complement to traditional training courses and CREDIT CLUB PICM meetings, and their availability in the presentation “on request” means that participants have free access to the transmitted content and can play it any number of times.

Credit Manager Magazine

Full paper edition free of charge of Credit Manager Magazine quarterly. The most important trends of the Polish and world economy that help minimize the costs of bad debts.

International networking

Opportunity to establish professional contacts, exchange experiences and information with Credit Managers in Europe and in the world, through the structures of the European Federation of Credit Management Organizations (FECMA).


The subject of credit management is not only financial analysis. From now on you have access to full knowledge in one place. The constantly expanded library of books and articles is an interesting reading available only in the Credit Manager Zone.

PICM Risk Index ©

The PICM Risk Index © calculation takes into account the diagnosis of the current and forecast situation of the enterprise, as well as significant barriers to business activity. This is just one of the useful indicators available.


Practical and clear calculators that are helpful in everyday work. Calculate your credit limit or one of the discriminant models. Use online or switch on a suitable calculator for your calculations. Check – we have a lot more there!

Acronym PICMa

Stand out on the labor market, confirm your competences and show professional qualifications by adding the letters PICMa to your name confirming your membership in PICM. It is the only confirmation of professional qualifications on the Polish market.

PICM offline events

The CREDIT CLUB PICM seminars or the Credit Risk conference are a presentation of the latest trends and practices in trade credit management. PICM stationary events are available for PICM with a special attractive discount.

Discriminant models

Here you will find Polish bankruptcy models in the form of a discriminant function used to predict bankruptcy of enterprises. Check their suitability in your business practice!


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