Tomasz runs a six-person IT services firm in Wrocław. A municipal government client needs forty laptops deployed next month, configured with specific software, integrated with existing systems, and supported under a three-year warranty. Tomasz has the client relationship but not €48,000 in cash, not a procurement team, and not a warehouse.
The Certainty Economy: SME Structure
The Services That Matter Most
Where the Goods Come From
Geography as Inventory Strategy
Two Million Small Businesses
Trust & Tech Gap: Buyer Segmentation
What Small Buyers Actually Care About
The Profitability Gap: Channel P&L
"The laptops were a transaction. The support infrastructure was a relationship. That distinction explains the entire business model."
The Spreadsheet That Changed the Decision
Adoption Divergence
Neither Digital Nor Traditional
Digital Adoption Gap
The Technician Who Could Finally Explain It
Cash Position Ranking
When the Bank Said No
The Phone Call That Saved the Contract
Key Milestones
Micro-SME Resilience
Polish micro-firms show lowest bankruptcy rate in CEE during post-pandemic recovery.
Port of Gdańsk
Reaches record throughput, becoming the fastest-growing port in the Baltic Sea.
KSeF E-Invoicing Mandate
Poland mandates B2B e-invoicing via KSeF from February 2026, forcing digital transformation across 2+ million businesses.
Sources & References
- International Monetary FundRepublic of Poland – At a Glance (July 2025 WEO Update)↗
- European CommissionSME Country Fact Sheet: Poland (2025)↗
- Statistics Poland (GUS)Information society in Poland 2024↗
- World BankLogistics Performance Index (LPI) 2023↗
- Actia ForumPolish seaports in 2024: Summary and future outlook
- Notes From PolandGdańsk port growth and EU ranking
- Mordor IntelligencePoland Third Party Logistics Market↗
- Business Research CompanyEurope 3PL Market Size↗
- KPMG PolandInvestment in Poland 2024↗
- SavillsPoland Nearshoring Index 2024 (ranked 3rd globally)↗
- Polish Ministry of FinanceKSeF E-Invoicing Mandate (mandatory from February 2026)↗
- European CommissionEU Critical Raw Materials Act 2024↗
- EurostatEnterprise statistics by size class - Poland (Micro 95.8%, Small 2.5%)↗
- GUS (Statistics Poland)Activity of non-financial enterprises in Poland 2024