BE-ON

BE-ON Savjetovanje d.o.o. is a Croatian financial advisory firm established on June 7, 2016, that specializes in assisting citizens facing financial difficulties. The company was co-founded by spouses Igor Škrgatić and Sabine Gradištanac Škrgatić, who both serve as directors. Igor Škrgatić's background includes a degree in Mechanical Engineering and Shipbuilding, a postgraduate specialization in Organization and Management, and a 15-year career in banking and finance, holding positions such as Project Manager at Privredna banka Zagreb and a board member at Triglav osiguranje. This extensive experience in the financial sector, coupled with his academic work on the causes of citizen over-indebtedness, directly informs the company's mission. Sabine Gradištanac Škrgatić also serves as a director, contributing to the firm's leadership.

The firm operates in the Croatian market, targeting individuals who are over-indebted, have their bank accounts blocked, or are at risk of such a situation. Its core service is to restructure and reprogram clients' total debts. The process begins with a free initial analysis to assess a client's eligibility, which requires them to have a regular income or pension. If deemed eligible, BE-ON gathers all necessary financial documentation, contacts the client's creditors to negotiate debt settlements, and provides bridge financing with its own funds to pay off these creditors and unblock the client's account. Following this, the firm leverages its established relationships with over 20 banks to secure a new consolidation loan for the client under more favorable terms.

BE-ON's business model is performance-based, meaning the company only charges a fee after successfully completing the debt restructuring process. This fee is discounted by 10% for members of the Nezavisni sindikat znanosti i visokog obrazovanja (Independent Union of Research and Higher Education). The company is a licensed consumer credit intermediary, certified by the Croatian Ministry of Finance. In late 2021, the Feelsgood Social Impact investment fund became a co-owner, underscoring the firm's focus on projects with a measurable social impact. For the fiscal year 2024, the company reported total revenues of €942,358 and a net profit of €244,404, with a team of 10-11 employees.

Keywords: financial consulting, debt restructuring, personal finance, debt consolidation, over-indebtedness solutions, loan reprogramming, financial advisory Croatia, blocked bank accounts, credit counseling, debt management, consumer credit mediation, financial recovery, personal debt, bridge financing, loan negotiation, creditor negotiation, financial distress, debt settlement, credit rehabilitation, social impact investing