Tourism is catching its breath before the holidays. Fewer indebted companies

The total debt of the hotel industry is PLN 842.4 million and is systematically decreasing; at the end of November 2025 it decreased by 7%. compared to the previous year – according to the BIG InfoMonitor report published on Tuesday.

“The ongoing winter holiday season is traditionally a time of increased traffic in tourist and ski resorts. For many companies, this is a key moment of the year, determining financial results and liquidity. Current data shows that the industry is entering this intense period with a clearly better financial condition than a few years ago, although the reconstruction process was not without challenges,” the authors of the report said.

In their opinion, the latest data from the end of November 2025 “confirm a more visible improvement, because the value of arrears decreased to PLN 842.4 million and the number of indebted facilities dropped to 954. At the end of November 2023, the overdue debt of hotels amounted to PLN 938.2 million, and a year later – PLN 905.1 million (but the number of indebted entities increased – from 888 to 989 companies).

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However, the percentage of companies that have difficulties with settling their liabilities on time is still around 8 – 7.5 percent. all enterprises. In the entire economy it is at the level of 5 – 4.5 percent.

As also indicated, in regions related to winter tourism, such as the Silesian and Lower Silesian voivodeships, the total debt of the tourism sector is PLN 92.5 million (77 companies) and PLN 84.2 million (135 companies), respectively. In Małopolska and Podkarpacie, the debt of ski resorts and hotels is lower, amounting to PLN 37.3 million (93 companies) and PLN 18.7 million (45 companies), respectively.

“Although the percentage of companies with arrears in Podkarpacie remains relatively high – 9.9 percent, there is a clear improvement compared to previous years. These data show that even in regions affected by financial challenges, the tourism industry is consistently rebuilding stability, preparing for increased traffic during the winter holidays,” the report noted.

According to the latest data, in the travel agent industry, i.e. travel agencies and intermediaries, the total debt is PLN 71.7 million, and the number of entities with arrears – 801. The authors of the publication noted that this means a decrease compared to 2024, when the number of agencies with overdue liabilities increased to 900 compared to 812 in 2023. In 2024, the value of the debt was PLN 74.3 million, and in 2023 yr – PLN 78.9 million.

According to the BIG InfoMonitor study also described in the report, every third respondent plans to save money for “worse times” this year, 30 percent. is planning a tripand 26 percent no plans yet. Moreover, 21 percent Poles plan to save a higher amount than last year, and 23 percent intends to achieve this by reducing everyday expenses.

“Among people who have already decided to save, the percentage of people planning to increase their reserves ranges from 27 to 29 percent. As a result, for many households, decisions regarding winter trips are becoming a real challenge. Vacations and short tourist trips are increasingly perceived as an element that can be given up in order to build a financial safety cushion,” the authors point out.

The study also shows that 42 percent respondents predict that their financial situation will not change in 2026. According to the main analyst of BIG InfoMonitor, Waldemar Rogowski, quoted in the publication, there is no expected improvement in the financial situation this year. makes Poles plan their holidays more carefully, and for most, building financial security is a priority.

The study “Financial plans of Poles for 2026” was conducted for BIG InfoMonitor by Keralla Research among 1,040 people in December 2025.

BIG InfoMonitor is part of the BIK Group; it includes the Credit Information Bureau SA and the Economic Information Bureau InfoMonitor SA and Digital Fingerprints SA (PAP)

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