Success requires trust

About us

Debt Collection Agency EAD (DCA) is a dynamically growing company with extensive experience in the purchase and management of non-performing loans in Bulgaria.
The company is registered as a financial institution with the Bulgarian National Bank and is a member of the Receivables Management Association.
In its activities DCA applies all legal requirements and observes high standards and ethical norms. We aim to be synonymous with professionalism, trust, responsibility, balance and solution.


We strive to gain new knowledge and grow. We develop constantly, adapt fast and effectively to the changing surroundings and the needs of our partners. We focus on solutions, not problems.


We adhere to the highest ethical norms and aim to do the right thing in all situations. We stand up for what we believe is right and speak out when we see violations. We are honest, accountable and dedicated even when faced with challenges. Integrity is the foundation on which we build trust with partners and clients.


We believe that differences, inclusion, and diversity in terms of culture and work environment are assets. We value and respect people with different backgrounds and experience. We create a company culture where everyone is welcome.


We always do our best and encourage our colleagues to do the same. We manage change and challenge ourselves constantly in search of the best solutions. Technology and digitalization are our priority, we aim to increase efficiency and promote innovation.


We are committed to society. We follow the rules. We are responsible for our actions.



Establishment of Debt Collection Agency EAD (DCA) in Bulgaria


Listed as a financial institution in the register of BNB


Establishment of Debt Collection Agency Srl (DCA) in Romania


Norwegian B2Holding acquires DCA Bulgaria and DCA Romania


DCA becomes market leader (in terms of assets) among the debt purchasing companies


DCA doubles its assets and asserts its leading position on the debt purchasing market


Building a self-service platform for clients with payment functionality


Integrating chat functionalities, rescheduling applications through the online platform for people affected by COVID-19, online request for certificates for current debt and repaid debt


Automation of internal processes, integration of the first robot


Yulia Yurgakieva

CEO and Member of the Board of Directors

Joined the company in 2013 as Head of “Legal collection” department and developed it to a division of nearly 100 employees. Over the years, Yulia has taken an active part in the management of legal collection processes in the subsidiary of DCA in Romania. Afterwards she held the position Director of “Corporate and Secured Claims” division. Yulia is a law graduate from Sofia University “St. Kliment Ohridski”.

Adam Parfiniewicz

Chairman of the Board of Directors

Head of Unsecured Asset Management in B2Holding. Mr. Parfiniewicz is a manager with extensive experience in the financial services sector, previously held various management positions in Polish retail banks, including PBK, Credit Agricole and BNP Paribas, and also served as a CEO in PolCard (card processor) and Expander (mortgage and investments broker). He has a Bachelor degree of Business Administration from University of Warsaw.

George Christoforou

Vice Chairman of the Board of Directors

Head of Secured Asset Management in B2Holding. He has held various positions in banking and corporate finance, including serving as CEO for Bank of Cyprus in Romania. He specialised in NPL management during the Greek and Cypriot financial crises and has held the position as Chief of Portfolios in the Greek single liquidation entity PQH. Mr. Christoforou has a MBA from London Business School.

Harald Henriksen

Member of the Board of Directors

He joined B2Holding in January 2015 and until January 2017 held the position of Chief Financial Officer. Mr. Henriksen executed different management positions at Elkem ASA and Poseidon ASA. He also hеld CFO placements in I M Skaugen ASA, Actinor Shipping ASA, Aktiv Kapital ASA and in the investment portfolios for shipping upon ABG Sundal Collier ASA. He has a Masters degree from the Norwegian School of Economics.

About B2Holding

Since June 2016 Debt Collection Agency EAD is part of Norwegian based B2Holding. The mission of the holding is to bridge the gap that non-performing loans create between creditors and borrowers. The Group is among top 10 debt management companies in Europe. It has operations in 22 countries in Central, Western, South-Eastern Europe and the Scandinavian countries, as well as an administrative office in Luxembourg. B2Holding is a public company and is listed on the Oslo Stock Exchange.

12 years of experience
509 thousand debts
1.59 billion BGN portfolio
184 employees
10 years of experience
8.8 million debts
19 billion EUR portfolio
1885 employees