Fire Credit

Fire Credit At Fire Credit, we support those struggling with payments by offering respectful, sustainable solutions.
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With over 14 years of experience, we promote financial education and help restore access to credit — clearly, fairly, and without stigma. Fire Credit a fost înființată în anul 2011, ca parte a grupului FIRE - ce are o experiență de peste 30 ani în domeniul managementului și în recuperarea creanțelor.

Romania’s non-performing loan (NPL) rate reached 2.89% at the end of June 2026, up from 2.81% in June 2025 and 2.69% at ...
26/08/2026

Romania’s non-performing loan (NPL) rate reached 2.89% at the end of June 2026, up from 2.81% in June 2025 and 2.69% at the end of 2025, according to data from the National Bank of Romania.

At the same time, total banking sector assets reached RON 981 billion, increasing by RON 87 billion compared to June 2025.

While the NPL ratio remains relatively contained, its gradual increase highlights the importance of early monitoring, proactive credit management and effective recovery strategies.

In a changing economic environment, identifying potential payment difficulties at an early stage and adopting the right approach can help financial institutions manage credit risk more effectively while supporting sustainable solutions for customers.

Source: https://agerpres.ro/economic/2026/08/23/bnr-rata-creditelor-neperformante-a-urcat-la-2-89-la-finele-lunii-iunie-2026--1587087

Financial uncertainty can feel overwhelming.A missed payment.An unexpected expense.A difficult period that seems impossi...
19/08/2026

Financial uncertainty can feel overwhelming.

A missed payment.

An unexpected expense.

A difficult period that seems impossible to overcome.

But financial setbacks do not have to define your future.

Every challenge is also an opportunity to pause, reassess and make better decisions moving forward. Asking for help early, reviewing your budget, or creating a realistic repayment plan can turn a stressful situation into the first step toward regaining control.

The goal is not to be perfect with money. It is to be resilient.
Small actions taken today can prevent much bigger problems tomorrow.

Every financial comeback starts with one decision: to face the situation instead of avoiding it.

Ferragosto è un momento per rallentare, ritrovare equilibrio e dare valore al tempo condiviso.A chi è in viaggio, a chi ...
15/08/2026

Ferragosto è un momento per rallentare, ritrovare equilibrio e dare valore al tempo condiviso.

A chi è in viaggio, a chi si gode qualche giorno di pausa e a chi continua a garantire presenza e continuità anche in questi giorni, Fire Credit augura un sereno Ferragosto.

Con l’auspicio che questa giornata possa essere un’occasione per ricaricare energie, dedicare tempo alle persone care e guardare alla seconda parte dell’anno con nuova consapevolezza.

Situația creditelor neperformante ale populației se menține la un nivel relativ redus, însă perspectivele pentru perioad...
12/08/2026

Situația creditelor neperformante ale populației se menține la un nivel relativ redus, însă perspectivele pentru perioada următoare indică nevoia de prudență.

Potrivit celui mai recent raport asupra stabilității financiare, publicat de Banca Națională a României, rata creditelor neperformante (NPL) pentru populație s-a situat la 2,9% în martie 2026, ușor sub nivelul de 3,0% înregistrat în aceeași perioadă a anului precedent.

Este un semnal pozitiv, mai ales în contrast cu evoluția din zona companiilor nefinanciare, unde rata NPL a urcat la 5,6%, cu 1,2 puncte procentuale peste nivelul din urmă cu un an, un indiciu că presiunile economice actuale se resimt inegal, în funcție de segmentul de creditare.

Pentru populație, însă, tabloul nu este lipsit de semnale de atenție. BNR estimează că, până în martie 2027, probabilitatea de nerambursare pentru creditele de consum ar putea crește de la 3,0% la 3,4%, într-un context economic care continuă să pună presiune asupra bugetelor populației. Pentru creditele imobiliare, creșterea anticipată este mult mai modestă, de la 0,25% la 0,32%, ceea ce arată că riscul se concentrează în special pe zona creditării de consum.

Aceste evoluții arată că, deși situația actuală rămâne relativ stabilă, este important ca eventualele semnale de dificultate financiară să fie identificate și gestionate din timp. Un dialog început devreme între debitori și creditori poate facilita identificarea unor soluții sustenabile înainte ca situația financiară să se deterioreze.

„În credit management, prevenția este mai eficientă decât reacția. Identificarea timpurie a dificultăților financiare și abordarea acestora prin dialog și soluții adecvate pot reduce riscul deteriorării situației și pot facilita identificarea unor soluții sustenabile pentru ambele părți. O abordare proactivă contribuie atât la protejarea echilibrului financiar al consumatorilor, cât și la menținerea calității portofoliilor de creditare", precizează Marius Scripniciuc, Head of Client Management, Fire Credit.

Sursa: Banca Națională a României – Raport asupra stabilității financiare, iunie 2026.

06/08/2026

Economic conditions may change, but the principles of responsible credit management remain the same.

Periods of uncertainty can make everyday financial decisions more challenging. That's why building healthy financial habits, planning ahead, borrowing responsibly and addressing difficulties early is more important than ever.

Managing credit is not about avoiding borrowing. It is about making informed decisions that support long-term financial well-being, regardless of the economic environment.

29/07/2026

A non-performing loan is rarely the result of a single missed payment.

In most cases, financial difficulties develop gradually, giving businesses and lenders valuable opportunities to act before the situation escalates.

Recognizing early warning signs, maintaining open communication and taking timely action can improve recovery outcomes while helping preserve long-term relationships.

The most effective credit management strategies don't start when a loan becomes non-performing, they start much earlier.

22/07/2026

We often think financial mistakes come from poor budgeting, but sometimes, they start with comparison.

When we base our spending on how others live instead of what we can truly afford, it's easy to lose sight of our own goals.

The best financial decisions aren't about keeping up.

They are about staying true to your priorities.

Sustainable credit management is not just about recovering debts.It is about doing it responsibly, ethically and with re...
15/07/2026

Sustainable credit management is not just about recovering debts.
It is about doing it responsibly, ethically and with respect for people.

We believe that financial sustainability also means building processes that balance performance with empathy, innovation with compliance and efficiency with transparency.

A sustainable approach to credit collection means:
✔️ clear and respectful communication;
✔️ responsible use of technology and AI;
✔️ data protection and compliance;
✔️ long-term client and customer relationships;
✔️ solutions focused on collaboration, not pressure.

In a constantly evolving financial landscape, sustainable recovery strategies create value not only for businesses, but for the entire ecosystem around them.

Because responsible collection is not only a business choice.
It is a mindset for long-term growth.

09/07/2026

You earn more, but somehow it doesn’t feel like progress. That’s because income growth often comes with lifestyle growth.

A better salary turns into:
🔵 higher rent or mortgage;
🟡 more spending;
🔴 more “I can afford this now” moments.

And suddenly, nothing really changes. This is lifestyle inflation and it quietly keeps you stuck.

If you want to actually move forward financially:
👉 keep your expenses growing slower than your income

Because financial comfort isn’t about how much you make.
It’s about how much you keep.

🌱 Sustainability is not a destination. It is a daily commitment.On the occasion of World Environment Day, we take a mome...
05/07/2026

🌱 Sustainability is not a destination. It is a daily commitment.

On the occasion of World Environment Day, we take a moment to reflect on the importance of building a more sustainable future through responsible choices, innovation, and long-term vision.

Environmental responsibility is no longer just an objective, it is an integral part of how organizations create value, manage resources and contribute to the communities in which they operate.

Every action, no matter how small, can make a difference when guided by awareness and consistency. Together, we can support a future where growth and sustainability go hand in hand.

Address

Gabriel Business Center, Palas, Strada Sfântul Lazăr 66A
Iasi
700049

Opening Hours

Monday 09:30 - 21:00
Tuesday 09:30 - 21:00
Wednesday 09:30 - 21:00
Thursday 09:30 - 21:00
Friday 09:30 - 21:00
Saturday 09:30 - 15:00

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