Poland renovation market shows high rate of undocumented transactions

A recent report titled ‘Experiences of Poles with Professionals. 2026 Edition, Part I’, co-authored by the platform Fachurra.pl, reveals that 32.6% of Polish customers using renovation, finishing, or repair services do not receive any documentation confirming their settlement.

While approximately 59% of respondents reported receiving documentation, nearly 12% noted that formalities were only completed upon their specific request. Experts suggest these findings indicate a significant scale of informal transactions within the market, often involving cash payments without invoices, receipts, or written contracts.

However, specialists caution against assuming all undocumented transactions are illegal. Paweł Szumlański from Fachurra.pl noted that the lack of a document does not necessarily mean income was not reported or that the service was performed illegally, as the study only tracks whether a customer received a document, not the tax status of the provider.