Adam Jarmołkowicz otworzył swój kantor w 2016 roku w dolnośląskiej miejscowości Syców. W ten sposób zadebiutował w działalności związanej z handlem walutami, choć nie w biznesie w ogóle. Swoją pierwszą firmę otworzył bowiem jeszcze pod koniec lat 90. Zaczął od przedsiębiorstwa zajmującego się wykopami i wywozem ziemi, później prowadził własne sklepy spożywcze i odzieżowe. Jak wspomina, ogrom obowiązków związanych z własnym biznesem z czasem stał się zbyt uciążliwy. W pewnym momencie nadmiar pracy odbił się na zdrowiu przedsiębiorcy. Adam Jarmołkowicz nie miał wyjścia – musiał zwolnić.
– Wyszedłem z dotychczas prowadzonych firm i zacząłem szukać nieco spokojniejszego biznesu, którym mógłbym zarządzać bez poświęcania na niego większości wolnego czasu – opowiada przedsiębiorca.
Uznał, że takiego rozwiązania warto poszukać na rynku franczyzy. Jego wybór padł na koncept Extrakantor.pl.
– Miałem świadomość, że wchodzę na trudny rynek, bo w 10-tys. Sycowie działały już dwa kantory. Na początku miałem do dyspozycji kwotę 70 tys. zł na zakup walut – mówi Adam Jarmołkowicz.
Franczyzodawca sieci szacuje, że rozpoczynając działalność dobrze jest mieć w kieszeni minimum 50 tys. zł. Zdaniem franczyzobiorcy z Sycowa taka kwota rzeczywiście wystarczy na start, ale z czasem warto zadbać o większe fundusze.
– Może zdarzyć się, że do naszego kantoru przyjdzie ktoś z większym zamówieniem, a nam zabraknie płynności, by je zrealizować. Dlatego starałem się tak rozwijać biznes, by zgromadzić większą pulę pieniędzy – mówi Adam Jarmołkowicz.
Jego zdaniem wśród właścicieli kantorów dominują dwie „szkoły” zarządzania – jedni sprzedają waluty od razu, licząc przede wszystkim na przychody z prowizji; inni nieustannie śledzą wahania kursów i starają się osiągać dodatkowe zyski spekulując na zmianach notowań.
– Ja pewnie jestem gdzieś pomiędzy. Czasami zdarza mi się przetrzymać daną walutę, jeśli z informacji rynkowych wynika, że można spodziewać się jej umocnienia lub osłabienia – mówi Jarmołkowicz.
Wartość transakcji zawieranych w jego kantorze systematycznie rośnie. Za zdecydowaną większość, bo ok. 80 proc. obrotu odpowiada euro, na drugim miejscu jest dolar, później funt. Właścicielowi po odliczeniu pensji pracownika i innych kosztów zostaje na ręce kilka tysięcy złotych.
– Z tego biznesu można wyciągnąć znacznie więcej, ale w tym celu trzeba otworzyć więcej niż jedną placówkę. Ja mam inne źródła dochodów, toteż w moim przypadku jest to atrakcyjny, dodatkowy biznes. Zwłaszcza, że wystarczy, gdy poświęcam mu około trzech godzin dziennie – mówi franczyzobiorca.
Na pytanie, czy przypadkiem nie można było obejść się bez franczyzy przy otwarciu kantoru, odpowiada, że ten biznes wcale nie jest tak prosty, jak się wydaje.
– Jest wiele niuansów, szczególnie dotyczących przeliczania kursów. Nie brak przedsiębiorców, którzy popełniali błędy i się na tym biznesie przejechali. A ja całą wiedzę dostałem podaną na tacy od franczyzodawcy. Informacje, które otrzymałem, były bardzo cenne i uważam, że warto było ponieść koszt opłaty franczyzowej, by je uzyskać – mówi Adam Jarmołkowicz. – Poza tym jako uczestnik sieci mam możliwość pozyskiwanie walut wewnętrznie, od innych partnerów. Czasem zdarza się, że klient poszukuje waluty, której ja nie mam, wówczas mogę dogadać się z innym franczyzobiorcą i zdobyć ją po lepszej cenie niż na rynku.
Grzegorz Morawski obserwuje i opisuje rynek pomysłów na biznes od 2009 roku. Jako dziennikarz portalu Franchising.pl i Własny Biznes Franchising opisuje tajniki współpracy we franczyzie, w każdym artykule starając się odpowiadać na nurtujące wszystkich przedsiębiorczych pytanie: jaki biznes się opłaca? Swoje zainteresowania rynkiem franczyzy rozwija w ramach studiów doktoranckich w Szkole Głównej Handlowej. Jest autorem publikacji naukowych z zarządzania systemami sieciowymi, a także współtwórcą Raportu o franczyzie PROFIT system. Jego felietony i komentarze można znaleźć również na jego profilu w serwisie Twitter oraz na portalu Natemat.pl.
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[description] => [path] => 496/3f0/dsc_0226.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1200 [itemserver_id] => 38334 ) [1] => Array ( [pid] => 119911 [country_item] => pl [description] => [path] => fc7/7fc/biuro-pozna_.jpg [class] => image-jpeg [mime] => image/jpeg [title] => [img_width] => 1600 [img_height] => 1200 [itemserver_id] => 38333 ) ) ) ) ) )Biznes na walutach
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10.04.2017
Adam Jarmołkowicz szukał alternatywy dla prowadzonych wcześniej biznesów handlowych. Znalazł go we franczyzie Extrakantor.pl. Ceni sobie szczególnie jeden aspekt działalności...
Young Engineers fit for a Prince
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03:42
Adam Jarmołkowicz otworzył swój kantor w 2016 roku w dolnośląskiej miejscowości Syców. W ten sposób zadebiutował w działalności związanej z handlem walutami, choć nie w biznesie w ogóle. Swoją pierwszą firmę otworzył bowiem jeszcze pod koniec lat 90. Zaczął od przedsiębiorstwa zajmującego się wykopami i wywozem ziemi, później prowadził własne sklepy spożywcze i odzieżowe. Jak wspomina, ogrom obowiązków związanych z własnym biznesem z czasem stał się zbyt uciążliwy. W pewnym momencie nadmiar pracy odbił się na zdrowiu przedsiębiorcy. Adam Jarmołkowicz nie miał wyjścia – musiał zwolnić.
– Wyszedłem z dotychczas prowadzonych firm i zacząłem szukać nieco spokojniejszego biznesu, którym mógłbym zarządzać bez poświęcania na niego większości wolnego czasu – opowiada przedsiębiorca.
Uznał, że takiego rozwiązania warto poszukać na rynku franczyzy. Jego wybór padł na koncept Extrakantor.pl.
– Miałem świadomość, że wchodzę na trudny rynek, bo w 10-tys. Sycowie działały już dwa kantory. Na początku miałem do dyspozycji kwotę 70 tys. zł na zakup walut – mówi Adam Jarmołkowicz.
Franczyzodawca sieci szacuje, że rozpoczynając działalność dobrze jest mieć w kieszeni minimum 50 tys. zł. Zdaniem franczyzobiorcy z Sycowa taka kwota rzeczywiście wystarczy na start, ale z czasem warto zadbać o większe fundusze.
– Może zdarzyć się, że do naszego kantoru przyjdzie ktoś z większym zamówieniem, a nam zabraknie płynności, by je zrealizować. Dlatego starałem się tak rozwijać biznes, by zgromadzić większą pulę pieniędzy – mówi Adam Jarmołkowicz.
Jego zdaniem wśród właścicieli kantorów dominują dwie „szkoły” zarządzania – jedni sprzedają waluty od razu, licząc przede wszystkim na przychody z prowizji; inni nieustannie śledzą wahania kursów i starają się osiągać dodatkowe zyski spekulując na zmianach notowań.
– Ja pewnie jestem gdzieś pomiędzy. Czasami zdarza mi się przetrzymać daną walutę, jeśli z informacji rynkowych wynika, że można spodziewać się jej umocnienia lub osłabienia – mówi Jarmołkowicz.
Wartość transakcji zawieranych w jego kantorze systematycznie rośnie. Za zdecydowaną większość, bo ok. 80 proc. obrotu odpowiada euro, na drugim miejscu jest dolar, później funt. Właścicielowi po odliczeniu pensji pracownika i innych kosztów zostaje na ręce kilka tysięcy złotych.
– Z tego biznesu można wyciągnąć znacznie więcej, ale w tym celu trzeba otworzyć więcej niż jedną placówkę. Ja mam inne źródła dochodów, toteż w moim przypadku jest to atrakcyjny, dodatkowy biznes. Zwłaszcza, że wystarczy, gdy poświęcam mu około trzech godzin dziennie – mówi franczyzobiorca.
Na pytanie, czy przypadkiem nie można było obejść się bez franczyzy przy otwarciu kantoru, odpowiada, że ten biznes wcale nie jest tak prosty, jak się wydaje.
– Jest wiele niuansów, szczególnie dotyczących przeliczania kursów. Nie brak przedsiębiorców, którzy popełniali błędy i się na tym biznesie przejechali. A ja całą wiedzę dostałem podaną na tacy od franczyzodawcy. Informacje, które otrzymałem, były bardzo cenne i uważam, że warto było ponieść koszt opłaty franczyzowej, by je uzyskać – mówi Adam Jarmołkowicz. – Poza tym jako uczestnik sieci mam możliwość pozyskiwanie walut wewnętrznie, od innych partnerów. Czasem zdarza się, że klient poszukuje waluty, której ja nie mam, wówczas mogę dogadać się z innym franczyzobiorcą i zdobyć ją po lepszej cenie niż na rynku.
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Own Business FRANCHISING No. 1/2025 (235)
What business will pay off in 2025
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