POSLOVNA ŠPICA Igor Škrgatić

The conversation begins with the immediate, visceral anxiety of rising prices and interest rates — a feeling many people know all too well. Igor Škrgatić has built a business around that anxiety. As co-owner of Beon, he specializes in financial restructuring for citizens, helping people navigate the often-isolating reality of debt and blocked accounts. He sees the problem not just as a financial one, but as a "phenomenon of the blocked," where psychological denial often compounds the issue. Škrgatić details the common path: an optimistic start to solving a problem like job loss or reduced income, followed by borrowing from family, then short-term, unfavorable loans, and finally, default. This often leads to blaming banks, card companies, or the state. His firm offers a structured path out, a service he calls a "startup" because it addresses a social problem others avoided. "Everyone thinks there's no money in it," he says, explaining why Beon found a profitable model in a neglected market. This conversation offers a rare look into the mechanisms of debt resolution from someone operating at the front lines of a growing economic challenge. You'll leave understanding not just the financial mechanics, but the human psychology behind financial distress, and the surprising business models built to address it.