The article presents a problem and differences of financial liquidity and profitability. The survey of financial liquidity and profitability, underwritten by the College of Economics and Social Sciences of Warsaw University of Technology, was conducted on Płock Subregion enterprises. The survey concerned cash flow management, receivables controlling, trade credits, different payments and receivables. The results of the conducted survey indicate that the majority of companies from the subregion of Płock suffer several problems and despite a wide range of possibilities of using different tools for the management of receivables, the respondents do not use them efficiently. The survey has shown that most of them applies only the most popular, simplest and cheapest solutions, but, consequently the least efficient.
The aim of the paper is the analysis of the household use of durables in Poland and other European countries. Relatively, the highest amount of money for household furnishing with durables was spent by the Bulgarians and the Italians (more than 7% of the total household expenses). In Poland, the highest expenditure occurred for the wealthiest households and those where the head of the household had a university degree while the least money was spent in numerous-family households. The best equipped households (quantity wise) were such that had one or two children and those where the household head had a university degree. The cluster analysis allowed distinguishing household groups of similar durables ownership level. These groups may be treated as consumer segments. The presented analyses also indicate the trends of the Polish consumers regarding the possession of durables.