The BiH Insurance Agency filed criminal charges against the European Tourist Organization (ETO), which is registered in Germany, to the BiH Prosecutor’s Office, the KS Prosecutor’s Office, and the Federal Prosecutor’s Office, Fokus reveals.
We learn that this agency has approached a number of institutions in Bosnia and Herzegovina, as well as the Office of the Attorney General of Bosnia and Herzegovina, which has already taken certain steps.
Phone calls from the ETO organization
As they stated, in October 2024, they received several phone calls from the aforementioned organization, where they were presented with a project that includes the creation of a tourist business map with included free promotion.
After that, they received a purchase order for the reservation of media space, which, according to the Agency, was presented as a formality for free promotion without clearly indicated financial obligations after the end of that period.
The agency, they further state, in the belief that it was a free promotion, signed the purchase order on October 25, 2024. However, at the beginning of May 2025, they received an invoice for 1,190 euros, which was stated to be for a period of six months.
From Bosnia and Herzegovina the institutions, on the other hand, state that the only evidence of the alleged activation of the service was an email dated November 4 with a link on the ETO page, which was presented as an agreement without any further notification.
Communication with the Office of the Attorney General of Bosnia and Herzegovina
On May 14, 2025, the Agency requested a legal opinion from the Attorney General’s Office of Bosnia and Herzegovina for further action, and sent a statement to the address of the ETO organization in which it stated that no contractual relationship or any obligation was created, and that the Agency was misled. However, the document was returned to them because the mentioned organization was not at the indicated address.
In July 2025, the Agency again had communication with the Prosecutor’s Office of BiH, and it was advised to file criminal charges, among other things, with the competent prosecutor’s office in Germany. And then, in November 2025, the BiH Insurance Agency received a new invoice from ETO, also in the amount of 1,190 euros. In the attached conditions with the bill, it is stated that, if the user of the service unilaterally terminates the contractual relationship, he will have to pay 14,280 euros.
The Agency states that they have not paid any of the submitted invoices. Also, the Agency stated that they are one of 300 institutions and business entities in BiH potentially defrauded by the ETO organization.
When it comes to this organization, after information about possible fraud, in mid-December 2025, BiH also announced. Ambassador to Germany Damir Arnaut. He asked the Ministry of Foreign Affairs of BiH to protect BiH. citizens and the exam allege a potential major fraud by domestic entities.
What did the Embassy of Bosnia and Herzegovina in Germany discover?
At that time, he stated that the Embassy of BiH in Germany also obtained information that ETO GMBH is registered in the register of economic entities of the Municipal Court in Munich, and that it has a registered address in Munich (Werinher p. 3).
Furthermore, he stated that the founding capital of the organization is shown in the amount of 25,000 euros, while Ivana Krasnar from Zagreb is mentioned as the manager and 100 percent owner of the company.
It should be emphasized that it is RS Chamber of Commerce in June 2026 publicly informed business entities about the suspicious campaign of the ETO organization.
“The mentioned organization offers the promotion of the user and the conclusion of the promotional period free of charge, while nowhere on the purchase order does it state that the promotional period lasts for six months, after which, in accordance with the terms of business of this organization, the purchase order automatically changes to a binding period of six years, which implies financial obligations of the user and that at an annual level in the amount of 2,380 euros”, stated the RS Chamber of Commerce.
(TYPE/Source: Fokus.ba/Author: A. Dučić/Photo Illustration/Focus)
