Use initializing list like this: (Best approach)
class Rachunek{
public:
    Osoba& wlasciciel;
    double stan_konta;
    Rachunek(Osoba* wlasciciel, double stan_konta): 
        wlasciciel(*wlasciciel) , 
        stan_konta(stan_konta)  { //Uninitialized reference member
    }
};
You have a reference as a member and a reference must be initialized right away. This notation allows for initialization at declaration time. If you instead used a normal member without & it would work fine as you did it. Though the presented style here is more efficient. 
Alternativly: (Lesser efficient approach)
class Rachunek{
public:
    Osoba wlasciciel; // Note missing & on the type. 
    double stan_konta;
    Rachunek(Osoba* wlasciciel, double stan_konta)
    {
        this->wlasciciel = *wlasciciel;  
        this->stan_konta = stan_konta;  
    }
};