Terms of use

Creya is a service of Tijl Cresens, trading as T-labs. In these terms that is "we". "You" is whoever uses Creya, with or without an account.

Operator

Tijl Cresens, trading as T-labs (sole trader)

Address

Korte Vorenstraat 3, 3900 Pelt, Belgium

Enterprise number

0805.477.211

VAT

BE 0805.477.211, small business under the VAT exemption scheme

Email

info@creya.be

Phone

+32 483 65 89 46

Creya analyses the financial health of Belgian companies from their annual accounts. Creya is made for professional use: business owners, self-employed people and companies who want to understand their customers, suppliers or own business.

If you use Creya as a consumer, you keep every right the law gives you as a consumer. Nothing in these terms takes that away.

Creya has a free plan and paid plans. The paid plans also follow our billing terms, which you see and accept before you pay.

Part of Creya needs an account. By creating one, you agree to these terms and take note of our privacy policy. We keep which version you accepted and when.

• Give correct details and keep your password secret.
• An account is for one person. Colleagues each make their own.
• If you notice someone else using your account, tell us right away at info@creya.be.

We use official, public sources:

• National Bank of Belgium: the filed annual accounts (Central Balance Sheet Office).
• Crossroads Bank for Enterprises (FPS Economy): name, address, legal form, activity and status of companies.
• Peppol Directory (OpenPeppol): whether a company can receive e-invoices.

Next to the figures we always show which annual accounts they are based on and when those were filed. We update our data daily, but a source can itself be behind.

We show everything as is, as a snapshot. Annual accounts can be late, incomplete or wrong, and our calculations can contain errors. We don't guarantee that the data is correct, complete or up to date. How we calculate is on How we calculate. See a mistake? Report it and we'll look at it.

Verdicts, scores, credit limits, valuations, simulations and AI texts are automated assessments by the Creya method. They are not financial, investment, accounting, legal or credit advice.

They are also not credit ratings within the meaning of Regulation (EC) No 1060/2009: they assess obligations arising from commercial relationships, which that regulation expressly excludes.

You decide. What you do with our information is your choice and your risk. Check what matters in the annual accounts themselves and weigh your own experience with a company, especially before you give credit or sign an agreement.

Some explanations, like "Why" in an alert, are written by an AI model from our own figures. We check these texts automatically, but no person reads them before they appear. They are always marked.

An AI text can contain errors. Don't rely on it without checking the figures in the analysis. What you can do is written by us, not by the AI.

You may use Creya for yourself and for the internal operations of your own business. You may not:

• collect data automatically or systematically, with scripts, bots, scrapers or crawlers;
• resell or publish data from Creya, or put it in a database or service of your own;
• use Creya or its data to train, fine-tune, test or validate an AI model;
• use data about people (such as directors) for direct marketing;
• get around security, avoid limits or overload Creya.

In case of abuse we may limit your access, suspend an account or delete it. If it isn't urgent, we warn you first.

Creya's software, texts, design, calculation method and database are ours and protected by copyright and database right. Creya® is a Benelux word mark of Tijl Cresens (no. 1550767).

The source data stays with its sources, under their own licences. You get a personal, non-transferable right to use Creya as these terms say.

1. Creya shows figures from official sources and calculations by the Creya method. That is information, not advice. What you do with it is your own decision and at your own risk.

2. We are not liable for indirect damage, such as lost profit, lost customers, lost data or damage to reputation, nor for slight faults.

3. For other damage, our total liability is limited to what you paid us in the 12 months before the damage, with a minimum of € 100.

4. Points 2 and 3 don't apply to intent, gross fault, failure to perform our essential obligations, or harm to life or health. Nor do they take away rights the law gives you as a consumer.

We do our best to keep Creya available, but we don't guarantee uninterrupted service. Creya can be down for maintenance or during an outage. We may change or stop features. If we stop Creya altogether, we tell you at least 30 days ahead.

You can delete your account at any time in your settings, free of charge. Before that, you can download your own data: your account, followed companies, notifications and preferences. After deletion we erase your data as our privacy policy says.

If you don't log in for 3 years, we delete your account. We email you 30 days ahead, so you can keep it.

If we change something important, we email you at least 30 days ahead. If you don't agree, you can delete your account free of charge before that date. Small improvements, like a typo or a clearer sentence, get a new date at the top.

These terms are governed by Belgian law. If you have a complaint, contact us first at info@creya.be: that is usually the quickest way to solve it.

If that doesn't work, disputes with businesses go to the Enterprise Court of Antwerp, Hasselt division. If you are a consumer, you can also go to the court of your own place of residence.