An Error Occurred:

Could not instantiate Seam component: common

+ Stack Trace

org.jboss.seam.InstantiationException: Could not instantiate Seam component: common
	at org.jboss.seam.Component.newInstance(Component.java:2170)
	at org.jboss.seam.Component.getInstance(Component.java:2024)
	at org.jboss.seam.Component.getInstance(Component.java:1986)
	at org.jboss.seam.Component.getInstance(Component.java:1980)
	at org.jboss.seam.Component.getInstanceFromFactory(Component.java:2081)
	at org.jboss.seam.Component.getInstance(Component.java:2014)
	at org.jboss.seam.Component.getInstance(Component.java:1986)
	at org.jboss.seam.Component.getInstance(Component.java:1980)
	at org.jboss.seam.Namespace.getComponentInstance(Namespace.java:55)
	at org.jboss.seam.Namespace.getComponentInstance(Namespace.java:50)
	at org.jboss.seam.el.SeamELResolver.resolveBase(SeamELResolver.java:148)
	at org.jboss.seam.el.SeamELResolver.getValue(SeamELResolver.java:51)
	at javax.el.CompositeELResolver.getValue(CompositeELResolver.java:53)
	at com.sun.faces.el.FacesCompositeELResolver.getValue(FacesCompositeELResolver.java:72)
	at org.jboss.el.parser.AstIdentifier.getValue(AstIdentifier.java:44)
	at org.jboss.el.ValueExpressionImpl.getValue(ValueExpressionImpl.java:186)
	at com.sun.facelets.el.TagValueExpression.getValue(TagValueExpression.java:71)
	at javax.faces.component.UIParameter.getValue(UIParameter.java:167)
	at org.jboss.seam.ui.util.ViewUrlBuilder.addParameter(ViewUrlBuilder.java:43)
	at org.jboss.seam.ui.component.UISeamCommandBase.getUrl(UISeamCommandBase.java:57)
	at org.jboss.seam.ui.renderkit.LinkRendererBase.doEncodeBegin(LinkRendererBase.java:26)
	at org.jboss.seam.ui.util.cdk.RendererBase.encodeBegin(RendererBase.java:79)
	at javax.faces.component.UIComponentBase.encodeBegin(UIComponentBase.java:813)
	at javax.faces.component.UIComponent.encodeAll(UIComponent.java:934)
	at javax.faces.component.UIComponent.encodeAll(UIComponent.java:942)
	at javax.faces.component.UIComponent.encodeAll(UIComponent.java:942)
	at javax.faces.component.UIComponent.encodeAll(UIComponent.java:942)
	at javax.faces.component.UIComponent.encodeAll(UIComponent.java:942)
	at com.sun.facelets.FaceletViewHandler.renderView(FaceletViewHandler.java:592)
	at org.ajax4jsf.application.ViewHandlerWrapper.renderView(ViewHandlerWrapper.java:100)
	at org.ajax4jsf.application.AjaxViewHandler.renderView(AjaxViewHandler.java:176)
	at com.sun.faces.lifecycle.RenderResponsePhase.execute(RenderResponsePhase.java:109)
	at com.sun.faces.lifecycle.Phase.doPhase(Phase.java:100)
	at com.sun.faces.lifecycle.LifecycleImpl.render(LifecycleImpl.java:139)
	at javax.faces.webapp.FacesServlet.service(FacesServlet.java:266)
	at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:290)
	at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206)
	at org.apache.catalina.core.ApplicationDispatcher.invoke(ApplicationDispatcher.java:654)
	at org.apache.catalina.core.ApplicationDispatcher.processRequest(ApplicationDispatcher.java:445)
	at org.apache.catalina.core.ApplicationDispatcher.doForward(ApplicationDispatcher.java:379)
	at org.apache.catalina.core.ApplicationDispatcher.forward(ApplicationDispatcher.java:292)
	at org.jboss.seam.web.RewriteFilter.process(RewriteFilter.java:98)
	at org.jboss.seam.web.RewriteFilter.doFilter(RewriteFilter.java:57)
	at org.jboss.seam.servlet.SeamFilter$FilterChainImpl.doFilter(SeamFilter.java:69)
	at org.jboss.seam.web.IdentityFilter.doFilter(IdentityFilter.java:40)
	at org.jboss.seam.servlet.SeamFilter$FilterChainImpl.doFilter(SeamFilter.java:69)
	at org.jboss.seam.servlet.SeamFilter$FilterChainImpl.doFilter(SeamFilter.java:73)
	at org.jboss.seam.web.LoggingFilter.doFilter(LoggingFilter.java:60)
	at org.jboss.seam.servlet.SeamFilter$FilterChainImpl.doFilter(SeamFilter.java:69)
	at org.jboss.seam.servlet.SeamFilter$FilterChainImpl.doFilter(SeamFilter.java:73)
	at org.jboss.seam.web.MultipartFilter.doFilter(MultipartFilter.java:90)
	at org.jboss.seam.servlet.SeamFilter$FilterChainImpl.doFilter(SeamFilter.java:69)
	at org.jboss.seam.web.ExceptionFilter.doFilter(ExceptionFilter.java:64)
	at org.jboss.seam.servlet.SeamFilter$FilterChainImpl.doFilter(SeamFilter.java:69)
	at org.jboss.seam.servlet.SeamFilter$FilterChainImpl.doFilter(SeamFilter.java:73)
	at org.jboss.seam.web.RedirectFilter.doFilter(RedirectFilter.java:45)
	at org.jboss.seam.servlet.SeamFilter$FilterChainImpl.doFilter(SeamFilter.java:69)
	at org.ajax4jsf.webapp.BaseXMLFilter.doXmlFilter(BaseXMLFilter.java:206)
	at org.ajax4jsf.webapp.BaseFilter.handleRequest(BaseFilter.java:290)
	at org.ajax4jsf.webapp.BaseFilter.processUploadsAndHandleRequest(BaseFilter.java:388)
	at org.ajax4jsf.webapp.BaseFilter.doFilter(BaseFilter.java:515)
	at org.jboss.seam.web.Ajax4jsfFilter.doFilter(Ajax4jsfFilter.java:56)
	at org.jboss.seam.servlet.SeamFilter$FilterChainImpl.doFilter(SeamFilter.java:69)
	at nsi.credit.filter.SessionIdFilter.doFilter(SessionIdFilter.java:73)
	at org.jboss.seam.servlet.SeamFilter$FilterChainImpl.doFilter(SeamFilter.java:69)
	at org.jboss.seam.servlet.SeamFilter.doFilter(SeamFilter.java:158)
	at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:235)
	at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206)
	at org.jboss.web.tomcat.filters.ReplyHeaderFilter.doFilter(ReplyHeaderFilter.java:96)
	at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:235)
	at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206)
	at org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:230)
	at org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:175)
	at org.jboss.web.tomcat.security.SecurityAssociationValve.invoke(SecurityAssociationValve.java:182)
	at org.apache.catalina.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:432)
	at org.jboss.web.tomcat.security.JaccContextValve.invoke(JaccContextValve.java:84)
	at org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:127)
	at org.apache.catalina.valves.ErrorReportValve.invoke(ErrorReportValve.java:102)
	at org.apache.catalina.valves.AccessLogValve.invoke(AccessLogValve.java:562)
	at org.apache.catalina.core.StandardEngineValve.invoke(StandardEngineValve.java:109)
	at org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:262)
	at org.apache.coyote.http11.Http11Processor.process(Http11Processor.java:844)
	at org.apache.coyote.http11.Http11Protocol$Http11ConnectionHandler.process(Http11Protocol.java:583)
	at org.apache.tomcat.util.net.JIoEndpoint$Worker.run(JIoEndpoint.java:446)
	at java.lang.Thread.run(Thread.java:748)
Caused by: javax.naming.NameNotFoundException: CommonCreditImpl not bound
	at org.jnp.server.NamingServer.getBinding(NamingServer.java:529)
	at org.jnp.server.NamingServer.getBinding(NamingServer.java:537)
	at org.jnp.server.NamingServer.getObject(NamingServer.java:543)
	at org.jnp.server.NamingServer.lookup(NamingServer.java:267)
	at org.jnp.server.NamingServer.lookup(NamingServer.java:270)
	at org.jnp.interfaces.NamingContext.lookup(NamingContext.java:667)
	at org.jnp.interfaces.NamingContext.lookup(NamingContext.java:627)
	at javax.naming.InitialContext.lookup(InitialContext.java:417)
	at org.jboss.seam.Component.instantiateSessionBean(Component.java:1403)
	at org.jboss.seam.Component.instantiate(Component.java:1367)
	at org.jboss.seam.Component.newInstance(Component.java:2148)
	... 84 more

+ Component Tree

<AjaxViewRoot id="_viewRoot" immediate="false" locale="en" renderKitId="HTML_BASIC" renderRegionOnly="false" rendered="true" selfRendered="false" submitted="false" transient="false" viewId="/information.xhtml">
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" >
<html xmlns:og="http://opengraphprotocol.org/schema/"> <head> <meta http-equiv="Content-Type" content="text/html; charset=UTF-8"/> <meta http-equiv="Content-Language" content="#{locale.language}"/> <meta name="Author" content="#{messages.PAGE_Author}"/> <meta name="Copyright" content="#{messages.PAGE_Copyright}"/> <meta name="Robots" content="index,follow"/> <meta name="Robots" content="index,follow"/>
<UIMeta id="j_id2" rendered="true" transient="false"/>
<link rel="shortcut icon" href="#{request.contextPath}/img/creditreform.ico"/> <script type="text/javascript" src="/script/jquery-1.7.2.min.js"/> <script type="text/javascript" src="/script/javascipt.cookie.js"/> <script type="text/javascript"> var $jq = jQuery.noConflict(); </script> <script language="javascript" type="text/javascript" src="/script/utils.js"/> <script src="/script/viewportSize.js" type="text/javascript"/>
<HtmlLoadStyle id="j_id4" rendered="true" src="/stylesheet/main.css" transient="false"/>
<script src="https://ssl.google-analytics.com/ga.js" type="text/javascript"/> <script type="text/javascript"> try { var pageTracker = _gat._getTracker("UA-28404493-1"); pageTracker._trackPageview(); } catch(err) {} </script>
<title>#{article.getTitle('pl')}</title> <meta name="description" content="#{article.getDescription('pl')}"/> <meta name="keywords" content="#{article.getKeywords('pl')}"/> <meta property="og:title" content="#{article.getTitle('pl')}"/> <meta property="og:image" content="http://www.creditreform.pl/img/pl/logo2.png"/> <meta property="og:description" content="#{article.getDescription('pl')}"/>
</head> <body>
<HtmlQueue disabled="false" id="pleaseWaitQueue" ignoreDupResponses="true" name="pleaseWaitQueue" onbeforedomupdate="document.getElementById('pleaseWaitPanel').component.hide();" onrequestqueue="document.getElementById('pleaseWaitPanel').component.show();" rendered="true" requestDelay="-2147483648" size="1" sizeExceededBehavior="dropNew" timeout="-2147483648" transient="false"/>
<HtmlModalPanel autosized="true" controlsClass="" headerClass="login-header" height="-1" id="pleaseWaitPanel" immediate="false" keepVisualState="false" left="auto" localValueSet="false" minHeight="-1" minWidth="-1" moveable="false" onbeforehide="" onbeforeshow="" onhide="" onmaskclick="" onmaskcontextmenu="" onmaskdblclick="" onmaskmousedown="" onmaskmousemove="" onmaskmouseout="" onmaskmouseover="" onmaskmouseup="" onmove="" onresize="" onshow="" overlapEmbedObjects="false" rendered="true" required="false" resizeable="false" showWhenRendered="false" style="text-align: center;" top="auto" transient="false" tridentIVEngineSelectBehavior="disable" trimOverlayedElements="true" valid="true" width="200" zindex="2000">
header
<HtmlPanelGroup id="j_id8" rendered="true" transient="false">
<HtmlOutputText escape="true" id="j_id9" rendered="true" transient="false" value="Please wait"/>
</HtmlPanelGroup>
#{messages.INFO_please_wait} <br/> <img src="/img/progressbar.gif" id="progressImg" width="50" height="50"/> <br/>
</HtmlModalPanel>
<HtmlToolBar id="j_id11" itemSeparator="none" rendered="true" style="margin-bottom: 5px;" transient="false" width="100%">
<HtmlForm enctype="application/x-www-form-urlencoded" id="j_id12" prependId="true" rendered="true" style=" float: right;padding-top: 5px;" submitted="false" transient="false">
<HtmlLink action="#{localeChanger.polishAction}" actionExpression="#{localeChanger.polishAction}" disabled="false" id="j_id13" immediate="true" includePageParams="true" propagation="none" rel="nofollow" rendered="true" styleClass="flag" title="Polski" transient="false">
<HtmlGraphicImage alt="Polski" height="13" id="j_id14" ismap="false" rendered="true" style="border: 0px" title="Polski" transient="false" url="/img/pl_flag.gif" value="/img/pl_flag.gif" width="22"/>
</HtmlLink>
<HtmlLink action="#{localeChanger.englishAction}" actionExpression="#{localeChanger.englishAction}" disabled="false" id="j_id15" immediate="true" includePageParams="true" propagation="none" rel="nofollow" rendered="true" styleClass="flag" title="English" transient="false">
<HtmlGraphicImage alt="English" height="13" id="j_id16" ismap="false" rendered="true" style="border: 0px" title="English" transient="false" url="/img/en_flag.gif" value="/img/en_flag.gif" width="22"/>
</HtmlLink>
</HtmlForm>
<HtmlToolBarGroup id="j_id17" itemSeparator="none" location="left" rendered="false" transient="false">
<HtmlLink action=" disabled="false" id="j_id18" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="flagLink" transient="false" view="/home.xhtml">
<HtmlGraphicImage alt="English" id="j_id19" ismap="false" rendered="true" styleClass="flagImage" title="English" transient="false" url="/img/en_flag.gif" value="/img/en_flag.gif"/>
<HtmlOutputText escape="false" id="j_id20" rendered="true" style="padding-left:3px;" styleClass="menuLinkText" transient="false" value="English version"/>
</HtmlLink>
</HtmlToolBarGroup>
<HtmlToolBarGroup id="j_id21" itemSeparator="none" location="right" rendered="true" transient="false">
<HtmlLink action=" disabled="false" id="j_id22" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Home Page" transient="false" value="Home Page" view="/index.xhtml"/>
<span style="font-size: 11px;">|</span>
<HtmlLink action=" disabled="false" id="j_id24" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Impressum" transient="false" value="Impressum" view="/impressum.xhtml"/>
<span style="font-size: 11px;">|</span>
<HtmlLink action=" disabled="false" id="j_id26" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Download" transient="false" value="Download" view="/index.xhtml"/>
<HtmlLink action=" disabled="false" id="j_id27" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Career" transient="false" value="Career" view="/career.xhtml"/>
<span>
<HtmlOutputText escape="true" id="j_id29" rendered="true" transient="false" value="tel.:(+48) 22 440 15 00 fax.:(+48) 22 440 15 06 "/>
<br/>
<HtmlOutputText escape="true" id="j_id31" rendered="true" transient="false" value="creditreform@creditreform.pl"/>
</span>
<HtmlForm enctype="application/x-www-form-urlencoded" id="j_id33" prependId="true" rendered="true" submitted="false" transient="false">
<HtmlCommandLink action="#{authenticatiorImpl.logout}" actionExpression="#{authenticatiorImpl.logout}" disabled="false" id="j_id34" immediate="false" rendered="false" transient="false" value="Wyloguj"/>
</HtmlForm>
</HtmlToolBarGroup>
</HtmlToolBar>
<HtmlDiv id="j_id35" rendered="true" transient="false">
<div class="logo_menu">
<HtmlDiv id="j_id37" rendered="true" style="width: 347px; float: left;" transient="false">
<HtmlLink action=" disabled="false" id="j_id38" immediate="false" includePageParams="true" propagation="none" rendered="true" transient="false" view="/index.xhtml">
<HtmlGraphicImage alt="Creditreform Polska Sp. z o.o. " id="j_id39" ismap="false" rendered="true" style="border:0" title="Creditreform Polska Sp. z o.o. " transient="false" url="/img/en/logo1_347_87.png" value="/img/en/logo1_347_87.png"/>
</HtmlLink>
</HtmlDiv>
<HtmlDiv id="j_id40" rendered="true" styleClass="logoRepeat" transient="false"/>
<HtmlDiv id="j_id41" rendered="true" transient="false">
<HtmlGraphicImage alt="menu_picture" id="j_id42" ismap="false" rendered="true" style="float: left;" transient="false" url="/img/menu_1.jpg" value="/img/menu_1.jpg"/>
<HtmlDiv id="j_id43" rendered="true" styleClass="menuRepeat" transient="false">
<HtmlLink action=" disabled="false" id="j_id44" immediate="false" includePageParams="true" propagation="none" rendered="true" style="width:145px;" styleClass="menuLink2" title="News" transient="false" value="News" view="/informations.xhtml">
<UIParameter id="j_id45" name="articlesYear" rendered="true" transient="false"/>
</HtmlLink>
</HtmlDiv>
<HtmlDiv id="j_id46" rendered="true" styleClass="menuRepeat" transient="false">
<HtmlLink action=" disabled="false" id="j_id47" immediate="false" includePageParams="true" propagation="none" rendered="true" style="width:146px;" styleClass="menuLink2" title="About us" transient="false" value="About us" view="/about_us.xhtml"/>
</HtmlDiv>
<HtmlDiv id="j_id48" rendered="true" styleClass="menuRepeat" transient="false">
<HtmlLink action=" disabled="false" id="j_id49" immediate="false" includePageParams="true" propagation="none" rendered="true" style="width:146px;" styleClass="menuLink2" title="Products and services" transient="false" value="Products and services" view="/products_and_services.xhtml"/>
</HtmlDiv>
<HtmlDiv id="j_id50" rendered="true" styleClass="menuRepeat" transient="false">
<HtmlLink action=" disabled="false" id="j_id51" immediate="false" includePageParams="true" propagation="none" rendered="true" style="width:146px;" styleClass="menuLink2" title="Publications" transient="false" value="Publications" view="/publications.xhtml">
<UIParameter id="j_id52" name="publicationsYear" rendered="true" transient="false"/>
</HtmlLink>
</HtmlDiv>
<HtmlDiv id="j_id53" rendered="true" styleClass="menuRepeat" transient="false">
<HtmlLink action=" disabled="false" id="j_id54" immediate="false" includePageParams="true" propagation="none" rendered="true" style="width:147px;" styleClass="menuLink2" title="Contact" transient="false" value="Contact" view="/contact.xhtml"/>
</HtmlDiv>
</HtmlDiv>
</div>
</HtmlDiv>
<div class="body">
<HtmlMessages errorClass="errormsg" globalOnly="true" id="messages" infoClass="infomsg" layout="list" rendered="true" showDetail="false" showSummary="true" styleClass="message" tooltip="false" transient="false" warnClass="warnmsg"/>
<HtmlDiv id="j_id57" rendered="true" style="padding-top:5px;" transient="false">
<HtmlDiv id="j_id58" rendered="true" styleClass="body_left" transient="false">
<HtmlDiv id="j_id59" rendered="true" styleClass="menu_left" transient="false">
<HtmlDiv id="j_id60" rendered="false" transient="false">
<HtmlDiv id="j_id61" rendered="true" styleClass="menuMainClass" transient="false">
<HtmlDiv id="j_id62" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id63" immediate="false" includePageParams="true" propagation="default" rendered="true" style="color:#008DD9;font-weight:bold;" styleClass="menuLinkBlack" title="News" transient="false" value="News" view="/informations.xhtml">
<UIParameter id="j_id64" name="articlesYear" rendered="true" transient="false"/>
</HtmlLink>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id65" rendered="true" styleClass="menuElementClassGrey" transient="false">
<div>
<HtmlDiv id="j_id67" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id68" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Informations" transient="false" value="Informations" view="/informations.xhtml">
<UIParameter id="j_id69" name="articlesYear" rendered="true" transient="false"/>
</HtmlLink>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id71" rendered="true" styleClass="menuElementClassGrey" transient="false">
<div>
<HtmlDiv id="j_id73" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id74" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Events" transient="false" value="Events" view="/events.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id76" rendered="false" transient="false">
<HtmlDiv id="j_id77" rendered="true" styleClass="menuMainClass" transient="false">
<HtmlDiv id="j_id78" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id79" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="About us" transient="false" value="About us" view="/about_us.xhtml"/>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id80" rendered="true" styleClass="menuElementClassGrey" transient="false">
<div>
<HtmlDiv id="j_id82" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id83" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Creditreform Group" transient="false" value="Creditreform Group" view="/creditreform_group.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id85" rendered="true" styleClass="menuElementClassGrey" transient="false">
<div>
<HtmlDiv id="j_id87" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id88" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Creditreform in Poland" transient="false" value="Creditreform in Poland" view="/creditreform_in_poland.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id90" rendered="true" styleClass="menuElementClassGrey" transient="false">
<div>
<HtmlDiv id="j_id92" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id93" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="What distinguishes us" transient="false" value="What distinguishes us" view="/what_distinguishes_us.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id95" rendered="false" styleClass="menuElementClassGrey" transient="false">
<div>
<HtmlDiv id="j_id97" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id98" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Payment Capability Index and PD" transient="false" value="Payment Capability Index and PD" view="/solvency_index.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id100" rendered="false" styleClass="menuElementClassGrey" transient="false">
<div>
<HtmlDiv id="j_id102" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id103" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Inner regulations" transient="false" value="Inner regulations" view="/compliance_policy.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id105" rendered="false" styleClass="menuElementClassGrey" transient="false">
<div>
<HtmlDiv id="j_id107" rendered="true" style="padding-left:40px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id108" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Compliance policy" transient="false" value="Compliance policy" view="/compliance_policy.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id110" rendered="false" styleClass="menuElementClassGrey" transient="false">
<div>
<HtmlDiv id="j_id112" rendered="true" style="padding-left:40px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id113" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Security System" transient="false" value="Security System" view="/security_system.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id115" rendered="false" styleClass="menuElementClassGrey" transient="false">
<div>
<HtmlDiv id="j_id117" rendered="true" style="padding-left:40px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id118" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Quality Standards" transient="false" value="Quality Standards" view="/quality_standards.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id120" rendered="true" styleClass="menuElementClassGrey" transient="false">
<div>
<HtmlDiv id="j_id122" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id123" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Our services" transient="false" value="Our services" view="/our_websites.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id125" rendered="true" styleClass="menuElementClassGrey" transient="false">
<div>
<HtmlDiv id="j_id127" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id128" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Contact" transient="false" value="Contact" view="/contact.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id130" rendered="false" transient="false">
<HtmlDiv id="j_id131" rendered="true" styleClass="menuMainClass" transient="false">
<HtmlDiv id="j_id132" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id133" immediate="false" includePageParams="true" propagation="none" rendered="true" style="color:#008DD9;font-weight:bold;" styleClass="menuLinkBlack" title="Products and services" transient="false" value="Products and services" view="/products_and_services.xhtml"/>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id134" rendered="true" styleClass="menuElementClassGreen" transient="false">
<HtmlDiv id="j_id135" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id136" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Payment Capability Evaluation" transient="false" value="Payment Capability Evaluation" view="/reliability_payment_report.xhtml"/>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id137" rendered="false" styleClass="menuElementClassGreen" transient="false">
<div>
<HtmlDiv id="j_id139" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id140" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Payment Capability Evaluation" transient="false" value="Payment Capability Evaluation" view="/reliability_payment_report.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id142" rendered="false" styleClass="menuElementClassGreen" transient="false">
<div>
<HtmlDiv id="j_id144" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id145" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Raport on payment capability" transient="false" value="Raport on payment capability" view="/reliability_payment_report.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id147" rendered="false" styleClass="menuElementClassGreen" transient="false">
<div>
<HtmlDiv id="j_id149" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id150" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Updates of changes" transient="false" value="Updates of changes" view="/report_supplement.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id152" rendered="false" styleClass="menuElementClassGreen" transient="false">
<div>
<HtmlDiv id="j_id154" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id155" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Credibility certificate" transient="false" value="Credibility certificate" view="/reliability_certificate.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id157" rendered="true" styleClass="menuElementClassOrange" transient="false">
<div>
<HtmlDiv id="j_id159" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id160" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Receivable management" transient="false" value="Receivable management" view="/debt_collection_stamp.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id162" rendered="false" styleClass="menuElementClassOrange" transient="false">
<div>
<HtmlDiv id="j_id164" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id165" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Receivable management" transient="false" value="Receivable management" view="/debt_collection_stamp.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id167" rendered="false" styleClass="menuElementClassOrange" transient="false">
<div>
<HtmlDiv id="j_id169" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id170" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Debt collection stamp " transient="false" value="Debt collection stamp " view="/debt_collection_stamp.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id172" rendered="false" styleClass="menuElementClassOrange" transient="false">
<div>
<HtmlDiv id="j_id174" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id175" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Payment monitoring" transient="false" value="Payment monitoring" view="/payments_monitoring.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id177" rendered="false" styleClass="menuElementClassOrange" transient="false">
<div>
<HtmlDiv id="j_id179" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id180" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Individual debt collection" transient="false" value="Individual debt collection" view="/vindication_individual.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id182" rendered="false" styleClass="menuElementClassOrange" transient="false">
<div>
<HtmlDiv id="j_id184" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id185" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="mass debt collection" transient="false" value="mass debt collection" view="/mass_vindication.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id187" rendered="true" styleClass="menuElementClassWine" transient="false">
<div>
<HtmlDiv id="j_id189" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id190" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Database products" transient="false" value="Database products" view="/address_marketing.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id192" rendered="false" styleClass="menuElementClassWine" transient="false">
<div>
<HtmlDiv id="j_id194" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id195" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Database products" transient="false" value="Database products" view="/address_marketing.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id197" rendered="false" styleClass="menuElementClassWine" transient="false">
<div>
<HtmlDiv id="j_id199" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id200" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Marketing addresses" transient="false" value="Marketing addresses" view="/address_marketing.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id202" rendered="false" styleClass="menuElementClassWine" transient="false">
<div>
<HtmlDiv id="j_id204" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id205" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Portfolio and industry analysis" transient="false" value="Portfolio and industry analysis" view="/branch_and_portfolio_analysis.xhtml"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id207" rendered="true" style="margin-top: 10px" styleClass="menuElementClassWine" transient="false">
<div>
<HtmlDiv id="j_id209" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id210" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Systemy Creditreform" transient="false" value="Systemy Creditreform" view="/web_service.html"/>
</HtmlDiv>
</div>
</HtmlDiv>
<HtmlDiv id="j_id212" rendered="false" transient="false">
<HtmlDiv id="j_id213" rendered="true" styleClass="menuElementClassWine" transient="false">
<HtmlDiv id="j_id214" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id215" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Web Service" transient="false" value="Web Service" view="/web_service.xhtml"/>
</HtmlDiv>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id216" rendered="false" styleClass="menuElementClassWine" transient="false">
<HtmlDiv id="j_id217" rendered="true" style="padding-left:25px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id218" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Zac Pool" transient="false" value="Zac Pool" view="/zac_pool.xhtml"/>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id219" rendered="true" style="margin-top: 10px;" transient="false">
<HtmlDiv id="j_id220" rendered="true" styleClass="menuElementClassGrey" transient="false">
<HtmlDiv id="j_id221" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id222" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Membership" transient="false" value="Membership" view="/membership.xhtml"/>
</HtmlDiv>
</HtmlDiv>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id223" rendered="false" transient="false">
<HtmlDiv id="j_id224" rendered="true" styleClass="menuMainClass" transient="false">
<HtmlDiv id="j_id225" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id226" immediate="false" includePageParams="true" propagation="none" rendered="true" style="color:#008DD9;font-weight:bold;" styleClass="menuLinkBlack" title="Publications" transient="false" value="Publications" view="/publications.xhtml">
<UIParameter id="j_id227" name="publicationsYear" rendered="true" transient="false"/>
</HtmlLink>
</HtmlDiv>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id228" rendered="false" transient="false">
<HtmlDiv id="j_id229" rendered="true" styleClass="menuMainClass" transient="false">
<HtmlDiv id="j_id230" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id231" immediate="false" includePageParams="true" propagation="none" rendered="true" style="color:#008DD9;font-weight:bold;" styleClass="menuLinkBlack" title="Impressum" transient="false" value="Impressum" view="/impressum.xhtml"/>
</HtmlDiv>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id232" rendered="false" transient="false">
<HtmlDiv id="j_id233" rendered="true" styleClass="menuMainClass" transient="false">
<HtmlDiv id="j_id234" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id235" immediate="false" includePageParams="true" propagation="none" rendered="true" style="color:#008DD9;font-weight:bold;" styleClass="menuLinkBlack" title="Career" transient="false" value="Career" view="/career.xhtml"/>
</HtmlDiv>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id236" rendered="false" transient="false">
<HtmlDiv id="j_id237" rendered="true" styleClass="menuMainClass" transient="false">
<HtmlDiv id="j_id238" rendered="true" style="padding-left:10px;" styleClass="menuSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id239" immediate="false" includePageParams="true" propagation="none" rendered="true" style="color:#008DD9;font-weight:bold;" styleClass="menuLinkBlack" title="LABEL_best_firms" transient="false" value="LABEL_best_firms" view="/bestFirms.xhtml"/>
</HtmlDiv>
</HtmlDiv>
</HtmlDiv>
</HtmlDiv>
<div class="crefoSlider"> <div id="slider" class="nivoSlider"> <a href="http://www.creditreform.pl/informacje/339/odkryj-tajemnice-innego-przedsiebiorcy"> <img src="/img/slide/a5.jpg" alt=""/></a> <a href="http://www.creditreform.pl/reliability_payment_report.html"> <img src="/img/slide/a3_#{localeSelector.language}.jpg" alt=""/></a> <a href="http://www.creditreform.pl/debt_collection_stamp.html"> <img src="/img/slide/a2_#{localeSelector.language}.jpg" alt=""/></a> <a href="http://www.creditreform.pl/address_marketing.html"><img src="/img/slide/a1_#{localeSelector.language}.jpg" alt=""/></a> </div> </div> <script type="text/javascript" src="/script/jquery.nivo.slider.pack.js"/> <script type="text/javascript"> $jq(window).load(function() { $jq('#slider').nivoSlider(); }); </script>
<HtmlDiv id="j_id241" rendered="true" style="background-color: #E6E6E6;margin-bottom:10px;padding-bottom:20px;" transient="false">
<HtmlDiv id="j_id242" rendered="true" style="padding-top:20px;padding-left:10px;margin-left:20px;" transient="false">
<HtmlOutputText escape="true" id="j_id243" rendered="true" styleClass="blueFontCZone" transient="false" value="Contact 08:00 - 16:00"/>
<br/> <br/>
<HtmlOutputText escape="true" id="j_id245" rendered="true" styleClass="blueFontCZone" transient="false" value="22 440 15 00"/>
<br/> <br/> <a href="mailto:#{messages.LABEL_contact_email}" class="blueFontCZone">#{messages.LABEL_contact_email}</a> <br/>
</HtmlDiv>
<HtmlDiv id="j_id247" rendered="false" styleClass="welcomeDivGrey" transient="false">
<HtmlDiv id="j_id248" rendered="true" style="height:15px;" styleClass="welcomeSubDiv" transient="false">
<HtmlGraphicImage alt="black_pointer" id="j_id249" ismap="false" rendered="true" style="padding-right:5px;" transient="false" url="/img/black_pointer.gif" value="/img/black_pointer.gif"/>
<HtmlLink action=" disabled="false" id="j_id250" immediate="false" includePageParams="true" propagation="default" rendered="true" styleClass="menuLinkBlack" title="Contact Form" transient="false" value="Contact Form" view="/contact.xhtml"/>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id251" rendered="false" styleClass="welcomeDivGrey" transient="false">
<HtmlDiv id="j_id252" rendered="true" style="height:15px;" styleClass="welcomeSubDiv" transient="false">
<HtmlGraphicImage alt="black_pointer" id="j_id253" ismap="false" rendered="true" style="padding-right:5px;" transient="false" url="/img/black_pointer.gif" value="/img/black_pointer.gif"/>
<HtmlLink action=" disabled="false" id="j_id254" immediate="false" includePageParams="true" propagation="default" rendered="true" styleClass="menuLinkBlack" title="Where we are" transient="false" value="Where we are" view="/index.xhtml"/>
</HtmlDiv>
</HtmlDiv>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id255" rendered="true" styleClass="body_center" transient="false">
<HtmlDiv id="j_id256" rendered="true" style="border: 1px solid #EFEFEF; padding: 5px;" transient="false">
<HtmlDiv id="j_id257" rendered="true" style="padding: 10px 10px 0px 10px;" transient="false">
<HtmlLink action=" disabled="false" id="j_id258" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Home Page" transient="false" view="/index.xhtml">
<HtmlOutputText escape="false" id="j_id259" rendered="true" transient="false" value="Home Page "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id260" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="About us" transient="false" view="/about_us.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id261" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id262" rendered="true" transient="false" value="About us "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id263" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Products and services" transient="false" view="/products_and_services.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id264" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id265" rendered="true" transient="false" value="Products and services "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id266" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Publications" transient="false" view="/publications.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id267" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id268" rendered="true" transient="false" value="Publications"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id269" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Membership" transient="false" view="/membership.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id270" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id271" rendered="true" transient="false" value="Membership"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id272" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Impressum" transient="false" view="/impressum.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id273" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id274" rendered="true" transient="false" value="Impressum"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id275" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Career" transient="false" view="/career.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id276" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id277" rendered="true" transient="false" value="Career"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id278" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="News" transient="false" view="/informations.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id279" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id280" rendered="true" transient="false" value="News"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id281" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Informations" transient="false" view="/informations.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id282" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id283" rendered="true" transient="false" value="Informations"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id284" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Events" transient="false" view="/events.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id285" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id286" rendered="true" transient="false" value="Events"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id287" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Creditreform in Poland" transient="false" view="/creditreform_in_poland.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id288" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id289" rendered="true" transient="false" value="Creditreform in Poland"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id290" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Creditreform Group" transient="false" view="/creditreform_group.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id291" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id292" rendered="true" transient="false" value="Creditreform Group"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id293" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="What distinguishes us" transient="false" view="/what_distinguishes_us.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id294" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id295" rendered="true" transient="false" value="What distinguishes us "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id296" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Our services" transient="false" view="/our_websites.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id297" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id298" rendered="true" transient="false" value="Our services"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id299" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Payment Capability Evaluation" transient="false" view="/reliability_payment_report.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id300" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id301" rendered="true" transient="false" value="Payment Capability Evaluation "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id302" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Receivable management" transient="false" view="/debt_collection_stamp.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id303" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/irmg/triangle_light_gray.gif" value="/irmg/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id304" rendered="true" transient="false" value="Receivable management "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id305" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Database products" transient="false" view="/address_marketing.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id306" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id307" rendered="true" transient="false" value="Database products "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id308" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Systemy Creditreform" transient="false" view="/web_service.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id309" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id310" rendered="true" transient="false" value="Systemy Creditreform "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id311" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="LABEL_training_page" transient="false" view="/courses.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id312" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id313" rendered="true" transient="false" value="Trainings "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id314" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="LABEL_searching_for_the_property" transient="false" view="/searching_for_the_property.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id315" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id316" rendered="true" transient="false" value="LABEL_searching_for_the_property "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id317" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="LABEL_business_intelligence" transient="false" view="/business_intelligence.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id318" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id319" rendered="true" transient="false" value="LABEL_business_intelligence "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id320" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="LABEL_detective_analysis" transient="false" view="/detective_analysis.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id321" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id322" rendered="true" transient="false" value="LABEL_detective_analysis "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id323" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Raport on payment capability" transient="false" view="/reliability_payment_report.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id324" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id325" rendered="true" transient="false" value="Raport on payment capability"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id326" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Updates of changes" transient="false" view="/report_supplement.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id327" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id328" rendered="true" transient="false" value="Updates of changes"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id329" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Credibility certificate" transient="false" view="/reliability_certificate.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id330" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id331" rendered="true" transient="false" value="Credibility certificate"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id332" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Debt collection stamp " transient="false" view="/debt_collection_stamp.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id333" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id334" rendered="true" transient="false" value="Debt collection stamp "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id335" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Payment monitoring" transient="false" view="/payments_monitoring.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id336" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id337" rendered="true" transient="false" value="Payment monitoring"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id338" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Individual debt collection" transient="false" view="/vindication_individual.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id339" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id340" rendered="true" transient="false" value="Individual debt collection"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id341" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="mass debt collection" transient="false" view="/mass_vindication.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id342" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id343" rendered="true" transient="false" value="mass debt collection"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id344" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Marketing addresses" transient="false" view="/address_marketing.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id345" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id346" rendered="true" transient="false" value="Marketing addresses"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id347" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Portfolio and industry analysis" transient="false" view="/branch_and_portfolio_analysis.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id348" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id349" rendered="true" transient="false" value="Portfolio and industry analysis"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id350" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Payment Capability Index and PD" transient="false" view="/solvency_index.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id351" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id352" rendered="true" transient="false" value="Payment Capability Index and PD"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id353" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Data origin" transient="false" view="/origin_of_data.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id354" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id355" rendered="true" transient="false" value="Data origin"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id356" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Inner regulations" transient="false" view="/compliance_policy.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id357" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id358" rendered="true" transient="false" value="Inner regulations "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id359" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Web Service" transient="false" view="/web_service.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id360" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id361" rendered="true" transient="false" value="Web Service "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id362" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Zac Pool" transient="false" view="/zac_pool.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id363" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id364" rendered="true" transient="false" value="Zac Pool "/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id365" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Compliance policy" transient="false" view="/compliance_policy.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id366" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id367" rendered="true" transient="false" value="Compliance policy"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id368" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Security System" transient="false" view="/security_system.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id369" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id370" rendered="true" transient="false" value="Security System"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id371" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="Quality Standards" transient="false" view="/quality_standards.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id372" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id373" rendered="true" transient="false" value="Quality Standards"/>
</HtmlLink>
<HtmlLink action=" disabled="false" id="j_id374" immediate="false" includePageParams="true" propagation="none" rendered="false" styleClass="menuLink" title="LABEL_best_firms" transient="false" view="/bestFirms.xhtml">
<HtmlGraphicImage alt="triangle_light_gray" id="j_id375" ismap="false" rendered="true" styleClass="curr_locImg" transient="false" url="/img/triangle_light_gray.gif" value="/img/triangle_light_gray.gif"/>
<HtmlOutputText escape="false" id="j_id376" rendered="true" transient="false" value="LABEL_best_firms "/>
</HtmlLink>
</HtmlDiv>
<div style="margin: 10px;"> <h1 class="articleTitle">
<HtmlOutputText escape="true" id="j_id378" rendered="false" transient="false" value="Sytuacja gospodarcza rzemieślników w Niemczech – raport Creditreform"/>
<HtmlOutputText escape="true" id="j_id379" rendered="true" transient="false" value=""/>
<HtmlOutputText escape="true" id="j_id380" rendered="false" transient="false" value="Sytuacja gospodarcza rzemieślników w Niemczech – raport Creditreform"/>
</h1> <div class="articleLead">
<HtmlOutputText escape="true" id="j_id382" rendered="false" transient="false" value="Rosnące obciążenia finansowe związane z kryzysami obecnej dekady nie oszczędziły niemieckich rzemieślników – tak wynika z ankiety Creditreform Wirtschaftsforschung przeprowadzonej wśród około 1300 przedsiębiorstw rzemieślniczych w Niemczech. Jednak mimo rosnących kosztów i niestabilnych perspektyw dalszego rozwoju gospodarczego – są pewne symptomy ożywienia."/>
<HtmlOutputText escape="true" id="j_id383" rendered="true" transient="false" value=""/>
<HtmlOutputText escape="true" id="j_id384" rendered="false" transient="false" value="Rosnące obciążenia finansowe związane z kryzysami obecnej dekady nie oszczędziły niemieckich rzemieślników – tak wynika z ankiety Creditreform Wirtschaftsforschung przeprowadzonej wśród około 1300 przedsiębiorstw rzemieślniczych w Niemczech. Jednak mimo rosnących kosztów i niestabilnych perspektyw dalszego rozwoju gospodarczego – są pewne symptomy ożywienia."/>
</div> <div style="font-weight: bold; margin: 10px 0px;">
<HtmlOutputLabel converter="javax.faces.convert.DateTimeConverter@5d8275c6" escape="true" id="j_id386" rendered="true" transient="false" value="2023-03-30 14:56:45.0"/>
</div> <div class="articleContent">
<HtmlOutputText escape="false" id="j_id388" rendered="false" transient="false" value="<p>Choć większość badanych firm rzemieślniczych (65,3 proc.) nadal pozytywnie ocenia swoją obecną sytuację biznesową, to w bieżącym badaniu odnotowano lekki spadek oceniających swoją sytuację biznesową jako „bardzo dobrą” lub „dobrą” (w stosunku do 70,4 proc. w ubiegłym roku).</p> <p><br />„Branża rzemieślników cierpi szczególnie z powodu wysokich kosztów energii i wysokiej inflacji. W związku ze spadkiem liczby zamówień i wzrostem stóp procentowych, pojawiają się oznaki pogorszenia koniunktury w transakcjach” – mówi Patrik-Ludwig Hantzsch, szef działu badań ekonomicznych Creditreform.</p> <p><br />Inne wyniki badania wydają się potwierdzać tę tezę - wskazują na to m.in. oczekiwania sprzedażowe spółek. Rzemieślnicy są znacznie bardziej powściągliwi w ocenie oczekiwań sprzedażowych w stosunku do ocen z ubiegłego roku. Jedna trzecia ankietowanych (33,3 proc.) spodziewa się wzrostu sprzedaży – w ubiegłorocznym badaniu było to 41,3 proc. Odsetek pesymistów spodziewających się spadku sprzedaży podwoił się z 8,4 do 16,8 proc.</p> <p><br />- „Znacznie pogorszone perspektywy biznesowe są szczególnie widoczne w oczekiwaniach dotyczących wzrostu wysokości zysków”, mówi Hantzsch.</p> <p><br />W najlepszym przypadku firmy oczekują stabilnych zysków. Prawie co czwarty ankietowany (23,1 proc.) spodziewa się spadku zysków. W porównaniu z rokiem poprzednim wskaźnik ten wzrósł o około 10 proc. Istotnym czynnikiem niepewności dla prognoz biznesowych jest w ocenie analityków Creditreform dalszy przebieg wojny w Ukrainie i jej konsekwencje gospodarcze.</p> <p><br /><strong>Spada skłonność do inwestowania </strong></p> <p><br />Znacznie rzadziej niż w roku poprzednim planowane są nowe inwestycje w zawodach rzemieślniczych. Odsetek firm planujących inwestycje w najbliższej przyszłości, wynoszący 47,3 proc., jest znacznie niższy niż w roku poprzednim (58,2 proc.). Nawet w porównaniu do ostatnich dziesięciu lat, obecna skłonność do inwestowania jest niska.</p> <p><br />- „Dalszy wzrost kosztów finansowania spowalnia ważne inwestycje i zwiastuje obniżenie dynamiki zamówień firm”, wyjaśnia Hantzsch.</p> <p><br />Wyniki badań wykazały, że niska skłonność do inwestycji przyjmuje często postać rezygnacji z pilnie potrzebnych inwestycji odtworzeniowych. Co ważne, również liczba zatrudnionych w zawodach wykwalifikowanych prawie nie wzrosła w ciągu ostatnich dwunastu miesięcy.</p> <p><br />- „Niedobór wykwalifikowanych pracowników w zawodach rzemieślniczych jest znaczny. Nie chodzi tylko o nowe zatrudnienie, ale także o zastępowanie pracowników, którzy stracili pracę” – mówi rzecznik Creditreform.</p> <p><br />Rosnąca niepewność co do perspektyw dalszego rozwoju gospodarczego odciska także piętno na planach dotyczących zwiększania zatrudnienia. Blisko 21 proc. ankietowanych zwiększyło ostatnio zatrudnienie (w zeszłym roku było to 21,3 proc.).</p> <p><br /><strong>Kolejne upadłości rzemieślnicze</strong></p> <p><br />Wskaźniki kapitału własnego w firmach rzemieślniczych nadal pokazują skutki kryzysu związanego z koronawirusem. Udział spółek z niskim poziomem kapitałów własnych utrzymuje się na wysokim poziomie po wzroście w roku poprzednim. Nieco ponad 34 proc. ankietowanych osiągnęło wskaźnik kapitału własnego poniżej 10 proc. (rok poprzedni: 34,3 proc.). Jednocześnie 22,8 proc. ankietowanych osiągnęło współczynnik kapitałów własnych powyżej 30 proc. (rok wcześniej: 22,1 proc.). Znaczący wzrost odnotowano w spółkach o słabym kapitale własnym w głównych branżach budowlanych.</p> <p><br />- „Wiele kryzysów, wygasające środki pomocowe i rosnąca konkurencja powodują napięcia finansowe w handlu”, ostrzega Hantzsch.</p> <p><br />Niskie wskaźniki kapitału własnego i malejące rezerwy już odcisnęły swoje piętno na sytuacji gospodarczej rzemieślników. W 2022 roku liczba upadłości wzrosła aż o 12,0 proc. W ciągu 2022 roku w całym kraju zarejestrowano 3270 upadłości przedsiębiorstw rzemieślniczych (2021: 2920). Niestety procentowy wzrost upadłości wśród rzemieślników był także wyższy niż w całej gospodarce.</p>"/>
<HtmlOutputText escape="false" id="j_id389" rendered="true" transient="false" value=""/>
<HtmlOutputText escape="false" id="j_id390" rendered="false" transient="false" value="<p>Choć większość badanych firm rzemieślniczych (65,3 proc.) nadal pozytywnie ocenia swoją obecną sytuację biznesową, to w bieżącym badaniu odnotowano lekki spadek oceniających swoją sytuację biznesową jako „bardzo dobrą” lub „dobrą” (w stosunku do 70,4 proc. w ubiegłym roku).</p> <p><br />„Branża rzemieślników cierpi szczególnie z powodu wysokich kosztów energii i wysokiej inflacji. W związku ze spadkiem liczby zamówień i wzrostem stóp procentowych, pojawiają się oznaki pogorszenia koniunktury w transakcjach” – mówi Patrik-Ludwig Hantzsch, szef działu badań ekonomicznych Creditreform.</p> <p><br />Inne wyniki badania wydają się potwierdzać tę tezę - wskazują na to m.in. oczekiwania sprzedażowe spółek. Rzemieślnicy są znacznie bardziej powściągliwi w ocenie oczekiwań sprzedażowych w stosunku do ocen z ubiegłego roku. Jedna trzecia ankietowanych (33,3 proc.) spodziewa się wzrostu sprzedaży – w ubiegłorocznym badaniu było to 41,3 proc. Odsetek pesymistów spodziewających się spadku sprzedaży podwoił się z 8,4 do 16,8 proc.</p> <p><br />- „Znacznie pogorszone perspektywy biznesowe są szczególnie widoczne w oczekiwaniach dotyczących wzrostu wysokości zysków”, mówi Hantzsch.</p> <p><br />W najlepszym przypadku firmy oczekują stabilnych zysków. Prawie co czwarty ankietowany (23,1 proc.) spodziewa się spadku zysków. W porównaniu z rokiem poprzednim wskaźnik ten wzrósł o około 10 proc. Istotnym czynnikiem niepewności dla prognoz biznesowych jest w ocenie analityków Creditreform dalszy przebieg wojny w Ukrainie i jej konsekwencje gospodarcze.</p> <p><br /><strong>Spada skłonność do inwestowania </strong></p> <p><br />Znacznie rzadziej niż w roku poprzednim planowane są nowe inwestycje w zawodach rzemieślniczych. Odsetek firm planujących inwestycje w najbliższej przyszłości, wynoszący 47,3 proc., jest znacznie niższy niż w roku poprzednim (58,2 proc.). Nawet w porównaniu do ostatnich dziesięciu lat, obecna skłonność do inwestowania jest niska.</p> <p><br />- „Dalszy wzrost kosztów finansowania spowalnia ważne inwestycje i zwiastuje obniżenie dynamiki zamówień firm”, wyjaśnia Hantzsch.</p> <p><br />Wyniki badań wykazały, że niska skłonność do inwestycji przyjmuje często postać rezygnacji z pilnie potrzebnych inwestycji odtworzeniowych. Co ważne, również liczba zatrudnionych w zawodach wykwalifikowanych prawie nie wzrosła w ciągu ostatnich dwunastu miesięcy.</p> <p><br />- „Niedobór wykwalifikowanych pracowników w zawodach rzemieślniczych jest znaczny. Nie chodzi tylko o nowe zatrudnienie, ale także o zastępowanie pracowników, którzy stracili pracę” – mówi rzecznik Creditreform.</p> <p><br />Rosnąca niepewność co do perspektyw dalszego rozwoju gospodarczego odciska także piętno na planach dotyczących zwiększania zatrudnienia. Blisko 21 proc. ankietowanych zwiększyło ostatnio zatrudnienie (w zeszłym roku było to 21,3 proc.).</p> <p><br /><strong>Kolejne upadłości rzemieślnicze</strong></p> <p><br />Wskaźniki kapitału własnego w firmach rzemieślniczych nadal pokazują skutki kryzysu związanego z koronawirusem. Udział spółek z niskim poziomem kapitałów własnych utrzymuje się na wysokim poziomie po wzroście w roku poprzednim. Nieco ponad 34 proc. ankietowanych osiągnęło wskaźnik kapitału własnego poniżej 10 proc. (rok poprzedni: 34,3 proc.). Jednocześnie 22,8 proc. ankietowanych osiągnęło współczynnik kapitałów własnych powyżej 30 proc. (rok wcześniej: 22,1 proc.). Znaczący wzrost odnotowano w spółkach o słabym kapitale własnym w głównych branżach budowlanych.</p> <p><br />- „Wiele kryzysów, wygasające środki pomocowe i rosnąca konkurencja powodują napięcia finansowe w handlu”, ostrzega Hantzsch.</p> <p><br />Niskie wskaźniki kapitału własnego i malejące rezerwy już odcisnęły swoje piętno na sytuacji gospodarczej rzemieślników. W 2022 roku liczba upadłości wzrosła aż o 12,0 proc. W ciągu 2022 roku w całym kraju zarejestrowano 3270 upadłości przedsiębiorstw rzemieślniczych (2021: 2920). Niestety procentowy wzrost upadłości wśród rzemieślników był także wyższy niż w całej gospodarce.</p>"/>
</div>
<HtmlDiv id="j_id392" rendered="false" transient="false">
<HtmlDiv id="j_id393" rendered="true" styleClass="sectionStyle" transient="false">
<HtmlDiv id="j_id394" rendered="true" style="margin: 6px;" styleClass="blueFontCZone" transient="false">
<HtmlOutputText escape="false" id="j_id395" rendered="true" transient="false" value="Attachments"/>
</HtmlDiv>
</HtmlDiv>
<UIRepeat id="j_id396" offset="0" rendered="true" size="-1" transient="false" var="attach">
<div> <a href="/image?name=#{attach.docName}&aid=#{article.id}" target="_blank" class="menuLinkBlack" style="line-height: 25px;">
<HtmlOutputText escape="true" id="j_id398" rendered="true" transient="false"/>
</a> </div>
</UIRepeat>
</HtmlDiv>
</div>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id401" rendered="true" styleClass="body_right" transient="false">
<HtmlDiv id="j_id402" rendered="true" styleClass="see_also" transient="false">
<HtmlDiv id="j_id403" rendered="true" style="padding-top:20px;padding-left:10px;margin-left:20px;padding-bottom:10px;" transient="false">
<HtmlOutputText escape="false" id="j_id404" rendered="true" styleClass="blueFontCZone" transient="false" value="See also:"/>
</HtmlDiv>
<HtmlDiv id="j_id405" rendered="true" styleClass="welcomeDivGrey" transient="false">
<HtmlDiv id="j_id406" rendered="true" style="height:15px;" styleClass="welcomeSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id407" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="News" transient="false" value="News" view="/informations.xhtml"/>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id408" rendered="true" styleClass="welcomeDivGrey" transient="false">
<HtmlDiv id="j_id409" rendered="true" style="height:15px;" styleClass="welcomeSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id410" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="About us" transient="false" value="About us" view="/about_us.xhtml"/>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id411" rendered="true" styleClass="welcomeDivGrey" transient="false">
<HtmlDiv id="j_id412" rendered="true" style="height:15px;" styleClass="welcomeSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id413" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Products and services" transient="false" value="Products and services" view="/products_and_services.xhtml"/>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id414" rendered="true" styleClass="welcomeDivGrey" transient="false">
<HtmlDiv id="j_id415" rendered="true" style="height:15px;" styleClass="welcomeSubDiv" transient="false">
<HtmlLink action=" disabled="false" id="j_id416" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLinkBlack" title="Publications" transient="false" value="Publications" view="/publications.xhtml"/>
</HtmlDiv>
</HtmlDiv>
</HtmlDiv>
<HtmlDiv id="j_id417" rendered="false" transient="false">
<HtmlAjaxOutputPanel ajaxRendered="false" id="newsletterPanel" keepTransient="true" layout="block" rendered="true" styleClass="newsletterForm" transient="false">
<HtmlDiv id="j_id418" rendered="false" style="padding-top: 10px; padding-bottom: 20px; text-align: center; " transient="false">
<HtmlOutputText escape="true" id="j_id419" rendered="true" style="font-size: 13px; font-weight: bold;" transient="false" value="Dziękujemy za zapisanie się na nasz newsletter."/>
</HtmlDiv>
<AjaxForm ajaxSingle="false" ajaxSubmit="false" bypassUpdates="false" id="newsletterForm" ignoreDupResponses="false" iterationState="false" limitToList="false" prependId="true" rendered="true" requestDelay="-2147483648" submitted="false" timeout="-2147483648" transient="false">
<table> <tr> <td>Pan/Pani</td> <td>
<HtmlSelectOneMenu disabled="false" id="j_id421" immediate="false" localValueSet="false" readonly="false" rendered="true" required="false" transient="false" valid="true" value="false">
<UISelectItem id="j_id422" itemDisabled="false" itemEscaped="true" itemLabel="Pan" itemValue="true" rendered="true" transient="false"/>
<UISelectItem id="j_id423" itemDisabled="false" itemEscaped="true" itemLabel="Pani" itemValue="false" rendered="true" transient="false"/>
</HtmlSelectOneMenu>
</td> </tr> <tr> <td>Firma:</td> <td>
<HtmlInputText disabled="false" id="j_id425" immediate="false" localValueSet="false" maxlength="-2147483648" readonly="false" rendered="true" required="false" size="-2147483648" transient="false" valid="true"/>
</td> </tr> <tr> <td>Imię:</td> <td>
<HtmlInputText disabled="false" id="j_id427" immediate="false" localValueSet="false" maxlength="-2147483648" readonly="false" rendered="true" required="false" size="-2147483648" transient="false" valid="true"/>
</td> </tr> <tr> <td>Nazwisko:</td> <td>
<HtmlInputText disabled="false" id="j_id429" immediate="false" localValueSet="false" maxlength="-2147483648" readonly="false" rendered="true" required="false" size="-2147483648" transient="false" valid="true"/>
</td> </tr> <tr> <td>Adres e-mail:</td> <td>
<HtmlDecorate element="div" enclose="true" id="emailDec" rendered="true" template="/layout/required.xhtml" transient="false">
<span>
<HtmlValidateAll id="j_id432" rendered="true" transient="false" validatorsAdded="false">
<HtmlInputText disabled="false" id="emailNewsletter" immediate="false" localValueSet="false" maxlength="-2147483648" readonly="false" rendered="true" required="true" size="-2147483648" styleClass="" transient="false" valid="true" validatorMessage="Proszę wprowadzić poprawny adres e-mail."/>
</HtmlValidateAll>
<HtmlSpan id="j_id433" rendered="false" styleClass="requierdfield requierd" transient="false">
*
</HtmlSpan>
</span>
</HtmlDecorate>
<HtmlRichMessage ajaxRendered="true" for="newsletterForm:emailDec:emailNewsletter" id="j_id436" keepTransient="false" rendered="true" showDetail="true" showSummary="false" styleClass="valid_err" tooltip="false" transient="false"/>
</td> </tr> <tr> <td colspan="3" align="center">
<HtmlAjaxCommandButton action="#{newsletter.addNewsletterSubscriber}" actionExpression="#{newsletter.addNewsletterSubscriber}" ajaxSingle="false" bypassUpdates="false" disabled="false" eventsQueue="spinnerQueue" id="commandLink" ignoreDupResponses="false" immediate="false" limitToList="false" rendered="true" requestDelay="-2147483648" size="-2147483648" timeout="-2147483648" transient="false" value="Zapisz się na newsletter"/>
</td> </tr> </table>
</AjaxForm>
</HtmlAjaxOutputPanel>
</HtmlDiv>
<HtmlDiv id="j_id439" rendered="true" styleClass="logoTypesBox" transient="false">
<HtmlOutputText escape="false" id="j_id440" rendered="true" styleClass="blueFontCZone" transient="false" value="We cooperate with"/>
<br/> <br/> <a href="http://www.febis.org/" target="_blank">
<HtmlGraphicImage alt="Federation of Business Information Service" id="j_id442" ismap="false" rendered="true" style="border: 1px solid #E6E6E6;" transient="false" url="/img/logoType2.png" value="/img/logoType2.png" width="230"/>
</a> <br/> <br/> <a href="http://monitorurzedowy.pl/" target="_blank">
<HtmlGraphicImage alt="Monitor Urzędowy" id="j_id444" ismap="false" rendered="true" style="border: 1px solid #E6E6E6;" transient="false" url="/img/logoType3.jpg" value="/img/logoType3.jpg" width="230"/>
</a> <br/> <br/> <a href="https://ahk.pl/" target="_blank">
<HtmlGraphicImage alt="Polsko-Niemiecka Izba Przemysłowo-Handlowa" id="j_id446" ismap="false" rendered="true" style="border: 1px solid #E6E6E6;" transient="false" url="/img/logo_ahk.jpg" value="/img/logo_ahk.jpg" width="230"/>
</a>
</HtmlDiv>
</HtmlDiv>
</HtmlDiv>
</div> <div class="footer">
<HtmlDiv id="j_id449" rendered="true" style="float:left;padding-top:20px;padding-bottom:20px; " transient="false">
<table class="footerTable" style="width: 972px; border-top: 2px solid #008DD9; background-color: #EFEFEF; padding: 15px 0px 15px 0px;"> <tr> <td><div class="footerTableTitle">
<HtmlOutputText escape="false" id="j_id451" rendered="true" transient="false" value="About us"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id453" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Creditreform Group" transient="false" value="Creditreform Group" view="/creditreform_group.xhtml"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id455" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Creditreform in Poland" transient="false" value="Creditreform in Poland" view="/creditreform_in_poland.xhtml"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id457" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="What distinguishes us" transient="false" value="What distinguishes us" view="/what_distinguishes_us.xhtml"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id459" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Our services" transient="false" value="Our services" view="/our_websites.xhtml"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id461" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Contact" transient="false" value="Contact" view="/contact.xhtml"/>
</div></td> <td><div class="footerTableTitle">
<HtmlOutputText escape="false" id="j_id463" rendered="true" transient="false" value="Payment Capability Evaluation"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id465" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Raport on payment capability" transient="false" value="Raport on payment capability" view="/reliability_payment_report.xhtml"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id467" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Updates of changes" transient="false" value="Updates of changes" view="/report_supplement.xhtml"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id469" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Credibility certificate" transient="false" value="Credibility certificate" view="/reliability_certificate.xhtml"/>
</div></td> <td><div class="footerTableTitle">
<HtmlOutputText escape="false" id="j_id471" rendered="true" transient="false" value="Receivable management"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id473" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Debt collection stamp " transient="false" value="Debt collection stamp " view="/debt_collection_stamp.xhtml"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id475" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Payment monitoring" transient="false" value="Payment monitoring" view="/payments_monitoring.xhtml"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id477" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Individual debt collection" transient="false" value="Individual debt collection" view="/vindication_individual.xhtml"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id479" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="mass debt collection" transient="false" value="mass debt collection" view="/mass_vindication.xhtml"/>
</div></td> <td style="border-right: 0px solid #E6E6E6;"><div class="footerTableTitle">
<HtmlOutputText escape="false" id="j_id481" rendered="true" transient="false" value="Database products"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id483" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Marketing addresses" transient="false" value="Marketing addresses" view="/address_marketing.xhtml"/>
</div> <div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id485" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Portfolio and industry analysis" transient="false" value="Portfolio and industry analysis" view="/branch_and_portfolio_analysis.xhtml"/>
</div></td> </tr> </table>
<HtmlDiv id="j_id487" rendered="true" style="padding-top:20px;text-align:center; " transient="false">
<div class="footerMenuLink">
<HtmlLink action=" disabled="false" id="j_id489" immediate="false" includePageParams="true" propagation="none" rendered="true" styleClass="menuLink" title="Contact" transient="false" value="Contact" view="/contact.xhtml"/>
</div>
</HtmlDiv>
<HtmlDiv id="j_id491" rendered="true" style="padding-top:20px;text-align:center; font-size:10px;padding-bottom:10px;" transient="false">
<HtmlOutputText escape="false" id="j_id492" rendered="true" transient="false" value="© "/>
<HtmlOutputText converter="javax.faces.convert.DateTimeConverter@4fd9730d" escape="false" id="j_id493" rendered="true" transient="false" value="Thu Apr 18 09:16:28 CEST 2024"/>
<HtmlOutputText escape="false" id="j_id494" rendered="true" transient="false" value=" Creditreform Polska Sp. z o.o. | Adama Mickiewicza 63 | 01-625 Warszawa <br/>ph.:(+48) 22 440 15 00 | fax.:(+48) 22 440 15 06 | e-mail: creditreform@creditreform.pl"/>
<a class="menuLinkBlack" style="font-size: 10px;" href="mailto:#{messages.LABEL_contact_text4_2}">
<HtmlOutputText escape="true" id="j_id496" rendered="true" transient="false" value="creditreform@creditreform.pl"/>
</a>
</HtmlDiv>
</HtmlDiv>
<script type="text/javascript"> // <![CDATA[ jQuery(document).ready(function(){ jQuery('#RODO_button').click(function() { Cookies.set('RODO_INFO', 'true', { expires: 365 }); #{rich:component('modalPanelRODO')}.hide(); }); if (Cookies.get('RODO_INFO') !== 'true') { #{rich:component('modalPanelRODO')}.show(); } }); //]]> </script>
<HtmlModalPanel autosized="true" controlsClass="" headerClass="" height="-1" id="modalPanelRODO" immediate="false" keepVisualState="false" left="auto" localValueSet="false" minHeight="-1" minWidth="-1" moveable="true" onbeforehide="" onbeforeshow="" onhide="" onmaskclick="" onmaskcontextmenu="" onmaskdblclick="" onmaskmousedown="" onmaskmousemove="" onmaskmouseout="" onmaskmouseover="" onmaskmouseup="" onmove="" onresize="" onshow="" overlapEmbedObjects="false" rendered="true" required="false" resizeable="false" showWhenRendered="false" top="auto" transient="false" tridentIVEngineSelectBehavior="disable" trimOverlayedElements="true" valid="true" width="600" zindex="100">
header
<HtmlPanelGroup id="j_id499" rendered="true" transient="false">
<HtmlOutputText escape="true" id="j_id500" rendered="true" transient="false" value="Message"/>
</HtmlPanelGroup>
<HtmlPanelGroup id="j_id501" rendered="true" transient="false">
<div style="padding: 15px; text-align: left; line-height: 1.7; height: 400px; overflow-y: scroll;"> <p>
<HtmlOutputText escape="false" id="j_id503" rendered="true" transient="false" value="<P LANG="en-GB" ALIGN=CENTER STYLE="margin-top: 0.21cm; margin-bottom: 0cm; line-height: 95%"> <FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><B>INFORMATION CLAUSE</B></FONT></FONT></P> <P LANG="en-US" ALIGN=CENTER STYLE="margin-top: 0.21cm; margin-bottom: 0cm; line-height: 95%"> <BR> </P> <P LANG="en-GB" ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"> <FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><B>In relation to the provisions of the General Data Protection Regulation of 27 April 2016, (GDPR) we kindly inform you:</B></FONT></FONT></P> <P ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">1.<B> The Data Controller/processor</B></SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"> of your personal data is </SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"><B>Creditreform Polska Sp. z o.o. </B></SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">with the registered office of the Data controller at: ul. Adama Mickiewicza 63 01-625, Warsaw;</SPAN></FONT></FONT></P> <P ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">2. We process the</SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"><B> following data:</B></SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"> names and surnames, places of running the business operations and other contact details, data regarding economic events, professional career. We do not process sensitive personal information or minors personal information. </SPAN></FONT></FONT> </P> <P LANG="en-GB" ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"> <FONT FACE="Tahoma, sans-serif"><FONT SIZE=2>3. data shall be processed: </FONT></FONT> </P> <UL> <LI><P ALIGN=JUSTIFY STYLE="line-height: 95%"><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">for the purpose of performance of projects connected with surveying the payment credibility, payment monitoring, business analyses of economic entities</SPAN></FONT></FONT></P> <LI><P LANG="en-GB" ALIGN=JUSTIFY STYLE="line-height: 95%"><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2>for the purpose of collecting and managing receivables </FONT></FONT> </P> </UL> <P ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">4.<B> This basis for processing</B></SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"> is:</SPAN></FONT></FONT></P> <OL> <LI><P ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"> <FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">voluntary consent expressed through contact with us - according to Article 6. Section 1 letter a) GDPR or </SPAN></FONT></FONT> </P> <LI><P ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"> <FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">agreement between the data controller and natural person whose data are processed - according to Article 6. Section 1 letter b) GDPR or</SPAN></FONT></FONT></P> <LI><P ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"> <FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">legitimate interests pursued by Creditreform or by a third party - according to Article 6. Section 1 letter f) GDPR – on this basis we process information made available in public registers such as National Court Register, Central Registration and Information on Business, court files, National Official Business Register and other publicly available information made openly available such as proprietary webpages, social networks, ad and marketing materials.</SPAN></FONT></FONT></P> </OL> <P ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">5. Your personal data shall be </SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"><B>stored</B></SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"> maximally for the term necessary for the performance of legitimate interests of the company or protection of your personal data. </SPAN></FONT></FONT> </P> <P ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">6. You have the </SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"><B>right </B></SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">to access the contents of your personal data and you have the right to rectify them, erase them, restrict their processing, right to data portability and the right to withdraw the consent. </SPAN></FONT></FONT> </P> <P ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">7. In the event of </SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"><B>infringement</B></SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"> of the provision of General Data Protection Regulation (GDPR) you have the right to file a complaint to the supervisory authority;</SPAN></FONT></FONT></P> <P ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">8.<B> We do not make decisions </B></SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">based exclusively on </SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"><B>automated profiling</B></SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"> of personal data;</SPAN></FONT></FONT></P> <P ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">9. We </SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"><B>secure</B></SPAN></FONT></FONT><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB"> the possessed personal data against unauthorised access of third parties. Exclusively authorised persons have access to applications with personal data and only in the necessary scope and the access to systems is implemented through a unique identifier and secured with access password.</SPAN></FONT></FONT></P> <P ALIGN=JUSTIFY STYLE="margin-top: 0.21cm; line-height: 95%"><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">10 In matters relating to processing of your personal data you can contact us in writing at the address: ul. Adama Mickiewicza 63 01-625, Warsaw or at: </SPAN></FONT></FONT><FONT COLOR="#0563c1"><U><A HREF="mailto:reklamacje@creditreform.pl"><FONT FACE="Tahoma, sans-serif"><FONT SIZE=2><SPAN LANG="en-GB">reklamacje@creditreform.pl</SPAN></FONT></FONT></A></U></FONT></P> "/>
</p> </div> <div style="text-align: center;"> <button id="RODO_button" class="button-gray">#{messages.BUTTON_LABEL_OK}</button> </div>
</HtmlPanelGroup>
</HtmlModalPanel>
<HtmlModalPanel autosized="false" controlsClass="" headerClass="login-header" height="-1" id="easterPanel" immediate="false" keepVisualState="false" left="auto" localValueSet="false" minHeight="-1" minWidth="-1" moveable="true" onbeforehide="" onbeforeshow="" onhide="" onmaskclick="" onmaskcontextmenu="" onmaskdblclick="" onmaskmousedown="" onmaskmousemove="" onmaskmouseout="" onmaskmouseover="" onmaskmouseup="" onmove="" onresize="" onshow="" overlapEmbedObjects="false" rendered="true" required="false" resizeable="false" showWhenRendered="false" style="text-align: center" styleClass="noMaskClass" top="auto" transient="false" tridentIVEngineSelectBehavior="disable" trimOverlayedElements="true" valid="true" width="-1" zindex="100">
controls
<HtmlPanelGroup id="j_id505" rendered="true" transient="false">
<HtmlGraphicImage id="easternCloseImg" ismap="false" rendered="true" style="padding-top: 2px; padding-right: 1px" transient="false" url="/img/close.png" value="/img/close.png"/>
<HtmlComponentControl attachTiming="onavailable" attachTo="easternCloseImg" disableDefault="false" event="onclick" for="easterPanel" id="j_id506" name="" operation="hide" params="" rendered="true" transient="false"/>
</HtmlPanelGroup>
<div id="easterPanelImageWrapper"> <img src="/img/easterCard_#{localeSelector.localeString}.jpg" width="100%" height="100%"/> </div> <br/> <button id="easterCardButton" onclick="#{rich:component('easterPanel')}.hide();">#{messages.BUTTON_LABEL_CLOSE}</button>
</HtmlModalPanel>
<HtmlModalPanel autosized="false" controlsClass="" headerClass="login-header" height="-1" id="christmasPanel" immediate="false" keepVisualState="false" left="auto" localValueSet="false" minHeight="-1" minWidth="-1" moveable="true" onbeforehide="" onbeforeshow="" onhide="" onmaskclick="" onmaskcontextmenu="" onmaskdblclick="" onmaskmousedown="" onmaskmousemove="" onmaskmouseout="" onmaskmouseover="" onmaskmouseup="" onmove="" onresize="" onshow="" overlapEmbedObjects="false" rendered="true" required="false" resizeable="false" showWhenRendered="false" style="text-align: center" styleClass="noMaskClass" top="auto" transient="false" tridentIVEngineSelectBehavior="disable" trimOverlayedElements="true" valid="true" width="-1" zindex="100">
controls
<HtmlPanelGroup id="j_id508" rendered="true" transient="false">
<HtmlGraphicImage id="christmasCloseImg" ismap="false" rendered="true" style="padding-top: 2px; padding-right: 1px" transient="false" url="/img/close.png" value="/img/close.png"/>
<HtmlComponentControl attachTiming="onavailable" attachTo="christmasCloseImg" disableDefault="false" event="onclick" for="christmasPanel" id="j_id509" name="" operation="hide" params="" rendered="true" transient="false"/>
</HtmlPanelGroup>
<div id="christmasPanelImageWrapper"> <img src="/img/christmasCard_#{localeSelector.localeString}.jpg" width="100%" height="100%"/> </div> <br/> <button id="christmasCardButton">#{messages.BUTTON_LABEL_CLOSE}</button>
</HtmlModalPanel>
<HtmlModalPanel autosized="true" controlsClass="" headerClass="login-header" height="-1" id="freeOnlineReport" immediate="false" keepVisualState="false" left="auto" localValueSet="false" minHeight="-1" minWidth="-1" moveable="true" onbeforehide="" onbeforeshow="" onhide="" onmaskclick="" onmaskcontextmenu="" onmaskdblclick="" onmaskmousedown="" onmaskmousemove="" onmaskmouseout="" onmaskmouseover="" onmaskmouseup="" onmove="" onresize="" onshow="" overlapEmbedObjects="false" rendered="true" required="false" resizeable="false" showWhenRendered="false" style="text-align: center" styleClass="noMaskClass" top="auto" transient="false" tridentIVEngineSelectBehavior="disable" trimOverlayedElements="true" valid="true" width="-1" zindex="100">
controls
<HtmlPanelGroup id="j_id511" rendered="true" transient="false">
<HtmlGraphicImage id="freeOnlineReportImg" ismap="false" rendered="true" style="padding-top: 2px; padding-right: 1px" transient="false" url="/img/close.png" value="/img/close.png"/>
<HtmlComponentControl attachTiming="onavailable" attachTo="freeOnlineReportImg" disableDefault="false" event="onclick" for="freeOnlineReport" id="j_id512" name="" operation="hide" params="" rendered="true" transient="false"/>
</HtmlPanelGroup>
<div id="freeOnlineReportImageWrapper">
<HtmlLink action=" disabled="false" id="j_id514" immediate="false" includePageParams="true" propagation="default" rendered="true" transient="false" view="/landing_page7.xhtml">
<img src="/img/freeOnlineReport.png" width="970" height="100%"/>
</HtmlLink>
</div> <br/> <button id="freeOnlineReportButton">#{messages.BUTTON_LABEL_CLOSE}</button>
</HtmlModalPanel>
<div style="display: block; position: fixed; bottom: 0px; left: 0px; width: 100%; height: auto; background: none; z-index: 1000;" id="fixedcontainer"> <div style="display: none; position: relative; top: 0px; left: 0px; width: 100%; font-size: 13px; height: auto; background: none repeat scroll 0% 0% rgb(0, 0, 0); opacity: 0.8; color: rgb(255, 255, 255); font-family: arial; text-align: center; z-index: 1000;" id="cookiesdirective"> <div style="position: relative; height: auto; width: 90%; padding: 15px; margin-left: auto; margin-right: auto; text-align: justify; line-height:150%;">
<HtmlOutputText escape="true" id="j_id518" rendered="true" transient="false" value="Please be advised that the websites of Creditreform Polska sp. z o.o use cookies to work correctly. Lack of permission for the installation of cookies can be expressed through browser settings. To learn more, "/>
<HtmlLink action=" disabled="false" id="cookiesdirectiveLink" immediate="false" includePageParams="true" propagation="none" rendered="true" style="font-size: 13px; text-decoration: none; color: #fff; font-weight: normal" title="clickHere" transient="false" value=" clickHere" view="/user_privacy.xhtml"/>
<input type="submit" value="#{messages.BUTTON_LABEL_OK}" id="cookiesdirectiveButton" style="height: 20px; font-size: 11px; line-height: 20px; margin: 0px auto; display: block;"/> </div> </div> </div> <script type="text/javascript"> function changeEsterCardSize() { var height = viewportSize.getHeight() - 150; var width = 0.74 * height; jQuery('#easterPanelImageWrapper').css('height', height + 'px'); jQuery('#easterPanelImageWrapper').css('width', width + 'px'); jQuery('#easterPanelContentDiv').css('height', (height + 60) + 'px'); jQuery('#easterPanelContentDiv').css('width', (width + 30) + 'px'); jQuery('#easterPanelCDiv').css('left', ((viewportSize.getWidth() - (width + 60)) / 2) + 'px'); jQuery('#easterPanelCDiv').css('top', ((viewportSize.getHeight() - (height + 60)) / 2) + 'px'); } function changeChristmasCardSize() { var height = viewportSize.getHeight() - 150; var width = 0.74 * height; jQuery('#christmasPanelImageWrapper').css('height', height + 'px'); jQuery('#christmasPanelImageWrapper').css('width', width + 'px'); jQuery('#christmasPanelContentDiv').css('height', (height + 60) + 'px'); jQuery('#christmasPanelContentDiv').css('width', (width + 30) + 'px'); jQuery('#christmasPanelCDiv').css('left', ((viewportSize.getWidth() - (width + 60)) / 2) + 'px'); jQuery('#christmasPanelCDiv').css('top', ((viewportSize.getHeight() - (height + 60)) / 2) + 'px'); } // <![CDATA[ jQuery(document).ready(function(){ jQuery('#cookiesdirectiveButton').click(function() { Cookies.set('cookieLawInfo', 'true', { expires: 365 }); jQuery('#cookiesdirective').css('display', 'none'); }); jQuery('#easterCardButton').click(function() { Cookies.set('cookieEasternCard', 'true', { expires: 365 }); }); jQuery('#christmasCardButton').click(function() { #{rich:component('christmasPanel')}.hide(); Cookies.set('cookieChristmasCard', 'true', { expires: 365 }); }); jQuery('#easternCloseImg').click(function() { Cookies.set('cookieEasternCard', 'true', { expires: 365 }); }); jQuery('#christmasCloseImg').click(function() { Cookies.set('cookieChristmasCard', 'true', { expires: 365 }); }); if(Cookies.get('cookieLawInfo') !== 'true') { jQuery('#cookiesdirective').css('display', 'block'); } var easterEnds = new Date(2020, 3, 14, 0, 0, 0, 0); var current = new Date(); if (Cookies.get('cookieEasternCard') !== 'true' && current < easterEnds) { #{rich:component('easterPanel')}.show(); changeEsterCardSize(); } var christmasEnds = new Date(2020, 0, 2, 0, 0, 0, 0); if (Cookies.get('cookieChristmasCard') !== 'true' && current < christmasEnds) { #{rich:component('christmasPanel')}.show(); changeChristmasCardSize(); } jQuery('#freeOnlineReportButton').click(function() { #{rich:component('freeOnlineReport')}.hide(); Cookies.set('cookieFreeOnlineReport', 'true', { expires: 365 }); }); jQuery('#freeOnlineReportImageWrapper').click(function() { jQuery.cookie('cookieFreeOnlineReport', 'true', { expires: 365 }); }); var freeOnlineReportsEnds = new Date(2016, 8, 30, 0, 0, 0, 0); if (Cookies.get('cookieFreeOnlineReport') !== 'true' && current < freeOnlineReportsEnds ) { #{rich:component('freeOnlineReport')}.show(); } }); //]]> </script>
</div> </body> </html>
</AjaxViewRoot>

+ Scoped Variables

Request Parameters
NameValue
actionMethodinformation.xhtml:localeChanger.englishAction
articleId758
articleTitleSytuacja-gospodarcza-rzemieślników-w-Niemczech-–-raport-Creditreform
Request Attributes
NameValue
ajaxContextorg.ajax4jsf.context.AjaxContextImpl@4f81185f
articleId758
articleTitleSytuacja-gospodarcza-rzemieślników-w-Niemczech-–-raport-Creditreform
localeChangernsi.credit.common.ChangeLocaleBean@49ddb6e7
localeSelectororg.jboss.seam.international.LocaleSelector@73fd65f
nowThu Apr 18 09:16:28 CEST 2024
Session Attributes
NameValue
userStatensi.credit.model.seam.UserState@3fa9cae
Application Attributes
NameValue
imageCacheControlFilterorg.jboss.seam.web.CacheControlFilter@2eb9e334
securityRulesorg.jboss.seam.drools.RuleBase@2611747f
sessionIdFilternsi.credit.filter.SessionIdFilter@7e1e5f93
textCacheControlFilterorg.jboss.seam.web.CacheControlFilter@275c0529
2024-04-18 09:16:28 - Generated by Facelets