B2B支付实践趋势，斯洛伐克2025 Sīluōfákā 2025 nián B2B zhīfù shíjiàn qūshì
B2B paymentpractices trends About the Atradius The Atradius Payment Practices Barometer is an annual survey ofbusiness-to-business (B2B) payment practices in markets across the Our survey gives you the opportunity to hear directly from businessestrading on credit with B2B customers about how they are coping withevolving trends in customer payment behaviour. Staying informedabout these trends is vital because it helps to identify emerging shifts in Businesses operating in – or planning to enter – the markets andindustries covered by our survey can gain valuable insights from ourreports, which also shed light on the challenges and risks companies This report presents the survey results forSlovakia. The survey was conducted between the end of Q1 and mid- Q2 2025.Survey findings should therefore be viewed with this in mind. B2B paymentpractices trends Liquidity concerns amid high levels of latepayments and bad debts A persistent challenge in managing B2B customer payment behaviour isevident in our survey of companies in Slovakia. Slower paymentcollection means overdue invoices now account for almost 60% of allB2B sales, a figure which reflects sustained liquidity issues amongbuyers. Payments are typically collected about 40 days past due, While 43% of B2B sales across all industries are transacted on credit, arisk-averse approach remains evident in the pharmaceutical sector,where most transactions continue to be conducted with upfrontpayments. More companies have increased their trade credit offerings Fluctuations in Days Sales Outstanding (DSO) were contained by around50% of firms in Slovakia, although slow collections and stagnantinventory, reported by half of the companies, continue to tie up liquidity.Days Payables Outstanding (DPO) was equally split between those Risk mitigation strategies are largely built around a mix of in-houseprovisioning and outsourced credit management involving insurance,especially in higher-risk sectors. This cautious credit environment,combined with liquidity pressures and significant bad debt levels, points Key figures and charts Slovakia Slovakia % of the total value of B2B invoices paid on time, What are the top 4 reasons your B2B customers payinvoices late? (% of respondents - multiple responses) Customer’s liquidity issues Source: Atradius Payment Practices Barometer Slovakia –2025 Slovakia Slovakia % of respondents reporting changes in Days SalesOutstanding (DSO)* over the past 12 months What are the main sources of financing that yourcompany used during the past 12 months? 53% Bank loans 51% Invoice financing 41% Trade credit(% of respondents - multiple response) (% of respondents) Sample: all survey respondentsSource: Atradius Payment Practices Barometer Slovakia –2025 Looking ahead Widespread worry over rising insolvencyrisk and pressure on profitability 70% of companies In Slovakia anticipate an increase in B2B customerinsolvencies in the coming months amid growing unpredictability inthe trading landscape. The remainder are split between those who donot foresee a rise and those uncertain about the outlook. Thiscautious sentiment is mirrored in expectations for payment A similar outlook is seen for inventory turnover, with businessesevenly split between those expecting no change and thoseanticipating stock build-up. This points to limited cash release frominventory and the risk of operational inefficiencies. Most companies Our survey finds widespread uncertainty among businesses inSlovakia about expectations for sales growth during the monthsahead. There is a high degree of pessimism regarding the outlook forprofitability, with cost pressures and slower payment cycles expected Key concerns for the year ahead among firms in Slovakia includerising borrowing costs and limited access to bank finance, whichcould tighten liquidity further. Companies also cite the need to remainadaptable to sudden economic shifts as a top priority. Overall, the Key industry insights Pharma Most pharma companies have kept trade credit offerings unchangedin recent months. On average 40% of B2B sales are made on credit,reflecting preference for upfront payments and controlled riskexposure. Payment terms have remained steady for most companies,typically capped at 60 days from invoicing. This restraint hasn’timproved customer payment behaviour. Late payments remainprevalent, with 60% of B2B invoices currently overdue. Persistentdelays are largely attributed to liquidity constraints among buyers, Despite efforts to control DSO volatility, stagnant inventory levelsmean much liquidity remains tied up in stock or receivables. DPOtrends are similar, with many businesses extending payment periodsto suppliers. Invoice financing is the primary source of externalfunding. Payment risk mitigation mostly combines in-houseprovisioning with outsourced solutions involving insurance, anincreasingly strategic choice given financial uncertainty. 86% of Slovakia - Pharma Top 5 c
