B2B payment practice trends, Romania 2025

B2B paymentpractices trends In this report About the Atradius The Atradius Payment Practices Barometer is an annual survey ofbusiness-to-business (B2B) payment practices in markets across theworld. 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 forRomania. 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 Focus on proactive credit risk strategies keyto financial stability The payment behaviour of B2B customers has remained largely stable,and almost 50% of companies in Romania report no significantvariation in recent months. However, this means that businessesaccustomed to late payments continue to experience delays. Overdue 52% of B2B sales are currently conducted on credit, which leavescompanies in Romania particularly exposed to customer payment risks.This aligns with broader trends showing increased credit offeringsacross industries. Despite this growing credit exposure, most About half of all businesses say they have managed to contain DaysSales Outstanding (DSO) fluctuations, indicating modest success inprotecting liquidity via timely collections. However, inventory build-upremains a concern, with more firms noting slower turnover. This ties upliquidity, reducing funds available for day-to-day operations. DaysPayable Outstanding (DPO) has remained steady for the majority of Around 50% of companies rely primarily on bank loans and internalfunds for financing, pointing to a relatively conservative fundingstructure. Most firms in Romania adopt a payment risk mitigationstrategy that combines internal credit control with outsourced ATRADIUS PAYMENT PRACTICES BAROMETER – SURVEY RESULTS FOR ROMANIA – 20254 Key figures and charts Romania Romania % of the total value of B2B invoices paid on time,overdue and bad debts What are the top 4 reasons your B2B customers payinvoices late? (% of respondents - multiple responses) Source: Atradius Payment Practices Barometer Romania –2025 Romania Romania What are the main sources of financing that yourcompany used during the past 12 months? % of respondents reporting changes in Days SalesOutstanding (DSO)* over the past 12 months (% of respondents - multiple response) 47% Bank loans44% Internal funds34% Trade credit Sample: all survey respondentsSource: Atradius Payment Practices Barometer Romania –2025 Sample: all survey respondentsSource: Atradius Payment Practices Barometer Romania –2025 Looking ahead Cautious mood amid growing concern aboutinsolvencies and cash flow Our survey finds that companies in Romania expect to be facing adomestic B2B landscape marked by tighter financial conditions andeconomic unpredictability. Against this backdrop, 34% of firms tellus they anticipate business insolvencies to increase in the coming Days Sales Outstanding (DSO) is likely to remain relatively stableaccording to the majority of businesses in Romania. However,among those expecting changes, most predict a deterioration,anticipating longer payment cycles due to ongoing liquidity strainsin their customer base. This trend is mirrored in expectations for Despite these pressures, many businesses are cautiously optimisticabout B2B sales performance in the months ahead. Profitabilityforecasts remain subdued, however, reflecting mounting costpressures and margin constraints. To mitigate payment risk mostcompanies say they will continue to rely on a strategic combination Responsiveness and the ability to adapt to shifting marketconditions are the top strategic priorities expressed by companiesin Romania as they look to the year ahead. Challenges such as therising cost of finance, reduced access to bank lending, and Key industry insights Pharma More than 60% of pharma companies have ramped up trade creditofferings in recent months to support business continuity andcustomer relationships. On average, 48% of their B2B sales are nowtransacted on credit, signalling a proactive approach to B2B trade.Most companies have maintained consistent payment terms, typicallyaveraging 42 days from invoicing. Almost half of businesses report Many firms report success in containing DSO volatility, althoughinventory turnover has remained largely unchanged, suggestinglimited flexibility in releasing cash from stock. DPO has also remainedsteady. Internal funds remain the main financing source, supported bya cautious but steady cash management strategy. Most companiesoutsource payment risk mitigation to insure