Slovenia 2025 B2B payment practice trends

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 forSlovenia. 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 pressure worry as companies faceworsening payment behaviour Our survey reveals increasingly challenging payment conditions inSlovenia, with most companies reporting a noticeable deterioration inthe payment behaviour of B2B customers during recent months. A shifttoward longer payment cycles is becoming more frequent, with overdue 45% of all B2B sales are currently transacted on credit amongcompanies in Slovenia. While many sectors prefer upfront payments tosafeguard cash flow, the automotive sector leans towards a morelenient trade credit policy, probably due to the need to stay competitive Slovenian firms say they typically collect payments just over a monthpast the due date. While about half managed to keep Days SalesOutstanding (DSO) stable, those unable to do so faced tighter liquidity,often due to locked-up capital in receivables and inventory build-up,which was another widely reported issue. Days Payables Outstanding Supplier credit remains the dominant source of external finance,underscoring the reliance of businesses on trade-based funding ratherthan bank loans or internal reserves. To mitigate payment riskcompanies in Slovenia rely on a mix of in-house credit controls andoutsourced solutions, including insurance – a widely adopted approach Key figures and charts Slovenia Slovenia What are the top 4 reasons your B2B customers payinvoices late? (% of respondents - multiple responses) Operational constraints Sample: all survey respondentsSource: Atradius Payment Practices Barometer Slovenia –2025 Source: Atradius Payment Practices Barometer Slovenia –2025 Slovenia Slovenia % 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? 54% Trade credit47% Bank loans43% Internal funds(% of respondents - multiple response) Sample: all survey respondentsSource: Atradius Payment Practices Barometer Slovenia –2025 Looking ahead Insolvency surge fears prompt focuson working capital management A mood of caution is clearly evident among businesses in Slovenia asthey look to the year ahead. Two-thirds of companies anticipate a risein business insolvencies during the coming months, raising concernaround working capital management and overall liquidity health.Days Sales Outstanding (DSO) is expected to worsen by many Supplier payment timings (Days Payable Outstanding – DPO) arelargely expected to remain unchanged, underscoring the key role thatsupplier credit continues to play in Slovenia as a buffer in tightliquidity environments. Despite these concerns, companies express Most businesses rely on a mixed approach to growing B2B customerpayment risks, which combine in-house provisioning with outsourcedrisk management involving insurance. This strategy reflects apragmatic shift toward more structured and resilient risk mitigation The regulatory landscape is also becoming a central concern andSlovenian companies are preparing for increasing complianceobligations alongside mounting pressure to integrate sustainabilitypractices into core operations. Being agile and responsive to Key industry insights Pharma More than half of pharma companies have recently expandedtrade credit offerings to support B2B customers, but an average41% of sales transacted on credit shows the industry still has acautious approach to credit risk. Payment terms are mostlyunchanged, at an average 51 days from invoicing, although aslowdown in B2B payments has been widely observed. Overdueinvoices now affect 38% of B2B transactions, primarily due tocustomer liquidity shortages, a common issue in this capital- DSO volatility has been kept in check by most firms, but asignificant build-up in inventory suggests liquidity remains tied upin stock, limiting operational flexibility. Supplier payment trendsare mixed, with many delaying payments to maintain liquidity.Supplier credit is the main external financing tool. To mitigatepayment risks most businesses rely on outsourced credit Slovenia - Pharma Top 5 challenges companies