2025年捷克共和国B2B支付实践趋势

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 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 forthe Czech Republic. 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 Widespread concern over levels of late payments Companies in the Czech republic are operating in a fragile payment riskenvironment, as the figures from our survey make clear. late paymentsare a major concern, with 61% of invoices overdue in B2B and manyfirms telling us their customers are struggling with liquidity. Bad debts 43% of all B2B sales in the Czech republic are currently made on credit,and around half the companies surveyed say their approach to offeringcredit is stable, while nearly the same number report an increase.Payment terms are mostly steady, but where changes were made they days Sales outstanding (dSo) has remained mostly stable, althoughmore companies experienced slower payment collection than faster.delays to incoming cash add to liquidity pressure, particularly as manyfirms are also dealing with stock build-up or slow-moving inventory, When liquidity gaps arise, firms tend to rely on external financingsources, trade credit being the most common. invoice financing is alsopopular, but fewer companies rely on bank credit or internal funds. mostCzech companies still prefer to manage customer credit risk internally, Key figures and charts The Czech Republic The Czech Republic % 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) Customer’s liquidity issues Sample: all survey respondents Source: Atradius Payment Practices Barometer the Czech Republic –2025 The Czech Republic The Czech Republic % 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? 63% Trade credit60% Invoice financing49% Bank loans(% of respondents - multiple response) (% of respondents) Sample: all survey respondentsSource: Atradius Payment Practices Barometer the Czech Republic –2025 Looking ahead uncertain mood sparks major switch to strategic nearly 70% of businesses in the Czech republic expect more B2Bcustomers to default on invoice payments during the coming months.the rest are divided between those who expect no change and thosewho are unsure, reflecting how unpredictable the current economicsituation is amid fast rising concerns about long-term financial A similar pattern appears in expectations for inventory turnover, withmany businesses predicting either no change or a buildup of unsoldstock, which could tie up valuable cash. most Czech companies expectno major shifts in timings of payments to their suppliers. however, our survey finds that the outlook for both sales and profitability iscautious across all sectors. many businesses tell us they are simplyunsure how these will evolve in the coming months. Perhaps as aresponse to this mood of uncertainty, 80% of Czech companies say A range of external pressures are influencing this shift. Czechcompanies are worried about added pressure from tighteningregulations, sustainability demands, and the need to stay flexible in avolatile global market. Geopolitical risks and supply chain challenges Key industry insights Chemicals Just over 50% of B2B sales are transacted on credit in this sector,reflecting a cautious approach to extending trade credit and a steadytrade credit policy in recent months. most companies have keptpayment terms unchanged, typically ranging between 31 and 90 daysfrom invoicing. however, overdue payments continue to weigh on days Sales outstanding (dSo) has remained largely unchanged, andstagnant stock levels indicate limited opportunities to unlock liquidityfrom either receivables or inventory. many firms delayed supplierpayments to preserve liquidity, with nearly as many companiesreporting unchanged or extended days Payables outstanding (dPo).invoice financing is currently the most common external source ofliquidity. most firms adopt strategic payment risk managementapproaches, increasingly outsourcing to providers that offerinsurance-based solutions. looking ahead, 69% of businesses expecta rise in