2025年匈牙利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 forHungary. 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 Strong focus to preserve financial resilience Our survey of companies in Hungary reveals that 41% of business-to-business (B2B) sales are transacted on credit, an approach that has heldsteady in recent months. The prevailing trend is for companies tomaintain their existing trade credit policies, although those makingchanges are more likely to extend credit than restrict it. This strategy Supporting this measured approach, 54% of companies say they havenot seen a shift in customer payment behaviour. However, for thosewho have, the trend is negative. Currently, 53% of B2B invoices areoverdue, a slight increase driven largely by customer liquidity issues. Despite stable Days Sales Outstanding (DSO), the ability to unlockworking capital remains limited. Most companies are also dealing withflat or rising inventory levels, signalling tied-up cash in stagnant stock.Days Payables Outstanding (DPO) remains unchanged, as firms aim to While supplier credit plays a key role in B2B trade, Hungarianbusinesses still turn to bank loans as their primary source of externalfinancing. Invoice financing and internal reserves are other options,giving companies more flexibility in managing liquidity. 41% ofcompanies rely on in-house provisioning to address customer paymentrisk. However, this can strain internal resources, especially when Key figures and charts Hungary Hungary % 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) Sample: all survey respondentsSource: Atradius Payment Practices Barometer Hungary –2025 Source: Atradius Payment Practices Barometer Hungary –2025 Hungary Hungary % 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? 45% Bank loans43% Invoice financing42% Internal funds(% of respondents - multiple response) (% of respondents) Sample: all survey respondentsSource: Atradius Payment Practices Barometer Hungary –2025 Sample: all survey respondentsSource: Atradius Payment Practices Barometer Hungary –2025 Looking ahead Companies braced for rising insolvenciesand pressure on profits More than half of Hungarian companies expect a rising trend of B2Bcustomer insolvencies in the months ahead. This represents a sharpincrease compared to earlier this year, pointing to widespreadconcern about customer financial health in what is already an Most businesses do not foresee major changes in their Days SalesOutstanding (DSO), indicating that while payment delays areexpected to persist, the overall pace of collections may stay relativelystable. For businesses anticipating a worsening DSO, the expectationis for longer payment cycles and tighter cash flow. Inventory levels These trends align with subdued sales expectations, where mostbusinesses anticipate flat performance or only a modest uptick. Theoutlook for profitability is even more downbeat, with a significantshare of companies bracing for a decline. To manage customer Several major concerns are expressed by companies looking to thefuture. These include ongoing geopolitical tensions that may disrupttrade and supply chains, increasingly complex regulatoryrequirements, as well as rising environmental pressures which are Key industry insights Agri-food Nearly half of businesses in this sector report keeping trade creditofferings steady in recent months, while more have opted to reducerather than increase credit sales. Currently, only 42% of B2B sales aremade on credit, a significant decline, highlighting a shift toward riskcontainment and tighter liquidity management. Payment terms aresteady, typically ranging from 30 to 60 days, reflecting a conservative Days Sales Outstanding (DSO) is steady but inventory levels moveslowly, limiting the ability to quickly release cash from stock orreceivables. Most firms also report steady Days Payables Outstanding(DPO), though delays in supplier payments are still used as a tool topreserve cash. Bank loans remain the