2025年瑞士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 forSwitzerland. The survey was conducted between the end of Q1 and the beginning ofQ2 2025. The findings should therefore be viewed with this in mind. B2B paymentpractices trends Cautious mood prevails as companies strive An average 51% of sales to B2B customers are currently beingtransacted on credit by Swiss companies, highlighting a consistentreliance on trade credit. The majority of businesses report no changein credit policy, and payment terms also remain largely unchanged,most falling between 30 to 60 days from invoicing. When changes are Three in five companies say B2B payment behaviour has remainedconsistent compared to last year, suggesting that delays are apersistent feature of the credit landscape rather than a recentdeterioration. Our survey found that nearly half of all B2B invoices are Days Sales Outstanding (DSO) has shown some fluctuations but nosignificant improvement, limiting the ability to free up cash fromreceivables. Compounding the issue, inventory turnover has remainedslow or stagnant for most businesses, further tying up liquidity instock that could otherwise be used for operational needs. While mostcompanies continue to pay suppliers on schedule, some have started A hybrid approach is common in the mitigation of payment risk.Internal provisioning remains the preferred method, while outsourcedcredit management is used selectively to improve collection efficiencyand manage compliance burdens. Swiss companies are cautiouslybalancing credit support for B2B customers with the need to preserve Key figures and charts Switzerland Switzerland % of the total value of B2B invoices paid on time, What are the top 4 reasons your B2B customers payinvoices late?(% of respondents - multiple response) Source: Atradius Payment Practices Barometer Switzerland –2025 Switzerland Switzerland % 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? (% of respondents) 56% Invoice financing55% Trade credit54% Internal funds Looking ahead Insolvency risk expected to rise amid increasingeconomic uncertainty A growing number of companies in Switzerland tell us theyanticipate facing financial headwinds during the coming months.55% of businesses expect insolvency risks among B2B customersto increase, reflecting heightened concern about economic Our survey finds that in the crucial area of working capitalmanagement most Swiss businesses foresee no significantchanges in Days Sales Outstanding (DSO). This indicates anexpectation of continued consistency in customer paymentbehaviour, which aligns with previous trends where payment Stricter invoice payment terms are not expected in the near termby the majority of companies in Switzerland. However, those whodo anticipate changes believe suppliers may request quickerpayments to safeguard their own liquidity, creating downstreampressure on buyers. While there remains confidence about futuresales, sentiment around profitability is more reserved. Around 25% Swiss companies tell us they anticipate several systemicchallenges during the year ahead. A major concern is thatincreasing production input costs will affect operations andinvestment decisions, while further anxiety surrounds Key industry insights Chemicals 52% of B2B sales are currently being conducted on credit, with mostcompanies reporting steady credit offerings. Payment terms followthe same trend, reflecting a broader strategy to support customerrelationships during uncertain times. However, payment risks remaina challenge. 51% of B2B invoices are overdue, and 6% result in baddebts. Delayed payments are due to cash flow challenges, strained To preserve cash, many firms delay payments to suppliers, whileothers maintain a steady payment pace. Supplier credit remains theprimary source of funding to bridge liquidity gaps. Payment risk istypically managed through a combination of internal provisions andoutsourced credit management, although internal provisions arepreferred despite their limitations in terms of working capitalavailability. Looking ahead, 54% of firms expect rising insolvency risks, Switzerland - Chemicals Top 5 challenges companies face when offerin