2025年北欧B2B支付实践趋势

B2B paymentpractices trends 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 forDenmark, FinlandandSweden. The survey was conducted between the end of Q1 and the beginning ofQ2 2025. The findings should therefore be viewed with this in mind. Denmark B2B payment practices trends Trade credit offers expanded but bad debtsstill a major worry 57% of companies in Denmark report no significant change in thepayment behaviour of B2B customers compared to the previous year.Overdue invoices currently affect 41% of all B2B sales on credit. Delaysare mainly due to customer cash flow issues. Bad debts remain a Payment terms have stayed stable, though twice as many firms reportoffering more lenient terms than stricter ones. 55% of B2B sales arecurrently made on credit, with average terms ranging between 31 and60 days. DSO has remained steady for most businesses. Inventoryturnover has also been mostly stable, though some firms report stock Looking ahead Financial resilience crucial amid concernabout rising insolvency risk Half of Danish companies anticipate a rise in B2B customer insolvenciesduring the next 12 months, signalling growing concerns about liquiditybottlenecks, notably in the transport industry. Despite this, mostbusinesses expect Days Sales Outstanding (DSO) to remain steady, likelydue to stronger focus on payment collection efficiency. Inventory days 80% of firms report using a dual approach to managing credit risk,combining internal provisions and outsourced credit management, thelatter strategy particularly common in the transport sector.Top challenges expected in the coming months include rising Key figures and charts Denmark Denmark % 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 Denmark –2025 Denmark Denmark 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 43% Trade credit43% Invoice financing37% Bank loans *average amount of time to collect payment after a sale (% of industry respondents - multiple response) Top 3 challenges businessesin the industry expect toface over the next 12 months Key industry insights Electronics and ICT Electronics and ICT companies make 58% of their B2B sales oncredit, reflecting a more open trade credit policy. While paymentterms remain mostly stable, more companies report offeringlonger terms than shorter ones. Overdue payments average 46%of B2B sales, due mainly to customer cash flow pressures andadministrative delays. Bad debts affect nearly 7% of invoices. DSOremains stable, but stagnant inventory limits liquidity, while DPO Machinery Machinery companies report that 53% of their B2B sales aretransacted on credit, driven by more relaxed trade credit policies.Most businesses have maintained stable payment terms tosupport client relations. Despite this, 44% of invoices remainoverdue and bad debts account for 5% of B2B sales. DSO hasstayed relatively unchanged, although cash continues to be tied upin stagnant or increasing inventory levels. Supplier payments Transport 53% of B2B sales are made on credit in the transport sector,reflecting a broader shift toward more flexible trade credit terms.34% of invoices remain overdue and bad debts affect 5% of creditsales. Companies are split between those seeing steady andimproved DSO trends. Liquidity remains under pressure due towidespread inventory build-up, although extended DPO is beingused as a strategy to ease cash flow constraints. Firms rely heavily Finland B2B payment practices trends Companies delay payments to suppliersas liquidity pressure bites Our survey finds that 50% of Finnish companies report no majorchanges in payment behaviour of B2B customers during recent months.Overdue invoices currently affect an average 43% of all B2Btransactions, with payment delays primarily attributed to customer cash Days Sales Outstanding (DSO) is relatively steady, indicating thatliquidity remains under pressure. Inventory levels have either beenstable or built up, further tying up cash. While Days PayableOutstanding (DPO) remains steady, a significant number of companies Looking ahead Widespread concern about ri