2025年波兰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 forPoland. 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 ongoing cash flow pressures prompt cautious Although 55% of companies in Poland report that there has been noreal change in the payment behaviour of their B2B customers in recentmonths, our survey finds that many businesses are still dealing withongoing cash flow pressures. overdue invoices currently make up 38% 48% of B2B sales are currently transacted on credit, with businessesnearly evenly divided between those increasing credit offerings andthose keeping them unchanged. most firms have kept their paymentterms unaltered, typically ranging from 31 to 60 days after invoicing. A combination of steady Days Sales outstanding (DSo), sluggishinventory movement, and consistent supplier payment schedulessuggests that many Polish companies are operating within tightliquidity constraints. As a result, companies appear to be prioritising to bridge liquidity gaps, half of the surveyed companies rely primarilyon bank loans. this approach can ease short-term cash flow pressurebut also exposes businesses to interest rate volatility and potentiallong-term debt accumulation. most businesses in Poland say they adopta dual strategy for protecting themselves against B2B customer late or Key figures and charts Poland Poland % 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) Source: Atradius Payment Practices Barometer Poland –2025 Poland Poland % 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) 49% Bank loans41% Internal funds41% Invoice financing Looking ahead Companies plan defensive liquidity strategiesamid uncertain mood B2B customer insolvency levels are expected to remain unchanged inthe coming months by just over half of companies surveyed inPoland. However, there is a growing sense of uncertainty among theremainder of businesses, split between a majority anticipating an A significant number of companies in Poland tell us they anticipateDays Sales outstanding (DSo) will worsen in the year ahead, whilemany others say they expect no improvement in DSo. Prolongedreceivable cycles are particularly worrying because they limit the As a result, companies are planning defensive liquidity strategies.many aim to delay payments to suppliers to ease cash flow pressure,and the rest to maintain current payment schedules to avoiddamaging critical supplier relationships. our survey finds thatbusinesses in Poland continue to rely on a blended approach to looking ahead, companies express concern about several structuralhurdles, including volatile input costs that raise operational expenses.they also worry about tightening regulatory demands andcompliance requirements which add complexity to daily operations, Key industry insights Construction the construction sector shows signs of cautious financialmanagement amid an unpredictable economic environment. nearlyhalf of the industry's B2B sales are conducted on credit, withcompanies evenly divided between those who have recently expanded B2B customer payment behaviour is largely unchanged, althoughsome firms report a deterioration. overdue invoices now account foralmost 40% of B2B transactions, while bad debts impact 3% of most companies report consistent DSo and inventory levels, indicatinglimited ability to unlock working capital from receivables and stock.DPo has also held steady, although a larger number of companiesreport being asked by suppliers for faster payments. Bank loansremain the primary financing source. to manage payment risk, mostfirms prefer a dual strategy of internal provisioning and strategic Poland - Construction top 5 challenges companies face when offering credit to B2B customers (% of respondents - multiple response) Preventing credit fraud Assessing customer creditworthiness Cash flow disruptions Poland - Construction Key industry figures Key industry insights Consumer Durables nearly half of all B2B trade in the co