2025年比利时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 theworld. 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 forBelgium. 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 Liquidity strain threat prompts switch towards Managing payment risks from business-to-business (B2B) trade oncredit has become far more challenging for companies in Belgiumcompared to the same period last year. The number of businessesexperiencing delayed customer payments has risen by 75%, withoverdue invoices also following an upward trend. These now affect While delayed payments have become more frequent, most Belgiancompanies are taking proactive steps to mitigate the impact. Strongercollection efforts across industries have contributed to a decline in baddebts, now down to 7% of B2B invoices. However, the steel and metals Across industries, twice as many companies as last year now reportworsened Days Sales Outstanding (DSO), reflecting a longer wait forcustomer payments that reduce available working capital. 54% ofcompanies have turned to invoice financing to free up cash, but risingcosts or limited access may threaten the sustainability of this strategy. A combined approach to payment risk management, using provisioningand credit insurance, is a common strategy among companies inBelgium, especially in the machinery industry. However, over-reliance on Key figures and charts Belgium Belgium % 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) Customer’s liquidity issues Economic pressures Source: Atradius Payment Practices Barometer Belgium –2025 Belgium Belgium % 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? 54% Invoice financing47% Trade credit44% Bank loans(% of respondents - multiple response) (% of respondents) *average amount of time to collect payment after a sale Sample: all survey respondentsSource: Atradius Payment Practices Barometer Belgium –2025 Looking ahead Volatile economic climate fuels strong expectationof soaring insolvency risk Nearly 70% of companies in Belgium anticipate a rise in B2Bcustomer insolvencies in the coming months, reflecting a growingconcern about financial vulnerability and the critical need to maintainhealthy cash flow. Further anxiety over the outlook for payment risk Construction businesses are uncertain about future stock turnoverduring the coming months, while companies in the machinery andsteel/metals industries expect to hold onto inventory for longerperiods. This could tie up valuable capital in unsold goods, causingfinancial strain. Overall, 54% of businesses anticipate improved Amid the widespread concern about worsening B2B payment risks,almost all companies surveyed in Belgium plan to use a mix of in-house and outsourced credit risk management in the year ahead.Steel/metals companies show the highest confidence in combining The construction industry is most likely to rely on outsourced riskmanagement given its need for more tailored solutions to address Looking ahead, regulatory compliance, particularly in the constructionsector, remains a primary concern for companies in Belgium as theynavigate increasingly stringent regulations. The machinery sector isworried about rising cybersecurity threats, escalating production Key industry insights Construction The Belgian construction industry is facing growing pressure onliquidity, driven by rising late payments and a more relaxed creditpolicy. B2B sales on credit have increased by 10%, heighteningexposure to customer payment risks. Although bad debts have slightlydecreased, late payments from B2B customers have surged by 45%. This issue is exacerbated by a significant build-up in inventory, whichlocks up cash and raises operational costs. In response, somecompanies have opted to delay supplier payments in an effort topreserve liquidity, which has increased their Days PayableOutstanding (DPO). To address working capital gaps, many businessesturn to invoice financing to maintain cash flow. While this providesshort-term relief, it also increases financial vulnerability, par