2025年中欧与东欧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 In this report, you will find the survey results for Central and EasternEurope (CEE). Markets surveyed: Bulgaria, Czech Republic, Hungary,Poland, Romania, Slovakia, Slovenia and Türkiye. Insights into topics bymarket and local sectors can be found in the individual reports that The survey was conducted between the end of Q1 and mid- Q2 2025.Survey findings should therefore be viewed with this in mind. All reports highlighting market and sector specific findings of the 2025edition of the Atradius Payment Practices Barometer forCentral andEastern Europe (CEE)are available for download from the Atradius B2B paymentpractices trends B2B customer payment risks remain major challengefor CEE companies Our survey finds clear signs of a worsening trend of B2B customerpayment behaviour across Central and Eastern Europe (CEE). Morecompanies report a deterioration in late payments thanimprovement. Overdue invoices remain a pressing issue, accounting Companies are adopting cautious, risk-aware credit practices in B2Btrade in response to late payment concerns. On average only 45% ofB2B sales are transacted on credit, reflecting a preference forupfront payments as businesses try to protect themselves against arising threat of customer insolvencies. To offset exposure to Many businesses across the CEE region are struggling to unlockliquidity from working capital. Days Sales Outstanding (DSO) ismostly unchanged, while inventory levels have either stagnated orincreased for a significant number of companies, with stock build-ups further limiting access to liquid funds. These trends point to a Bank loans, supplier credit and invoice financing are the mainmethods for bridging cash flow gaps among CEE companies.Supplier credit plays a particularly vital role for smaller firms seekingto extend operational flexibility. To mitigate payment risks, most Key figures and charts Central and Eastern Europe (CEE) Central and Eastern Europe (CEE) % 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 Delays in payment process Invoice disputes Sample: all survey respondents Source: Atradius Payment Practices Barometer Central and Eastern Europe (CEE) – 2025 Source: Atradius Payment Practices Barometer Central and Eastern Europe (CEE) – 2025 Central and Eastern Europe (CEE) Central and Eastern Europe (CEE) % 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 - multiple response) (% of respondents) 48% Trade credit46% Bank loans42% Invoice financing Sample: all survey respondentsSource: Atradius Payment Practices Barometer Central and Eastern Europe (CEE) – 2025 Looking ahead Rising liquidity concerns hit CEE firms amid loomingeconomic uncertainty An increase in B2B customer insolvencies is expected by 54% ofcompanies across the CEE region during the coming months, withmany others expressing uncertainty about future insolvency risks.This highlights rising fears around payment defaults and reveals Inventory turnover is also a concern. Twice as many companiesanticipate a buildup rather than a faster turnover, indicatingpotential liquidity constraints due to unsold stock. Supplierpayment practices mirror this trend. Most businesses plan tomaintain their current Days Payable Outstanding (DPO), but Expectations about sales and profitability remain subdued acrossthe region. While CEE businesses adopt a prudent stance on salesforecasts, they are even more cautious regarding profitability,highlighting the pressure on margins from rising input costs and Looking ahead, companies across CEE express growing concernover their ability to adapt to a rapidly evolving and unpredictablebusiness environment. The combination of unexpected economicshifts, tightening regulations, and mounting environmentalpressures is placing additional strain on corporate stability. Risingproduction input costs are expected to further squeeze profit Survey design Atradius conducts annual reviews of international corporatepayment practices through a survey called the Atradius Sample overview – Total interviews