2025年英国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 forthe United Kingdom. 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 Payment delays a major concern amid perfect storm The payment behaviour of business-to-business (B2B) customers inthe United Kingdom has remained largely unchanged in recentmonths, with payment delays still widespread across the market. 51%of B2B invoices are currently overdue, the consumer durables sector In response to the continuing issue of payment delays, UK businesseshave scaled back the amount of credit offered to B2B customers,which now accounts for 49% of all B2B sales. Alongside this, morethan half of companies in our survey have adjusted payment terms forcustomers. Slightly more flexible payment conditions are evident inthe consumer durables sector, a move designed to retain customerloyalty, while the agri-food industry has shortened payment terms,acting prudently to mitigate the risk of bad debts. These adjustmentsin trade credit policies mean 60% of UK companies have reduced To mitigate payment risks associated with B2B trade, around half ofUK businesses combine internal provisions with outsourced riskmanagement. This approach is particularly common in the consumerdurables sector. The remainder are almost evenly split between those Key figures and charts United Kingdom United Kingdom % 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 United Kingdom –2025 United Kingdom United Kingdom % 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? 58% Bank loans57% Trade credit50% Invoice financing(% of respondents - multiple response) (% of respondents) Looking ahead Widespread mood of uncertainty as companies faceliquidity pressures The outlook on insolvency risk varies notably across industries inour survey of UK companies. Agri-food businesses express thegreatest uncertainty, while there is a more balanced mood in thetransport sector and some optimism in the consumer durablesindustry. However, the unpredictable economic and tradinglandscape, along with the volatility of input costs and demand Companies are also increasingly worried that suppliers willdemand quicker payments to ease their own liquidity strain,reinforcing concerns about financial vulnerability. Mixed views areexpressed about expectations for sales demand and profitmargins. A confident mood is found in the consumer durablessector amid anticipation of resilient consumer spending.The agri-food and transport sectors show more caution, reflectingongoing financial pressures and a heightened focus on cost Amid an unpredictable economic landscape nearly 80% of UKbusinesses report they are planning to rely on both internalprovisions and outsourced credit management. This combinedapproach suggests a high awareness of payment risk and a need Key industry insights Agri-food Most UK companies in the agri-food sector report an increase in salesmade on credit compared to the previous year, with 52% of sales toB2B customers now transacted on credit. Payment terms haveremained mostly unchanged, but when adjustments are made, theytend to be more relaxed. Our survey found that 47% of B2B invoices To ease liquidity, many companies delay supplier payments, although,over-reliance on this strategy risks damaging supplier relationships.While supplier credit is crucial for bridging liquidity gaps, businessesmust balance its use to avoid long-term negative impacts. Lookingahead, 43% of companies expect insolvency risk to increase amideconomic uncertainty and geopolitical developments affecting tradeand supply chains. Environmental concerns are prompting companiesto adopt sustainability practices, but these initiatives also add tofinancial strain. To mitigate risks, businesses plan on adopting ahybrid approach to payment risk management, combining internal United Kingdom - Agri-food Top 5 challenges companies face when offering credit to B2B customers Balancing customer ter