2025年荷兰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 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 Netherlands. 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 Dutch companies focus on payment risk mitigation inB2B transactions as trade disruptions ramp up Companies across various industries in the Netherlands report thatpayment behaviour from business-to-business (B2B) customers hasbecome more consistent with pre-pandemic trends in recent months.Late payments now impact an average of 35% of all B2B invoices.Business customers delay payments primarily due to liquidity The closer alignment of the payment risk environment withpre-pandemic trends is reflected in companies offering more lenientpayment terms to B2B customers, now set at an average of 45 daysfrom invoicing. While the proportion of B2B sales on credit hasremained almost unchanged from last year, accounting for 61% of all Managing this balance does not appear to be a major issue for manysectors in the Netherlands, but construction companies have largeramounts of working capital tied up in outstanding receivables than lastyear. This creates liquidity strain, exacerbated by cash being tied up inslow-moving work in progress as suppliers demand faster payments toreduce their own financial risks. Two in five Dutch constructioncompanies respond by delaying supplier payments, relying more on To mitigate payments risks related to B2B credit transactions, 40% ofconstruction businesses in the Netherlands look to strategic creditmanagement. Industries facing fewer challenges tend to combinein-house with outsourced risk management. However, with the Key figures and charts The Netherlands The Netherlands % 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) Delays in the customer's payment process Source: Atradius Payment Practices Barometer the Netherlands –2025 The Netherlands The Netherlands % 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? 44% Invoice financing41% Bank loans36% Trade credit(% of respondents - multiple response) (% of respondents) Looking ahead Concern over insolvency risk is growing as economictrends continue to evolve As economic growth in the Netherlands is expected to remainsubdued for the remainder of the year, most companies acrossvarious sectors expect payment behaviour of domestic B2Bcustomers will stay largely consistent, reflecting the difficulty inpredicting future trends amid economic uncertainty. However, more Although most companies do not expect any significant change inB2B payment collection times, inventory turnover and supplierpayment patterns in the coming months, more than one-third ofbusinesses anticipate some improvements in these working capitalmanagement indicators rather than a deterioration. Expectations offaster inventory turnover, which supports working capital efficiency, A variety of approaches to future management of customer creditrisk is evident among businesses in the Netherlands. Most Dutchcompanies say they plan to rely on a mix of in-house and outsourcedpayment risk management. Industries with a more stable financialoutlook and lower exposure to payment risks, such as consumer The primary concern in the year ahead for Dutch companies ismanaging liquidity and cash flow because these directly impact theiroperational stability and financial health. Regulatory compliance,particularly in the construction sector, where businesses mustnavigate stricter regulations, is another issue, while construction andtransport companies also worry about growing competitive pressure. Key industry insights Construction Increased payment risks have heightened financial strain for Dutchconstruction companies in recent months, prompting the sector totighten trade credit offerings in B2B transactions, while providing morepayment flexibility to business customers in an effort to remaincompetitive and sustain revenue amid uncertain market conditions. To preserve liquidity, many companies delay payments to suppliers,which provides temporary relief