2025年意大利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 forItaly. 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 behaviour challenges spark focus on strategic While 40% of Italian companies tell us the payment behaviour of theirbusiness-to-business (B2B) customers has remained stable in recentmonths, overdue invoices still affect an average 55% of all B2B creditsales. This highlights a persistently challenging payment landscape formany businesses. Payment delays are mainly driven by rising Despite this, firms in Italy show a strong willingness to support theircustomers. 52% of companies have relaxed their trade credit policies,with more businesses opting to either maintain or extend their paymentterms rather than tighten them. Currently, 64% of B2B sales are made In terms of working capital, both Days Sales Outstanding (DSO) andinventory levels remain relatively stable for most companies. However,among those reporting changes in inventory turnover, a greater numberare experiencing stock build-up rather than faster turnover, tying up To bridge potential liquidity gaps caused by customer late paymentsand defaults, more than half of Italian businesses rely on supplier creditand bank loans. The same proportion tell us that managing customerpayment risk is a key strategic focus. Many companies use a hybrid ATRADIUS PAYMENT PRACTICES BAROMETER – SURVEY RESULTS FOR ITALY – 20254 Key figures and charts Italy Italy % 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 Italy –2025 Italy Italy % 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) Looking ahead Geopolitical instability and cyber threats prompt Our survey finds a relatively cautious outlook among companies inItaly as they plan for the coming months, with most telling us they donot anticipate major changes in the current B2B payment risklandscape. Nearly 60% of firms expect the trend for customer Working capital management patterns are also expected to remainbroadly consistent. More than one-third of Italian firms companiesbelieve they will experience quicker payment collections in thecoming months. This aligns with a generally optimistic outlook for The outlook on Days Payable Outstanding (DPO) is mixed. Whilemost businesses plan to maintain their current payment schedules tosuppliers, largely to preserve relationships and retain access to tradecredit, a vital financing channel, a significant number of companies To manage these dynamics, 80% of companies plan to continue usinga dual approach to customer payment risk, combining blendinginternal credit controls with outsourced credit management. Lookingahead, businesses identify several significant challenges likely toimpact cost structures and liquidity levels. These include rising input ATRADIUS PAYMENT PRACTICES BAROMETER – SURVEY RESULTS FOR ITALY – 20256 Key industry insights Food An average 70% of B2B sales are made on credit in this sector,reflecting a more relaxed trade credit approach adopted in recentmonths. Most companies have kept payment terms stable, thoughmany have extended them, typically ranging from 31 to 60 days.Overdue payments currently affect 55% of invoices, mainly due tocustomer liquidity issues amid broader economic uncertainty. Baddebts impact 7% of B2B invoices, an added concern for cash flow and Days Payable Outstanding (DPO) is also steady for most businesses,as supplier credit remains a primary financing tool. With trade creditbeing one of the most used forms of funding, maintaining regularpayment cycles helps avoid tension in supplier relationships. Riskmitigation mainly relies on a hybrid model combining internalprovisioning with outsourced credit management. Businesses are Italy - Food Top 5 challenges companies face when offering credit to B2B customers (% of respondents - multiple response) Preventing credit fraud Balancing customer terms a