2025年西班牙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 forSpain. 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 Market volatility increases concerns about shifts in B2Bcustomer financial resilience and payment disruption Widespread concern about business-to-business (B2B) paymentpractices is evident in our survey, with 63% of Spanish companiestelling us they see no improvement in B2B customer paymentpatterns compared to last year. Overdue invoices currently affect anaverage of 51% of all B2B sales on credit, with late payments mainlydue to cash flow issues during the current uncertain economic and To promote strong customer relationships and stay competitive amidongoing market volatility, many businesses adjusted their trade creditpolicies. 54% of companies increased credit offerings, and around two-thirds of B2B sales are now being made on credit. Payment terms Consistent payment policies and steady inventory have helped mostcompanies keep invoicing smooth. avoid overstocking and preventsignificant shifts in Days Sales Outstanding (DSO), ensuring cash is nottied up in outstanding invoices. Supplier payments have beenconsistent across many sectors, but some businesses rely on supplier The importance of strategic payment risk management is highlightedby our survey finding that nearly half of companies combine internalprovisions with credit insurance in order to protect their business andenhance financial resilience. There is a split among the remainingcompanies in Spain between those fully reliant on credit insurance and Key figures and charts Spain Spain % 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 Spain –2025 Spain Spain % 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? 55% Trade credit43% Invoice financing43% Bank loans(% of respondents - multiple response) Looking ahead Spanish companies brace for rising B2Binsolvencies payment disruptions and increased There is growing pessimism among companies in Spain about theoutlook for B2B customer payment behaviour amid anticipateddisruptions in global trade, mainly driven by US trade policies.The majority of businesses in our survey are preparing forcontinued delays and lingering uncertainty about worsening Over 80% of Spanish companies across all industries now expectsuppliers to demand quicker payments to maintain their own cashflow. The risk is that this will increase pressure on businesseswhich are already facing liquidity constraints and limited cash Remaining alert to potential challenges to profitability in themonths ahead, all Spanish companies surveyed are taking acautious approach to sales forecasting. Protecting long-termfinancial health has become a key priority in the face of multiplerisk factors. Concern is expressed about compliance costspotentially affecting tight budgets, as well as rising production Amid ongoing trade turbulence, 75% of companies in Spain areeither likely or certain to use credit insurance in the comingmonths, reflecting concern about payment risk management andan increasing need for external support. Retaining payment risk ATRADIUS PAYMENT PRACTICES BAROMETER – SURVEY RESULTS FOR SPAIN – 20256 Key industry insights Agri-food B2B sales made on credit in the agri-food sector slightly declinedcompared to last year, yet still account for nearly two-thirds of theindustry’s B2B trade. To mitigate exposure to customer credit risk,three in five companies report keeping payment terms unchanged.Climate uncertainty and geopolitical tensions remain significant risk Bank loans remain the primary financing source, despite costfluctuations, along with supplier credit. In terms of payment riskmitigation, a combination of internal provisions and outsourced riskmanagement remains the key strategy for nearly 80% of Spanishagri-food companies to stay resilient in the face of future trading Spain - Agri-food Top 5 challenges companies face when offering credit to B2B cus