2025年法国B2B支付实践趋势

B2B paymentpractices trends About the Atradius The Atradius Payment Practices Barometer is an annual survey ofbusiness-to-business (B2B) payment practices in markets across the 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 forFrance. 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 Financial headwinds mount as customer Companies in France face growing challenges over business-to-business (B2B) customer payments, with 45% of firms reporting adeterioration in payment behaviour during the past year. Overduepayments currently affect an average 52% of all B2B credit sales, these The worsening payment behaviour of B2B customers is highly likely areflection of recent shifts in trade credit strategies. 40% of businesses inFrance have relaxed their credit terms aiming to attract and retainclients, boost short-term sales, and prevent loss of market share. This All these adjustments to drive growth have increased exposure tocustomer credit risk. The policy of more lenient credit strategies hasdirectly contributed to an increase in Days Sales Outstanding (DSO) formany companies. In response, businesses have turned to invoice Days Payables Outstanding (DPO) has remained stable, but companiesstill face challenges in bridging liquidity gaps, and many are turning tobank loans as a supplementary funding source. To manage customerpayment risks, most firms use a combination of internal provisions and Key figures and charts France France % of the total value of B2B invoices paid on time,overdue and bad debts What are the top 4 reasons your B2B customers payinvoices late? (% of respondents - multiple response) Source: Atradius Payment Practices Barometer France –2025 France France % of respondents reporting changes in Days SalesOutstanding (DSO)* over the past 12 months What are the main sources of financing that your 51% Invoice financing48% Bank loans45% Trade credit(% of respondents - multiple response) (% of respondents) Looking ahead Companies brace for rising insolvencies amiduncertain economic landscape Our survey finds that 54% of French companies anticipate a rise inB2B customer insolvencies in the months ahead as the tradinglandscape becomes increasingly unpredictable with the pressure ofUS protectionist policies and ever-evolving trade tariffs. This Many companies, however, are hopeful that faster inventory turnovercould help mitigate the impact of slow payments, and they expectquicker movement of stock as a consequence of more lenient tradecredit policies. While this shift is expected to sustain sales Despite this, businesses anticipate relatively stable Days PayablesOutstanding (DPO) as they prioritize maintaining strong supplier To mitigate the impact of payment risk during the coming months,most French businesses plan to continue relying on a combination ofinternal provisions and outsourced credit risk management. However,beyond this dual approach, the preference of French companies is Looking ahead, companies in France expect to face significantbusiness risks. Among the major concerns expressed areprotectionist trade policies, rising geopolitical tensions, increasingregulatory burdens, and environmental concerns. These risks are Key industry insights Agri-food Agri-food companies currently sell around 40% of their B2B sales oncredit, with more firms recently extending trade credit than thosetightening or maintaining previous levels. While average paymentterms have remained stable, ranging from 30 to 60 days, fewercompanies have reported stricter terms than those offering moreleniency. B2B customer payment behaviour is mixed, with nearly Days Sales Outstanding (DSO) trends vary, with many companiesreporting either consistent or slower payment collections, while someare seeing faster cash inflows. Inventory levels have largely remainedstable, though more companies report stock build-up than fasterturnover, an indication of locked-up liquidity. 56% of companies reportstable Days Payables Outstanding (DPO) to protect supplier France - Agri-food Top 5 challenges companies face when offering credit to B2B customers Balancing customer terms and financial health Assessing customer creditworthiness France - Agri-food Key industry figures Key industry insights Construction Managing cash flow has become increasingly challenging in theconstruction sector. With 46% of B2B sales made on credit, morefirms h