2025年西欧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 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 In this report, you will find the survey results for Western Europe. Markets surveyed: Austria, Belgium, France, Germany, Greece, Ireland,Italy, the Netherlands, Spain, Switzerland and the United Kingdom.The findings for Denmark, Finland, and Sweden, while part of Western Europe, are presented separately in the report dedicated to the Nordicregion. Insights into topics by market and local sectors can be found in the individual reports that form the 2025 edition of the survey forWestern Europe and the Nordic region. The survey was conducted between the end of Q1 and the beginning ofQ2 2025. Findings should therefore be viewed with this in mind. All reports highlighting country and sector-specific findings of theMay 2025 edition of the Atradius Payment Practices Barometer for Western Europeandthe Nordic regionare available for download fromthe Atradius website. https://group.atradius.com/publications/results B2B paymentpractices trends Bad debts a growing concern amid uncertain paymentrisk landscape It is clear from our survey that companies across Western Europe areoperating in an unpredictable customer payment risk landscape. While46% of companies tell us payment behaviour of business-to-business(B2B) customers has remained consistent in recent months, many ofthe rest are seeing a deterioration in payment practices. This is Despite the increasingly uncertain trading environment, 50% of firmsin Western Europe have not scaled back their credit offerings to B2Bcustomers in recent months. This highlights a strong commitment tocustomer support and long-term relationships. Payment terms have Stability of Days Sales Outstanding (DSO) is also evident in our surveyacross many sectors. Inventory levels are mostly steady as well,although more companies report stock build-up than quicker turnover,tying up cash and slowing liquidity. In response, many businesses are To bridge potential cash flow gaps and sustain operations, mostcompanies across Western Europe rely on external financing sourcessuch as supplier credit, bank loans, and invoice financing. Fewerbusinesses depend solely on internal funds, underscoring thelimitations many are facing in self-financing due to ongoing financial Key figures and charts Western Europe Western Europe % 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) Customer’s liquidity issues Source: Atradius Payment Practices Barometer Western Europe –2025 Western Europe Western Europe % of respondents reporting changes in Days SalesOutstanding (DSO)* over the past 12 months What are the main sources of financing that your 48% Trade credit46% Bank loans46% Invoice financing(% of respondents - multiple response) (% of respondents) Sample: all survey respondentsSource: Atradius Payment Practices Barometer Western Europe –2025 Looking ahead Rising insolvency risk shines spotlight on strategic One of the most significant findings from our survey is that 47% ofcompanies across Western Europe anticipate an increase in B2Bcustomer insolvencies during the months ahead. Although otherbusinesses do not share this view, the diverse expectations about A positive mood is also found about inventory management, withtwice as many businesses anticipating improved inventoryturnover, which points to stronger sales performance in thecoming months. This view is expressed despite ongoing concernabout rising operational costs that could impact profitability. Theoutlook on Days Payable Outstanding (DPO) is more mixed. While The response to this by 46% of companies across Western Europeis to take a dual approach to managing customer payment risks,combining internal credit provisions with outsourced creditmanagement solutions. This strategy provides some flexibility to Against the backdrop of rising production costs, geopoliticaltensions, regulatory changes and growing environmentalconcerns, companies across Western Europe acknowledge theneed to remain agile and resilient. These challenges are expected Survey design Atradius conducts annual reviews of international corporatepayment practices through a survey called the Atradius Survey scope •Basic population: Companies from Western Europe were surveye