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Kloten, October 5, 2022

  • Almost every 4th company expects payment behavior to deteriorate
  • In Western Europe, every 5th invoice is paid late, in Eastern Europe even every 4th invoice is paid late
Payment practices in Europe have deteriorated over the last three years. For around one in five companies, this development has led to existential fears. These are the findings of the 13th representative EOS study 'European Payment Practices', for which 3,200 companies in 16 European countries were surveyed.

Despite extended payment periods by companies, private customers in particular paid their invoices 19 days late on average. Compared to the previous study from 2019, where 16% of invoices from private customers were paid late or not at all, the figure in the current study is already 20%. The companies surveyed cited their customers' liquidity bottlenecks as the main reason for poor payment behavior.

As a result of these payment delays and bottlenecks, companies stated that they were most frequently struggling with liquidity bottlenecks (42%) and profit losses (51%). To compensate, almost a third of companies had to reduce their investments and increase prices. Companies are correspondingly pessimistic about the future. While 22% of respondents still expected payment practices to improve in 2019, almost 24% of respondents currently anticipate a further deterioration. In Denmark, Switzerland, Slovakia, the Czech Republic, Slovenia and Bulgaria in particular, the forecasts are particularly subdued compared to 2019. "The fact that payment behavior has deteriorated significantly is worrying - especially because we have to expect a further decline in payment levels in view of the current economic figures and high inflation," says Marwin Ramcke, CEO of the EOS Group.

Professionalization in receivables management

More and more companies are working with external receivables management service providers to recover receivables. "A lack of liquidity is one of the most common causes of insolvencies and job losses." European companies should therefore further professionalize their receivables management and consider working with external partners, recommends Ramcke.  

Eastern Europe in particular is leading the way in the professionalization of receivables management. Around half of the companies here already rely on the support of external specialists. 'Particularly in view of difficult economic figures, debt collection companies are an important support for companies and the economic cycle because they restore liquidity,' emphasizes Christina Schulz, responsible for Eastern Europe Division Management at EOS.

Extension of digital payment methods

At the same time, the expansion of digital payment methods is becoming increasingly relevant for companies. This has increased significantly in both Western and Eastern Europe since 2019. With an increase of 20 percentage points, Eastern European companies have almost doubled their range of digital payment methods. The Buy Now, Pay Later (BNPL) payment method is also coming into focus: four out of ten European companies see this payment method as a new credit card and a must in their payment offering. 

About the EOS study "European payment practices"

Together with the independent market research institute Kantar, EOS surveyed 3,200 companies in 16 European countries between March 4 and April 19, 2022 via telephone interviews on local payment habits. In spring 2022, 200 companies (each with an annual turnover of more than five million euros) from Belgium, Bulgaria, Croatia, the Czech Republic, Denmark, France, Germany, Greece, Hungary, Poland, Romania, Slovakia, Slovenia, Spain, Switzerland and the UK answered questions about their own payment experiences and current issues in risk and receivables management. The study was conducted by EOS for the 13th time.

About the EOS Group

The EOS Group is a leading technology-based investor in receivables portfolios and an expert in the processing of outstanding receivables. With over 45 years of experience and locations in 25 countries, EOS offers smart receivables management services to around 20,000 customers worldwide. The focus is on banks and companies in the real estate, telecommunications, energy supply and e-commerce sectors. EOS employs more than 6,000 people and is part of the Otto Group.

Further information on the EOS Group: eos-solutions.com

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