<div id="readability-page-1"><div> AMSTERDAM, May 20, 2026 /PRNewswire/ -- Restricted access to bank finance in Western Europe is driving a structural shift in B2B payment behaviour. More companies are relying on trade credit to finance sales, lifting its share to 52% of all B2B transactions. As a result, suppliers are absorbing higher payment risk as payment behaviour weakens, according to the 2026 Atradius Payment Practices Barometer published today. <img src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/2983363/Top_3_risks.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="400" height="174" original-src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/2983363/Top_3_risks.jpg"/> Silvia Ungaro, Senior Advisor on B2B Payment Trends at Atradius, states:&#34;Reduced access to bank finance is compelling companies to explore alternative funding, particularly trade credit. This shift, however, is happening at a time when liquidity is already under pressure, chiefly due to overdue payments locking up working capital.&#34;Businesses across Western Europe face rising input costs and growing pressure on profitability, driven by inflation and energy price volatility linked to geopolitical tensions. At the same time, interest rates remain high as banks maintain a cautious stance, reflecting heightened risk perception, and have tightened access to credit for companies.Pressure on working capital is driven mainly by how often payments are delayed, rather than how long recovery takes. Many companies report less cash available for day-to-day operations. Reliance on external finance is increasing, often at higher cost, while investment constraints are becoming more visible. As delays become more frequent, payment risk travels along supply chains, increasing financial strain across the corporate system.Nearly four in five companies report late payments with one in four reporting losses of up to 5%, a level that steadily erodes working capital and profitability.Looking ahead, business confidence remains fragile. More than half of companies do not expect a meaningful short-term improvement in B2B payment behaviour, and around a third now plan for multiple scenarios rather than relying on a single outlook. Those that accept this uncertainty and manage payment risk with that mindset are better positioned to hold their ground. The challenge for businesses is in balancing flexibility while tightening controls where pressure is rising.For more information, visit https://group.atradius.com/knowledge-and-research Press contact: Pavel Gómez del Castillo | pavel.gomezdelcastillo@atradius.comPhoto - https://mma.prnewswire.com/media/2983363/Top_3_risks.jpg Logo - https://mma.prnewswire.com/media/2929353/5978064/Atradius_Logo.jpg <img src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/2929353/Atradius_Logo.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="400" height="107" original-src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/2929353/Atradius_Logo.jpg"/> <img src="https://imageproxy.pbkrs.com/https://edge.prnewswire.com/c/img/favicon.png/query-c2Q9MjAyNi0wNS0yMCZzbj1MTjYzMTQ4?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="16" height="16" original-src="https://imageproxy.pbkrs.com/https://edge.prnewswire.com/c/img/favicon.png/query-c2Q9MjAyNi0wNS0yMCZzbj1MTjYzMTQ4"/> View original content to download multimedia:https://www.prnewswire.com/news-releases/nearly-four-in-five-companies-in-western-europe-faced-with-late-payments-atradius-survey-finds-302777390.htmlSOURCE Atradius N.V.</div></div>

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最近的一項 Atradius 調查顯示，近 80% 的西歐公司正面臨延遲付款，貿易信貸現在佔 B2B 交易的 52%。這種變化歸因於銀行融資受限以及由於通貨膨脹和地緣政治緊張局勢導致的輸入成本上升。許多企業報告現金流減少，並且對昂貴的外部融資的依賴加大。展望未來，超過一半的公司不預期付款行為會改善，這表明商業信心脆弱

Atradius 調查發現，西歐幾乎五分之四的公司面臨延遲付款問題