Survey Facts

The EOS Group survey ‘European Payment Practices’ analyses the relationships between payment behaviour, payment terms and the influence of cash flows on Europe’s economy and society.

On behalf of EOS, in the spring of 2017 the independent market research institute Kantar TNS once again surveyed experts in European countries regarding local payment practices.

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Thoughts made visible.

Economic cycle

The consequences of late payments and default can be a serious concern for companies. This makes it even more important for them to use debt collection services: professional receivables management maintains their cash flow.

Economic driver

Payments returned by debt collection are an important support for companies. They use the liquidity to settle their own open invoices. And they invest in their future.

Investment brakes

The following materials illustrate how the company experts who were polled evaluate the current consequences of payment delays and defaults on profit, liquidity and interest costs, and what business risks they believe they are exposed to.

Terms of payment

Staying solvent and making a profit top the list of priorities of all European companies. For this to happen, customers have to pay their bills – ideally on time. The latest EOS survey "European Payment Practices" 2017 investigates the factors that influence good payment practices.


A completely digitalised arrears billing procedure, consisting of highly automated debt collection processes tailored to specific customer needs, e.g. using big data analyses, is still a pipe dream in many European companies.


The effects of payment delays and defaults by customers are not just critical for the companies involved but ultimately also for consumers themselves. Companies often respond to outstanding payment receipts by cutting personnel and raising prices.

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