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The Swedish economy is forecast to grow 2.9% in 2016. Supported by low interest rates, household consumption and investment are expected to grow.

Swiss business insolvencies increased 7% in 2015 due to a more difficult economic environment. The number of corporate insolvencies remains high in 2016.

In the United Kingdom, consumer spending is still fuelling the economic expansion, helped by a decrease in unemployment and low consumer price inflation.

Poor payment practices of B2B customers caused financial distress on businesses in Western Europe and a ripple effect throughout the whole supply chain.

Fast doppelt so viele Befragte in Österreich (etwa 21,0 %) wie im übrigen Westeuropa (12,0 %) gaben an, sie hätten aufgrund von Zahlungsverzug Investitionen in Sachanlagen verschieben müssen.

As seen in France, more respondents in Belgium (30%) than in Western Europe (22.4%) expect deterioration in their DSO over the next 12 months.

Half of our Danish respondents (27% in Western Europe) said that B2B customers delay payments as they use outstanding invoices as a form of financing.

Notably more respondents in France (31.3%) than in Western Europe (22.4%) expect deterioration in their DSO over the next 12 months.

93.0% of respondents in Germany experienced late payment of invoices by B2B customers over the past year. This in spite of very strict payment terms.

Far more respondents in Greece (87%) than in Western Europe (57.9%) said that domestic B2B customers pay invoices late due to liquidity issues.

Around 40% of respondents in Ireland said they will check their customers’ payment records and increase monitoring of their buyers’ credit risk.

Due to late payment of commercial invoices, notably more respondents in Italy (41%) than in Western Europe (23.7%) delayed payments to their suppliers.

Despite a firm grip on trade receivables management, 1 in 5 respondents in the Netherlands had to delay payments to their own suppliers.

Two in five respondents in Spain expect payment practices of B2B customers in the consumer durables industry to deteriorate over the next 12 months.

One in four Swedish respondents believe that late payment from export customers is due to external factors such as inefficiencies of the banking system.

More respondents in Switzerland (32%) than in Western Europe (26%) will increase the use of cash, or of terms other than credit in B2B trade.

Survey findings point to Great Britain as the country in Western Europe that is the most impacted by late payment from export customers.

Robust domestic demand expected to continue in 2016, but smaller players are struggling.

Consumption growth continues in 2016 but margins remain tight.

More troubles for the electronics and toys segments.