Understand the market - with the help of EOS surveys

Conducting research in your interest

We are experts in our field. By increasing our knowledge and exchanging ideas, we are able to provide efficient client services that undergo constant improvement.

EOS studies provide us with a regular overview of the current market situation in different countries. In cooperation with established and independent market research institutes, we have been questioning companies and end customers since 2003. This is how we obtain verifiable, transparent and comparable facts and figures about our entire spectrum of activity.

In addition to conducting primary studies, we also analyze our in-house data on a regular basis.
Our results help us to offer you market-oriented services. And to optimize the synergies from client relations.

European Payment Practices 2014

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Do Europeans pay their bills punctually or not? And why do they do that? The results of the EOS Survey 2014 ‘European Payment Practices’ provide answers to these very questions and much more. To get this overview, market research institute TNS Infratest polled 2,600 financial experts from 12 European countries about payment practices.

More information on the EOS Survey 2014 ‘European Payment Practices’

Hong Kong: Faster incoming payments for exporters

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On average, customers of Hong Kong-based exporters are settling their invoices 27 days earlier than in the previous year. That is the result of the annual survey of exporters by EOS Hong Kong on payment defaults. According to the data, it took an average of 77 days to settle an account in 2012. This has been reduced to 50 days in 2013. Overall, 60 per cent of all Hong Kong-based export firms are affected by outstanding payments.

Bulgaria: Payment morale seasonally affected

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The payment practices of debtors in Bulgaria are dependent on seasonal factors. This is the result of a survey EOS Matrix Bulgaria conducts regularly together with other large member companies of the Association of Collection Agencies in Bulgaria, ACABG (75 per cent of the local market). It showed that low rates of collection are commonly experienced during the months of January and February due to high electricity and heating costs. The rate of collection increases in the summer months, which coincides with a reduction in the rate of unemployment. Payment morale decreases once more in autumn and then rises again in December when Christmas bonuses are paid.

Germany: Banks are missing opportunities

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Banks often underestimate the capacity of receivables to provide credit security and thereby forego valuable potential to fulfil regulatory capital requirements – so the result of a survey of 150 decision makers from banks and savings banks commissioned by EOS Deutschland business unit B2B. Receivables therefore rank low on the list of priorities of the institutes. The reasons: a reputedly high amount of required effort and dissatisfaction with the valuation method. As such, 18 per cent of receivables are not valued at all and the balance is mostly given a blanket valuation.

Romania: Converse trends in B2B and B2C debt collection

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Inconsistent trends in the B2C and B2B areas have been identified through regular surveys of members of the Romanian debt collection association AMCC on the state of the market. A reduction of almost seven per cent in the volume of debts collected was recorded among domestic private consumers between the second quarters of 2011 and 2012. In the area of domestic firms, however, the volume increased by around 24.5 per cent over the same period.


European Payment Practices 2013

What are Europe’s Payment Practices? Where do the most reliable customers live? And where the least punctual payers? These and many other questions are answered by the EOS Survey 2013 ‘European Payment Practices’. For the sixth year in a row the EOS Group asked market research institute Ipsos to poll European decision-makers on payment practices in their country. For the first time, 2,600 persons from a total of 12 European countries were interviewed. 

European Payment Practices 2013


European payment practices 2012

For the fifth time in a row, independent market research institute Ipsos has surveyed 2200 companies located in ten different countries on behalf of EOS to determine local payment practices. 200 companies in each country surveyed—Great Britain, Spain, Greece, Romania, Russia, Slovakia, Bulgaria, Poland and Belgium—plus 400 companies in Germany, responded to questions about their payment experiences, economic development within their countries and the topics of risk management and receivables management.

European Payment Practices 2012


EOS Ten Nations Survey 2011 ‘European Payment Practices’

In spring 2011, in cooperation with the independent market research organization Ipsos, the EOS Group asked a total of 2200 companies in ten countries about prevailing payment practices in their respective countries.

EOS Ten Nations Survey 2011 ‘European Payment Practices’

EOS Ten Nations Survey 2010 ‘European Payment Practices’

EOS, in cooperation with the independent market research organization Ipsos, asked a total of 2,200 companies in ten countries about the payment practices prevailing in their local country.

EOS Ten Nations Survey 2010 ‘European Payment Practices’

European Payment Practices 2009

In order to conduct the Payment Practices Survey 2009, the EOS Group, in collaboration with the independent market research organization Ipsos, questioned 1200 companies in five European countries.

European Payment Practices