EOS surveys – That's knowledge.

Knowing what moves the economy and society: that is our claim for EOS market and consumer studies. As a globally active financial services provider, we shed light on trends in risk and receivables management and deliver exciting findings as well as specialized expertise on the topics of payment practices and billing processes. In the social sphere, the focus is on consumers and debt. And not only nationally, but also internationally.

With our independent studies, which we produce together with renowned market research institutes, we actively promote public discussion. The annual EOS study 'European Payment Habits' has had its finger on the pulse of the international economy since 2007 and provides detailed insights into the payment habits of B2B and B2C customers in Europe and the respective countries, as well as into current topics relating to risk and receivables management.

Here you can find our current studies and publications:

EOS,  a financial services provider with global operations. With the knowledge  EOS delivers interesting insights and knowledge for payment practices, receivables management and other financial trends and topics.

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European payment habits - the EOS study

Main topics, all results and background information.

The annual EOS study 'European Payment Habits' has had its finger on the pulse of the international economy since 2007 and provides detailed, international insights into the payment habits of B2B and B2C customers as well as current topics relating to risk and receivables management.


European Payment Practices 2018.

What is the state of payment morale in Europe? What does the future hold and what differences are there in the individual countries? Does the debt collection industry influence the payment morale of society and Europe as a whole? How much revenue does the debt collection industry bring back to companies? What are the most serious consequences of late and non-payment? Which payment methods are currently state of the art for companies to offer their customers? The results of the study "European Payment Practices" 2018 shed light on this and other aspects.

No one can afford to be skeptical about digital payment methods in the long term. Klaus Engberding, CEO of the EOS Group


  • Payment practices 2018: positive trend.

    The on-time payment of invoices has improved in Europe in what has been a five-year trend. In 2018, 79 percent of invoices were paid on time, whereas in 2014 it was only 75 percent. During this period payment terms got shorter. Nevertheless, 18 percent of invoices in Europe continue to be paid too late and 3 percent of all outstanding bills are not paid at all.

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  • The EOS Study

    Reasons for poor payment practices.

    For experts in receivables management, the main reasons why private customers pay late are primarily temporary cash flow problems. In the case of business customers, missing payments from their own customers often lead to a payment delay or default. However, apart from purely monetary reasons, other reasons also play a role.

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  • The bill please!

    Conventional payment methods most popular: European companies offer their customers in most cases classic payment methods. Only 29 percent of companies offer digital payment options.

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  • Traditional payment options still popular.

    The majority of European companies are not considering making digital payment methods available to their customers in the near future. The most offered option of digital payment methods which is available in 23 per cent of companies.

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  • Without debt collection, up to 9 % of revenue is missing

    Companies name the added value in concrete terms through cooperation with debt collection service providers: payment of their own liabilities and job security are among the most frequently mentioned uses.

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  • 70% of the companies in Europe that use external receivables management would agree with this statement, that

    Study confirms: Debt collection has a positive influence on payment behavior. 

    Companies in Europe confirm the important role of the debt collection industry. In practice, they observe that the use of debt collection companies has a positive effect on the payment behaviour of both consumers and companies.

  • Existential threat in Europe.

    Unpaid invoices increase the danger of existential threat of European companies. At 42 percent, profit losses are the most frequent effect if customers don't pay their bills on time or do not pay at all.

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  • Challenges facing receivables management until 2020.

    Cutting costs and digital transformation are central challenges for experts in receivables management. 49 percent are worried about not being able to keep pace with the digital transformation.

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Study structure

On behalf of EOS, the independent market research institute Kantar TNS surveyed 3,400 companies in 17 European countries in telephone interviews in spring 2018. The opinions of experts in receivables management in companies with an average annual turnover of 28 million euros and 183 employees were analysed.

200 companies each in Denmark, Germany, Spain, Great Britain, France, Belgium, Switzerland, Romania, the Czech Republic, Croatia, Hungary, Bulgaria, Slovakia, Slovenia, Poland, Russia and Greece took part in the study.

European Payment Practices 2017.

Are you interested in the results of the 'European Payment Practices' survey from previous years?

In the 'Press Releases' and 'Infographics' sections you will find the publications of the EOS Survey 'European Payment Practices' 2017.

For older surveys please contact us.

Debt Survey 2017.

What do people get into debt for? How do they feel about it? And what are the reasons for repayment problems? The answers to these and other questions are provided in the EOS 'Debt Survey' 2017. In a representative online poll, social research institute forsa asked consumers in Germany, Russia and the USA about their personal attitudes to debt and how they deal with it, and about their own current financial situation.

In the 'Press Releases' and 'Infographics' sections you can find out more about the EOS 'Debt Survey' 2017.

EOS Magazine: What's also trending.

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