Late payment statistics: Poland

Each row uses a single publisher and that publisher's own comparison group, so the bars within a row are directly comparable. Rows are not comparable with one another: CRIBIS D&B measures settled payment records across 37 countries, the EU Payment Observatory draws on the ECB/EC SAFE survey across the EU-27, and Intrum surveys 20 European markets. Bar lengths are drawn proportional to the percentage shown; no figure has been rescaled, imputed or harmonised across sources.

The CRIBIS row shows Poland against its own nearest European neighbours on the value — Denmark (the only European market ahead of Poland in that release) and Hungary (the next European market below, closer to Poland than the Netherlands or Switzerland) — rather than the best-known European economies. The other two rows use each publisher's own EU-27 or 20-market average as the benchmark, because that is the aggregate the publisher itself reports.

The score is an editorial comparison index built from four public, independently published sources. For each country we take whichever of the four are available, map each onto a common 1–10 scale using a fixed linear mapping, and take the simple average. A country needs at least two of the four to receive a score. Scores run 1 to 10, where 10 is the highest collection risk, and display in four bands: Low below 3.5, Moderate 3.5–4.9, Elevated 5.0–6.4, High 6.5 and above.

Mappings: Coface Country Risk Assessment A1=1.0, A2=2.3, A3=3.6, A4=4.9, B=6.1, C=7.4, D=8.7, E=10.0 (160 countries). Allianz Collection Complexity Score max(1, score ÷ 10) (52 economies). World Bank B-READY max(1, (100 − the average of the Dispute Resolution and Business Insolvency topic scores) ÷ 10) (101 economies). WJP Rule of Law Index Civil Justice factor max(1, (1 − score) × 10) (143 countries). Poland draws on all four components.

This is not a credit rating. It is an editorial comparison index for a statistics and journalism product — not a credit rating, not a probability of default, not a measure of any individual company's creditworthiness, and not legal or financial advice. It is not produced by a regulated rating agency and must not be used as a substitute for one.

Every figure on this page is drawn from one of the nine primary sources listed below, extracted with an exact page, chart or dataset locator, and published only where that locator was verified in the source file itself. Figures from different publishers are reported side by side rather than merged: Atradius, Intrum and the EU Payment Observatory each survey different samples with different definitions, and their numbers are not interchangeable.

The headline figures at the top of this page come from the EU Payment Observatory's dedicated Poland country chapter: the average B2B payment period (62 days, report p. 106) and the average payment term offered (47 days, same page). The Observatory reports these as the source's own explicit ranking statements for Poland (third-highest payment period, second-longest terms in the EU) rather than as chart values we derived independently, so they are cited as the publisher's own stated claim.

Known gaps for Poland. The OECD's "payment delays, B2B" series does not include a Poland reading. Allianz Trade's separate Risk Barometer survey does not cover Poland — the country falls below that survey's 15-respondent inclusion threshold — so no Risk Barometer figure appears here; the insolvency reading on this page instead comes from Allianz Trade's Global Insolvency Outlook, a different Allianz product built from national insolvency registries rather than a survey. Eurostat's business-bankruptcy index, used on Germany's page as a second, corroborating insolvency source, was not extracted for Poland within this page's fact budget, so Poland's insolvency trend rests on a single publisher rather than two independent ones.

14 August 2026 — first publication of the Poland country report. 15 figures from 9 primary sources, plus all four Collection Risk Score components covering Poland. This page is updated in place; new editions replace the content at this URL rather than creating a new year-specific page.