Late payment statistics: Spain

Each row uses a single publisher and that publisher's own comparison figures, so the bars within a row are directly comparable. Rows are not comparable with one another: the first two rows compare Spain with Atradius's own Western Europe regional average across the 14 markets its Payment Practices Barometer surveys; the third row has no regional-average equivalent published for this measure, so it instead shows Spain against its two nearest neighbours on Intrum's own 20-country ranking — Finland one place above, Denmark one place below — rather than the best-known markets. Bar lengths are drawn proportional to the percentage shown; no figure has been rescaled, imputed or harmonised across sources.

This page uses three comparison rows rather than a fixed count: Spain's own sourced figures support two Western-Europe-average rows and one nearest-neighbour row, and no further single-publisher regional comparison was available within the 8–15 figure budget for this page.

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). Spain draws on all four of the four components: Coface A2 (2.3), Allianz 38/100 (3.8), B-READY 71.13/71.43 average 71.28 (2.87) and WJP 0.65 (3.5), averaging to 3.1.

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 eleven 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: EOS, Atradius, Intrum and the EU Payment Observatory each survey different samples with different definitions, and their numbers are not interchangeable.

Known gaps for Spain. Spain's data does not include a full three-step supplier-payment cascade of the kind shown for some other Wave 1 countries: only the final consequence step — the 57% of Spanish businesses who say late payment has pushed them into paying their own suppliers late in turn (Intrum, 2026) — is available, so the impact-cascade module is omitted rather than constructed around a single data point. Allianz Trade's Global Insolvency Outlook narrative does not give an absolute insolvency case-count forecast for Spain, unlike some other Wave 1 countries, so this page uses only the year-on-year percentage change (-6% in 2025). Sidetrade and Xero Small Business Insights do not cover Spain, so there is no monthly Spanish time-to-pay series from either. Atradius's 2026 survey wave states that comparisons with previous editions are not possible, so its Spanish figures are shown as a single year rather than a trend.

14 August 2026 — first publication of the Spain country report. 14 figures from 11 primary sources, plus the four Collection Risk Score components that cover Spain. This page is updated in place; new editions replace the content at this URL rather than creating a new year-specific page.