Late payment statistics: the Netherlands

Each row uses a single publisher and that publisher's own regional aggregate, so the two bars in a row are directly comparable. Rows are not comparable with one another: Atradius surveys companies in Western Europe on incidence, credit and insolvency-outlook questions, while the EU Payment Observatory draws on the ECB/EC SAFE survey across the EU-27. Bar lengths are drawn proportional to the percentage shown; no figure has been rescaled, imputed or harmonised across sources.

All four rows use each publisher's own regional average rather than named-country neighbours, because that is the benchmark each source itself reports for these questions.

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). The Netherlands draws on three of the four; B-READY does not cover the Netherlands.

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 Atradius' Statistical Appendix for Western Europe 2026: the share of B2B sales made on credit (73%, p. 3), the share of receivables collected within 30 days (76%, p. 6) and the share of businesses expecting insolvencies to worsen (14%, p. 8). Atradius reports these as separate market-level tables, so they are shown here as independent figures rather than components of one another.

Known gaps for the Netherlands. The World Bank's B-READY 2025 dataset does not cover the Netherlands, so the country has three of four score components rather than four, and no B-READY court-duration or insolvency-cost figures appear here. Eurostat's register-based bankruptcy index, used on the Germany page, was not extracted for the Netherlands in this wave; the Allianz Global Insolvency Outlook year-on-year figure is used instead. Atradius, Intrum and the EU Payment Observatory report the Netherlands' payment and consequence figures as independent single-year snapshots rather than a sequential recovery-to-write-off chain, so there is no Netherlands-specific invoice-to-receivable-to-supplier cascade to report on this page. Coface's Netherlands Corporate Payment Survey — the source of the agreed-term and payment-delay day-counts used on the Germany page — was not part of this wave's extraction, so no comparable day-count figures appear here; the Netherlands' payment-clock figure above is shown as a single on-time percentage rather than a split term/delay bar.

14 August 2026 — first publication of the Netherlands country report. 12 figures from 9 primary sources, plus the three Collection Risk Score components that cover the Netherlands. This page is updated in place; new editions replace the content at this URL rather than creating a new year-specific page.