Late payment statistics: Sweden

Each row uses a single publisher and that publisher's own comparison table, so the bars within a row are directly comparable. Rows are not comparable with one another: Atradius surveys companies in Western Europe, 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 AI-adoption row shows Sweden against the countries nearest to it on the published value, rather than a regional average, because Intrum does not report one for this specific metric. Peers were chosen strictly by proximity on the value, from the source's own complete 20-country list.

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). Sweden is covered by all four: (2.3 + 3.5 + 3.4 + 1.7) ÷ 4 = 2.7.

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 ten 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: CRIBIS D&B, the EU Payment Observatory, Intrum and Atradius each survey different samples with different definitions, and their numbers are not interchangeable.

The headline on-time-payment figure comes from CRIBIS D&B's Q4 2025 settled-payment release (56.7%). The payment-period, late-payment-issues and instant-payments figures come from the European Commission's EU Payment Observatory Annual Report 2025, Sweden's dedicated country chapter. The Atradius Statistical Appendix — Western Europe 2026 explicitly covers Sweden despite the country being surveyed separately for Atradius's narrative Nordics report; its own scope note states that ‘Finland and Sweden are part of Western Europe but are analysed separately in the dedicated Nordic report’, and its six appendix tables include a clean Sweden row alongside 13 other Western European markets.

Known gaps for Sweden. EOS European Payment Practices does not cover Sweden — EOS surveys eleven European countries (Bulgaria, Czechia, Germany, France, Croatia, Hungary, Poland, Romania, Slovenia, Spain and Switzerland) and Sweden is not among them — so this page carries no dunning-digitalisation figure of the kind shown on the Germany page. Eurostat's business-bankruptcy year-on-year series was not used for Sweden; the Allianz Global Insolvency Outlook already supplies a five-year Swedish insolvency history and forecast, judged sufficient to cover the topic without a second series.

14 August 2026 — first publication of the Sweden country report. 15 figures from 10 primary sources, plus all four Collection Risk Score components. This page is updated in place; new editions replace the content at this URL rather than creating a new year-specific page.