Klient nie płaci, a firmy nie wiedzą co robić
Ponad 80 proc. MŚP nie dostaje płatności w terminie. Są procedury, które mogą ograniczyć ryzyko.

Coraz więcej firm przyznaje, że zapłatę za sprzedane towary i usługi dostaje po terminie. Mimo to połowa z nich nie ma opracowanego scenariusza, co robić, kiedy klient nie płaci – wynika z „Audytu windykacyjnego” przeprowadzonego przez Keralla Research na zlecenie Kaczmarski Inkasso.
Tymczasem problem pogłębia się – dwa lata temu brak terminowej zapłaty sygnalizowało 71 proc. MŚP, w tym roku – 81 proc. Chodzi zarówno o regulowanie należności z faktur, jak i wypłatę wynagrodzeń dla pracowników, spłacanie kredytów czy leasingu.
W 4,4 proc. firm do kasy wpływa z opóźnieniem ponad połowa pieniędzy od kontrahentów, a 11,8 proc. dostaje po terminie od 25 proc. do 50 proc. zapłaty. To mniej niż w 2015 r., kiedy ten odsetek wynosił odpowiednio 12,6 proc. i 14,2 proc., ale nadal co 6 polskie MŚP co miesiąc walczy o przeżycie, często kredytując się kosztem innych, którym też nie płaci w terminie.
Ponad 18 proc. przedsiębiorców przyznaje, że klienci płacą im z opóźnieniem bardzo często. Dwa lata temu twierdziło tak 24 proc. ankietowanych. Z kolei 63 proc. firm sygnalizuje, że spotykają się z opóźnieniem sporadycznie lub czasami (dwa lata temu – 48 proc.). To oznacza, że zjawisko opóźnień w płatnościach dotyka większej liczby firm, ale jego dokuczliwość zmalała.
– To bez wątpienia wpływ dobrej koniunktury. Kiedy gospodarka się rozwija, przedsiębiorcy płacą chętniej. Ale z drugiej strony jeśli ktoś w tak komfortowych warunkach pozwala sobie na to, aby nie płacić w terminie, to gdy tylko pojawi się choćby niewielki kryzys, nie zapłaci na pewno – ostrzega Jakub Kostecki, prezes Kaczmarski Inkasso. Dlatego według niego warto opracować scenariusze na wypadek, gdy klient zalega z uregulowaniem należności.
Nie ma jak kontrola
Według badania aby zapobiegać zaległościom, przedsiębiorcy starają się kontrolować wpływy na konto. Wykorzystują do tego różne narzędzia. Niemal połowa samodzielnie monitoruje płatności od kontrahentów lub wspomaga się programem księgowym (prawie 40 proc.). Ci, którzy preferują bezpośredni nadzór, codziennie sami logują się na konto bankowe i sprawdzają wpływy (30 proc.) lub zlecają to księgowości (46 proc.).
– Zadziwiające jest to, że choć zjawisko płacenia po terminie jest powszechne i mocno zakorzenione w rynkowej mentalności, co druga firma nie ma opracowanego planu działania. W biznesie, jak w medycynie, profilaktyka jest zawsze tańsza od leczenia – tłumaczy Jakub Kostecki.
W stosunku do badania sprzed dwóch lat zwiększyła się liczba firm, które opracowały scenariusze działania na wypadek odwlekania zapłaty faktur przez kontrahentów. Obecnie połowa przedsiębiorców deklaruje, że ma plan działania w zakresie odzyskiwania należności (w 2015 r. – niecałe 40 proc.).
Według Kaczmarski Inkasso trzeba sprawdzać kontrahentów przed zawarciem transakcji, jak i monitorować płatności.
Badanie „Audyt windykacyjny” zostało przeprowadzone w listopadzie 2017 r. przez Keralla Research na zlecenie firmy windykacyjnej Kaczmarski Inkasso na próbie 500 MŚP.
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180 mln zł długów firm z branży IT
Zadłużenie przedsiębiorców z branży spadło w minionym roku, jednak problemem mogą okazać się rosnące należności od klientów.
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60 proc. firm nie dostaje zapłaty na czas
Długi przedsiębiorstw sięgnęły 9,4 mld zł. W najbliższym roku sytuacja finansowa części firm pogorszy się.
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Wartość faktur do windykacji wzrosła o 1/3
Przedsiębiorcy tracą cierpliwość do dłużników. Średni okres przeterminowania faktur skrócił się, ale wynosi nadal aż 180 dni.