Sectors with the most delinquencies during the first half of 2022
Delinquencies in Spain have continued to grow during the first half of the year, making this country the third country with the most delinquencies. The consequences of the COVID pandemic have led to the insolvency of many businesses and self-employed workers as they were unable to return ICO loans executed during the pandemic, in addition to leaving numerous invoices pending payment. Although there are sectors with more delinquencies than others, the delinquency rate has continued to rise and this trend is expected to continue. Forecast of the default rate in Spain in 2022 Credit Back, a solutions company against late payment, presented the data of the first barometer of 2022 in April with new data on late payment levels in Spain: 65% of companies have experienced non-payments , 2% more than the year past. Furthermore, it is expected that this rate will continue to increase as the aforementioned ICO credits mature. In fact, it is estimated that the default rate in Spain will increase to 4.6% during 2022 and will moderate to around 4.5% in 2023, according to the first report “ European Bank Lending Economic Forecast” prepared by EY in reference to eurozone bank lending forecasts. Sectors with the most delinquencies during the first half of 2022 The sectors that have suffered the most from these non-payments are those related, above all, to the activities that were most affected by the stoppage during the pandemic: Agriculture Feeding Automotive Transport Construction and materials electronics Printing and paper Services textile trade Furthermore, the self-employed group stands out as the most insolvent as well as the most affected by non-payments.Unclaimed defaults: reasons and consequences The same barometer also reveals that 11% of the companies that have participated in the study refuse to collect their debts . This is due to a lack of Phone Number List information and legal advice. In fact, from Credit Back, companies are encouraged to obtain advice on their rights in relation to non-payments, since the lack of this advice causes them to stop depositing significant sums. Furthermore, it is estimated that 5% of Spanish companies are at risk of closure due to these non-payments and that 10% will have to resort to extra financing to alleviate the effects of uncollected invoices. Collection companies in Spain: reduction of non-payments Collection companies in Spain are some of the most efficient solutions when it comes to ending many of the non-payment situations experienced by businesses in the country. In fact, having one of them is almost essential for any organization that wants to avoid these risks. With these companies, it is not only possible to minimize the risks of non-payment, but also allows them to be managed until they have been settled. Recover yourself: prevention and management of non-payments One of the companies in the collection sector in Spain that stands out the most is Recobarte. There are many advantages of having a company like this, which offers a large number of services to its clients and not only when it comes to claiming non-payments. Recobrarte is a specialized agency with which companies can count on the necessary advice both when it comes to claiming non-payments, as well as when it comes to preventing them. Prevention in the creation of invoices Prevention is essential before action.
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In fact, there are a large number of invoices that remain unpaid due to the lack of information in them, as well as because they are not very intelligible or complete. According to the law that regulates the concepts of invoices, they must contain a series of mandatory and well-specified fields so that they can be considered valid. The omission of any of this information can lead to non-payment and, even worse, making your claim impossible. For this reason, the Recobrarte legal team offers its advisory services from the first moment of the process. Claim actions Once the due date of the invoice has arrived and it has not been satisfied, Recobrarte professionals will take the necessary steps to expedite its payment, always complying with legal regulations: never coerces and all actions are carried out in accordance with the regulations established for this purpose. Claims from Recobrarte are made by phone call or . Information is offered to the party that has carried out the non-payment and different ways to proceed with the payment are offered. If the debt has not been satisfied within the established period , experts will contact their clients and tell them the different ways to proceed. In any case, and before reaching a trial, the company's legal representatives will review all the information and verify the possibility of taking legal action. only works with valid documentation that can be claimed. Finally, if its clients decide to continue with the process, the company will provide them with all the necessary support from the legal department so that the process ends with payment. Furthermore, Recobrarte will only charge for its services if the invoices have been paid. In this way, if you do not collect these payments, your clients will not have to pay any amount. Collection companies are one of the basic pillars when it comes to reducing high delinquency rates. Not only do they offer advice to their clients, but all the processes they carry out are legal and contemplated by current law.
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