[SAFE] Survey on the Access to Finance of SMEs

Name: Survey on the Access to Finance of SMEs
Creator: DBnomics

Updated on DBnomics on May 17, 2024 (6:43 AM).

[FREQ] Frequency

[H] Half-yearly
[Q] Quarterly

[REF_AREA] Reference area

[AT] Austria
[BE] Belgium
[DE] Germany
[ES] Spain
[FI] Finland
[FR] France
[GR] Greece
[IE] Ireland
[IT] Italy
[NL] Netherlands
[PT] Portugal
[SK] Slovakia
[T2] Euro area countries except Germany, France, Italy and Spain
[U2] Euro area (changing composition)

[FIRM_SIZE] Firm size (SAFE)

[ALL] All firm sizes
[LAR] Large firms
[MED] Medium-sized firms
[MIC] Micro firms
[SME] Small and medium-sized enterprises
[SML] Small firms

[FIRM_SECTOR] Firm economic activity (SAFE)

[A] All sectors
[C] Construction sector
[I] Industry sector
[S] Services sector [excluding trade]
[T] Trade sector

[FIRM_TURNOVER] Firm turnover (SAFE)

[0] All turnover breakdowns included
[1] Turnover of up to 2 million euros
[2] Turnover of more than 2 million and up to 10 million euros
[3] Turnover of more than 10 million and up to 50 million euros
[4] Turnover of more than 50 million euros
[9] Do not know firm turnover/No answer

[FIRM_AGE] Firm age (SAFE)

[0] All ages included
[1] Created 10 years ago or more
[2] Created between 5 and 9 years ago
[3] Created between 2 and 4 years ago
[4] Created less than 2 years ago
[9] Do not know firm age/No answer

[FIRM_OWNERSHIP] Firm other breakdowns (ownership, export) (SAFE)

[0] All types of ownership, all export classes included

[SAFE_QUESTION] SAFE question

[D0] D0. Characteristics of the firm - country of residence
[D1] D1. Characteristics of the firm - size
[D2] D2. Characteristics of the firm - autonomous
[D2A] D2A. Location of the parent company
[D3] D3. Characteristics of the firm - main activity
[D4] D4. Characteristics of the firm - turnover
[D5] D5. Characteristics of the firm - age
[D6] D6. Characteristics of the firm - ownership
[D6B] D6B. Characteristics of the firm - gender
[D7] D7. Percentage of export in total turnover
[FG] Financing gap
[FOB] Financing obstacles - broad definition
[Q0] Q0. Most pressing problem
[Q0B] Q0b. Pressingness of problems that the firm is facing
[Q0B_G1] Q0b_g1. Most pressing problem - over the past 3 months
[Q1] Q1. New developments in the firm
[Q10] Q10. Financing applied - conditions
[Q10_G1] Q10_g1. Financing applied - conditions - over the past 3 months
[Q11] Q11. External financing - factors
[Q11_G1] Q11_g1. External financing - factors - over the past 3 months
[Q12] Q12. Loan size
[Q14] Q14. Loan purpose
[Q16] Q16. Growth of the firm
[Q17] Q17. Turnover growth - expectations
[Q19] Q19. Confidence in negotiations
[Q2] Q2. Firm income generation indicators
[Q20] Q20. Financing growth - instruments
[Q21] Q21. Financing growth - amount
[Q22] Q22. Financing growth - the most important limitation
[Q23] Q23. External financing - expectations
[Q23_G1] Q23_g1. External financing - expectations - over the past 3 months
[Q24] Q24. Importance of factors in the future financing of the firm
[Q26] Q26. Turnover - expectations
[Q2_G1] Q2_g1. Firm income generation indicators - over the past 3 months
[Q32] Q32. Most important reason for bank loans being not relevant
[Q4] Q4. Financing structure
[Q4_G1] Q4_g1. Financing structure - over the past 3 months
[Q5] Q5. External financing - needs
[Q5_G1] Q5_g1. External financing - needs - over the past 3 months
[Q6] Q6. External financing - impact
[Q6A] Q6A. Purpose of financing
[Q6A_G1] Q6A_g1. Purpose of financing - over the past 3 months
[Q7A] Q7A. Financing applied
[Q7A_G1] Q7A_g1. Financing applied - over the past 3 months
[Q7B] Q7B. Financing applied - outcome
[Q7B_G1] Q7B_g1. Financing applied - outcome - over the past 3 months
[Q8A] Q8A. Size of the last bank loan obtained in the last 6 months
[Q8B] Q8B. Interest rate charged for the credit line or bank overdraft
[Q9] Q9. Financing applied - availability
[Q9_G1] Q9_g1. Financing applied - availability - over the past 3 months

[SAFE_ITEM] SAFE question related item

[10A] Level of interest rates
[10B] Level of the cost of financing other than interest rates (charges, fees, commisions)
[10C] Available size of loan or credit line
[10D] Available maturity of the loan
[10E] Collateral requirements
[10F] Other terms and conditions of the bank financing, e.g. loan covenants, required guarantees, information requirements, procedures, time required for loan approval
[11A] General economic outlook, to obtain external financing
[11B] Access to public financial support including guarantees
[11C] Your firm-specific outlook
[11D] Your firm own capital
[11E] Your firm credit history
[11F] Willingness of banks to provide credit
[11G] Willingness of business partners to provide trade credit
[11H] Willingness of investors to invest in your enterprise
[16A] In terms of employment regarding the number of full time or full-time equivalent employees
[16B] In terms of turnover
[19A] With banks
[19B] With equity investors/ venture capital firms
[1A] A new or significantly improved product or service to the market
[1B] A new or significantly improved production process or method
[1C] A new organisation of management
[1D] A new way of selling your goods or services
[22A] Bank or other loan
[22B] Equity investment or mezzanine
[24A] Guarantees for loans
[24B] Measures to facilitate equity investments
[24C] Export credits or guarantees
[24D] Tax incentives
[24E] Business support services
[24F] Making existing public measures easier to obtain
[2A] Turnover
[2B] Labour cost (including social contributions)
[2C] Other costs influencing income generation (e.g. materials, energy, other)
[2D] Interest expenses
[2E] Profit
[2F] Profit margin
[2G] Fixed investment
[2H] Inventories and working capital
[2I] Number of employees
[2J] Debt compared to assets
[6A] Fixed Investment
[6B] Inventories and working capital
[6C] Availability of internal funds
[6D] Mergers and acquisitions and corporate restructuring
[6_1] Fixed Investment
[6_2] Inventories and working capital
[6_3] Hiring and training of employees
[6_4] Developing and launching new products or services
[6_5] Refinancing or paying off obligations
[FBLN] Bank loan
[FDSE] Debt securities issued
[FEQI] Equity investments in your firm
[FFAC] Factoring
[FGSL] Grants or subsidised bank loan
[FIFN] Internal funds (retained earnings or sale of assets)
[FLEH] Leasing or hire-purchase
[FLHF] Leasing or hire-purchase or factoring
[FOLN] Other loans
[FOTH] Other types of financing n.e.i.
[FOVD] Credit line, bank overdraft or credit cards overdraft
[FSPL] Subordinated loans, participating loans, preferred stocks or similar financing instruments
[FTCR] Trade credit
[FXXX] Did not use external financing
[K1] Working capital
[K2] Land/buildings or Equipment/vehicles
[K3] Research and development or intellectual property
[K4] Promotion
[K5] Staff training
[K6] Buying another business
[N8] Other
[N9] Do not know
[P1] Finding customers
[P2] Competition
[P3] Access to finance
[P4] Costs of production or labour
[P5] Availability of skilled staff or experienced managers
[P6] Regulation
[ZZZZ] Not applicable

[SAFE_ANSWER] SAFE answer

[AT] Austria
[B1] Not autonomous (subsidiary or branch)
[B2] Autonomous firm
[B4] Subsidiary
[B5] Branch
[BE] Belgium
[C] Construction sector
[CT1] The same country
[CT2] Different country in the euro area
[CT3] Different country in EU member state not belonging to euro area (changing composition)
[CT4] Different country outside EU
[CY] Cyprus
[D1] Turnover of up to 2 million euros
[D2] Turnover of more than 2 million and up to 10 million euros
[D3] Turnover of more than 10 million and up to 50 million euros
[D4] Turnover of more than 50 million euros
[D5] Turnover of up to 500 thousand euros
[D6] Turnover of more than 500 thousand and up to 1 million euros
[D7] Turnover of more than 1 million and up to 2 million euros
[DE] Germany
[E1] Created 10 years ago or more
[E2] Created between 5 and 9 years ago
[E3] Created between 2 and 4 years ago
[E4] Created less than 2 years ago
[EE] Estonia
[ES] Spain
[EX1] 0% - no export of goods and services
[EX2] Less than 25%
[EX3] Between 25% and 50%
[EX4] Over 50%
[F1] Ownership listed on the stock market
[F2] Ownership family or entrepreneurs
[F3] Ownership other firms or business associates
[F4] Ownership venture capital firms or business angels
[F5] Ownership a natural person, one owner only
[FI] Finland
[FR] France
[G1] Male
[G2] Female
[GR] Greece
[H1] Yes
[H2] No
[I] Industry sector
[IE] Ireland
[IT] Italy
[L1] Level 1 out of 10, not at all
[L10] Level 10 out of 10, extreme
[L2] Level 2 out of 10
[L3] Level 3 out of 10
[L4] Level 4 out of 10
[L5] Level 5 out of 10
[L6] Level 6 out of 10
[L7] Level 7 out of 10
[L8] Level 8 out of 10
[L9] Level 9 out of 10
[LAR] Large firms
[LU] Luxembourg
[M1] Over 20% per year
[M2] Less than 20% per year
[M3] No growth
[M4] Got smaller or will become smaller
[MED] Medium-sized firms
[MIC] Micro firms
[MT] Malta
[N1] Increased, improved or will improve
[N2] Remained unchanged or will remain unchanged
[N3] Decreased, deteriorated or will deteriorate
[N7] Not applicable to the firm
[N8] Other
[N9] Do not know
[N99] Relevant but do not know if used
[NL] Netherlands
[NN] Net (increased minus decreased responses)
[NT] Total
[P1] Finding customers
[P2] Competition
[P3] Access to finance
[P4] Costs of production or labour
[P5] Availability of skilled staff or experienced managers
[P6] Regulation
[PT] Portugal
[R1] Applied
[R2] Did not apply because of possible rejection
[R3] Did not apply because of sufficient internal funds
[R4] Did not apply for other reasons
[S] Services sector [excluding trade]
[S1] Applied and got everything
[S2] Applied but only got part of it
[S3] Applied but refused because cost too high
[S4] Applied but was rejected
[S5] Applied and got most of it
[S6] Applied but only got a limited part of it
[S8] Application is still pending
[SI] Slovenia
[SK] Slovakia
[SME] Small and medium-sized enterprises
[SML] Small firms
[T] Trade sector
[T2] Euro area countries except Germany, France, Italy and Spain
[V1] Used
[V2] Did not use but relevant
[V3] Relevant
[W1] There are no obstacles
[W2] Insufficient collateral or guarantee
[W3] Interest rates or price too high
[W4] Reduced control over the firm
[W5] Financing not available at all
[W6] Too much paper work
[W7] No bank loans available
[W8] No need for this type of financing
[X1] Bank loan
[X2] Loan from other sources
[X3] Equity investment
[X4] Subordinated loans, participating loans, preferred stocks or similar financing instruments
[Y1] We did not take a loan
[Y2] Up to EUR 25,000
[Y3] More than EUR 25,000 and up to EUR 100,000
[Y4] 100 000 - 1 million euros
[Y5] Over EUR 1 million
[Y6] More than EUR 100,000 and up to EUR 250,000
[Y7] More than EUR 250,000 and up to EUR 1 million

[SAFE_FILTER] SAFE filter - applicable answer

[AL] Including not applicable responses
[FL] Excluding not applicable responses

[SAFE_DENOM] Denomination in SAFE context

[UN] Unweighted number of responses
[WA] Weighted average
[WM] Weighted median
[WN] Weighted number of responses
[WP] Weighted percentage of responses

Search filters

Frequency [FREQ] (2)

Reference area [REF_AREA] (14)

Firm size (SAFE) [FIRM_SIZE] (6)

Firm economic activity (SAFE) [FIRM_SECTOR] (5)

Firm turnover (SAFE) [FIRM_TURNOVER] (6)

Firm age (SAFE) [FIRM_AGE] (6)

Firm other breakdowns (ownership, export) (SAFE) [FIRM_OWNERSHIP] (1)

SAFE question [SAFE_QUESTION] (50)

SAFE question related item [SAFE_ITEM] (78)

SAFE answer [SAFE_ANSWER] (121)

SAFE filter - applicable answer [SAFE_FILTER] (2)

Denomination in SAFE context [SAFE_DENOM] (5)

This dataset has 288,096 series:

Trim NA Values

Series code	2014-S1	2014-S2	2015-S1	2015-S2	2016-S1	2016-S2	2017-S1	2017-S2	2018-S1	2018-S2	2019-S1	2019-S2	2020-S1	2020-S2	2021-S1	2021-S2	2022-S1	2022-S2	2023-S1	2023-S2	2009-S1	2009-S2	2010-S1	2010-S2	2011-S1	2011-S2	2012-S1	2012-S2	2013-S1	2013-S2
[H.AT.SME.A.0.0.0.D2A.ZZZZ.NT.AL.WN]	28.20079	44.86526	41.9905	44.91401	41.76346	43.70143	39.30152	41.75424	40.94702	40.26196	36.99198	40.80102	37.85077	38.8433	31.8423	41.06504	37.5492	35.14482	38.88015	42.03368	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
[H.AT.SME.A.0.0.0.D3.ZZZZ.C.AL.WP]	10.94574	12.43792	13.46462	11.83763	11.95637	11.10987	11.61701	10.42214	12.48617	11.38281	11.4571	11.01379	8.115637	12.76101	13.8403	11.55662	11.8972	13.83143	12.68758	9.475115	9.820566	5.969123	6.113209	8.872654	7.344562	8.069271	8.914748	9.795009	8.190032	9.980682
[H.AT.SME.A.0.0.0.D3.ZZZZ.I.AL.WP]	16.43842	15.92716	15.17385	14.08995	12.63199	15.42556	15.14422	12.33857	14.50624	15.38879	12.83122	13.71062	8.628329	13.10096	14.75224	13.68435	12.24304	10.96477	13.48154	11.543	11.48499	13.64063	15.05726	20.93078	16.2195	16.55298	15.9348	15.96156	13.46521	14.31479
[H.AT.SME.A.0.0.0.D3.ZZZZ.NT.AL.UN]	460	735	461	737	463	736	460	736	461	737	461	738	460	534	379	673	461	604	463	734	204	183	180	461	465	470	476	470	471	470
[H.AT.SME.A.0.0.0.D3.ZZZZ.NT.AL.WN]	211.7785	244.7176	226.765	244.8054	233.1542	251.7074	231.1025	250.4682	226.3576	249.307	225.2713	233.8145	220.7582	228.2277	197.6196	213.49	206.8741	214.171	221.5994	235.9657	117.4061	104.0013	103.8449	151.0205	160.6832	149.8069	149.6895	151.4858	162.2055	153.8135
[H.AT.SME.A.0.0.0.D3.ZZZZ.S.AL.WP]	48.11299	46.24446	44.89663	48.25029	44.37925	48.90242	47.30595	53.75535	45.3301	49.75591	49.99084	49.15456	55.73773	51.42373	45.18931	48.85819	50.07784	48.1261	47.80135	52.89485	49.51157	54.50753	48.92809	43.22842	48.84066	47.83553	50.18353	51.09446	53.18123	52.35391
[H.AT.SME.A.0.0.0.D3.ZZZZ.T.AL.WP]	24.50284	25.39046	26.4649	25.82212	31.03239	24.56215	25.93283	23.48394	27.6775	23.47249	25.72084	26.12103	27.5183	22.7143	26.21815	25.90084	25.78192	27.0777	26.02953	26.08704	29.18287	25.88272	29.90144	26.96815	27.59528	27.54221	24.96693	23.14898	25.16353	23.35061
[H.AT.SME.A.0.0.0.D4.ZZZZ.D1.AL.WP]	49.75356	49.02671	46.38559	47.88474	45.1837	46.16503	47.3595	51.64946	46.86488	44.05921	47.01827	44.87447	45.92868	48.84501	47.69711	47.00567	48.64598	47.23623	46.73656	48.2907	50.2363	50.06491	48.8188	49.48115	48.44557	52.13773	52.38628	51.64907	50.66859	48.70565
[H.AT.SME.A.0.0.0.D4.ZZZZ.D2.AL.WP]	22.57292	25.71644	26.97509	27.05927	25.86413	24.59813	25.97403	25.00299	27.40348	25.78645	26.48969	29.40103	27.1605	24.70838	24.00828	27.39641	24.77293	26.88231	22.95812	24.98317	26.78582	23.01514	24.75754	25.53722	26.80346	26.19568	23.74908	25.53475	26.08727	28.63954
[H.AT.SME.A.0.0.0.D4.ZZZZ.D3.AL.WP]	17.64936	18.61133	16.02423	18.34638	22.03246	19.1558	18.3949	16.91515	19.61929	19.59604	17.93801	17.68641	20.29653	18.27305	19.01865	18.62068	18.19839	18.19347	21.134	18.38248	11.48109	16.61441	16.16246	16.63902	17.66368	16.39235	15.23531	16.63286	16.17044	15.54755

Showing results 21 - 30 / 288,096