[SAFE] Survey on the Access to Finance of SMEs

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

Updated on DBnomics on December 5, 2024 (6:42 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
[FG_G1] Financing gap_g1 - over the past 3 months
[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] (51)

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 288,525 series:

Trim NA Values

Series code	2009-S1	2009-S2	2010-S1	2010-S2	2011-S1	2011-S2	2012-S1	2012-S2	2013-S1	2013-S2	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	2024-S1
[H.AT.SME.A.0.0.0.D0.ZZZZ.NT.AL.UN]	204	183	180	461	465	470	476	470	471	470	460	735	461	737	463	736	460	736	461	737	461	738	460	534	379	673	461	604	463	734	718
[H.AT.SME.A.0.0.0.D0.ZZZZ.NT.AL.WN]	117.4061	104.0013	103.8449	151.0205	160.6832	149.8069	149.6895	151.4858	162.2055	153.8135	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	250.2838566907
[H.AT.SME.A.0.0.0.D1.ZZZZ.MED.AL.WP]	27.68871	27.83448	27.83448	28.04577	27.68693	27.76679	27.76708	27.43779	27.43779	28.03222	28.03221	28.07284	28.07284	28.07284	27.70786	27.70786	27.74089	27.74089	27.64336	27.64336	27.87776	27.87776	27.81874	27.81874	27.73823	27.73823	27.70946	27.70946	27.41601	27.41601	26.3319
[H.AT.SME.A.0.0.0.D1.ZZZZ.MIC.AL.WP]	38.28339	38.03983	38.03983	37.54059	38.28725	37.60294	37.60224	37.94055	37.94061	37.51226	37.51228	37.18807	37.18806	37.18806	37.61384	37.61384	37.58099	37.58099	37.36096	37.36096	37.03479	37.03479	37.01912	37.01912	37.01211	37.01211	37.14634	37.14634	38.33052	38.33052	40.2419
[H.AT.SME.A.0.0.0.D1.ZZZZ.NT.AL.UN]	204	183	180	461	465	470	476	470	471	470	460	735	461	737	463	736	460	736	461	737	461	738	460	534	379	673	461	604	463	734	718
[H.AT.SME.A.0.0.0.D1.ZZZZ.NT.AL.WN]	117.4061	104.0013	103.8449	151.0205	160.6832	149.8069	149.6895	151.4858	162.2055	153.8135	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	250.2838566907
[H.AT.SME.A.0.0.0.D1.ZZZZ.SML.AL.WP]	34.02789	34.12569	34.12569	34.41364	34.02582	34.63027	34.63068	34.62166	34.6216	34.45553	34.45551	34.73909	34.7391	34.7391	34.6783	34.6783	34.67812	34.67812	34.99568	34.99568	35.08744	35.08744	35.16214	35.16214	35.24966	35.24966	35.14419	35.14419	34.25347	34.25347	33.4158
[H.AT.SME.A.0.0.0.D2.ZZZZ.B1.AL.WP]	-	-	-	-	-	-	-	-	-	-	13.31617	18.33348	18.51719	18.34682	17.91237	17.36199	17.0061	16.67047	18.08953	16.14955	16.42108	17.45017	17.1458	17.01954	16.11292	19.23511	18.15075	16.4097	17.54524	17.81347	17.8112
[H.AT.SME.A.0.0.0.D2.ZZZZ.B2.AL.WP]	-	-	-	-	-	-	-	-	-	-	86.68383	81.66652	81.48281	81.65318	82.08763	82.63801	82.9939	83.32953	81.91047	83.85045	83.57892	82.54983	82.8542	82.98046	83.88708	80.76489	81.84925	83.5903	82.45476	82.18653	82.1784
[H.AT.SME.A.0.0.0.D2.ZZZZ.B4.AL.WP]	-	-	-	-	-	-	-	-	-	-	12.56461	17.67125	18.23781	17.60212	17.39058	16.43595	16.3263	16.20375	18.08953	16.00653	16.42108	17.34591	17.1458	16.22571	15.7181	18.33205	17.32469	15.85235	17.33054	17.45749	17.5599

Showing results 1 - 10 / 288,525